Gateway Insurance Marketing, Inc.

Serving Shelter Agents since 1996

Who is Gateway Insurance?

• Jeffrey R Stanley President Founder• 26 years experience, Career Agent, Home Office, Brokerage Managing General Agent

• Derek Stanley • Sales & Marketing Assistant, Licensed Agent

• Damien Stanley• Webmaster, Marketing Assistant

Stockton Office

Toll Free: 800-368-6711

Fax: 800-553-6440

Kansas City Office

Toll Free: 800-979-6711

Keys to doing business with GatewayWeb based: www.gatewaydbu.com

shelterdbu

Request your quotes here

MAJOR MEDICAL

Products for Tennessee Shelter Agents

GATEWAY’S ARKANSAS MAJOR MEDICAL PRODUCTS

$456.72 $312.14$283.54

Add Maternity$230.02

Based on a 35 yr old NS couple 2 children, $1500 deductible for AMS, BCBS & World $2100 Deductible for American Select

$322.10

$71.30 $53.65Built In N/ACovered 50% after a

separate $250 deductible per person

is satisfied

HSA Information

The concept of Health Savings Accounts combines an affordable qualified High Deductible Health Plan (HDHP) and a tax-favored health savings account (HSA). The combination results in savings through lower health care premiums and a reduction in taxable income. The HSA grows tax-deferred, and if you use your HSA funds for eligible medical expenses, you never have to pay taxes on those funds!

With HSAs, you control your health care decisions!

Tax-deductible – Contributions to your HSA are able to be deducted from your gross income.

Tax-deferred – HSA funds grow without being subject to taxes until they are used for non-eligible medical expenses.

Tax-free – The funds in an HSA are completely tax-free when used for eligible medical expenses.

Federal vs. State Tax Benefits Health Savings Accounts are made available through the federal government on a tax favored basis. To determine if your state also provides tax benefits for Health Savings Accounts, please visit our state page or contact your state tax resource

Arkansas does allow deduction for state income tax

Blue Cross applications should be faxed to Gateway Insurance Marketing800-553-6440, Alternate 707-371-2311)

Do not collect premium (Fax 1st then mail to Arkansas BCBS)Arkansas Blue Cross Blue Shield Attention Individual New Business

Box 2181Little Rock, AR 72203-2181

New Business Submission Guidelines

American Medical Security apps should be faxed to Gateway Insurance Marketing800-553-6440, Alternate 707-371-2311)

You must collect the 1st months premium (Fax 1st then mail to AMS)American Medical Security

Regional Sales Office6075 Poplar Ave., Ste 125

Memphis, TN 38119

Gateway wants to have your business processed as quickly as possible. We have made arrangements with DBU to have your business come directly to Gateway except BCBS & AMS (procedures below) you will mail your applications to Gateway, we will scan and send a copy to DBU and the originals on to the carriers.

LONGTERM CARE

GATEWAY’S ARKANSAS Longterm Care PRODUCTS

Genworth Financial

    Rating:   AM Best: A+

John Hancock Life Insurance Co.    Rating:   AM Best: ++       

S&P: AA+       Moody's Aa2

MetLife    Rating:   AM Best: A++

Mutual of Omaha    Rating:   AM Best: A

Physicians Mutual    Rating:   AM Best: A       Weiss A+

Unum Life Insurance Company of America

 Rating:   AM Best: A

   

State Life Insurance Company    Rating:   AM Best: A

Use the Search Function after inputting Agent & Client Data to design Plan and look at comparative costs

You will Get Pricing for all of

Gateway’s LTC

Carriers

Policy Age 40 Age 50 Age 60 Age 70 Age 80

$547.50

$1,078.65

$1,263.83

$1,004.45

$967.50

$850.40

$623.22

$805.59

$687.48

$577.50

$1,911.60 $5,009.00 UnumProvident Reimbursement Plan $356.40

UnumProvident Indemnity Plan $374.20 $574.90 $892.90 $2,007.20 $5,259.50

$1,935.00 $5,797.50 State Life CareGuard $502.50

Physicians Mutual Vista Choices $553.86 $682.38 $1,162.80 $2,729.52 $7,013.52

$2,633.22 Mutual of Omaha, Simplified LTC I $551.91

Mutual of Omaha, LTC I I Two Max $562.31 $699.64 $1,022.42 $2,680.60

$3,116.98 MetLife Value 2 $653.85

MetLife Ideal 2 $736.56 $910.99 $1,422.88 $3,452.04

$2,516.85 John Hancock Custom Care I I $503.37

Genworth Privileged Choice $888.00 $936.00 $1,416.00 $3,360.00

Genworth Classic Select $768.00 $792.00 $1,208.00 $2,872.00

$100 Per Day, 90 day elimination, Life Time Benefit Period

$100 Per Day, 90 day elimination, Life Time Benefit Period

Policy Age 40 Age 50 Age 60 Age 70 Age 80

Genworth Classic Select $1,576.00 $1,688.00 $2,376.00 $4,864.00

Genworth Privileged Choice $1,848.00 $1,968.00 $2,784.00

Physicians Mutual Vista Choices $1,733.58 $2,006.20 $2,860.49 $5,076.91 $10,520.28

State Life CareGuard $1,884.38 $1,588.13 $2,031.75 $3,250.80

Mutual of Omaha, LTC I I Two Max $1,372.04 $1,574.19 $2,187.98 $4,530.21

Mutual of Omaha, Simplified LTC I $1,346.66 $1,546.83 $2,149.52 $4,450.14

$8,696.25

MetLife Ideal 2 $1,873.02 $2,231.47 $3,092.21 $5,922.27

MetLife Value 2 $1,792.21 $2,135.46 $2,962.13 $5,688.31

UnumProvident Indemnity Plan

$5,688.00

John Hancock Custom Care I I $1,677.90 $1,941.57 $2,660.67 $4,386.51

$961.80 $1,269.70 $1,923.00 $3,961.00 $8,583.00

UnumProvident Reimbursement Plan $754.30 $995.80 $1,508.20 $3,106.60 $6,731.80

Age Simple Compound40 $100 $10043 $115 $11646 $130 $13449 $145 $15552 $160 $18055 $175 $20858 $190 $24061 $205 $27864 $220 $32265 $225 $33867 $235 $37370 $250 $43373 $265 $50276 $280 $58179 $295 $67382 $310 $77985 $325 $90288 $340 $1,04491 $355 $1,20994 $370 $1,39997 $385 $1,619

DISABILITY INCOME

Personal Disability Income (Policy form A-D100)NOTE: Product availability and features may vary by state. Personal Disability income is an individual guaranteed renewable disability policy with a traditional definition of disability. Ideal for individuals 25 to 50 years old employed in blue, gray, and white collar occupations (earning from $15,000 to $50,000 annually) — this policy is perfect for small business owners (under 100 employees), managers, and/or employees.

Product Highlights:

Issue Ages: 18-60, Age nearest birthday

Occupational Classes:

4A, 3A, 2A, 1A

Maximum Issue Limits:

4A: $7,000 3A: $6,000 2A: $5,000 1A: $4,000 (Higher limits available for classes 4A and 3A subject to reinsurance availability.)

Elimination Periods: 30, 60, 90, 180, and 365 days (all ages, all classes)

Classes 4A and 3A: 1, 2, 5-year and To Age 65

Class 2A: 1, 2, and 5-year, also To Age 65, if —

Self-employed, under age 56 and working in AND owns the same business for the last 2 years with annual net income of at least $40,000 for each of the last two years, OR —

W-2 Employee: under age 56; with annual gross income of at least $40,000

Benefit Periods:

Class 1A: 1, 2, and 5-year

Personal Disability Income

Renewability: Guaranteed Renewable to age 65

Features: Own Occupation definition of Total Disability (first 24 months) Partial Disability Benefit Non-tobacco rates for no use in last 12 months Presumptive Disability Benefit Waiver of Premium Benefit $1,000 Home Modification Benefit Rehabilitation Benefit Survivor Benefit

Optional Riders: Supplemental Disability Income Rider Automatic Benefit Increase Rider Return of Premium Rider Non-cancelable Rider Five-year Own Occupation Rider Catastrophic Disability Rider Residual Benefit Rider Guaranteed Insurability Rider Hospital Benefit Rider

Payment Modes: Annual, semi-annual, quarterly, monthly bank draft, and list bill

Business Overhead Expense Disability Income (Policy form A-D106) NOTE: Product availability and features may vary by state.

Business Overhead Expense is designed to cover business operating expenses if a business’ key person becomes disabled by an accident or illness. It's intended for operations with 10 employees or less showing a $10,000 minimum net profit for the past year. The coverage includes employee salaries, utilities, rent, and other expenses that are generally accepted as tax deductible.

Product Highlights:

Eligibility: Three years in business with net profit in last year of at least $10,000

Issue Ages: 18-60, Age nearest birthday

Benefit Periods: 12 months and 24 months

Elimination Periods: 30, 60, and 90 days

Occupational Classes:

4A, 3A, 2A

Maximum Issue Limits:

4A: $10,000 3A: $9,000 2A: $8,000

Renewability: Guaranteed Renewable to age 65

Features: Own Occupation definition of Total Disability Conversion Privilege Presumptive Disability Benefit Partial Disability Benefit Rehabilitation Benefit Survivor Benefit Waiver of Premium Benefit

Payment Modes: Annual, semi-annual, quarterly, monthly bank draft, and list bill

Critical Illness Insurance

Critical Illness Insurance

The coverage that pays you for

living

Critical Illness Insurance

Due to medical advancements• People live longer

–Average life expectancy at birth1

• 1900 - 47.3 years• 2001 - 77.2 years

1 National Center for Health Statistics, 2003

Critical Illness Insurance

Due to medical advancements• More critical illnesses are diagnosed in the

United States–More than 1.3 million new cancer cases are

expected to be diagnosed in 20041

–Every 26 seconds someone suffers a coronary event2

–Every 45 seconds someone suffers a stroke2

1 2004 Cancer Facts & Figures, American Cancer Society

2 2004 Heart and Stroke Statistical Update, American Heart Association

Critical Illness Insurance

Due to medical advancements• People survive more critical illnesses

–The 5-year relative survival rate for all cancers combined is 63%1

–The 1-year heart attack survival rate is 75%2

–The 1-year stroke survival rate is 78%2

1 2004 Cancer Facts & Figures, American Cancer Society

2 Heart Disease & Stroke Statistics - 2003 Update; American Heart Association

Critical Illness Insurance

Due to medical advancements• Survival has a price

–Costs like:• Loss of income• Out-of-network treatment• Experimental treatment• Transportation and lodging for family members and

loved ones during treatment• Child care, housekeeping and other domestic

assistance

Critical Illness Insurance

Who do you know who’s had:• …cancer• …a heart attack• …a stroke

Who planned to be on that list?

Critical Illness Insurance

Now think about what a difference a cash

payment of $10,000, $100,000 or more

would have made to each person when their

condition was diagnosed.

What difference would it make in your life?

Male Age 30 NS $50,000 Lump Sum

Female Age 30 NS $50,000 Lump Sum

Protective Life $32.64 $29.84 Assurity Life $34.76 $28.69 Mutual Omaha $43.75 $35.88 Guarantee Trust $32.59 $$32.59

Male Age 40 NS $50,000 Lump Sum

Female Age 40 NS $50,000 Lump Sum

Protective Life $49.04 $44.84 Assurity Life $51.57 $40.83 Mutual Omaha $62.25 $51.63 Guarantee Trust $52.08 $52.08

What Does Critical Illness Cost

Guarantee Trust Life product is a Lump Sum Cancer Plan with Heart Rider

Stockton: 800-368-6711 Fax 800-553-6440 Kansas City: 800-979-6711

F&G Life AVIVAPhysicians MutualProtective LifePresidential LifeAnnuity Products only available for those amounts over $250,000

Major Medical Long Term Care Medicare Supplement Group Products

American Community(IA,IL,IN,MO,NE)American Select(AR, CO, IL,IN, MS, MO,NE,TN)American Medical Security(AR,IL, IN, KS, KY, MO, NE, OK, TN)Blue Cross Blue Shield(AR, CO, IA, IL, IN, KY, LA, MO, NE, TN)Humana (KS, MS)UNICARE(IL, IN)World Insurance(AR, CO, IA, IL, IN, LA, MS, MO, NE, OK, TN)

GE Capital(All Shelter States)John Hancock(All Shelter States)MetLife(All Shelter States)Mutual Omaha(All Shelter States)Physicians Mutual(All Shelter States)State Life(All Shelter States)UNUM(All Shelter States)

Blue Cross Blue Shield(CO, IA, IL, IN, KY, LA, MO, NE, TN)

Mutual Omaha(All Shelter States)

Pacific Life(All Shelter States)

UNICARE(IL, IN)

Medicare Part D you must be certified to sell.

American Community(IA,IL,IN,MO,NE)American Medical Security(AR, CO, IL,IN, MS, MO,NE,TN)Blue Cross Blue Shield(CO, IA, IL, IN, KY, LA, MO, NE, TN)HUMANA(AR, CO, IA, IL, IN, KS, KY, LA, MO, MS, NE, TN)KANSAS CITY LIFEUNITED HEALTH CARE(All Shelter States)UNICARE(AR, IL, IN)UNUM(All Shelter States)Group products include, Health, Life, Disability, Dental, Long Term Care, Cancer, Critical Illness, Accident Only

Life Companies Critical Illness / Cancer Disability Income Annuity Companies

AssurityChesapeake LifeGuarantee TrustF&G LifePacific LifePeoples Benefit Presidential LifeProtective LifeUnited Home LifeUS FinancialWest Coast LifeLife products are only available for 2nd to Die Cases, age’s out of Shelter’s Issue range and cases that have been declined by Shelter

AssurityAll Shelter StatesMutual OmahaAll Shelter States

Protective LifeAR, CO, IL, IN, IA, KY, LA, NE, TN

GTL (Cancer)All Shelter States Except Indiana

Assurity(All Shelter States)

UNUM(All Shelter States)

Design Savers (Accident Only, All States)

Specialty Products

Stand Alone DentalStand Alone Prescription CardAccident