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CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONCOMPARISON CHARTSClick on number to jump to desired information.QUICK LOOK:Life insurance with an optional ChronicIllness, Long‐Term Care, and/or TerminalIllness RiderQUICK LOOK:Hybrid life productsDETAILED LOOK:Life insurance with BAR vs. Life insurancewith optional Chronic Illness and/orTerminal Illness Rider – Part 1Prudential, Lincoln National, John Hancock, Genworth,Pacific Life, Penn MutualDETAILED LOOK:Life insurance with BAR vs. Life insurancewith optional Chronic Illness and/orTerminal Illness Rider – Part 2Prudential, Protective, Transamerica, AmericanGeneral, AXA, Minnesota LifeDETAILED LOOK:Life insurance with BAR vs. Life insurancewith optional Chronic Illness and/orTerminal Illness Rider – Part 3Prudential, MetLife, Principal, Voya, SymetraDETAILED LOOK:Life insurance with BAR vs. Hybrid LifeProducts(Products that offer both life insurance and Long‐Term Care benefits)BenefitAccess Rider vs. Other Chronic Illness and/or Terminal Illness RidersMany prominent carriers offer products that provide death benefit and chronic illness care protection. Whichproduct or carrier is appropriate for your client depends on a variety of factors. Use the accompanying charts to helpyou evaluate the differences and similarities between these products.BENEFITACCESS RIDER (BAR) HIGHLIGHTSPays for the Condition, Not the Care – 80% of people who are chronically ill stay in their private home.* WithBenefitAccess, there is no requirement to receive professional care in order to be eligible for benefits. Clients have theflexibility to use their funds the way they’d like. Even if they want to stay home and be cared for by a loved one.No Elimination or Waiting Period – With BenefitAccess, clients can begin receiving benefit payments as soon as theirclaim is approved, without having to fulfill a waiting or elimination period. Terms and conditions apply.Double Duty Dollars – Life insurance with BenefitAccess offers clients multiple benefits in one policy—100% of thepolicy’s death benefit will be paid out, either as a living benefit or as a death benefit.Prepare Now, Plan Later – A person who is healthy today does not know what type of care they’ll specifically want orneed for a chronic illness event which might occur many years in the future. Clients have full flexibility to use BARproceeds in a way that best suits their needs during a chronic illness. There is no specific list of covered services forbenefit eligibility. BenefitAccess provides clients with the flexibility to make those critical decisions later, when itmatters most.Lifetime Benefit Can Grow** – The total amount available for acceleration with BenefitAccess can grow as the policy’sdeath benefit grows: If the policy hits corridor on a policy with Option A Death Benefit; If the policy’s contract fund grows on a policy with Option B Death Benefit; or If a policy has Option C Death Benefit, the BAR Benefit will equal the basic insurance amount plus premiums.Competitive Cost – BenefitAccess can be a cost-effective way for clients to have added protection against a chronic orterminal illness event when they purchase permanent life insurance. The cost of the rider is generally 10 – 15% of thelife insurance premium (depending on age, gender, and underwriting class).* Hagen S, et al. Rising demand for longterm services and supports for elderly people. Congressional Budget Office. June 26,2013, p.13.** The maximum monthly amount is subject to IRS limits. Availability of death benefit options varies by product type.NOT FOR CONSUMER USE.0251912-00007-00 Ed. 06/2016 Exp. 12/30/2016

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLife insurance with an optional Chronic Illness, Long-Term Care, and/or Terminal Illness riderPrudentialRider NameProduct TypeNo WaitingPeriodPays for FamilyCare1/No ProfessionalCare RequiredFull DB Availablefor AccelerationPermanentLapse Protection2No Restrictionson Benefit UseAvailable withOption BDeath BenefitNo HealthLicense Requiredto Sell RiderBenefitAccess RiderIndemnity 3 Nationwide4Long-Term Care (LTC) RiderIndemnityJohn Hancock4Long-Term Care (LTC) RiderReimbursementExtendCare RiderIndemnity Chronic Illness Accelerated DeathBenefit RiderIndemnity Penn MutualChronic Illness AcceleratedBenefit RiderIndemnity Pacific LifePremier Living Benefits RiderIndemnity Lincoln NationalLifeEnhance Accelerated Benefits RiderIndemnity GenworthAccelerated Benefit Rider for Long-TermCare ServicesReimbursement Long-Term Care Services RiderIndemnity Long-Term Care RiderIndemnity Accelerated Access Solution ChronicIllness Accelerated Death Benefit RiderIndemnity Long-Term Care AgreementIndemnity Enhanced Care BenefitIndemnity Long Term Care Acceleration of DeathBenefit RiderIndemnity PrincipalChronic Illness Death BenefitAdvance RiderIndemnityVoyaChronic Illness Death BenefitAdvance RiderIndemnityChronic Illness RiderIndemnity Chronic Illness Plus RiderIndemnity Protective4AXATransamericaAmerican GeneralMinnesota LifeMetLifeSymetra F amily Care means that the insured does not need to receive professional, qualified LTC services to be eligible for benefits, and there are no restrictions if a family member is the caregiver. With Prudential, while on chronic illness claim, the policy is protected from lapse, through waiver of policy and rider charges. If the chronic illness claim continues for 25 months, the policy is permanently protected from lapse, even if the client latercomes off claim. If the client comes off claim within 25 months of initially going on claim they may need to make additional premium payments to keep the policy from lapsing.3 A home health care service agency with a valid certificate of approval must be the primary caregiver monitoring care on a regular basis. However, excess benefits may be used to pay a family member to provide supplemental care.4 Terminal illness benefits available through another rider the carrier has available.12For complete information about the specifics of the products included here, please refer to the tables on the pages that follow.1

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONHYBRID LIFE PRODUCTS (products that offer both Life Insurance and Long-Term Care Benefits)Lincoln National4Genworth4, 5Pacific Life 5Nationwide5Product NameProduct TypeNo WaitingPeriodMoneyGuard IIReimbursement Total Living CoverageReimbursementPremierCare AdvantageReimbursementYourLife CareMattersIndemnityPays for Family Care/NoProfessional Care RequiredFull DB Availablefor AccelerationPermanent LapseProtectionNo Restrictionson Benefit UseAvailable with Option BNo Health LicenseDeath BenefitRequired to Sell Rider 3 Genworth and Pacific Life only offer single-premium products; therefore, policies are not subject to potential lapse.For complete information about the specifics of the products included here, please refer to the tables on the pages that follow.2

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 1PrudentialNationwideLincoln NationalJohn HancockGenworthPacific LifePenn MutualRider NameBenefitAccess RiderLong-Term Care RiderLifeEnhance AcceleratedBenefits RiderLong-Term Care (LTC) RiderLong-Term Care RiderPremier Living BenefitsRiderChronic Illness AcceleratedBenefit RiderTax Qualified StatusIRC 101(g)7702B(b)—LTC; 101((g)(5))—Accelerated DeathBenefitIRC 101(g)IRC 7702B(b)IRC 7702B(b)IRC 101(g)IRC 101(g)Rider TypeChronic/terminal illnessriderLong-term care riderChronic/terminal illnessriderLong-term care riderLong-term care riderChronic illness riderChronic illness riderProduct AvailabilityPruLife Founders Plus, VULProtector, PruLife UniversalProtector, PruLife CustomPremier II, PruLife IndexAdvantage ULYourLife Indexed UL, YourLifeNo-Lapse Guarantee UL,YourLife Current AssumptionUL, YourLife Single PremiumUL, YourLife AccumulationVUL, YourLife ProtectionVUL, YourLife Indexed ULProtector, YourLife IndexedUL AccumulatorLifeGuarantee UL 2013,LifeReserve IndexedUL Accumulator 2014,VULone-2014Accumulation UL 09,Accumulation IUL 14,Accumulation VUL 14,Protection VUL 12, ProtectionUL 13, Protection IUL 13,UL-G 13, Premier LifeAsset Builder Index UL,Foundation Builder Index ULPacific Indexed Accumulator4, Pacific Indexed PerformerLT, Pacific Prime VUL, PacificSelect VUL, Versa-Flex NLGUL, Versa-Flex PRO II UL,Pacific Prime NLG UL, PacificPrime IULAccumulation Builder IIIndexed UL, GuaranteedProtection UL, FlexibleChoice WL, DiversifiedGrowth VUL, SurvivorshipPlus Indexed UL; can beadded to qualifying in-forcepoliciesAccident and HealthLicense RequirementNOYESNOYESYESNONOEligibilityCertified by licensed healthcare practitioner that theinsured is unable to perform2 out of 6 Activities of DailyLiving (ADL) or requiressubstantial supervision andprotection from threats tohealth and safety due to asevere cognitive impairment,and that the condition isexpected to last the rest ofthe insured’s life.Certified by a licensed healthcare practitioner as beingunable to perform, withoutsubstantial assistancefrom another individual,at least two Activities ofDaily Living for a period ofat least 90 days due to aloss of functional capacity;or requiring substantialsupervision for protectionfrom threats to healthand safety due to severecognitive impairment.Written certification bya licensed health carepractitioner within thepreceding 12 months that theinsured is chronically ill andunable to perform (withoutsubstantial assistancefrom another individual) atleast 2 Activities of DailyLiving (ADLs) for a periodof at least 90 days due to aloss of functional capacity.ADLs include: bathing,continence, dressing, eating,toileting, and transferringOR requiring substantialsupervision from anotherindividual to protect theinsured from threats tohealth and safety due tosevere cognitive impairmentAND according tocertification from a licensedhealth care practitioner,services are likely to beneeded for the rest of theinsured’s life.Written certification froma licensed health carepractitioner that the lifeinsured is chronically illas defined in the rider(the life insured must beunable to perform 2 of the6 ADLs without substantialassistance or is found tohave a severe cognitiveimpairment that threatenstheir health or safety.The six ADLs are bathing,eating, continence, toileting,dressing, and transferring)and is receiving qualifiedlong-term care servicesunder a current plan ofcare. Further documentationincludes written proof of lossfor the life of the insured.The insured must (1) becertified as chronicallyill by a licensed healthcare practitioner and beunable to perform, withoutsubstantial assistancefrom another individual, atleast two Activities of DailyLiving because of the lossof functional capacity for aperiod of at least 90 daysor (2) require substantialsupervision for protectionfrom threats to health andsafety because of severecognitive impairment. Thelong-term care servicesmust be provided pursuantto a plan of care describedin the rider. The services,which are defined inthe rider, are necessarydiagnostic, preventive,therapeutic, curing, treating,mitigating, rehabilitative,and maintenance or personalcare services.Written proof by a licensedhealth care practitionerthat the insured has beencertified as chronically illand is unable to performwithout substantialassistance from anotherindividual at least twoActivities of Daily Livingdue to a loss of functionalcapacity or must requiresubstantial supervision toprotect the individual fromthreats to health and safetydue to severe cognitiveimpairment and that thecondition(s) is expected tobe permanent.Access to this benefit issubject to a waiting periodthat in most states is twoyears. After that time,a licensed health carepractitioner must certifythat the policyholder isunable to perform two ofthe six Activities of DailyLiving or suffered from asevere cognitive impairmentfor at least 90 consecutivedays within the previous 12months. Activities of DailyLiving include: bathing,continence, dressing, eating,toileting, and transferring.Continued on the next page.3

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 1 (continued)PrudentialNationwideLincoln NationalJohn HancockGenworthPacific LifePenn MutualIssue Ages20 – 8020 – 8020 – 8020 – 7518 – 6518 – 75 (Varies by product)20 – 85Benefit PaymentOptionsMonthly indemnity, annuallump sum, or one-time lumpsumMonthly indemnityMonthly indemnity, or onetime lump sumEither 1%, 2%, or 4%in Monthly AccelerationPercentage (MAP) of thetotal benefit pool (from 1%to 100% of the face amount)Monthly reimbursementavailable in 2-, 3-, or 4-yearcoverage periodsMonthly indemnity or annuallump sumIndemnityThe lesser of either 2% ofthe original benefit amountor the IRS per diem limittimes the number of days inthe month 50,000 25,000Up to 2% of the eligibledeath benefit (24% ifannually) of the policy atthe time of initial claim upto 125% of IRS per diemlimit. Entire death benefitmay be accelerated up to thelifetime maximum of 1.5millionLeast of 2% of the deathbenefit at the time of theelection, 20,000, or IRSper diem 5 million (Ages 20 – 69)Varies by MonthlyAcceleration Percentage(MAP): 1 million 1.5 millionLesser of 24% of specifiedamount at issue or 240,000with a lifetime maximum of 5 millionBenefit payments will onlycover qualifying longterm care costs actuallyincurred including homeand community care,assisted living facilities,nursing home facility,home modifications andequipment, adult day care,cost of caregiver training,hospice care and facility,respite care to relievequalified caregivers.No limitations on benefituse, once benefit eligibilityrequirements are metNo limitations on benefituse, once benefit eligibilityrequirements are met(One-time for terminalillness only)Maximum MonthlyBenefitMaximum monthly benefitis 2% of the death benefit,not to exceed: 1) IRS limitat time of claim; 2) IRS perdiem limit at policy issue,compounded at 4% annuallyLesser of 2% of the specifiedamount or IRS per diem limitMaximum Total Benefit 5 millionEqual to the policy’sspecified amount(applies on an aggregatebasis per insured individual,at the time of application) 2 million (Ages 70 – 80) 5 million for 1% MAP,(Available in systematicmonthly, quarterly, semiannual, or annual periodicpayments) 2.5 million for 2% MAP, 1.25 million for 4% MAPRestrictions on Use ofBenefitNo restrictions on benefituse, once benefit eligibilityrequirements are metNo limitations on benefituse, once benefit eligibilityrequirements are metNo limitations on benefituse, once benefit eligibilityrequirements are metBenefit payments will onlycover qualifying long-termcare costs actually incurredincluding home health care,assisted living facility, adultday care center, nursinghome, hospice center, andbed hold benefit for up to 21days per policy year, up toselected monthly benefit.Continued on the next page.4

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 1 (continued)PrudentialElimination PeriodNONENationwide90 daysLincoln NationalNONE(Need not be consecutive,but must be within acontinuous period of 730days)John HancockGenworth100 days90 days(Need not be consecutive)(Need not be consecutive)Pacific LifeNONEPenn Mutual90 daysElimination period(consecutive) and 2 yearswaiting period from the timethe policy is issued with therider or the time the rider isadded to the policy beforea claim can be made (butvaries by state)Residual DeathBenefitNONE10% of policy specifiedamountNONENONENONEAny death benefit remainingwhen policyowner elects lessthan 100% of accelerationfor claim 50,000 after maximumacceleration of death benefitRider ChargeMonthly deductionsMonthly deductionsMonthly deductionsMonthly deductionsMonthly deductionsNONENONE(Treated as non-taxabledistributions that reducecost basis)(adds approximately 6%increase to base producttarget)(Treated as non-taxabledistributions that reducecost basis)(Treated as non-taxabledistributions that reducecost basis) which may besubject to change afterthe first 5 policy years;Guaranteed Monthly RiskRates for this rider cannotexceed 50% of the CurrentMonthly Risk RatesYes, annuallyYes, annuallyNONOYes, annuallyYes, annually(subject to discount factors)RecertificationRequiredYes, annuallyClaim Impact onDeath BenefitDollar-for-dollar reductionDollar-for-dollar reductionProportional reductionDollar-for-dollar reductionProportional reductionGreater than dollar-for-dollarreduction; reduced withdiscount factorGreater than dollar-for-dollarreduction; reduced withdiscount factorClaim Impact onPolicy ValuesProportional reductionDollar-for-dollar reductionProportional reductionProportional reductionProportional reductionProportional reductionProportional reductionRecertification only asnecessary (at Company’sexpense)Continued on the next page.5

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 1 (continued)PrudentialInternational BenefitsProvides Benefits inthe Event of TerminalIllnessNationwideYESYES(The insured must meet theterms and conditions of therider including certificationand recertification in theU.S. every 12 months by aU.S. licensed health carepractitioner in accordancewith IRS guidelines)(Upon meeting qualifyingconditions, the insuredcan receive LTC benefitsoutside of the U.S. as longas the physician assessmentand care service arecommensurate with what isexpected of a U.S. claim)YESTerminal illness benefitsavailable through a separaterider(Provides for benefit if theinsured becomes terminallyill and has a life expectancyof 6* months or less)Lincoln NationalNONEJohn HancockNONEGenworthYESPacific LifePenn MutualNONENONETerminal illness benefitsavailable through a separateriderTerminal illness benefitsavailable through a separaterider(Pays for covered LTC costsfor up to: 4 years if insuredtravels abroad or residesoutside of the U.S., 50%of the accelerated monthlymaximum benefit for outof-country nursing facilitycare, 25% of the acceleratedmonthly maximum benefitfor home and communitycare services abroad forno more than 365 servicedays. No benefit will be paidafter 4 years from the firstclaim. Assisted living facilitycoverage and privileged carecoordination services are notavailable outside the U.S.)YES(Provides for benefit if theinsured becomes terminallyill and has a life expectancyof 12 months or less)Terminal illness benefitsavailable through a separateriderTerminal illness benefitsavailable through a separaterider* CA: 12 months6

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 2PrudentialProtectiveTransamericaAmerican GeneralAXAMinnesota LifeRider NameBenefitAccess RiderChronic IllnessAccelerated Death BenefitRiderExtendCare RiderLong-Term Care RiderAccelerated Access SolutionChronic Illness AcceleratedDeath Benefit RiderLong-Term Care ServicesRiderLong-Term Care AgreementTax Qualified StatusIRC 101(g)IRC 101(g)IRC 101(g)IRC 7702B(b)IRC 101(g)7702B(b)—LTC; 101((g)(5))—Accelerated Death BenefitIRC 7702B(b)Rider TypeChronic/terminal illnessriderChronic illness riderChronic illness riderLong-term care riderChronic illness riderLong-term care riderLong-term care riderProduct AvailabilityPruLife Founders Plus,VUL Protector, PruLifeUniversal Protector,PruLife Custom Premier II,PruLife Index AdvantageULProClassic ULIndexed Choice UL,Advantage Choice UL,Custom Choice ULTransNavigator IUL,Transamerica Journey VULAG Secure Lifetime GUL II,Elite Index II, AG PlatinumChoice VUL, Value IULAthena UL, BrightLife GrowIndexed UL, BrightLife ProtectIndexed UL, Incentive LifeOptimizer II VUL, Incentive LifeLegacy II VULEclipse Indexed Life, EclipseProtector Indexed Life,Accumulator VUL, AccumulatorULAccident and HealthLicense RequirementNONONOYESNOYESYESEligibilityCertified by licensedhealth care practitionerthat the insured isunable to perform 2 outof 6 Activities of DailyLiving (ADL) or requiressubstantial supervisionand protection fromthreats to health andsafety due to a severecognitive impairment,and that the condition isexpected to last the restof the insured’s life.Must be certified by alicensed health carepractitioner within thepast 12 months that theinsured is chronically ill,defined as either unableto perform at least twoActivities of Daily Livingwithout assistance for atleast 90 days, or requiringsubstantial supervision forprotection from health andsafety threats due to severecognitive impairment.Must be certified by alicensed health carepractitioner within thepast 12 months that theinsured is chronically ill,defined as either unableto perform at least twoActivities of Daily Livingwithout assistance for atleast 90 days, or requiringsubstantial supervision forprotection from health andsafety threats due to severecognitive impairment.Subject to the insured (1)being certified by a licensedhealth care practitioner asbeing chronically ill as definedin the rider (being unable toperform, without substantialassistance from anotherindividual, at least 2 out ofthe 6 Activities of Daily Living(ADLs) for an expected periodof at least 90 days due to aloss of functional capacity;or requiring substantialsupervision to protect theinsured from threats to healthand safety due to severecognitive impairment); (2)receiving qualified long-termcare services covered underthe rider and specified in aplan of care; (3) having anapproved current plan of careand written proof of loss.In addition to completion ofa 90-day elimination period,one of the following healthimpairment criteria mustbe met: Certification by aqualified practitioner thatthe insured is chronicallyill and is permanentlyunable to perform, withoutsubstantial assistance fromanother person, two of theActivities of Daily Living(ADLs – bathing, continence,dressing, eating, toileting,transferring); Requiressubstantial supervision fromthreats to health and safetydue to a severe cognitiveimpairment (similar toAlzheimer’s and similar formsof irreversible dementia)that is measured by clinicalevidence and standardizedtests measuring short-term orlong-term memory, orientationas to people, places, or time,and deductive or abstractreasoning.Insured must be certifiedby a licensed health carepractitioner as beingchronically ill as definedin the rider (1) Beingunable to perform withoutsubstantial assistance fromanother person at least twoActivities of Daily Livingsuch as bathing, continence,dressing, eating, toileting,and transferring, due to aloss of functional capacity fora period of at least 90 days;or (2) Requiring substantialsupervision to protect suchindividual from threats tohealth and safety due tocognitive impairment); bereceiving qualified long-termcare services pursuant to aplan of care prescribed by thepractitioner; and provide proofof loss.Policyholder must be certifiedby a licensed health carepractitioner (a physician, aregistered nurse, or a licensedsocial worker) as chronicallyill and (1) unable toperform, without substantialassistance, at least twoActivities of Daily Living foran expected period of at least90 days due to the loss offunctional capacity. Activitiesof Daily Living include eating,bathing, toileting, continence,dressing, and transferring; or(2) having a severe cognitiveimpairment.Issue Ages20 – 8020 – 8020 – 8018 – 7518 – 8020 – 7520 – 80Continued on the next page.7

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 2 (continued)PrudentialBenefit PaymentOptionsMonthly indemnity,annual lump sum, or onetime lump sumProtectiveTransamericaMonthly indemnity, orannual lump sumMonthly indemnity, orannual lump sumMonthly indemnityMaximum monthly benefitis 2% of the deathbenefit, not to exceed: 1)IRS limit at time of claim2) IRS per diem limit atpolicy issue, compoundedat 4% annually 1,000 5,000 1,000 – 9,900 monthlyMaximum Total Benefit 5 millionLesser of 1 million or 90%of the death benefit(applies on an aggregatebasis per insuredindividual, at the time ofapplication) 2,500 7,500(available only with 150,000 minimum faceamount)(selected by insured atthe time of issue andcannot exceed 5% of basepolicy face amount—maynot exceed HIPAA per diemlimits) 5 millionAXAMinnesota LifeMonthly indemnityMonthly indemnity(3 Payout Options: IRSmaximum per diem amountin effect at the time claimbegins; 2% of specified benefitamount; 4% of specifiedbenefit amount)(Lesser of 1%, 2%, or 3% ofspecified benefit amount or200% (100% in NY) of HIPAAper diem limit times 30)Lesser of 2% of the specifiedamount or IRS per diem limit2% of accelerated benefitamount 50,000Lesser of 2% or 4% of thespecified amount or IRS perdiem limit 1 million 1.5 million (Election of 100%of specified benefit) 5 million (1% LTC benefit) 5 million(One-time for terminalillness only)Maximum MonthlyBenefitAmerican General 3 million (Election of 50% ofspecified benefit)Monthly indemnity 2.5 million (2% LTC benefit) 1,666,666 (3% LTC benefit)Restrictions on Use ofBenefitNo restrictions onbenefit use, once benefiteligibility requirementsare metNo limitations on benefituse, once benefit eligibilityrequirements are metNo limitations onbenefit use, once benefiteligibility requirementsare metBenefit payments will onlycover qualifying longterm care costs actuallyincurred including one ormore necessary diagnostic,preventive, therapeutic,rehabilitative, maintenance,or personal care services,provided in a setting otherthan an acute care unit of ahospital such as: (a) a longterm care facility; (b) an adultday care center; (c) a hospicecare facility; or (d) the homeNo limitations on benefituse, once benefit eligibilityrequirements are metBenefit payments will onlycover qualifying long-termcare costs actually incurredincluding services received byinsured while chronically illand confined to a long-termcare facility (other than theacute care unit of a hospital)that provides skilled nursingcare, intermediate care, orcustodial care; assisted livingfacility; hospice care facility;home health care provider oradult day careNo limitations on benefituse, once benefit eligibilityrequirements are metElimination PeriodNONE90 or 365 days90 or 365 days90 days90 days90 days90 days(Consecutive)(Consecutive)(Need not be consecutive)(Consecutive)(Within a consecutive 24month period)(Need not be consecutive)NONENONEResidual death benefitendorsementNONEAny death benefit remainingwhen policyowner elects lessthan 100% of accelerationfor claim10% of the maximum lifeinsurance face amount up to 25,000Residual Death BenefitNONE(Lesser of 10% of the lowestface amount of the basepolicy from its inception or 10,000)Continued on the next page.8

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALSCOMPARISONLIFE INSURANCE WITH BENEFITACCESS RIDER: A COMPETITIVE COMPARISONLIFE INSURANCE WITH BENEFITACCESS VS. LIFE INSURANCE WITH OPTIONAL CHRONIC ILLNESS AND/OR TERMINAL ILLNESS RIDER – Part 2 (continued)PrudentialRider ChargeMonthly deductionsProtectiveMonthly deductionsMonthly deductionsTransamericaMonthly deductionsAmerican GeneralMonthly deductionsAXAMinnesota LifeMonthly deductionsMonthly deductions(Treated as non-taxabledistributions that reduce costbasis)(Treated as non-taxabledistributions that reduce costbasis)RecertificationRequiredYes, annuallyYes, annuallyYes, annuallyYes, every 12 months fromthe date of the initial orsubsequent certificationYes, annuallyYes, annuallyYes, annuallyClaim Impact on DeathBenefitDollar-for-dollar reductionProportional reductionDollar-for-dollar reductionDollar-for-dollar reductionDollar-for-dollar reductionDollar-for-dollar reductionDollar-for-dollar reductionClaim Impact onPolicy ValuesProportional reductionProportional reductionProportional reductionDollar-for-dollar reductionDollar-for-dollar reductionProportional reductionProportional reductionInternational BenefitsYESYes (insured must becertified by a U.S. LicensedPractitioner)Yes (insured mustbe certified by a U.S.Licensed Practitioner)Restricted to United States,District of Columbia, orCanadaNONENONONETerminal illness benefitsavailable through aseparate riderTerminal illness benefitsavailable through aseparate riderTerminal illness benefitsavailable through a separateriderTerminal illness benefitsavailable through a separaterider (must be included withthe chronic illness rider)(The insured mustmeet the terms andconditions of the riderincluding certificationand recertification in theU.S. every 12 months bya U.S. licensed healthcare practitioner inaccordance with IRSguidelines)Provides Benefits inthe Event of TerminalIllnessYES(Provides for benefit ifthe insured becomesterminally ill and hasa life expectancy of 6months or less)(Unless initial and any annualrecertifications are completedby a physician licensed inthe U.S. For purpose of theexclusion, U.S. is definedas the 50 states, District ofColumbia, Puerto Rico, andthe U.S. Virgin Islands)Te

Prudential Nationwide Lincoln National John Hancock Genworth Pacific Life Penn Mutual Rider Name BenefitAccess Rider Long-Term Care Rider LifeEnhance Accelerated Benefits Rider Long-Term Care (LTC) Rider Long-Term Care Rider Premier Living Benefits Rider Chronic Illness Accelerated Benefit Rider Tax Qual