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The risk is real.Every 65 seconds, someone is diagnosed with Alzheimer’s.

QUESTION #1

If Nursing Home Care is needed for

YEARS ANNUAL COST LONG-TERM CARE COST

X =

If In-Home Care is needed for


X =

If Assisted Living Care is needed for


X =

If you got sick and needed Long-term Care, where would you want

to receive your care?

©Simplicity Group Holdings, Inc.952583-0919

2018 Cost of Care

NURSING HOME CARE IN-HOME CARE ASSISTED LIVING

LOCATION PRIVATE ROOM MEDIAN HOME HEALTH AIDE MEDIAN PRIVATE 1 BEDROOM MEDIAN

USA - NATIONAL $100,375 $50,336 $48,000

ALASKA $330,873 $61,776 $75,600

ALABAMA $79,935 $38,896 $39,252

ARKANSAS $71,832 $43,312 $36,443

ARIZONA $94,900 $53,196 $45,600

CALIFORNIA $117,804 $59,488 $54,000

COLORADO $107,996 $58,916 $48,000

CONNECTICUT $164,798 $52,624 $56,400

DISTRICT OF COLUMBIA $116,800 N/A $111,195

DELAWARE $131,400 $52,624 $64,200

FLORIDA $108,770 $46,904 $42,000

GEORGIA $81,213 $45,760 $37,200

HAWAII $163,885 $68,640 $66,000

IOWA $77,745 $57,200 $46,158

IDAHO $96,543 $45,760 $41,700

ILLINOIS $81,030 $51,480 $48,360

INDIANA $98,915 $50,336 $52,620

KANSAS $70,379 $48,048 $54,675

KENTUCKY $91,250 $46,904 $42,240

LOUISIANA $66,503 $36,608 $42,600

MASSACHUSETTS $153,300 $62,005 $65,940

MARYLAND $116,070 $50,908 $56,070

MAINE $121,180 $59,488 $59,400

MICHIGAN $109,500 $52,624 $46,200

MINNESOTA $122,260 $66,352 $48,000

MISSOURI $66,521 $48,048 $34,128

MISSISSIPPI $85,045 $38,896 $41,910

MONTANA $87,717 $54,912 $47,028

NORTH CAROLINA $92,528 $45,188 $44,318

NORTH DAKOTA $140,277 $61,776 $39,780

NEBRASKA $87,191 $54,912 $46,131

NEW HAMPSHIRE $133,225 $61,776 $56,100

NEW JERSERY $142,350 $54,912 $72,780

NEW MEXICO $91,433 $45,760 $51,000

NEVADA $111,143 $50,336 $42,000

NEW YORK $146,274 $57,200 $50,220

OHIO $94,900 $49,192 $51,336

OKLAHOMA $63,510 $49,718 $39,900

OREGON $119,720 $59,488 $55,110

PENNSYLVANIA $121,363 $51,777 $45,000

RHODE ISLAND $116,800 $61,776 $52,200

SOUTH CAROLINA $86,505 $45,760 $42,000

SOUTH DAKOTA $84,863 $57,200 $42,000

TENNESSEE $82,125 $45,188 $47,040

TEXAS $78,475 $45,760 $45,540

UTAH $91,250 $50,336 $40,200

VIRGINIA $102,200 $48,048 $53,415

VERMONT $118,808 $61,776 $54,000

WASHINGTON $116,618 $64,064 $61,620

WISCONSIN $112,146 $54,912 $51,600

WEST VIRGINIA $132,860 $38,896 $43,425

WYOMING $90,520 $57,200 $50,820

952583-0919

$

$

$$

$

$

$

TOTAL

Based on your TOTAL long-term care expenses of $_______, which asset would you liquidate first?

If I could show you a better way to use that money, is that something we should take a look at?

QUESTION #2

QUESTION #3

Stocks/Bonds

MutualFunds

AnnuitiesIRA

Cash Valueof Life

Insurance?

Checking/Banking


$

TAX-FREELONG-TERM CARE

THAT PAYS FOR:

1. Home Care2. Assisted Living3. Adult Day Care4. Nursing Home

Also, if you don’t use it, you don’t lose it.


It’s not your money that allowsyou to get this, it’s your health.

Name: Spouse, if married:Date of Birth: Spouse’s DOB:State:

1. Within the past two years have you been confinedto a nursing home, assisted living center, receivedor been advised to receive hospice care, beenadvised that you have a terminal illness or needassistance with: bathing, eating, dressing,toileting, transferring into and out of bed, chair, orwheelchair and/or maintain continence?

2. Are you currently hospitalized, bedridden or usemedical devices such as: wheelchair, walker, dialysismachine, oxygen equipment, respirator, stair lift, chairlift, motorized scooter or taking medications Aricept,Exelon, Reminyl or Namenda?

3. Have you ever been diagnosed by a member of themedical profession as having AIDS, HIV, or ARCdisorders, or tested positive for antibodies for theAIDS virus?

4. If under the age of 65, is there any reason you are notphysically and mentally capable of active employmentor are you currently receiving or have received withinthe past five years social security disability incomebenefits?

5. Have you ever been diagnosed, treated, testedpositive for, or been given professional medicaladvice for: Alzheimer’s disease, dementia, memoryloss, multiple sclerosis, muscular dystrophy, ALS(Lou Gehrig’s disease) Parkinson’s disease, downsyndrome, organ transplant (other than kidney) oractive cancer?

Pre-Screening Health Statement - Part A

Yes No Yes No

Yes No Yes No

Yes No Yes No

Yes No

Yes No

Yes No

Yes No

Client Spouse (if applicable)


In the past 5 years, is there a history of:

In the past 5 years, is there a history of:

Diabetes Leukemia Heart Disease Heart Attack Stroke Depression Congestive Heart Failure Cardiomyopathy Uncontrolled High Blood Pressure Amyotrophic Lateral Sclerosis (ALS) Cancer Organ Failure/Disease Chronic Obstructive Lung Disease (COLD) Chronic Obstructive Pulmonary Disease (COPD) Alcohol/Drug Abuse

IF ABOVE CHECKED PLEASE PROVIDE DETAILS ON NOTES PAGE

Diabetes Leukemia Heart Disease Heart Attack Stroke Depression Congestive Heart Failure Cardiomyopathy Uncontrolled High Blood Pressure Amyotrophic Lateral Sclerosis (ALS) Cancer Organ Failure/Disease Chronic Obstructive Lung Disease (COLD) Chronic Obstructive Pulmonary Disease (COPD) Alcohol/Drug Abuse

IF ABOVE CHECKED PLEASE PROVIDE DETAILS ON NOTES PAGE

Pre-Screening Health Statement - Part B

Client:

Spouse:

Other:

Other:

Height:

Height:

Weight:

Weight:

Client Dose Frequency Reason

Client Dose Frequency Reason

Monthly Income:

Do you rely on IRA Income for living expenses? Yes No

Type Client Income Spouse Income

Social Security

Gross Wages

Pensions

Other

TOTAL

©Simplicity Group Holdings, Inc.

952583-0919

Let’s talk about next steps.

IMPORTANT: No money will exchange hands at this meeting.

• Our goal is to see if any of the options make sense for you.

• If so, we’ll discuss the process for submitting your health information to

the insurance company.

SELECT

WE LOOK AT:

Over 2,000 Insurance Companies

200 Have an A- Rating or Better

100 Have Been in Business for 100+ Years

30 Have a LTCRider Available

3 Finalists

1

TIMEDATE

1. Schedule a follow up meeting.

2. Complete a thorough analysis of all the availableoptions based on the health information provided

3. Review our findings at our next meeting.


Consider transferring some of it today so that you will have peace of mind

and a larger amount of Long-term Care for _________________

$

$

Instead of liquidating all of your IRA to pay for Long-term Care in the future

Please see Insurance Company Illustration for details of Policy

Monthly LTC Benefit of $_____________

• Home Care

• Assisted Living

• Nursing Home

$________________________

$________________________

$________________________

Existing IRA

Amount Transferred

Balance of IRA

1. Schedule a follow up meeting.


952583-0919

952583-0919



Instead of liquidating all of your Annuity to pay for Long-term Care in the future



• Home Care

• Assisted Living

• Nursing Home

$________________________

$________________________

$________________________

Existing Annuity

Amount Transferred

Balance of Annuity

$

$©Simplicity Group Holdings, Inc.952583-0919



Instead of liquidating all of your Stocks to pay for Long-term Care in the future



• Home Care

• Assisted Living

• Nursing Home

$________________________

$________________________

$________________________

Existing Stocks

Amount Transferred

Balance of Stocks

$




Instead of liquidating all of your ______________ to pay for Long-term Care in the future



• Home Care

• Assisted Living

• Nursing Home

$________________________

$________________________

$________________________

Existing _______________

Amount Transferred

Balance of _____________

$


1. Get a copy of driver‘s license.

2. Complete the health questions.

3. Once approved, it’s time to transferthe money from your bank toyour insurance company.

STEPS TO IMPLEMENT


Best time to call

Best time:

Best time:

Phone #:

Phone #:

Client name:

Spouse name:

Best time to call?


NOTES



1 2018 Genworth Cost of Care Survey2 Georgetown University Long-Term Care Financing Project, “National Spending for Long-Term Care” 20073 Deficit Reduction Act of 2005; Public Law 109-171; Walters Kluwer ©2006, CCH, Inc.

I hereby acknowledge that made an opportunity available to me to purchase a long-term care insurance policy and I have declined to purchase such coverage. Furthermore, I have been made aware that:

► In 2018, the national private-pay cost for a private room (single occupant) in a nursing home isaveraging $275 per day (or $100,375 per year).For a semi private room, typically a room shared with another resident, the cost is averaging $245 perday (or $89,297 per year).1

► Medicare does not pay for long-term care, Medicare only covers skilled care for a limited time, and onlyafter hospital confinement. Medicare does not cover either custodial or intermediate care. Medicarepays 20% of the nation’s total nursing home bill.2

► Medicaid is intended as a safety net for the poor. In order to qualify for Medicaid, a person must“spend down” their assets according to theguidelines set forth in the Deficit Reduction Act of 2005.3

► Long-term care insurance is normally medically underwritten. Changes in my/our health may makecoverage more expensive or unavailableat a later time.

► Premiums for long-term care insurance also depend on age. Premiums will be higher as I/we get older.

Our agent has explained stand-alone long-term care insurance policies, Life insurance/Long-term care and Annuity/Long-term care alternatives. We have decided to:

Signed: Date:

Signed: Date:

Agent: Date:

LONG-TERM CARE INSURANCE DISCLOSURE

Proceed Not Proceed

for the following reasons:

952583-0919


1. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurancecompany.

2. Premium rates vary by a number of factors, including carrier, product, client health, age, and a numberof factors.

3. Simplicity does not provide tax or legal advice. You are encouraged to consult your tax advisor orattorney.

4. Not affiliated with the US government or a governmental agency. 5. Any transaction that involvesa recommendation to liquidate a securities product, including those within an IRA, 401(k) or otherretirement plan, for the purchase of an annuity or for other similar purposes, can be conducted onlyby individuals currently affiliated with a properly registered broker/dealer or registered investmentadviser. If your financial professional does not hold the appropriate registration, please consult withyour own broker/dealer representative or investment adviser representative for guidance on yoursecurities holdings.

5. Producers should follow the approval and advertising requirements of the carriers they represent andtheir broker/dealer and registered investment adviser, if applicable.

COMPANY DISCLOSURES

AN 952583-0919

ASSET-BASED LTC

952583-0919

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