Dental

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1 2010 For Agent Use Only

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2 January 2010 – Good dental hygiene and health may be crucial in preventing heart valve infection, according to research reported in Circulation: Journal of the American Heart Association. FACT: Seniors have a greater need for dental care than any other age group. We never outgrow our need to visit the dentist. “If you stop oral hygiene measures, the amount of disease in your mouth goes up considerably and progressively and you’ll have far worse oral disease,” Peter Lockhart DDS Nearly a quarter of 65- to 74-year-olds have severe periodontal (gum) disease, which is associated with chronic disease and severe health events For Agent Use Only

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3 One of the glaring gaps in Medicare coverage is the lack of dental care. Medicare doesn’t cover most dental procedures, such as fillings, extractions, and dentures. Currently Medicare will pay only for dental services that are crucial to another covered procedure, such as jaw reconstruction following accidental injury. Congress has not amended the dental exclusion in Medicare since 1980. Elderly Pay More out of Pocket for Dental Services Than Any Other Age Group SENIOR JOURNAL.COM For Agent Use Only

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4 PRODUCT HIGHLIGHTS: Guaranteed Acceptance age 63 and up Guaranteed Renewable Use ANY Dentist No Deductible Sensible Waiting Periods Choice of two plans For Agent Use Only

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5 AFFORDABLE: Annual premiums as low as $210 Flexible payment options Three rating tiers based on zip code For Agent Use Only

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6 EASY TO UNDERSTAND: NO Deductible Choose from Two Plans Standard Plan* ( Basic Benefit Levels ) Maximum Annual Benefit $1,500 Enhanced Plan* ( Highest Benefit Levels ) Maximum Annual Benefit $6,000 For Agent Use Only

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7 *Waiting periods – beginning with each insured person’s effective date. For Agent Use Only

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