This document summarizes a short-term care insurance policy that provides nursing home benefits for up to 360 days per confinement. Key features include: coverage for all levels of nursing home care without a prior hospital stay requirement, flexible daily benefits from $20-$300, and full restoration of benefits after six months confinement-free. Premiums can be more affordable than long-term care insurance and help cover costs if a nursing home stay is less than one year or Medicare-approved. The average annual cost of a nursing home is over $78,000 for a semi-private room. This policy could cover those costs for less than the premiums would be over a lifetime.

1. An Affordable Approach to
Covering the High Cost of
Nursing Home Care
Policy Form B 9305
Short-Term Care
®
Senior Security Series®
Providing up to 360 days
of nursing home benefits
per confinement
The Strength of Experience
B 9305 STC SB2013 (1-13)

2. Consider the benefits*
of a Short-Term
Care Policy from Bankers Fidelity Life…
Covers all Levels of Care
Your Short-Term Care policy provides coverage for any level of care
including custodial care.
No Prior Hospitalization Required
You may enter the nursing facility directly from your home; there is no
pre-hospitalization requirement.
Flexible Benefits Tailored to Your Needs and Budget
Select from daily benefits of $20*
to $300. Choose from benefit periods of 180
days or 360 days, with a 20**
-day elimination period applied to either option.
Full Restoration of Benefits
Following confinement in a nursing home, and after you have been con-
finement-free for six consecutive months, 100% of any benefits paid are
restored*. Your lifetime maximum benefit is two times the benefit period
selected. Example: the 360 day benefit period provides a maximum life-
time benefit of 720 days.
Full Benefits Paid for Alzheimer’s Disease
Cognitive impairments, including Alzheimer’s Disease, senile dementia
and Parkinson’s Disease, are covered the same as any other illness.
Broad Definition of Coverage
Short-Term Care benefits are paid when you are unable to perform any
two of five Activities of Daily Living (ADLs):
and your nursing home stay is medically necessary as determined by
your physician.
Guaranteed Renewable for Life
Your policy can never be cancelled by the Company as long as your
premiums*
are paid on time, either in advance or during the grace period.
*Benefits are subject to limitations and exclusions. Premiums subject to change. Refer to Outline of Cover-
age for complete details.
If you understand the need for long-term care insurance but find the
premiums too expensive, a Short-Term Care Policy©
(form B 9305) from
Bankers Fidelity Life™
may be for you. By providing up to 360 days of
nursing home benefits per confinement, Short-Term Care will cover the
majority of all nursing home stays at a price that is much more afford-
able than long-term care insurance.
In addition, Short-Term Care coverage helps provide a degree of
protection from the depletion of your assets should you require a brief
stay in a nursing facility. And a Short-Term Care Policy allows you time
to make critical financial arrangements if long-term nursing home care
becomes necessary.
Facts About Nursing
Home Care*
Why should you consider Short-Term Care protection?
As a national average, the cost per year in
a nursing home in 2011 in the U.S. was:
• Private Room—$239 per day /
$87,235 per year
• Semi-Private Room–
$214 per day /
$78,210 per year
Source: Results of study Mature Market
Institute 2011; Oct/2011
According to the official US Government
Site for People with Medicare (HHS.gov)
• Medicare will pay some nursing
home costs under certain limited
conditions.
• Services must be from a Medicare
certified skilled nursing home after
a qualifying hospital stay of at least
3 days.
• Medicare generally doesn’t pay for
long-term care.
• Medicare doesn’t pay for help with
activities of daily living or other care
that most people can do them-
selves.
In 2013 you would pay the following on a
Medicare approved nursing stay:
• Nothing for the first 20 days
• Up to $148 per day for days 21-100
• All charges after 100 days
Source: www.medicare.gov
*$30 minimum in Georgia. **30 days in Tennessee.
*Not available in DE. Limited availability in NM and PA - only available on 180 day benefit period
• Dressing • Toileting • Transferring • Continence • Eating
B 9305 STC SB2013 (1-13)

3. Example of the Average Cost of Nursing Home Care
in a Semi-Private Room for 360 days:
Average Length of Nursing Home Stay: 411 Days
Solution: With a Bankers Fidelity®
Short-Term Care Policy
$220 per day / 360 day benefit
That’s a Difference of:
Length of stay in nursing homes varies widely and can be measured in a variety of
ways. The average length of stay for a patient under the age of 85 was 411 days.¹
67% of people discharged from nursing homes stayed for three months or less.²
Medicare
Approved*
YOU PAY:
$0
YOU PAY:
$67,480*
YOU PAY:
$67,480
Not
Medicare
Approved
YOU PAY:
$4,280
YOU PAY:
$72,760
YOU PAY:
$77,040
Medicare
Approved
YOU PAY:
$0
YOU PAY:
$0
YOU PAY:
$0
Not
Medicare
Approved
YOU PAY:
$4,280
YOU PAY:
$0
YOU PAY:
$4,280
Medicare
Approved $67,480
At age 65, a Non-Tobacco male with a $220 per day/
360-day benefit would have to pay premiums of $76.56††
monthly for at least 73 years before the insurance
coverage would cost this much!
Not
Medicare
Approved
$77,040
At age 65, a Non-Tobacco male with a $220 per day /
360-day benefit would have to pay premiums of $76.56††
monthly for at least 83 years before the insurance
coverage would cost this much!
0-20 days 21-360 days Total
0-20 days†
21-360 days Total
²Source: AARP, Nursing Home Fact Sheet, February, 2001
¹Source: 2004 National Nursing Home Survey prepared by Division of Health Care Statistics, Long-Term Care Statistics
Branch; June 2008
†
30-day elimination period in TN.
*Medicare covers skilled care in a skilled nursing
facility (SNF) if you have Medicare Part A
(Hospital Insurance), a qualifying hospital stay of
three consecutive days or more and your doctor
has decided that you need daily skilled care.
The SNF providing these services must be
certified by Medicare and the stay must be for
a medical condition that was treated during a
qualifying three-day hospital stay.
With Bankers Fidelity’s Short-Term Care, if your stay is
less than one year and Medicare approved, you pay $0.
††
Rates for GA shown; rates vary by state.
Rates subject to change on a class basis.
(at $214 per day)
* 21-100 days at $148 per day = $11,840
+ 101-360 days at $214 per day = $55,640
= $67,480
B 9305 STC SB2013 (1-13)

4. End of Policy Year
Base Policy
With 5% Simple Inflation
1 2 3 4 5 6 7 8 9 10 15 20
250
200
150
100
50
0
DailyBenefit
PROPOSAL A PROPOSAL B
Benefit Period: 180 Days Benefit Period: 360 Days
Lifetime Maximum: 360 Days†
Lifetime Maximum: 720 Days†
Elimination Period: 20 Days (30 in TN) Elimination Period: 20 Days (30 in TN)
Inflation Benefit: ❐ None Inflation Benefit: ❐ None
❐ 5% Simple Interest* ❐ 5% Simple Interest*
Daily Benefit: ❐ $20** ❐ $30 ❐ $40 Daily Benefit: ❐ $20** ❐ $30 ❐ $40
❐ $50 ❐ $60 ❐ $70 ❐ $50 ❐ $60 ❐ $70
❐ $80 ❐ $90 ❐ $100 ❐ $80 ❐ $90 ❐ $100
❐ $110 ❐ $120 ❐ $130 ❐ $110 ❐ $120 ❐ $130
❐ $140 ❐ $150 ❐ $160 ❐ $140 ❐ $150 ❐ $160
❐ $170 ❐ $180 ❐ $190 ❐ $170 ❐ $180 ❐ $190
❐ $200 ❐ $300 ❐ $200 ❐ $300
Premium Calculation
Annual Premium per $10 unit:....................= $______________
× Number of Units _______ ..................= $______________
= Total Annual Premium:.............................= $______________
× Modal Factor ________ ......................= $______________
+ One-time Policy Fee................................ $______________
= Total Initial Premium................................ $______________
Premium Calculation
Annual Premium per $10 unit:....................= $______________
× Number of Units _______ ..................= $______________
= Total Annual Premium:.............................= $______________
× Modal Factor ________ ......................= $______________
+ One-time Policy Fee................................ $______________
= Total Initial Premium................................ $______________
*Simple Interest Inflation Rider not available in DE or OH.
*Simple Interest Inflation Rider not available in DE or OH.
**$30 minimum benefit in GA.
†Restoration of benefits not included in DE;
In NM and PA, restoration is only included on 180 day benefit plan.
Design a plan to meet your needs and budget
Valuable protection against future inflation
Optional 5% simple interest Inflation Protection Benefit Rider (B9305 R1 (R06-05))* provides increasing
benefits to help protect against rising nursing home costs. Daily Benefit increases annually for 20 years.
Inflation Benefit Illustration
(Beginning Benefit = $100 per day)
B 9305 STC SB2013 (1-13)