GlobeHopper Senior (GHS)

GlobeHopperSM SeniorIf you have any questions please be sure to contact your Account Executive or our IMG Sales Service Center at 1-866-368-3724.

Thank you for attending our Webinar today.

Presented by:

Cy WitherspoonInternet Marketing Managercy.witherspoon@imglobal.com

Thank you for taking time out of your busy day to learn more about IMGs latest product, the GlobeHopper Senior. Im sure by the end of this brief 20 Minute presentation you will be as just as EXCITED as we are to share GlobeHopper Senior with YOUR Medicare clientele. However I would encourage you to reach out to your Account Executive or our phenomenal Sales Support staff should you have any more questions which cannot be answered at this time. 1

There are now more Americansage 65 and olderthan at any other time in U.S. history according to the U.S Census Study conducted in 2010.40.3 million people age 65 and older on April 1, 2010Population by age group65 742 1.7 million53.9%75 8513.1 million 32.4%85 945.1 million12.6%95+425,000 1.1%15.1% increase from 2000 to 2010

Market Potential Seniors

Per the latest U.S. Census study performed in 2010 there are now OFFICIALLY MORE than 40 MILLION people age 65 and older. Which is a 15.1% Increase from 2000-2010. 2

Baby Boomers - Born between 1946 and 1964Approximately 10,000 Baby Boomers will turn 65 today,10,000 more will cross that threshold every day for the next 19 years.Currently, just 13% of Americans are ages 65 and older. Market Potential Baby Boomers

For those of you who may not know. A Baby Boomer was born between the years of 1946 and 1964.

Since there is an estimated 40 Million plus that are already age 65+, and just today we added an additional 10,000 celebrating their 65th Birthday.In fact, it is predicted that we will be adding 10,000 more each day for the next 19 YEARS!To paint a comparison there are ONLY 13% of Americans that are 65 and older now. So imagine what that percentage will be in 19 years?3

Market Potential Living Longer

Average life expectancy for a 65-year-old American is 17.7 years for a male Average life expectancy for a 65-year-old American 20.3 years for a female. That represents three to fourmore years of life expectancycompared to what the prior generation had at the same age. If you are now 75, you can expect to live another 11 years if you're a man and another 13 years if you're a woman.

Source: 12 Baby Boomer Retirement Trends; US News and World Report: http://money.usnews.com/money/blogs/on-retirement/2014/07/22/12-baby-boomer-retirement-trends

Consider this as well These current generations of retirees are living longer lives than EVER before. On average a 65 Year Old Male will live an additional 17.7 yearsA 65 Year Old Female will live an additional 20.3 yearsAs of NOW a 75 Year old person can expect to live another 11 years if youre a man and another 13 years if youre a woman!Bottom line is that people are living longer and healthier lives than ever before. Guess what that means. 4

Travel Characteristics Baby Boomers/SeniorsSpend $157 billion on trips every year and many polls rank travel as the No. 1 leisure activity.Consider travel a necessity, not a luxuryAverage 2 - 3 trips per year2/3 or almost 61% say they plan to increase their travelSuzanne Gerber, Editor for Living & Learning Channel

Since people are living longer lives guess what they are doing with this time provided they are healthy enough?Spend $157 Billion dollars spent on what is the #1 leisure activityOn average they are taking 2-3 trips per year 2/3rds say they plan to increase their travel.

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The Need Does insurance travel with your client?

The first question you and your insureds should ask if you havent already is

Does Medicare cover you outside of the United States? Lets put that myth to bed by sourcing the Medicare.gov website! Read the first sentence! In most situations, Medicare wont pay for healthcare or supplies that you get outside the United States!

Also, most if not all Medicare Supplements that offer care internationally, limit it to $50,0006

The Need Does insurance travel your client? Non-covered services average cost:

Medical Evacuation - $10,000 to $100,000+

Political Evacuation - $1,000 to $10,000

Repatriation - $6,000 to $50,000

Return of Mortal Remains - $1,000 to $5,000+

MASA - Medical Air Services Association

What we do know is that Medicare, Medicare Advantage or Medicare Supplements do not include coverage for these services:Medical EvacuationPolitical EvacuationRepatriationReturn of Mortal Remains

Can your Senior travelers afford these expenses?

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Senior Travel Market Current Challenges

No plan designed specifically for the senior traveler

Maximum amounts limited for most international travel plansAges 70-79$50,000 - $100,000Ages 80+$10,000 - $20,000No options of both a single trip or multi-trip plan

Whats out there currently for the average senior traveler?No plan designed specifically for the Senior TravelerThe general plans out there are will cover a 70-79 year old $50-$100K However if you are 80 or older you max coverage is $10-$20KNo options if you are taking a single or multiple trips

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Solution: GlobeHopperSM Senior

Plan designed specifically for Seniors age 65+

Hospital, Medical and Rx Benefits

24/7 International Emergency Assistance including Evacuation Benefits, Return of Mortal Remains & Emergency Reunion Benefits

2 Plan OptionsSingle-TripMulti-trip

UNTIL NOW!Welcome to GlobeHopper Senior! The first plan of its kind specifically designed for Seniors age 65 years of age or olderIncluded with this policy are:Hospital, Medical and RX Benefits24/7 365 International Emergency Assistance iEvacuation Benefits Return of Mortal Remains Emergency Reunion BenefitsThere are 2 Plan options:Single TripMulti-Trip

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Eligibility GuidelinesU.S. Citizen or Permanent Resident of the U.S.Age 65+Must be enrolled in Medicare Parts A & BMust have Medicare Supplement program or Medicare Advantage Plan

You must meet certain criteria to qualify for this policy type.U.S Citizen or Permanent Resident of the U.S.Age 65+ Must be enrolled in Medicare Parts A & BMust have Medicare Supplement program or Medicare Advantage Plan

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Schedule of Benefits

Im not going to cover all of the benefits line by line since its all covered in the brochure, however I would like to point out that the:Single Trip covers from a minimum of 5 days all the way up to 365 days and the Multi-Trip covers as many trips per year up to a 30 day period at a time per each trip. There are four different Max Limit options for the Single Trip and one for the Multi-Trip if the insured is between the age of 65-79For ages 80+ the max limit is $100K for both the Single Trip and Multi-TripYou have a choice of deductibles on the single trip plan and there is no co-insurance on either plan

The Inpatient/Outpatient Benefits are for the most part URC.

There are Evacuation Benefits as well which are separate from the Max Limit and must be approved in advance and coordinated by the company. Its important to note that they are not subject to the deductable.

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Schedule of Benefits continued

In addition some of the additional benefits include:TerrorismAccidental Death and DismembermentTrip InterruptionHospital IndemnityEmergency Room with and without inpatient admissionDental Emergency whether from an Accident or Unexpected Pain to Natural Teeth

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Enrollment Options

Paper ApplicationOnline

International Insurance Plans Page

As with a majority of our policies, you or your client has the ability to either perform a paper application. Or purchase online from your website. By utilizing your International Insurance Plans Page. The GHS is located in the Individual policies section just below the Patriot Multi-Trip and above the GROUP section. If you dont have your Insurance Plans page link you can reach out to your Account Executive.

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Premium Rates

The rates shown are the daily and monthly rates based on a $250 deductible.

Please note there is an additional $285 premium for the Evacuation Plus Rider14

Example Single Trip 7 Day Cruise

AgeOption 1$50,000Option2$100,000Option 3$500,000Option 4$1,000,00065 - 69$38.15$39.55$44.10$50.0570 - 79$50.05$52.50$58.80$67.5580+$87.50$92.40

Here is an example of the premium for a 7 day cruise.15

Example Single Trip 30 Day Tour of Europe

AgeOption 1$50,000Option2$100,000Option 3$500,000Option 4$1,000,00065 - 69$163.50$169.50$189.00$214.5070 - 79$214.50$225.00$252.00$289.5080+$375.00$396.00

Here is an example of 16

For Questions or to begin sellingGlobeHopperSM Senior,

Contact your IMG Account Executiveor the IMG Sales Service Centerat1-866-368-3724.THANK YOU

Once again should you have any questions I would encourage you to reach out to your Account Executive or our phenomenal Sales Support staff. The contact information is listed on the screen.

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