Money Back Guarantee LTC Insurance HR Specialty Products & Services Catalogue Executive SummaryA No Frills Distillation of Vendors Marketing Collateral

Thomas A FerencePresident & CEOHuman Resources Mining & Distribution CoLocating, Validating and Accelerating HR Innovation Office: 219-662-0201Cell: 630-240-2583Fax: 219-661-0236e-mail: tference@hrmdco.comWebsite: www.hrmdco.com

Money Back Guarantee LTC Insurance -A major deterrent to purchasing LTC coverage is the use it or lose it factor-Under this insurance program, purchaser pays either 5 annual premiums or a lump sum premium -Plan pays for 100% of long-term care expenses until a gross gross policy maximum amount is reached -Provides an income tax-free death benefit if insured does not need all or part of LTC coverage amount-Money back guarantee: Can withdraw 100% of unused original premium paid at any time, at will-Premiums do not earn interest for return of premium purposes

Money Back Guarantee LTC ExampleNancy

Healthy 65-year-old nonsmoker

-Been advised to set aside $300,000 of $1 million portfolio for LTC expenses

-Instead moves $100,000 into a single premium policy

-Frees up $200,000

Will get up to $6,934 per month, $83,208 every year and $499,221, (5 X premium) over six years to reimburse qualified LTC costs, or

Beneficiaries will receive $166,407 income tax-free death benefit if no LTC, or At any time, can request return of all (unused) premiums-no questions asked

Combinations of partial payments for LTC, and /or partial death benefits and/or partial cash return are all permitted

Next StepsThis product/service is contained in the HR Specialty Products & Services Catalogue Operational level details about this particular service provider can be obtained in conference with the vendorThe HR Mining &Distribution Co. is an independent and contracted representative of the vendorUpon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo Tom Ference 219-662-0201 (Chicagoland area) or tference@hrmdco.com Thank you for your potential interest in this fresh thinking