Ameri-Life

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A Revolutionary Approach to Long-Term Care
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The AnnuiCare rider is a unique approachto
Long-Term Care,offered exclusively by Guaranty
IncomeLife Insurance Company
Home Office Baton Rouge, LA. Policy Form Nos.
LTC-2 and LTC-3.
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• It is a tax-deferred annuity that provides up to
  triple the annuity value for LTC
• It is a tax qualified long-term care policy
• It is a tax deferred annuity with a tax qualified
  long-term care benefit

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Why did Guaranty Income Life create an
Annuitywith long term care benefits?

• Because the majority of people self-insure.
• Traditional Long Term Care Insurance is expensive
  and difficult to qualify for medically.
• Seniors are reluctant to purchase something they
  may never use.

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Moving Assets Makes Your Money Work Better! (Free
Up More Assets)
100,000 LTC Benefit
150,000 Financial Safety Net
50,000 Premium
The cost of long-term care insurance is deducted
from the annuity value.
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Moving Assets Makes Your Money Work Better! (Free
Up More Assets)
150,000 Total available for Your Use
Moving 50,000 can provide a benefit of 150,000
for long-term care expenses.
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Kate Jones (Female 65) AnnuiCare at Issue
73000 730
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• 730 Days
• 2 years

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Kate Jones (Female 65) AnnuiCare at Issue
100 (Daily Benefit)
73000 730
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Kate Jones (Female 65) AnnuiCare at Issue
100 (Daily Benefit)
2,190 days (6 years) (Minimum Benefit Period)
219000 100
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Kate Jones AnnuiCare at Age 75
148.49 (Daily Benefit)
2,190 days (6 years) (Minimum Benefit Period)
325196 148.49
Assumed Interest Rate 5.00
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Kate Jones AnnuiCare at Age 80
180.88 (Daily Benefit)
2,190 days (6 years) (Minimum Benefit Period)
396117 180.88
Assumed Interest Rate 5.00
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AnnuiCareWhat Does It Pay?
AnnuiCare will pay Long-Term Care expenses up
to 100 of the daily maximum benefit for

• Home Health Care
• Homemaker Services
• Hospice Services
• Maintenance or Personal Care Services
• Respite Care
• Assisted Living Facilities Care
• (Residential Care Facilities for the Elderly in
  California)
• Alzheimers Care
• Nursing Home Care

and up to 50 of daily maximum benefit for

• Adult Day Care

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AnnuiCareAccessing Your Benefits
To qualify for benefits, the insured must be
chronically ill as certified by a licensed
healthcare practitioner as
or

• Requiring substantial supervision to protect the
  individual due to a severe cognitive impairment.

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AnnuiCare Suitability

• Financial - Where is the money coming from? Can
  you afford the coverage?
• Medical What is your past medical history?
  What medications are you currently taking?
• Market 60 to 85 years of age with 100,000 of
  liquid net worth

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AnnuiCare Underwriting

• No Medical Exams
• No Medical Records Ordered
• No Lab Work Ordered
• No Substandard Ratings
• Quick Response - Usually 72 Hours

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AnnuiCare Underwriting

• Up to age 75Telephone Interview by Registered
  Nurse

• Age 75 plus Face to Face Interview

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AnnuiCare at a Glance

• Minimum Amount 36,500 Non-qualified
• 50,000 Qualified
• Maximum Issue Age 85
• Guaranteed Interest Rate 3
• Liquidity Feature Interest earnings in excess
  of the long-term care premium deductions can be
  withdrawn without penalty. Any withdrawals will
  reduce long-term care benefits.
• Death Benefit Greater of annuity surrender
  value or return of annuity premium paid less any
  previous withdrawals and deductions.
• Withdrawal Charges

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A Revolutionary Approach to Long-Term Care
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