Not Contracted Yet? Call us today to boost YOUR sales! 800-842-7799marketing@goldencareusa.com | www.goldencareagent.com

Why GoldenCare?

• Perfect Portfolio of Products• Superior, Personal Backend Support• Product and Sales Training• LTC CEO Selling Tools Software• GoldenCare Rewards Program• CSG Actuarial Comparison Tools• StrateCision Comparison Tools• Discounted E&O Coverage• Exciting Promotions On Various Products• CareOptions Health and Wellness Hub• Agent Review Consumer Lead Program

WELCOME!Thank you for joining us!

Please dial in to 866-299-7945, with PIN 8754# when prompted.

CareShield from Minnesota Life

CareShield™:A New Solution for Chronic Illness Coverage

• About Minnesota Life

• CareShield Product Overview

• Competitive Differences

• How to Get Started

Agenda

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A.M. Best Company rating (second highest of 16 ratings); Fitch rating (third highest of 19 ratings); Moody’s rating (fourth highest of 21 ratings); Standard & Poor’s rating (fifth highest of 21 ratings).

For more information about the rating agencies and to see where our ratings rank compared to other ratings, please see our website at securian.com/ratings.

Ratings for financial strength and claims-paying ability are important; however they are not reflective of the performance of any registered securities or variable subaccounts. All ratings information as

of June 2016. Securian Financial Group, Inc., is a part of an insurance company holding group. These ratings are assigned to the following Securian Financial Group member companies: Minnesota

Life Insurance Company and Securian Life Insurance Company.

An indicator of financial strength

The value of top ratings

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Annual Premiums

Rates Guaranteed to Never Increase

Benefits Guaranteed – no “use it or lose it”

Only One Decision! – How much do you want?

• Face Amounts $50,000 - $500,000

• Chronic Illness paid at 4% of Face Amount (25 Months)

• CASH Benefit! – Paid regardless of whether care is provided

• Terminal Illness - Full Face Amount Less $10K paid in lump sum. ($10K held back is paid at death)

– Death Benefit – Face Amount less anything already paid out

Built-in Return of Premium Feature

– 50% at 15 yrs, 75% at 20 yrs and 100% at 25 yrs

Highlights

No LTC Continuing Education (CE) or licensing requirements

CareShield

Traditional LTCi Landscape

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Challenges• Increasing rates – pay more for less

• Rate increases on old blocks

• “Use it or Lose it” product

• Too many choices, riders

• CE Requirements

• Underwriting

Results• Fewer companies

• Fewer agents

• Eroding consumer confidence

• Less Sales

• Emergence and growth of alternative products

Combination Life/Annuity and LTCi

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Market Characteristics• Sales increasing (in some circles, not in others)

• Life sale first, then “oh by the way”

• Asset transfer, single pay

Challenges• Too complicated!

• Chronic Illness Rider definitions (101g v 7702b)

• Permanent disability, claim-time benefit calculation

based on life expectancy

Results• Very limited acceptance by LTC oriented agents

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CareShield

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How it works

6 If the 4% accelerated benefit exceeds the IRS per diem limits, the policyholder would be required to take the lesser of the two. 2016 IRS limits: $10,200/month or $124,100/

year. Based on $340/day for 30-day month and 365-day year. Limits are subject to change.7 Only available at given premium refund anniversaries extending 60 days beyond each premium refund anniversary. The premium refund may not equal the sum of premiums

paid. Currently, the premium refund cannot exceed 85% of the policy face amount. Insurance coverage terminates if the premium refund is exercised.

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What makes CareShield different?

• Continuous pay vs. single pay/limited pay options

• Guaranteed premiums for life – with a built-in ROP option1

• Chronic Illness Benefits provided regardless of whether

care is provided (Indemnity Benefit, 100% Cash)

• Condition does not have to be “permanent” in order to be

eligible for chronic illness benefits.2

• No back-end adjustment based on life expectancy at claim-

time like other plans

• No LTC Continuing Education (CE) or licensing

requirement

1Only available at given premium refund anniversaries extending 60 days beyond each premium refund anniversary. The premium refund may not equal the sum of

premiums paid. Currently, the premium refund cannot exceed 85% of the policy face amount. Insurance coverage terminates if the premium refund is exercised.2 Confinement due to medical condition is required to be permanent in Connecticut.

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CareShield may be for your client if they:

• Are concerned about potential premium increases for

standalone LTC

• Want to know they will get a benefit “no matter what”

• Want a simple product that is easy to understand

• Want an option to get their money back if their needs

change

• Are looking for a continuous pay solution for future care

needs

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Our Job is to find this out…and make

the appropriate product

recommendation.

HOW?

Show both…and let your client tell

you who they are.

Is Your Client Risk Averse or Risk Tolerant?

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Which Plan Works Best?

Risk Averse versus Risk TolerantAssume Both pay $5,000 per month, $125,000 Total

Our Job is to find out who they are…and make the appropriate

product recommendation.

CareShield

Cash is THE Most Important Difference-Maker

• Completely Flexible

• Always Relevant

• Never Obsolete

CareShield

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CareShield

• $125,000 Face Amount

• $5,000 Monthly Benefit

CareShield versus Traditional LTCi

Leading LTCi Carrier

• $125,000 Max Benefit

• $5,000 Monthly Benefit

• 3% Compound InflationAnnual Premium - $2,787 Annual Premium - $2,508

59 Year Old Female – pref, non-tobacco

Potential Concerns

• Rates will probably go up

• Use it or lose it

• No ROP Incl. ($3331)

• “Only” 40% Cash Benefit

Potential Concerns

• No Inflation

• *$3,331 Premium

• *$149,379/$5,975

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CareShield

• $200,000 Face Amount

• $8,000 Monthly Benefit

CareShield versus Traditional LTCi

Leading LTCi Carrier

• $200,000 Max Benefit

• $8,000 Monthly Benefit

• 3% Compound InflationAnnual Premium - $3,096 Annual Premium - $3,246

51 Year Old Female – pref, non-tobacco

Potential Concerns

• Rates will probably go up

• Use it or lose it

• No ROP Incl. ($4107)

• “Only” 40% Cash Benefit

Potential Concerns

• No Inflation

• *$4,107 Premium

• *$255,451/$10,618

CareShieldApproved States (As of 04/01/2017)

Gold = Approved States

Gray = Pending States

Black = Non-Filed States63465 DOFU 09-2016

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How to get started

• Register for website access

• Go to the CareShield product page

– Marketing material/apps

– Quote/illustration

– Electronic Application

Marketing materials available

Client Materials

• Consumer Brochure

• Consumer PPT

Advisor Materials

• Financial Professional Guide

• Product Highlights

• Applications

• Marketing Flyer

• Just the Facts

• PPT

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How to register

https://advisor.securian.com/sites/avs/idg

21

How to register

https://advisor.securian.com/sites/avs/idg

www.securian.com

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How to register

23

How to register

24

How to register

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Register

Main Page

Main Page

Applications & Forms Page

Applications & Forms Page

Applications & Forms Page

Main Page

CareShield Illustration Page

CareShield Illustration Page

CareShield Illustration Page

CareShield “Presentation” Page

CareShield “Presentation”

CareShield “Presentation”

CareShield e-App

Main Page

Click “Products” Tab

CareShield Main Page (top)

CareShield Main Page (bottom)

CareShield Main Page (bottom)

CareShield Main Page (bottom)

CareShield Main Page (bottom)

Understanding “Two” Waiver of Premiums

CareShield Main Page (bottom)

CareShield Main Page (bottom)

Get from

illustration or home

page “Quick Link”

instead

CareShield Main Page (bottom)

CareShield e-App

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Mobile App – Available NOW!CareShield

Not Contracted Yet? Call us today to boost YOUR sales! 800-842-7799marketing@goldencareusa.com | www.goldencareagent.com

Why GoldenCare?

• Perfect Portfolio of Products• Superior, Personal Backend Support• Product and Sales Training• LTC CEO Selling Tools Software• GoldenCare Rewards Program• CSG Actuarial Comparison Tools• StrateCision Comparison Tools• Discounted E&O Coverage• Exciting Promotions On Various Products• CareOptions Health and Wellness Hub• Agent Review Consumer Lead Program

CareShield from Minnesota Life

Thank you forjoining us today!

For attending, we will send the CE Voucher, copy of these presentation slides, and more!

Watch your inbox for our email!

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For Contracting and Questions

Call 1-800-842-7799

Or email us at marketing@goldencareusa.com

www.goldencareagent.com

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