Most employees are unaware of the level of disability protection their employers provide and executives' needs are not fully met by traditional group plans. An executive disability income plan can address shortfalls by utilizing both group LTD and individual disability insurance to provide enhanced, portable coverage for executives. This comprehensive strategy provides stronger benefits to attract and retain key talent.

1. Executive Disability Income Plans SecuraDI Consultants 5353 Gamble Drive, Suite 300 Minneapolis, MN 55416 952-224-5400 www.sdiconline.com

2. Disability Insurance – more important than ever. What once caused death, now causes disability… For example, deaths due to hypertension are down 73%, while disabilities due to hypertension have increased by 70%.

6. The Typical LTD Plan

9. Remember this….The Typical LTD Plan

10. A Winning Solution

12. Benefits All Broker: Deepens client relationships and producers’ value by adding more product solutions Competitive Broker compensation First year commissions and renewals Vested Broker of Record for inforce business-client retention Employer: Helps attract and retain talented employees Enhances the competitiveness of the employer’s benefits package Allows employer to provide easy access to Individual DI May stabilize overall rates Claims experience for the supplemental DI will not impact the basic LTD rates Employee: Allows a higher net income during a disability Provides strong policy provisions as compared to Group LTD Provides portable coverage even if he/she changes jobs Offers discounted premiums No medical exams or lab work required Premiums are fixed Ease of payroll deduction Employee Broker Employer

14. Contact Mark Weibel at SecuraDi Consultants 952-224-5400 x 215 or [email_address] SecuraDI Consultants