An Affordable Approach toCovering the High Cost of

Nursing Home Care

Policy Form B 9305

Short-Term Care®

®

Senior Security Series®

Providing up to 360 days of nursing home benefits

per confinement

The Strength of Experience

B 9305 STC SB2013 (4-15)

Consider the benefi ts* of a Short-Term Care Policy from Bankers Fidelity Life…Covers all Levels of Care

Your Short-Term Care policy provides coverage for any level of care including custodial care.

No Prior Hospitalization Required You may enter the nursing facility directly from your home; there is no pre-hospitalization requirement.

Flexible Benefi ts Tailored to Your Needs and Budget Select from daily benefits of $20* to $300. Choose from benefit periods of 180 days or 360 days, with a 20**-day elimination period applied to either option.

Full Restoration of Benefi tsFollowing confinement in a nursing home, and after you have been confine-ment-free for six consecutive months, 100% of any benefits paid are restored*. Your lifetime maximum benefit is two times the benefit period selected. Example: the 360 day benefit period provides a maximum lifetime benefit of 720 days.

Full Benefi ts Paid for Alzheimer’s DiseaseCognitive impairments, including Alzheimer’s Disease, senile dementia and Parkinson’s Disease, are covered the same as any other illness.

Broad Defi nition of CoverageShort-Term Care benefits are paid when you are unable to perform any two of five Activities of Daily Living (ADLs):

and your nursing home stay is medically necessary as determined by your physician.

Guaranteed Renewable for LifeYour policy can never be cancelled by the Company as long as yourpremiums* are paid on time, either in advance or during the grace period.

*Benefi ts are subject to limitations and exclusions. Premiums subject to change. Refer to Outline of Cover-age for complete details.

If you understand the need for long-term care insurance but find the premi-ums too expensive, a Short-Term Care Policy© (form B 9305) from Bankers Fidelity Life™ may be for you. By providing up to 360 days of nursing home benefits per confinement, Short-Term Care will cover the majority of all nursing home stays at a price that is much more affordable than long-term care insurance.

In addition, Short-Term Care coverage helps provide a degree ofprotection from the depletion of your assets should you require a brief stay in a nursing facility. And a Short-Term Care Policy allows you time to make critical financial arrangements if long-term nursing home care becomes necessary.

Facts About Nursing Home Care*

Why should you consider Short-Term Care protection?Short-Term Care protection?Short-Term Care

As a national average, the cost per year in a nursing home in 2011 in the U.S. was:

• Private Room—$239 per day / $87,235 per year

• Semi-Private Room– $214 per day / $78,210 per year

Source: Results of study Mature MarketInstitute 2011; Oct/2011

According to the offi cial US Government Site for People with Medicare (HHS.gov)

• Medicare will pay some nursing home costs under certain limited conditions.

• Services must be from a Medicare certifi ed skilled nursing home after a qualifying hospital stay of at least 3 days.

• Medicare generally doesn’t pay for long-term care.

• Medicare doesn’t pay for help with activities of daily living or other care that most people can do them-selves.

In 2013 you would pay the following on a Medicare approved nursing stay:

• Nothing for the fi rst 20 days• Up to $148 per day for days 21-100

• All charges after 100 days

Source: www.medicare.gov

*$30 minimum in Georgia. **30 days in Tennessee.

*Not available in DE. Limited availability in NM and PA - only available on 180 day benefi t period

• Dressing • Toileting • Transferring • Continence • Eating

B 9305 STC SB2013 (1-13)

Example of the Average Cost of Nursing Home Care in a Semi-Private Room for 360 days:

Average Length of Nursing Home Stay: 411 Days

Solution: With a Bankers Fidelity® Short-Term Care Policy® Short-Term Care Policy®

$220 per day / 360 day benefi t

That’s a Difference of:

Length of stay in nursing homes varies widely and can be measured in a variety of ways. The average length of stay for a patient under the age of 85 was 411 days.¹67% of people discharged from nursing homes stayed for three months or less.²

MedicareApproved*

YOU PAY:

$0YOU PAY:

$67,480*YOU PAY:

$67,480

NotMedicareApproved

YOU PAY:

$4,280YOU PAY:

$72,760YOU PAY:

$77,040

MedicareApproved

YOU PAY:

$0YOU PAY:

$0YOU PAY:

$0

NotMedicareApproved

YOU PAY:

$4,280YOU PAY:

$0YOU PAY:

$4,280

MedicareApproved $67,480

At age 65, a Non-Tobacco male with a $220 per day / 360-day benefi t would have to pay premiums of $76.56††

monthly for at least 73 years before the insurance coverage would cost this much!

NotMedicareApproved

$77,040At age 65, a Non-Tobacco male with a $220 per day /

360-day benefi t would have to pay premiums of $76.56†† monthly for at least 83 years before the insurance

coverage would cost this much!

0-20 days 21-360 days Total

0-20 days† 21-360 days Total

² Source: AARP, Nursing Home Fact Sheet, February, 2001

¹Source: 2004 National Nursing Home Survey prepared by Division of Health Care Statistics, Long-Term Care Statistics Branch; June 2008

†30-day elimination period in TN.

* Medicare covers skilled care in a skilled nursing facility (SNF) if you have Medicare Part A (Hospital Insurance), a qualifying hospital stay of three consecutive days or more and your doctor has decided that you need daily skilled care.

The SNF providing these services must be certifi ed by Medicare and the stay must be fora medical condition that was treated during a qualifying three-day hospital stay.

With Bankers Fidelity’s Short-Term Care, if your stay is less than one year and Medicare approved, you pay $0.

††Rates for GA shown; rates vary by state. Rates subject to change on a class basis.

(at $214 per day) * 21-100 days at $148 per day = $11,840 + 101-360 days at $214 per day = $55,640   = $67,480

B 9305 STC SB2013 (1-13)

End of Policy Year

Base Policy

With 5% Simple Infl ation

1 2 3 4 5 6 7 8 9 10 15 20

250

200

150

100

50

0

Daily

Ben

efi t

PROPOSAL A PROPOSAL BBenefi t Period: 180 Days Benefi t Period: 360 DaysLifetime Maximum: 360 Days† Lifetime Maximum: 720 Days†

Elimination Period: 20 Days (30 in TN) Elimination Period: 20 Days (30 in TN)Infl ation Benefi t: ❐ None Infl ation Benefi t: ❐ None

❐ 5% Simple Interest* ❐ 5% Simple Interest*Daily Benefi t: ❐ $20** ❐ $30 ❐ $40 Daily Benefi t: ❐ $20** ❐ $30 ❐ $40

❐ $50 ❐ $60 ❐ $70 ❐ $50 ❐ $60 ❐ $70❐ $80 ❐ $90 ❐ $100 ❐ $80 ❐ $90 ❐ $100❐ $110 ❐ $120 ❐ $130 ❐ $110 ❐ $120 ❐ $130❐ $140 ❐ $150 ❐ $160 ❐ $140 ❐ $150 ❐ $160❐ $170 ❐ $180 ❐ $190 ❐ $170 ❐ $180 ❐ $190❐ $200 ❐ $300 ❐ $200 ❐ $300

Premium CalculationAnnual Premium per $10 unit: ................... = $ _____________× Number of Units ______ ................. = $ _____________= Total Annual Premium: ............................ = $ _____________× Modal Factor _______ ..................... = $ _____________+ One-time Policy Fee ............................... $ _____________= Total Initial Premium ............................... $ _____________

Premium CalculationAnnual Premium per $10 unit: ................... = $ _____________× Number of Units ______ ................. = $ _____________= Total Annual Premium: ............................ = $ _____________× Modal Factor _______ ..................... = $ _____________+ One-time Policy Fee ............................... $ _____________= Total Initial Premium ............................... $ _____________

*Simple Interest Infl ation Rider not available in DE or OH.

*Simple Interest Infl ation Rider not available in DE or OH.**$30 minimum benefi t in GA.

†Restoration of benefi ts not included in DE; In NM and PA, restoration is only included on 180 day benefi t plan.

Design a plan to meet your needs and budget

Valuable protection against future infl ationOptional 5% simple interest Inflation Protection Benefit Rider (B9305 R1 (R06-05))* provides increasingbenefits to help protect against rising nursing home costs. Daily Benefit increases annually for 20 years.

Infl ation Benefi t Illustration(Beginning Benefi t = $100 per day)

B 9305 STC SB2013 (4-15)