MedAmerica has a Best's rating of A- "Excellent" and an A- "Strong" rating by Standard & Poor's. MedAmerica Insurance Company (Home Office: Pittsburgh, PA) and MedAmerica Insurance Company of New York (Home Office: Rochester, NY) are the long-term care insurance subsidiaries of a $5 billion nonprofit health insurer. MedAmerica has built a solid reputation as an industry leader by offering innovative, flexible, comprehensive products at competitive rates to employers, affiliations, and individuals. The company's CareDirections Simplicity® is the highest rated product on the market according to SellingLTC.com. Designed as a tax-qualified cash product, Simplicity offers policyholders outstanding value and coverage.
www.medamericaltc.com
Penn Treaty:
Penn Treaty AmericanSM is devoted to offering the best Long-Term Care and related insurance plans and services to our agents and policyholders. With 34 years of experience we sell nationally in 44 states providing fast reliable services, with competitive rates, state of the art agent reporting tools and the most underwriting experience in the business. We are committed to your future and our's as a company.

www.penntreaty.com
John Hancock:
With a clear focus on meeting the needs of consumers today and tomorrow, John Hancock is a market leader in key insurance and investment product lines.
As always, John Hancock also takes a disciplined, financially conservative approach to growth, maintaining a diversified product portfolio and the essential elements of sound but conservative asset management.
John Hancock's primary insurance subsidiaries carry the highest-"AAA"-financial strength rating from Standard & Poor's Ratings Services.

www.johnhancock.com
Allianz Life Insurance Company of North America has compiled an enviable record of success since its founding in 1896, making it the third largest provider of fixed annuities in today's market; and is among the top 20 providers of variable annuities in North America, as reported by the Life Insurance Marketing Research Association. Allianz Life carries an A+ rating by A.M. Best and AA- (Very Strong) by Standard & Poor's, demonstrating effective positive financial results and strategies of management objectives.

ALLIANZ - The Power Beside You
www.allianzlife.com