Because The Partner You Choose Counts

Because the Partner You Choose Counts

An Industry Leader and Pioneer ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],*LIMRA International, “Worksite Marketing of Voluntary Products Quarterly U.S. Sales Survey Fourth Quarter 2007

One Source Benefits Counseling Enrollment Services Insurance Products

The Competitive Edge “ By having a partner who’s flexible and provides multiple options, you can cover the breadth of your agency’s clientele. It gives you the tools to be able to satisfy clients in different size categories who care about their employees and want to communicate effectively to them.” Brian Tarpey, president of The Tarpey Group, LLC, N.J. Distinguish Yourself… Furnish Solutions… Preserve Your Clients…

The Competitive Edge Enjoy the Ease and the Accolades 6 Is a Perfect Number! 2008 Benefits Selling Readers’ Choice Awards Best disability product Most innovative carrier Carrier at the forefront of the consumer-driven health market Most broker-friendly carrier Best voluntary life insurance product Best enrollment company (honorable mention)

[object Object],[object Object],[object Object],[object Object],[object Object],Voluntary Benefits Solutions The Challenges

[object Object],[object Object],[object Object],Voluntary Benefits Solutions Our Products

[object Object],[object Object],[object Object],[object Object],Employer Benefits Package ,[object Object],[object Object],[object Object],Colonial Life’s Personal Insurance Products Voluntary Benefits Solutions Our Products Underwritten by Colonial Life & Accident Insurance Company. Products have exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states.

How Voluntary Benefits Can Work Annual Employer Savings: $19,398 ,[object Object],[object Object],Example based on group of 50 eligible employees, 2007 S.C. benefit rates, average age 35. Sample rates are for illustrative purposes only; rates may vary based on account type, state, group health carrier and other factors. *Medical Bridge SM 3000 Level 2: $1,000 Hospital Confinement Benefit, Employee-Only Coverage Employee (EE) Deductible Medical Bridge Premium Monthly Group Health Premium Annual Employer Funding $500.00 $1,500.00 $0 $18.50/EE/mo $13,462.00 $11,845.50 $161,544.00 $142,146.00

[object Object],[object Object],[object Object],[object Object],[object Object],Flexible Enrollment Options Tailored to Enrollment Needs Turnkey benefits enrollment & communications

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Flexible Enrollment Options Enrollment Quality Control

[object Object],[object Object],[object Object],Benefits Counseling Benefit Reps Who Work With You 93% of employers surveyed say personal benefit communications are valuable tools for recruiting and retaining employees. - Benefit News.com, “Survey says communication is key to benefits understanding and appreciation,” December 2006

[object Object],Benefits Counseling Benefits Communication Tools

[object Object],Benefits Counseling Benefits Communication Tools Employer’s Contribution

[object Object],[object Object],[object Object],Strategic alliances – Ceridian and Ameriflex Section 125 Programs

Service You Can Trust ,[object Object],[object Object],[object Object],[object Object],[object Object],99 percent of plan administrators say it’s easy to reconcile our invoices.

Service You Can Trust What the Surveys Say ,[object Object],9 in 10 claimants voice strong approval for the service they’ve received from us and would recommend us to others.* 99 percent of plan administrators say it’s easy to reconcile our invoices. Our customer service reps consistently score above 90 percent for their courtesy, accuracy, professionalism and knowledge.*

[object Object],[object Object],[object Object],By partnering with us, you can take advantage of... Service You Can Trust Broker Services

[object Object],[object Object],[object Object],[object Object],[object Object],By partnering with us, you can take advantage of... Service You Can Trust Broker Services

Broker Commissions ,[object Object],[object Object],[object Object],[object Object],How much do you net from your voluntary benefits business?

Broker Commissions Company A STD Gross Commission 65.0% Enrollment Costs (70% of gross) 45.5% Net After Enrollment (30% of gross) 19.5% How much do you net from your voluntary benefits business? Example of Net Earnings

1 When you compare nothing but net , you can typically earn more with us than you net with our top competitors! Higher Broker Commissions Nothing but NET Colonial Life Can Give You HIGHER Commissions ! WHY? Because we significantly raised our commission rates in 2008 and we don't charge to enroll your business. Applies to new accounts with an effective date of Nov. 1, 2008, or later

Choose a Partner You Can Count On ,[object Object],[object Object],[object Object],We’re Colonial Life. And we’re making benefits count.

Because The Partner You Choose Counts

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