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The Landings & Bay Colony

Financially Speaking continued

need long-term care. After talking with her Financial
Advisor, Mary moved $100,000 into a single premium
“hybrid” long-term care policy with a long-term care
benefits rider, and freed up the remaining $200,000 to
seek further growth. Now, Mary’s prepared for three
possibilities, all of which provide certain guarantees.

Considering single premium payment “hybrid” LTC policies
could be a smart way to insure against possible LTC
expenses. It allows you to use any of the remaining cash
that you had set aside for long-term care costs for other
investment opportunities. Also, it may offer certain money
back guarantees.

Let’s have a conversation

There are various LTC policies currently available in the
market; however you should choose one that works best for
you. Let’s talk about your retirement needs and how we
can work together to choose the most suitable LTC solution
for your specific situation.

Darran Blake, UBS Financial Services
401 East Los Olas Blvd., Ste. 2300
Fort Lauderdale, FL 33301

Darran is a resident of The Landings and on the Board of
Directors of The Landings Residential Association.

1 U.S. Department of Health & Human Services. National Clearinghouse for Long-Term Care information. hhttp://www.longtermcare.gov/LTC/Main Site/index.aspx, accessed April 2012.
2 Traditional life insurance with long-term care benefits.
3 Guarantees are subject to the claims paying ability of the insurance carrier.

UBS Financial Services Inc., its affiliates, and its employees do not provide tax or legal advice. Clients should contact their personal tax and/or legal advisors regarding their particular situation.

Important information about Advisory & Brokerage Services
As a firm providing wealth management services to clients, UBS Financial Services, Inc. is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering
both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important
that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. For more information, please visit our website at ubs.com/workingwithus.

Insurance products are issued by unaffiliated third-party insurance companies and made available through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services and its affiliates do not
provide legal or tax advice. Accordingly this material is not intended to be used, and cannot be used or relied upon, by any taxpayer for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii)
promoting, marketing or recommending to another party transaction or tax-related matter(s). Clients should consult with their legal and tax advisors regarding their personal circumstances.

The hypothetical case study results and accompanying charts are for illustrative purposes only and should not be deemed a representation of past or future results. This example does not represent any specific
product, nor does it reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis. Benefit amounts vary by age, gender and health
status. The case study shows a life insurance policy with a rider that accelerates the specified amount of death benefit to pay for covered long-term care expenses.

Benefits riders may be available to continue long-term care benefit payments after a specified amount of death benefit has been paid.

Money back guarantees are typically provided by return of premium riders, which may be included at issue on single premium and certain flexible premium policies. The amount of premium returned may be adjusted
for any benefits paid, any loans or withdrawals taken, and it may have tax implications.

The cost of riders are typically deducted from the policy account value. Guarantees are backed by the claims-paying ability of the issuer and are subject to policy terms and conditions. The insurance policy and riders
have limitations, exclusions, and/or reductions.