IPG and Standard Insurance Company have teamed up to provide you with some of the best DI products on the market. Founded in 1906, Standard has earned a solid reputation for their quality products, expert resources, superior service, steady growth, and strong financial performance.

The Standard began offering individual disability insurance in 1952. Our commitment to providing quality products and service remains strong today. A progressive claims management philosophy, that draws on our tremendous group claims experience, contributes to our continued success. Experienced underwriters and knowledgeable service staff are available to assist you.

The managing of disability claims varies greatly from one insurance company to the next. That's why it's so important to know what managing a claim means. At Standard Insurance Company, our managed disability process has been carefully designed with three underlying philosophies in mind:

• Most people who become disabled would prefer to be leading productive, full lives.
• Disabled people need financial and emotional support.
• We can make a difference in the lives of fellow human beings who are experiencing a difficult period in their lives.

The Standard's managed disability insurance process provides sensitive, cost-effective solutions to meet the needs of individuals and employers - before and after disabilities occur.

The Standard's current line, The Protector^SM Series, consists of three products designed to serve a variety of individual disability insurance needs.

The Protector+^SM

Available for a wide range of occupation classes (5A, 4P, 4A, 3P, 3A, 2A, A and B), The Protector+SM is designed for flexibility. Based on a guaranteed renewable chassis, it features provisions such as:

• Presumptive Total Disability
• Total Disability Benefit - because of injury and sickness, the insured is:

1. Unable to perform the substantial and material duties of his or her regular occupation
2. Not engaged in any other gainful occupation
3. Under the regular care of a physician

• Waiver of Premium Benefit
• Rehabilitation Benefit
• Survivor Benefit
• Cosmetic or Transplant Surgery Provision

The Protector+^SM utilizes optional riders that allow you to customize the product to suit your clients' specific needs. Optional riders include:

• ICOL - Indexed Cost of Living (all occupation classes)
• RD - Residual Disability (includes Recovery Benefit) (all occupation classes)
• FPO - Future Purchase Option (all occupation classes)
• SSI - Supplemental Social Insurance (all occupation classes)
• OWN OCC - Your Own Occupation (5A, 4P, 4A, 3P & 3A Physicians)
• NON CAN - Noncancelable Policy (5A, 4A, 3A & 2A)
• Catastrophic Disability Benefit Rider (all occupation classes))
• New pricing: some classes are now much cheaper!

The Protector+^SM Implementation Memo - How the transition will take place.
The Protector+^SM Sample Policy
Product Availability by State
The Protector+^SM Product Guide
PowerPoint^SM Presentation Outlining changes in new porduct and new pricing

The Business Protector^SM
This product is designed for professionals and small business owners in occupation classes 5A, 4A, 3A, 2A, A and B. It provides for reimbursement of covered expenses, up to policy limits should the insured business owner incur a disabling accident or illness. Covered expenses include, but are not limited to:

• mortgage interest or lease payments
• employee wages (salaries, certain taxes, and benefits)
• utilities
• business fees
• business insurance premiums
• Even the salary of a person hired to perform the duties of the disabled insured owner is covered.

Available riders include:

• Future Purchase Option
• Residual Disability

Policy and rider provisions, and their availability, may vary by state.

The Business Equity Protector^SM (Buy/Sell)
This product is designed specifically for use with formal written disability buy/sell agreements for partnerships and professional corporations with up to 10 principals. It is available for occupation classes 4A, 3A, and 2A. The Business Equity ProtectorSM provides funds for the purchase of the insured individual's ownership interest in a business in the event of a total disability.