Privileged Choice

	One of the most comprehensive long-term care products in the industry today
	Competitively priced for couples
	40% discount when couples apply for and issued coverage; 25% if only one is issued
	Built-in survivorship benefit
	No elimination period (deductible) for home and community care coverage
	Benefit eligibility begins the first day covered home care is needed
	International coverage rider at no cost
	Paying monthly benefits at all levels of care
	Elimination Periods 30, 90 or 180 days
	International coverage nursing home benefit of up to 75% of the monthly maximum for up to 48 months
	10-year survivorship benefit
	Limited pay 10 pay and pay to 65

For Agent Use Only
All policies and features may not be available in all States.

Classic Select

	Classic select modular design allows you to customize a long term care insurance plan that meets your clients specific needs
	50% home care option
	Low cost alternative for singles
	Classic Select is ideally designed for single people
	Optional 50% home care can be chosen to lower premiums
	Paying daily benefits to reimburse at all levels of care
	Elimination periods 30, 90 or 180 days
	International coverage not available
	Survivorship benefit only available through optional rider
	Limited pay 10 pay and pay to 65
	Discounted for couples both must apply - 25% if one is issued; 40% each if both are issued
	Discounted for preferred health 10% off
	Limited pay 10 pay and pay to 65

For Agent Use Only
All policies and features may not be available in all States.

GE Choice

	Daily benefit to $250
	Issue ages through 84.
	2 rates classes - Preferred and Standard
	Spousal discount 25%
	Shared care plans available up to 12 years
	Meals on Wheels available
	Facility deductibles of 50 & 100
	Home Care elimination is 0 on all policies
	The #1 issued policy in the country
	Shared care benefits available for couples and is endorsed by Suzy Orman
	Spousal survivorship waiver included at no cost in most states
	0-day elimination is available for home care with no cost. Service days count toward facility deductible

For Agent Use Only
All policies and features may not be available in all States.

Long Term Care - Simple Solutions, 3 Plan Designs

	Daily benefits up to $500 per day.
	Issue ages up to 84.
	4 rate classes available.
	New family policy available for parents & children.
	Shared care rider.
	Facility bed reservation 60 days.
	Waiver of premium first day.
	Guaranteed purchase option included at no cost.
	Partner discounts available as well as family plans and discounts.
	Heaped commissions available.
	NEW FEATURE: New LTC policyholders for Custom Care II and Essential Care II products can now pay monthly or quarterly premiums with Visa or Mastercard.

For Agent Use Only
All policies and features may not be available in all States.

Care Directions Simplicity

	No history of rate increases ever
	Qualifiers for benefits RECEIVE CASH! Product available ages 18-85
	Designed as a tax qualified cash product paying eligible policyholders their applicable maximum monthly benefit in cash without regard to services used or amount spent
	10 pay, pay up to 65, reduced premium options available at both 65 and 70
	Simple, compound, and compound 2X maximum inflation options available
	Credit cards (MasterCard and Visa) can be used for premium payment
	Software contains underwriting guidelines with 800# for any questions
	Agents have full online accessibility to production, placed and pending status of apps
	Employer group and affiliation
	Top agent and agency contracts available

For Agent Use Only
All policies and features may not be available in all States.

Long Term Care

	Issued ages 18-84 with daily benefit amounts from $50-$400
	Benefit periods of 2, 3, 4, 5, 7, and unlimited with E.P. option of 20, 45, or 100 days
	4 plan options including facility only benefits
	3 types of underwriting discounts; up to 30% for each applicant.
	10% residential discount for 2 people who live together and apply together.
	New reduced pay at age 65 available
	Lifestyle underwriting performed only by RN's
	Multi-Life discount programs with modified guarantee/simplified issue even for spouses of employees
	1 indemnity plan
	1 plan with optional indemnity as a rider

For Agent Use Only
All policies and features may not be available in all States.

VIP2

	4 plan designs
	Spousal discount is 30% - %15 when only one spouse applies
	10% preferred discount with a maximum discount of 40% per person
	Multi-life programs available with as few as 10 apps for modified guarantee issue
	Optional riders include:
	Survivorship
	Calendar day elimination period instead of service days
	Home care elimination period waiver that allows for service days to count toward facility deductible
	100% international indemnity coverage on premier plan
	Domestic partner discounts are same as marital where state law permits
	New York partnership includes a 100% home care option
	Waiver of premium on first day the insured starts receiving benefits

Product launches January 28, 2005 in approved states. VIP series applications in approved states must be in the home office 30 days after VIP2 launch.
For Agent Use Only
All policies and features may not be available in all States.

Long Term Care I ** Ask about our hand-held electronic LTC rate book and organizer!

	Tax-Qualified coverage only - similar to the federal government employee plan - one pool of dollars for confined care and home health care combined
	Expanded payment options, including 10-year and to age 65
	Pool of money options
	Multiple underwriting classes
	Inflation-protection options
	Variety of discounts including 30 percent discount for spouses
	Several alternate care benefits including:
	Home medical alert
	Ambulance expense
	Durable medical equipment
	Patient advocacy
	Home medication
	Informal caregiver
	Medication management

* LTC I is not available in all states.
For Agent Use Only
All policies and features may not be available in all States.

Long Term Care II ** Ask about our hand-held electronic LTC rate book and organizer!

	Tax-Qualified and Non-Tax Qualified coverage - two separate pools of dollars for confined care and home health care
	Expanded payment options, including 10-year and to age 65
	Pool of money option
	Multiple underwriting classes
	Inflation-protection options
	Variety of discounts including 30 percent discount for spouses
	Indemnity payment - an option for nursing home and assisted living facility benefits
	Spouse benefit option (60%)
	Monthly home health care benefit option
	Waiver of home health care elimination
	Return of premium at death less claims options
	Employer-sponsored coverage with discounted rates
	Several alternate care benefits including:
	Home medical alert
	Ambulance expense
	Durable medical equipment
	Patient advocacy
	Home medications
	Informal caregiver
	Medication management

* LTC II is not available in all states.
For Agent Use Only
All policies and features may not be available in all States.

Vista Care Choice

	Physicians Mutual Insurance Company is stronger than ever with continued high ratings based on financial strength.
	Named one of the top three "Strongest Long-Term Care Insurers" with an A+ rating by Weiss Ratings, Inc.
	Top-rated long term care reimbursement policy as rated by www.sellingltc.com
	Shared care rider - Separate third pool of money
	Calendar day elimination
	More limited pay options - 10-pay, 20-pay and paid up at age 65
	Home cash benefit rider - Pays cash equal to 20% of home and community care benefit
	Waiver of elimination period for home and community care rider
	Return of premium rider

For Agent Use Only - Not To Be Distributed To The Public
All Policies and Features may not be available in all States

LTC3

	Home care daily benefit (50%, 75%, 100%, or 150%)
	Private care consultant benefit
	Calendar day elimination period
	Cash alternative benefit
	International coverage
	Partner Discount - lifestyle friendly literature
	10-pay option
	Paid up to age 65
	Premium reduction at age 65
	Guaranteed purchase option (GPO)
	5% compound inflation 2X max
	Monthly benefit option
	Cash benefit option
	Flexible cash benefit option
	Joint waiver of premiums
	Survivor waiver of premiums
	Return of premium upon death
	Shared care

For Agent Use Only - Not to be Distributed to the Public
All policies and features may not be available in all states.

Prudential Long Term Care Insurance is underwritten by The Prudential Insurance Company of America, a New Jersey company, 751 Broad Street, Newark, NJ 07102 (800)732-0416. This coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. All insurance policies may not be available in your state. Coverage is issued under policy numbers GRP 98176, GRP 98177 and GRP 98178, however, policy numbers may vary by state. NAIC #68241 CA Certificate of Authority No. 1179.

Prudential Long Term Care

	Daily benefit up to $350
	Daily and monthly home care payment option
	Issue ages: 18-84 with 3 rate classes
	20% spousal discount
	Up to 15% select health discount
	True 0-day elimination for all levels of care
	Calendar day elimination in lieu of care
	0-day waiver of premium
	Home care by unlicensed caregiver
	Cash indemnity rider available
	Calendar day elimination in lieu of care
	Professional markets with worksite available with modified guaranteed issue
	Monthly home care benefit payment option available as daily reimbursement option
	Select health discount is offered in most states with an additional 15% discount on top of a 20% spousal discount

For Agent Use Only - Not to be Distributed to the Public
All policies and features may not be available in all states.

Prudential Long Term Care Insurance is underwritten by The Prudential Insurance Company of America, a New Jersey company, 751 Broad Street, Newark, NJ 07102 (800)732-0416. This coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. All insurance policies may not be available in your state. Coverage is issued under policy numbers GRP 98176, GRP 98177 and GRP 98178, however, policy numbers may vary by state. NAIC #68241 CA Certificate of Authority No. 1179.

Long Term Care

	Reimbursement and indemnity models
	Monthly benefits up to $8,000; disability-based LTC plan
	Home care benefits paid on a daily or monthly basis.
	Mental & nervous conditions are not excluded.
	No pre-existing condition clause.
	4 underwriting classes.
	Issue ages up to and including age 80.
	New reimbursement model to reduce premiums
	Facility only plan available
	True indemnity contract available for all levels of care
	Stand by assistance trigger
	Waiver of premium from 1st day of elimination period by a licensed health care practitioner
	No receipts or vouchers required to receive benefits under indemnity version
	Employer programs available with guarantee issue on individual policies
	Standard Issue available if minimum criteria is met
	Optional benefit available which covers care provided by family and friends

For Agent Use Only
Polices or provisions may vary or be unavailable in some states. Policies have exclusions and limitations which may affect any benefits payable.