PRODUCT PRESENTATION

Preparing for the UnforeseenBy David Suter

04 June 2016

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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AGENDA1. Welcome2. Zoltar Speaks3. Some Serious Cover4. Boosting or Boasting?5. Summary

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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ZOLTAR SPEAKS

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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CRITICAL VS. SERIOUS ILLNESS COVER Critical Cover

� Covers life-threatening conditions Serious Illness Cover

� Serious and life-threatening conditions

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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Tax-free lump sum if diagnosed with any of 170 conditions More conditions than any other insurer It doesn’t have to be critical

� Covers all heart attacks� Covers all strokes� Covers more types of cancers than other insurers

Pay out on severity of the condition� 2 ½ times more likely to receive a payout

SERIOUS ILLNESS COVER

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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SCOTTISH WHO?

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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Example:Steve takes out £200,000 of Serious Illness Cover. When he's 24, he loses his left foot to a Great White shark off the coast Fish Hoek, South Africa. Because the Serious Illness Cover pays out on the severity of the condition, Steve’s payout is 50% of the total cover and receives £100,000.

Steve’s Serious Illness Cover remains in force until such time as another claim is submitted.

SERIOUS ILLNESS COVER

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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SEROUS ILLNESS COVER BOOSTER Dependant on condition and age Boosts payout to beyond 100% of cover amount

Age at next birthday at time of claim

25 35 45 55 65

Total payout (as a percentage of your cover amount)

200% 175% 150% 125% 100%

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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Example:Steve takes out £200,000 of Serious Illness Cover, and adds Serious Illness Cover Booster to the plan. When he's 24, he loses his left foot to a Great White shark. Because of Steve’s age, cover is boosted to 200% of his cover amount. Instead of getting out £100,000, Steve get £200,000.

Steve’s Serious Illness Cover remains in force until such time as another claim is submitted.

SERIOUS ILLNESS COVER

VITALITY LIFE: SERIOUS ILLNESS COVER AND SERIOUS ILLNESS COVER BOOSTER

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SUMMARY1. Serious does not mean Critical2. Over 170 conditions covered3. 2½ times more likely to receive a pay-out with Vitality Life4. Boost Cover and receive more than 100% of your cover

Vitality /vʌɪˈtalɪti/(noun) the state of being strong and active; energy.