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L I F E S E C U R E NEWSwww.YourLifeSecure.com

VOLUME 4 • ISSUE 3 • SEPTEMBER 2010

LifeSecure now offers a new solution, Hospital Recovery Insurance, which pays a cash benefit to assist in the recovery phase following a hospital stay.

Hospital Recovery Insurance is a unique and different product, which can help offset deductibles, co-pays and other out-of-pocket expenses associated with post-hospitalization. Benefits could also be used for rehabilitative services or even housekeeping help. The plan is simple – individuals choose a Daily Benefit Amount, and that’s it! No confusing riders or options, just a straightforward insurance plan that will pay a cash benefit directly to the policyholder based on the number of days spent in the hospital.

Why Sell Hospital Recovery Insurance?

Health Agents:A logical complement to a health plan, especially HDHPs•Not restricted by new Health Care Reform requirements•New commissions-based earnings potential (not restricted by •Health Care Reform’s new Medical Loss Ratios restraints)More flexible benefit trigger than most Critical Illness or Short-term •Recovery products

LTC Agents:

Affordable gap filler for LTC elimination periods•New commissions-based earnings potential•Alternative product option for clients denying the need for LTCi•

INTRODUCING HOSPITAL RECOVERY INSURANCEShorter hospital stays mean longer recovery times at home, with more services and related costs not covered by health insurance.

To learn more about our new Hospital Recovery insurance plan visit www.YourLifeSecure.com.

LifeSecure’s 2010 Your Choice Rewards Program

DOUBLE YOUR REWARDS FOR HOSPITAL RECOVERY, now through 12/31/10Starting now, LifeSecure will double your reward earnings to TWO Reward Points for every $1.00 of Hospital Recovery issued premium (through December 31, 2010). Have you wanted tickets to your favorite sporting event, a new flat screen TV, or a tropical vacation? With LifeSecure’s Your Choice Rewards Program, the choice is yours! The more you earn, the more you can enjoy. So stop dreaming, start selling and reward yourself!

Note: You will still earn one Reward Point for each dollar of Long Term Care Insurance Premium. For example, $1,000 of Long Term Care issued premium equates to 1,000 Reward Points; $1,000 of Hospital Recovery issued premium equates to 2,000 Reward Points through end of year.

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Take the “Fast Lane” to LTCi Sales with LifeSecureSelling LTCi is no easy task. With most carriers it can take 2-3 three months to get a policy issued, close the sale and receive your commissions. But at LifeSecure, things are different! Just ask Keith Eisberg of LTC Financial Partners: “I recently com-pleted a training program that required me to place a certain number of policies within eight months of my graduation from the LTC Financial Partners Institute. Thanks to LifeSecure, I met my goal and received a post-graduate bonus, due in large part to their computerized application process and quick un-derwriting times.”

Keith is new to LTCi sales, but has quickly learned the best way to ask questions and help his clients. Even when request-ing medical records (APS), he discovered that LifeSecure’s turn-around time for delivering policies is significantly faster than most other carriers. “I had a client who was denied cov-erage from another carrier. LifeSecure’s underwriter obtained medical records in a short period of time, spoke directly with my client about her health issues, and determined that she

was eligible for coverage – a $1 million policy in fact, which was issued in under three weeks.”, says Keith. “LifeSecure’s ‘fast lane’ approach to on-line application and underwriting has put money in my pocket in a very short period of time. They listen to me, keep me informed and help me serve my clients.”, adds Keith.

“Unbelievable!” That’s the word Honey Leveen of Your LTC Insurance Specialist, LLC used to describe LifeSecure. Like Keith, Honey is new to LifeSecure, but not to LTCi business. She has serviced clients for many years through other carriers. When Honey submitted her first application, she had this to say: “I was totally floored when my applicant’s application was approved the same day, and no paper to process! My client’s policy arrived by mail 4 days later.”

So, if you’re looking to increase your LTCi sales and move into the fast lane, why not take LifeSecure for a test drive? We think you’ll find LifeSecure’s unique approach to LTCi sales to be both different and rewarding – just like Keith and Honey did!

Leading LTCi Producers Endorse LifeSecureMike Ashley and Christine Khemis, leading producers with LTC Financial Partners LLC, recently met with LifeSecure’s Board of Directors to share their insights on LifeSecure’s position in the LTCi industry. During an interview session lead by Doug Hamm, LifeSecure’s VP of Sales, Mike and Christine answered questions about the marketplace and LifeSecure’s key selling features. Here are a few shared quotes from the session:

What is the advantage for agents to use LifeSecure over other carriers – is it the ease of doing business because of the technology, or is it the product itself?

It’s both! With regards to technology, LifeSecure is certainly ahead of the curve and in the right place at the right time, based on the marketplace. LifeSecure is bringing the LTCi industry into the digital age with new approach and innovation solutions. For smart financial planners who understand the solid benefits of an LTCi policy and the risk mitigation it gives their clients, LifeSecure offers a simple and affordable solution. With on-line tools and a streamlined application process, LifeSecure makes it easy to do business with. With other carriers, the typical wait time for policy approval is eight weeks. With LifeSecure, approvals can take less than two weeks – providing a faster revenue stream. Plus, LifeSecure premiums are very competitive.

Who’s buying long term care insurance?

As the population ages, more and more families are part of the “sandwich generation”, meaning children are taking care of parents and elderly relatives while working and raising their own children. This generation of baby boomers is feeling both the financial impact and emotional stress of caregiving, making more boomers think about long term care planning for themselves! A technology solution like LifeSecure also attracts younger buyers who are more internet-savvy and comfortable using on-line solutions. The biggest obstacle with long term care has always been denial – “I won’t need it”. But more and more Americans and financial planners are recognizing the need to mitigate risk and transfer the responsibility of LTC to someone else.

What percentage of cases use home care vs. nursing home care?

When we think of long term care, we think nursing home. Surprisingly, 80% of all claims paid today are for assisted living and home care. Only 20% of claims are for nursing home care. Policyholders need more flexibility on how money is used when on claim. That is exactly what makes LifeSecure’s Flexible Benefit feature so important and valuable to a policyholder. It allows them the freedom to stay at home and receive services as well as benefits to help pay for care.

AGENT TESTIMONIALS

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Introducing Marles WymanRegional Sales Consultant for North Central RegionLifeSecure welcomes Marles Wyman to the sales team as the Regional Sales Consultant (RSC) for the North Central Region. Marles Wyman is a valuable resource to her agents, providing high quality, value-added sales experience and service. She comes to LifeSecure with over nine years of experience in the insurance and financial services industry. Marles started as a career agent with a fraternal insurance company, and later transitioned to agent support. She has a strong LTC knowledge-base and has served as moderator for The American College’s Essentials of Long Term Care Insurance course.

Marles earned her bachelor’s degree in Accounting and Finance from Chadron State College in Nebraska. She holds a Life Underwriter Training Council Fellow (LUTCF) advisor designation and is an active member of the National Association of Insurance and Financial Advisors (NAIFA) and a graduate of Leadership in Life Institute (LILI). Marles’ office is based in Arvada, CO.

LTCI Can Be Wise Buy for Midsize Employers by Lisa Wendt, LifeSecure President and CEO

Do you know mid-size employers who should be offering long term care insurance to their employees, but they may not understand the concept or the options available in providing this benefit? Lisa Wendt, President and CEO of LifeSecure, recently wrote an article for Benefits & Compensation Digest to discuss the importance of researching and designing a plan that’s right for employees in this market. We encourage you to read this article and share it with your group business clients.

And the Award Goes To…LifeSecure received a Silver Award in the 27th Annual Healthcare Advertising competition sponsored by Healthcare Marketing Report. The award was given for our LifeSecure OM “One-for-Many” multi-life print ad (see right).

This year’s competition drew over 4,000 entries from leading HMOs, PPOs and other Health Insurance entities. LifeSecure was one of 123 ads submitted in the magazine advertising category.

“I’m proud of this accomplishment”, said Brian Vestergaard, VP of Marketing. “We competed against big name companies who use professional ad agencies for their creative design. We develop all our marketing and advertising in-house, and we felt honored to be recog-nized nationally in this competition.”.

™One-for-Many LTC

LifeSecure

Long term care insurance underwritten byLifeSecure Insurance Company – Brighton, MI

For Agent Use Only. Not for Solicitation.LS-0464 ST 02/10

To learn more about OM or how to become appointed with LifeSecure, please contact Agent Support today at 810.220.8770.www.YourLifeSecure.com

One plan. Designed to address the unique choices of Many individuals.

LifeSecure’s new OM™

multi-life LTC program provides simplified issue underwriting to 3 or more employees, custom web portals with on-line applications and e-signatures, an employer contribution discount of 5%*, and no reduction in commissions!* Discount not available in Florida.

On-line Employer Proposal Tool – Now Allows Couples DiscountGood News! The Multi-life Employer Proposal now gives you the ability to identify which individuals on your census may be eligible for a married or couples discount (10% or 30%). This new functionality allows you to provide more ac-curate employer quotes, especially in executive carve-out and core/buy-up situations. Visit www.YourLifeSecure.com and login to your Agent Portal, then select the “Multi-life Pro-posal Tool” from the “Multi-life LTC (OM) Tools” menu.

Time is Running Out!Last Chance to Qualify for 2010 Rewards ProgramThe year is coming to an end but there is still time to qualify for LifeSecure’s Your Choice Rewards Program. You only need 10,000 points to begin redeeming rewards! Points can be earned on long term care and hospital recovery applications submitted between January 1 and December 31, 2010 with a qualifying policy issued/placed by January 31, 2011. The more points you earn, the more you can be rewarded.

Login to www.YourLifeSecureRewards.com to check your account balance.

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FOR AGENT USE ONLY— NOT FOR SOLICITATION PURPOSES

Agent Training WebinarsEvery Tuesday: 11:00AM to 12:00PM (ET) LifeSecure brings training right to your computer with our informative weekly webinars. Watch your email for invitations from your Regional Sales Consultant and be sure to enroll for the webinars of your choice! Once registered, you will receive a confirmation email including call-in information and a link for the webinar.

Questions? Call the LifeSecure Agent Support care line at 866.582.7701 or email agentsupport@lifesecureltc.com.

October 5, 2010Topic: New Agent Orientation

October 6, 2010Topic: Hospital Recovery Product

Overview

October 12, 2010Topic: “OM” Multi-life Overview

October 19, 2010Topic: Choosing An LTC Carrier:

Why LifeSecure is right for you!

October 26, 2010Topic: Hospital Recovery Product

Overview

November 2, 2010Topic: New Agent Orientation

November 9, 2010Topic: Hospital Recovery Product

Overview

November 16, 2010Topic: The “Flexible Benefit” and

Other LifeSecure Differentiators

November 23, 2010Topic: Review of the Agent and

Policyholder Portals

November 30, 2010Topic: “OM” Multi-life Overview

December 7, 2010Topic: New Agent Orientation

December 14, 2010Topic: LTC Product Overview

December 21, 2010Topic: Hospital Recovery Product

Overview

December 28, 2010Topic: 2011 Rewards Program

Overview and Why LifeSecure is right for you!

LifeSecure’s Newly Enhanced and Wholly Redesigned WebsiteWe’ve made it easier for you and your clients to navigate through LifeSecure’s website and find useful tools and information… right at your fingertips! The website has been updated with a fresh look and several new enhancements, such as: top menu navigation, additional education and information, a new Budget-Point PricingSM Quote Calculator tool for Hospital Recovery Insurance, plus access to the Hospital Recovery Insurance electronic application.

The log-in menu to access your Agent Portal now appears in the upper right corner of screen.

The same great access you have come to rely on 24 hours a day is still available to you, but with an improved look and greater functionality. Visit us today at www.YourLifeSecure.com.