HealthView HealthWealth Hub Account

• Actuarial-based
  • Mortality projections for individuals and couples
  • Annualized pre-retirement and in retirement healthcare cost projections
• Required investment based on life expectancy and health conditions
  • Lump sum or series of investments
• Personal decumulation strategy
  • Portfolio cash flow addresses annual healthcare costs in retirement
• Annual data updates
  • Generate reports for advisers to review with clients

Long-Term Care Account

• Actuarial-based long-term care cost projections by care setting
  • Home care
  • Assisted living
  • Skilled nursing care
• Blended cost
  • Based on actuarial probability of length of stay and various care settings based on age, gender and health conditions
• Personalized distribution system based on client projections
• Complement LTC insurance as well as annuity and life insurance riders
• A funding option for clients who prefer to self-insure

HealthView HSA Program

• Provides individuals and employees
  • A tax-advantaged way to save for and pay healthcare costs today and in the future
• Professionally-managed investment account
  • A low-fee
  • No-minimum
• Available programs include
  • HSA
  • HRA
  • FSA
• A debit card which can handle payments for all three options
• Custom-branded portal