The What and Why of Our Relationship with Risk Insurance and Reinsurance Solutions (RISK)

DI 1427 7-13 For Producer use only. Not for use with clients.

disclosures• In approved states, Disability Income insurance (forms 4501NC, 4502GR and 4503BOE) is issued

by Ameritas Life Insurance Corp. located at 5900 O Street, Lincoln, NE 68510. In New York, Disability Income insurance (forms 5501-NC, 5502-GR and 5503-BOE) is issued by Ameritas Life Insurance Corp. of New York located at 1350 Broadway, Suite 2201, New York, NY 10018. Policy and riders may vary and may not be available in all states.

• This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

• Risk Insurance and Reinsurance Solutions offers Disability Income Insurance issued by Fidelity Security Life Insurance Company. In New York, this Disability Income Insurance is issued by Presidential Life Insurance Company.

• Risk Insurance and Reinsurance Solutions, Fidelity Security Life Insurance Company and Presidential Life Insurance Company are not affiliates of Ameritas.

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of Ameritas Holding Company. © 2013 Ameritas Mutual Holding Company

DI 1427 7-13 For Producer use only. Not for use with clients.

who is RISK?

• Risk Insurance and Reinsurance Solutions is a leader in underwriting adverse and impaired risk disability plans for Fidelity Security Life and Presidential Life.

For Producer use only. Not for use with clients.DI 1427 7-13

For Producer use only. Not for use with clients.

who is RISK?

• Risk Insurance and Reinsurance Solutions is a leader in underwriting adverse and impaired risk disability plans for Fidelity Security Life (FSL) and Presidential Life.

• Acts as a Managing General Underwriter (MGU) for Fidelity Security Life and Presidential Life.

• RISK provides the following:

• Underwriting

• Customer billing

• Commission payment

• Distribution support

• Product development and administration

www.No n S t a n d a r d D I .com

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who is FSL?

For Producer use only. Not for use with clients.

• Fidelity Security Life Insurance Company was founded in 1969 and is based in Kansas City, Missouri.

• A- “Excellent” Rating from A.M. Best

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who is FSL?

For Producer use only. Not for use with clients.

• Fidelity Security Life Insurance Company was founded in 1969 and is based in Kansas City, Missouri.

• A- “Excellent” Rating from A.M. Best

• Focused on niche markets:

• IMPAIRED DISABILITY / SUBSTANDARD DISABILITY CASES

• Annuities and mutual funds for groups and individuals

• AD&D, three-way accident, and travel accident insurance products.

• Specialty benefit coverage products, such as retail prescription drug, vision care (indemnity), dental (indemnity), hearing, and Lasik.

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who is Presidential Life Insurance?

For Producer use only. Not for use with clients.

(for New York State)

• FOUNDED: 1965

• ASSETS: $3.65 Billion (statutory) $3.89 Billion (GAAP)

• PARENT: Presidential Life is a wholly-owned subsidiary of Presidential Life Corporation, a publicly-owned holding company.

• A.M. BEST RATING: B++ (Good) as of June 8, 2011

• CAPITAL & SURPLUS TO LIABILITIES: 13.35%

• CAPITAL & SURPLUS: 430.3 Million (Includes AVR and IMR)

• INVESTMENT GRADE BONDS: 95.39%

• STATES: Admitted to all states and the District of Columbia.

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why did we create this relationship?

For Producer use only. Not for use with clients.

• To ensure you have an outlet for your declined cases

• To provide you a service that provides true value to your clients and prospects

• To ensure the process (even for declined cases) is seamless and effortless to you

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how does it work?

For Producer use only. Not for use with clients.DI 1427 7-13

how does it work?

For Producer use only. Not for use with clients.

• In case of a decline by Ameritas, the DI underwriter, assuming the RISK/FSL/Presidential Life authorization was signed, will provide RISK the medical underwriting files to allow RISK to make an offer to your customer

• If an offer is provided, it will be emailed to you within two business days, along with the illustration, pre-completed application with available information, contracting materials, etc.

• Email will provide a point of contact for any questions or follow up

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how will it work?

For Producer use only. Not for use with clients.

Underwriter declines a

case

Notifies agent

Simultaneously assuming has the authorization,

sends email to RISK with medical

files for review

RISK sends agent

an offer

Have your customer

sign the authorization upfront w

ith

the initial A

meritas application!

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what does it provide your clients?

• The opportunity to have an option when they have been declined for coverage

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what does it provide your clients?

• The opportunity to have an option when they have been declined for coverage

• Peace of mind for having a portion of their income protected despite chronic medical conditions/pre-existing medical impairments

• A quality, Guaranteed Renewable policy given their medical history, with up to $15,000 per month in benefits ($10,000 per month in New York via Presidential Life)

For Producer use only. Not for use with clients.DI 1427 7-13

what does it provide you?

• You converted a declined case into commissions!

For Producer use only. Not for use with clients.DI 1427 7-13

plan highlights (Platinum eZ-Select)

• Guaranteed Renewable To Age 65

• Issue ages of 18-60

• Male/Female/Tobacco/Non Tobacco – No occupational classes

• Maximum Benefit $15,000

• Elimination Periods of 30, 60, 90, 120, 180 and 365 days

• Benefit Durations of 1, 2, 3 and 5 years

• Own Occupation for the entire benefit duration

• Partial Benefit of 50% of monthly benefit, payable for up to 6 months

• Disabilities Due to Sickness (no grading for disabilities due to injuries)

• 1st Policy Year 40%

• 2nd Policy Year 75%

• Thereafter 100%

For Producer use only. Not for use with clients.DI 1427 7-13

plan highlights (New York – Income Guard)

For Producer use only. Not for use with clients.

• Guaranteed Renewable To Age 65

• Issue ages of 18-60

• Male/Female/Tobacco/Non Tobacco – No occupational classes

• Maximum Benefit $10,000

• Benefit Durations of 2 or 5 years

• Elimination Periods of 60, 90, (180 for 5-year plans)

• Own Occupation for 2 years

• Partial Benefit of 50% of monthly benefit, payable for up to 6 months

• Disabilities Due to Sickness

• 1st Policy Year 35%

• 2nd Policy Year 75%

• Thereafter 100%

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examples of considered medical conditions

For Producer use only. Not for use with clients.

• Heart/Cardiovascular, Fibrillations

• Aneurysms• Alcohol/Drug• Back and Spine• Height/Weight• Cancer• Cerebral Vascular• Coronary Artery• Crohn’s• Rheumatoid Arthritis• Diabetes• Kidney

• Epilepsy• Eye Disorders• Fibromyalgia• Hepatitis• Liver Issues• Cancer• Lupus• Mental/Nervous Disorders• Anxiety, Depression, Bi-Polar,

Schizophrenia• Ulcerative Colitis

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what will the offer look like?

For Producer use only. Not for use with clients.

You will get an email like this from RISK after a decline

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attachments will include…

For Producer use only. Not for use with clients.

A brochure introducing RISK/FSL /Presidential Life and eZ-DI! impaired risk plans*

*Presidential’s Income Guard in NY

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attachments will include…

For Producer use only. Not for use with clients.

Product Information

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attachments will include…

For Producer use only. Not for use with clients.

A SHORT/EASY TO FILL Application

Remember! EASY TO SELL… 1) Short Application2) No blood tests or medical exams (up to $13K Benefit)3) High acceptance rates!

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attachments will include…

For Producer use only. Not for use with clients.

Two Quotes at different Benefit amounts

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remember to have customer sign second authorization

For Producer use only. Not for use with clients.

Second Authorization

Have your customer

sign this 2nd authorization upfront with

the initial application

(Download it from Producer Workbench)

WHY

Allows Ameritas to release medical information to RISK.KEY TO ACCELERATE PROCESS IF DECLINED!!!

WHEN

If you know of medical historyIf you are somewhat unsure of outcome Customer has:

• medical impairments• excess coverage• occupational risks• other risk, etc

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remember to have customer sign second authorization

For Producer use only. Not for use with clients.

Second Authorization

Have your customer

sign this 2nd authorization upfront with

the initial application

(Download it from Producer Workbench)

Leave -behind

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the declined DI program with RISK

For Producer use only. Not for use with clients.

A better way to serve your customers with difficult cases/medical

impairments

AMERITAS in Partnership with RISK

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key contacts

• Your agency or brokerage manager

• Your Ameritas® sales development team

• Your GSI regional director

• The DI product management team

DI 1427 7-13 For Producer use only. Not for use with clients.