Excellence through innovation

Achieving excellence through innovation is our goal at John Hancock - and Leading Edge is the result. This innovative product provides a complete set of solutions to a variety of industry challenges:

• Automatic Inflation Coverage offers a more affordable approach to inflation protection.² It provides built-in, compound inflation protection linked to the Consumer Price Index (CPI).
  
• Caregiver Support Services provides a tangible "now" benefit³ designed to help ease the stress on policyholders who are called on to provide caregiving or care planning for parents or other family members.
  
• 5 Years Plus $1 Million is a creative alternative to costly lifetime coverage that provides policyholders with an additional $1 million in coverage should the pool of money from their initial 5-Year Benefit Period run out.
  
• Comprehensive Coverage with a Streamlined Design helps to reduce the complexity of LTC insurance without sacrificing coverage. Leading Edge helps take the guesswork out of policy design by offering strong, built-in benefits and just the right choices:
  
  Built-in features include:
  - Automatic compound inflation linked to the Consumer Price Index (CPI)
  - A standard 100-day Elimination Period
  - International Coverage
  - Expanded home health care services, including Total Homemaker Services and independent home health care where provider qualification is not required.⁴
  
  You only have to make a few key decisions:
  - Daily/Monthly Benefit: Choose $50-$500 per day or $1,500-$15,000 per month
  - Benefit Periods: Choose 3 Years, 5 Years, or 5 Years Plus $1 Million
  - Optional Riders: SharedCare, Nonforfeiture, and Zero-Day Elimination Period for Home Care
  
  The product also offers:
  - A simplified claims process that minimizes paperwork and administration
  - Credit card payments (MasterCard® and Visa®) for all premium payment modes

1. Product features may vary and may not be available in all states.
2. In most states, policyholders also have the option to select 5% Compound GPO.
3. Available following the 30-day Free-Look Period.
4. Home care provider cannot be a family member or partner

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Penn Treaty American^SM Corporation (NYSE: PTA), through its insurance company subsidiaries, is a leading provider of long term care insurance, providing a diverse product portfolio. These Tax-Qualified or Non-Tax Qualified plans are designed to make the administration of claims simple, quick and sensitive to the needs of consumers.

Product Summary Below

• Personal Freedom - Comprehensive LTC
• Assisted Living Plus - Stand alone Facility Care
• Independent Living - Stand alone Home Care
• Simple LTC Solutions - Unique 80/20 coinsurance LTC plan
• Secured Risk - Substandard LTC

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