Bankers Life and Casualty Company is today one of the largest insurance companies in the United States focused exclusively on the needs of senior Americans. Bankers services the needs of seniors through a broad portfolio of insurance products including long term care, life, annuities and medicare supplement; a national sales force of professionally trained career agents; and a dedicated group of highly capable home office employees. Brief information on each of the product areas: 1) Medicare Supplement Insurance: MSI covers out-of-pocket medical costs that help pay for items that Medicare may not cover, such as: Medicare deductibles, hospital and medical care co-insurance, extended hospital care, physician's services, hospital outpatient services and supplies, and ambulance services. 2) Long Term Care/Home Health Care Insurance: A Bankers Life and Casualty Company (Bankers) Long Term Care insurance policy provides benefits that help pay for nursing home care, home health care and comprehensive care (both nursing home and home health care). 3) Life Insurance: a) Term Life Insurance: Term life policies pay only a death benefit and build no cash values. The coverage lasts only as long as the policy stipulates (e.g., 5, 10, 15, or 20 years). b) Permanent Life Insurance: This type of life insurance lasts for the entire life of the insured - as long as premium obligations are met. The policy owner may pay premiums as long as the insured lives, or only for a set amount of time. Permanent life policies usually build cash values in addition to providing a death benefit. c) Whole Life Insurance/Ordinary Life Insurance: This is permanent life insurance that usually requires premiums to be paid for the entire time the insured is living. d) Universal Life Insurance: This is a permanent life insurance policy that may have flexible premiums, cash values and adjustable death benefits. 4) Annuities: a) Flexible premium annuities: Money can be added to the annuity anytime. b) Single premium annuities: For those who are looking for a secure option for investing a lump sum. c) Immediate Annuities: For those who wish to convert accumulated wealth into a guaranteed income that begins right away. d) Equity-indexed annuities: Combines the safety of a fixed interest rate with the performance of the stock market

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