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COPYWRITING PORTFOLIO
Insurance
James Martin Moran
Mobile: 857-756-4305
Email: moranjamesmartin@gmail.com
LinkedIn: linked...
SAMPLE #1
CLIENT: Liberty Mutual Insurance
DELIVERABLE: Corporate Overview Brochure
Note: I worked with legal and cross-fu...
Integrity,Strength & Excellence
Corporate integrity. Financial strength. A longstanding commitment to excellence. Liberty ...
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  1. 1. COPYWRITING PORTFOLIO Insurance James Martin Moran Mobile: 857-756-4305 Email: moranjamesmartin@gmail.com LinkedIn: linkedin/in/jamesmartinmoran
  2. 2. SAMPLE #1 CLIENT: Liberty Mutual Insurance DELIVERABLE: Corporate Overview Brochure Note: I worked with legal and cross-functional teams over the course of 6 months to create this new brochure.
  3. 3. Integrity,Strength & Excellence Corporate integrity. Financial strength. A longstanding commitment to excellence. Liberty Mutual is one of the world’s leading and most trusted insurance carriers for these three reasons. For nearly one hundred years, our mission has been to provide comprehensive, quality insurance products that help our customers live safer, more secure lives. We’ve worked hard to develop auto, home, and life insurance programs that provide long-term benefits to our customers, and we constantly strive to improve our products and services. Equally important, our legacy of working for the public good through philanthropy, safety research, and educational outreach benefits our worldwide community. Liberty Mutual Is the Strong Partner on Which You Can Depend
  4. 4. Auto and Home coverage is provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA 02116. Life insurance and annuity products are offered by Liberty Life Assurance Company of Boston, a member of the Liberty Mutual Group. Home Office: Boston, Mass. Service Center: Dover, NH. © 2012 Liberty Mutual Insurance. 11AFF423 07/2012 *Group 07 08 10 Corporate Integrity Our principles set us apart from the competition. Responsibility for doing the right thing has always been our policy. “Liberty Mutual is committed to operating with absolute integrity. We are in the business of trust. People build their lives on our promises and trust us to keep those promises.” -David Long, Liberty Mutual President and CEO Giving Back to the Community We believe in our responsibility to help build better communities. In 2011, Liberty Mutual gave more than $43.3 million in contributions and sponsorships to national and local nonprofits with strong leadership. The sectors we support include education, health and human services, civic and community, and arts and culture. Achievements in Safety Since our founding in 1912, Liberty Mutual has been a leader in safety research and outreach. We provided safety consulting for the construction of many world-recognized landmarks, including renovations to the White House. The Liberty Mutual Research Institute is an internationally recognized enterprise in the field of workplace safety and prevention of work-related injuries. Financial Strength Liberty Mutual has the proven financial depth and breadth our customers can depend on. We are a Fortune 100 corporation and one of the most diversified property and casualty insurers in the world. For 2011, we have: n An “A” (Excellent) financial strength rating from A.M. Best Company n An “A2” rating from Moody’s signifying our “Good” financial security n An “A-” rating from S&P for our “Strong” financial security characteristics Facts for 2011 n $117.1 billion in assets and $34.7 billion in revenues n Ranked 84 on the Fortune 100 n Third-largest P&C insurer in the U.S.* *Based on 2011 net written premium Our Steady Earnings Growth Commitment to Excellence Liberty Mutual offers superior products and services, and we continually work to improve our programs to meet our customers’ evolving needs. We’re proud to know that our enduring commitment to expert advice, caring service, and quality coverage has earned the loyalty of our customers. Customer Satisfaction According to a Liberty Mutual customer survey in 2011: n 94% of our customers intend to repurchase insurance with Liberty Mutual n 91% of our customers would recommend us n 94% of our customers profess overall satisfaction with Liberty Mutual n 96% of our customers are satisfied with the work of our sales agents Fair and Personalized Claims Handling We provide efficient, fair claims handling, as well as a broad range of services and caring support to meet the individual needs of our customers. n 24-Hour Claims Assistance online or via a national toll-free hotline, or on a mobile device n 49 Claims Centers nationwide n Many claims handled in just one call or within 72 hours n Catastrophe Rapid Response Unit for storms and natural disasters n 4,162 claims staff with an average 10.8 years of experience (as of June 2011) “Liberty Mutual clearly demonstrated they’re a company focused on the customer. It’s not about the advertisements or the slogans, but when you have a claim they’re serious about making you happy as a customer.” Marc, Basking Ridge, NJ—Auto Claim Liberty Mutual is the #1 sponsored auto and home insurance program in the country With nearly 40 years of specialization in this market, we are endorsed by more than 13,500 organizations, including employer groups and alumni and professional associations. We currently partner with eight out of every ten alumni associations that offer personal lines insurance programs, and year after year, 99% of our affinity partners stay with us. Liberty Mutual stands apart from the competition because we are the only carrier to offer multichannel distribution with three convenient enrollment options. Our customers can consult with a local agent at one of our 360+ offices countrywide or choose to enroll through the Internet or one of our national call centers. Whatever the option, we deliver the highest level of personalized service. * 07 08 10
  5. 5. SAMPLE #2 CLIENT: Liberty Mutual Insurance DELIVERABLE: Product Portfolio Note: I was lead writer on this most important marketing communications sales tool, working with the agency of record, art director, and product teams over the course of several months.
  6. 6. Your protection See insurance in a whole new light™ PER1 2014/09 SR FPO
  7. 7. Your car See insurance in a whole new light™ Name, CREDENTIALS Title line Department Email line Liberty Mutual Insurance Street or PO Box address Mail Stop City, State, Zip Phone 1 Phone 2 LibertyMutual.com Auto Home Life Condo Renters Motorcycle Umbrella Liberty Mutual provides customized coverage, expert advice, and personalized service at a price that meets your needs.Liberty Mutual Insurance has been helping people live safer, more secure lives for more than 100 years. With operations in all 50 states, we are a leading provider of auto, home, life, condo, renters, motorcycle, and umbrella insurance. ®
  8. 8. Your car See insurance in a whole new light™ Discounts are available where state laws and regulations allow, are subject to eligibility requirements and may vary by state. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. FPO MORE SAVINGS OPPORTUNITIES FOR YOU Ask our licensed Sales Representatives about our suite of special discounts tailored to the way you live today. • Vehicle Safety Features • Military • New to Liberty Mutual Vehicle • Hybrid Vehicle • Preferred Payment Methods • Early Shopper • New Move • New Teen Driver • Newly Married or Retired • teenSMART® Driving Course • New Graduate • Paperless • Good Student Discounts That Keep Pace With Your Life Exclusive Group Savings We partner with more than 14,500 employers, and alumni and professional associations to offer special savings to their employees and members. Multi-Car Discount Our Multi-Car Discount ensures you receive the best value and minimizes the hassle of managing your auto insurance. Multi-Policy Discount If you combine your auto insurance with another Liberty Mutual Insurance policy, such as Home, Life, Condo, Renters, Umbrella, or Annuity, you’ll get comprehensive protection and additional savings that reflect how much we value you as our customer. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. PER 2 2014/12 For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today. • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on:
  9. 9. The descriptions of coverages and benefits are necessarily brief and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a Sales Representative. 1 Accident Forgiveness coverage is subject to terms and conditions of Liberty Mutual’s underwriting guidelines. Not available in CA and may vary by state. 2 Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Not available in NC or WY. 3 Optional coverage. Deductible applies. Applies to a covered total loss. Does not apply to leased vehicles and motorcycles. Not available NC. 4 With purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Other Than Collision coverage. 5 Daily limits apply. Not available in NY. 6 Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility. Loss must be covered by your policy. Not available in AK. 7 Credit card fees apply and may vary by state. WHEN YOU HAVE A BREAKDOWN OR AN ACCIDENT Accident Forgiveness We won’t raise your price after your first accident if your driving record has been accident-free and violation-free for five years—whether you’ve been with us or another insurance carrier. If you qualify, this benefit comes at no extra cost.1 New Car Replacement This is a standard feature on all our policies. If your new car is totaled in the first year, you’ll get the money for a brand new car, not just the depreciated value.2 Better Car Replacement™ With this exclusive optional coverage, if you total your car, we’ll give you the money for a vehicle that is one model year newer and has 15,000 fewer miles.3 24-Hour Roadside Assistance Coverage From a jump start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again.4 Unlimited Rental Coverage With this optional coverage, we’ll arrange and pay for your car rental costs for as long as it takes to fix your vehicle at a Liberty Mutual-approved repair shop.5 WHEN YOU HAVE A CLAIM 24-Hour Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 800-CLAIMS or go online at LibertyMutual.com/Claims anytime. Fast Appraisals We’ll arrange to have your car appraised fast, so you can get back on the road as quickly as possible. Guaranteed Repair Network Your car repairs are 100% guaranteed by Liberty Mutual at all participating repair shops nationwide for as long as you own your vehicle. And we’ll even make all the arrangements for you.6 WHEN YOU’RE MANAGING YOUR POLICY Convenient Service Have a policy or billing question, or need to make a change? Our Customer Service Representatives are ready to assist you on weekdays and during the evenings as well. Flexible Payment Options We’re committed to making billing easy and hassle-free. Have your payments deducted automatically from your checking or savings account, or pay by credit card.7 You can also choose whether to pay monthly, quarterly, or in one lump sum. PROTECTING YOURSELF Liability If someone is hurt or property is damaged in an accident, we’ll pay for covered damages and your court costs if you are sued. Medical Payments Protection We’ll cover accident-related medical expenses up to the policy limits for anyone injured while in your car, regardless of who is at fault. Uninsured/ Underinsured Motorists If you’re in an accident caused by someone who has minimal or no insurance, we’ll protect you and any passengers in your vehicle. PROTECTING YOUR CAR Collision Collision coverage is designed to protect you if your car rolls over, or hits another vehicle or object. Other Than Collision You may add this coverage, sometimes referred to as “Comprehensive,” in case your car is stolen, damaged by vandalism, fire, or severe weather events, such as windstorms, hail, or earthquakes. Mechanical Parts Replacement Car parts—no matter how old—damaged in an accident are fully covered. Guaranteed Windshield and Glass Repairs When you have Other Than Collision or Glass coverage, we’ll arrange for service at your home or any other convenient location to fix or replace damaged glass in your car—and we guarantee a quality repair or replacement. There For You When You Need Us Auto Protection You Can Depend On Our standard coverage provides a range of options—from collision to liability—with a variety of limits tailored to your budget. We also offer additional selections you can add on to enhance your protection. Your car is at the center of your life. Whether you’re dropping your kids off at school, getting to that important meeting, or enjoying a weekend drive, your car helps you get things done. That’s why you need car insurance that fully protects you, your passengers, and your vehicle. With Liberty Mutual you can choose from flexible options that allow you to customize your protection to match your specific needs. Choosing the right coverage is easy when you have all the information, advice, and tools at your fingertips. And should you have an accident, we promise to get you back on the road in no time. So you can move forward with your life. You’ve chosen your car carefully. Let us help you choose the protection it deserves.
  10. 10. Liberty Mutual Renters Insurance Your landlord likely has insurance to protect your building, but did you know that policy will not protect your personal belongings? And in the event of a theft or apartment fire, you could spend thousands of dollars to replace the prized possessions you worked so hard for. For as little as about $20/month, you can protect your valuables against theft, fire, water damage, and more with Liberty Mutual Renters Insurance. And you get protection beyond your possessions. You also get liability coverage that protects you in the event your actions cause injury to others or damage to their property. 15PER7_Renters_SellSheet_FNL.indd 2 3/26/15 2:02 PM
  11. 11. The descriptions of coverages and benefits are necessarily brief, and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a Sales Representative. 1 Depending on the tort alleged. 2 May not apply in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance PER 7 2015/03 Protection Wherever You Are Liberty Mutual Renters Insurance doesn’t stop when you leave your home. Your personal property is covered: In Your Car Even though you hid your electronics and locked up your snowboard, both are stolen. Don’t worry, you’re covered. On Vacation Sprinklers go off in your hotel room, ruining your camera and laptop. Those are covered, too. Down the Street You ride over to a friend’s apartment and chain up your bike, only to find it missing an hour later. Liberty Mutual Renters insurance covers that theft. On the Go Move to a new place, and your policy will protect your personal belongings 30 days from the day you start moving. In Your Place If a kitchen fire in your neighbor’s apartment causes smoke damage throughout the building, Liberty Mutual will cover your items in need of cleaning or replacement. Protection Beyond Your Possessions Liberty Mutual Renters Insurance also covers you if you accidentally damage someone else’s property, or if someone sues you for an injury in your apartment. Don’t think it could happen? Consider these scenarios: What happens if your bathtub overflows and water seeps into the apartment below, damaging your neighbor’s furniture and rug? Or say you sold your coffee table online, and the guy who picked it up tripped on your rug and broke his ankle? Liberty Mutual will cover the damage up to your liability limits. If he files a claim against you, Liberty Mutual will provide a defense up to your liability and medical payment limits.1 Rewarding You With Savings Exclusive Group Savings We partner with more than 14,500 employers, alumni and professional associations to offer special savings to their employees and members. Multi-Policy Discount Do you insure your car with Liberty Mutual Insurance? If you do, you may qualify for a discount on your renters policy. Claims-Free Savings You’ll save on your new renters policy if you have not filed a claim with your previous insurance carrier for five years or more.2 24/7 Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Home Gallery App® The Liberty Mutual Home Gallery App makes cataloging your belongings easy. And in case of a loss or theft, having a home inventory is essential. The app is a must-have for renters, and is available to anyone, whether or not you are a Liberty Mutual customer. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. FPO About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: For a free coverage review and a no-obligation quote, contact your local Liberty Mutual Representative today. 15PER7_Renters_SellSheet_FNL.indd 3 3/26/15 2:02 PM
  12. 12. Liberty Mutual Motorcycle Insurance You’re passionate about your ride. Let us help you choose the protection it deserves. There’s nothing like that feeling of confidence when you’re out on the open road. We’re here to give you confidence that you can get back out on the road quickly if something unexpected happens. If you have an accident, phone us 24/7 to get the claims process rolling immediately. And if your bike ever breaks down or gets a flat, we’ll be there for you with our optional 24-Hour Roadside Assistance coverage. We offer exceptional coverage options and rates that are guaranteed for 12 months. In addition, we honor bikers that ride safe and take care of their bikes with substantial savings. 15PER8_Motorcycle_SellSheet_FNL2.indd 1 4/15/15 12:08 PM
  13. 13. Motorcycle Insurance You Can Depend On Protecting Yourself: • Liability: If someone is hurt or property is damaged in an accident, we’ll pay for covered damages and your court costs if you are sued. • Medical Payments: We’ll cover accident-related medical expenses up to the policy limits for anyone injured while on your motorcycle, regardless of who is at fault. • Uninsured/Underinsured: If you’re in an accident caused by someone who has minimal or no insurance, we’ll protect you and any passengers on your motorcycle. • Collision: Collision coverage is designed to protect you if your motorcycle rolls over, or hits another vehicle or object. • Other Than Collision: You may add this coverage, sometimes referred to as “Comprehensive,” in case your motorcycle is stolen; damaged by vandalism; fire; or severe weather events, such as windstorms, hail, or earthquakes. More Coverage for You and Your Bike Better Bike Replacement™: Our exclusive Better Bike Replacement is an optional coverage. If you total your bike, we’ll give you the money for a motorcycle that is one model-year newer, with 2,500 fewer miles on it.1 24-Hour Roadside Assistance: If your motorcycle ever breaks down, we won’t leave you stranded. From a jump start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.2 Customized Equipment Coverage: Your motorcycle is a reflection of you. Customized Equipment Coverage will allow you to make your bike your own, with additional coverage for saddle bags, chrome, helmet, fairings, and custom paint.3 Rewarding You With Savings Exclusive Group Savings: Save if you belong to one of the more than 14,500 Liberty Mutual Insurance member groups, including employers, alumni associations, and professional associations. • Multi-Policy Discount • Multi-Bike Discount • Safety Course Discount • Experienced Rider Discount 24/7 Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. 1 Optional Coverage. Deductible Applies. Does not apply to leased motorcycles. 2 This coverage requires purchase of Towing and Labor coverage and is subject to applicable limits. 3 Optional coverage. Requires the purchase of collision or comprehensive coverage. Deductible applies. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO PER 8 2015/04 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today. 15PER8_Motorcycle_SellSheet_FNL2.indd 2 4/15/15 12:08 PM
  14. 14. Liberty Mutual Identity Fraud Expense Coverage Your identity is your life. Protect yours for as little as 7 cents a day. Identity theft is one of the fastest-growing crimes in the United States. Each year, millions of victims lose thousands of dollars and hundreds of hours trying to restore their identities. At Liberty Mutual Insurance, we realize that it’s not just your finances that are put in jeopardy. With our Identity Fraud Expense Coverage,1 which can be added to your home, condo, or renters policy, we reimburse expenses and provide a counselor to help you recover the identity you’ve worked a lifetime to build. We also provide a year of credit monitoring to help ensure it doesn’t happen again. 15PER9_IdentityFraud_SellSheet_FNL.indd 1 3/5/15 7:23 AM
  15. 15. We Cover Expenses To Help Restore Your Identity For an average of just 7 cents a day, Liberty Mutual’s Identity Fraud Expense Coverage provides up to $15,000 per occurrence and $30,000 per policy period2 to cover certain expenses incurred when recovering your identity, including: • Approved, reasonable attorney fees that alone can cost thousands of dollars. • Employer-documented lost wages for time away from work to attend meetings with attorneys and other law officials.3 • Loan application fees accrued if you reapply for a loan that was rejected because of identity fraud. • Notary costs required for official documents. • Mailing costs, such as certified mail to law enforcement agencies and financial institutions. Get Expert Assistance With Every Step Restoring your identity and credit can be daunting. The experienced counselors at our Identity Fraud Crisis Resolution Center guide you step by step throughout the entire process. They will: • Serve as the liaison between you and your creditors. • Immediately notify the three national credit bureaus: TransUnion, Equifax, and Experian. • Obtain a 3-in-1 credit report from each bureau. • Provide a year of credit monitoring from the date of the first report. • Educate you on ways to prevent identity theft from recurring: Breach Assist, Phish Assist, Social Media Compromise Assist, Email Compromise & System Protection Guidance, Assisted Living Fraud Support. 24/7 Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. 1 The description of coverages and benefits are necessarily brief and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. Coverage and programs vary by state, and are not available in all states. For a complete explanation of coverages, please consult a Sales Representative. 2 Optional coverage. Deductible applies. Subject to terms and conditions provided in your policy. 3 Coverage limit for employer-documented lost wages is $500/week for a maximum of four weeks. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO PER 9 2015/03 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today. 15PER9_IdentityFraud_SellSheet_FNL.indd 2 3/5/15 7:23 AM
  16. 16. Where your condo association coverage stops, Liberty Mutual’s begins. As a condominium owner, you’re in a unique situation. Certain common areas of your building are likely covered by your association’s insurance policy, but that may leave the interior of your unit, your personal possessions, and personal liability vulnerable. With Liberty Mutual Condominium Insurance, you can ensure you have no policy gaps and your personal belongings are fully protected. And you get protection beyond your possessions. With Liberty Mutual Condominium Insurance, you also get liability coverage that protects you in the event your actions cause injury to others or damage to their property. Above all, we’ll provide affordable coverage and the personal assistance you need to choose the protection that is right for you. Liberty Mutual Condominium Insurance
  17. 17. The descriptions of coverages and benefits are necessarily brief and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a Sales Representative. 1 Windstorm coverage is not available in all areas. 2 In some states, only available to customers who have been loss-free for five years at the time of purchase. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance PER 10 2015/03 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: Protecting you and your home If your condo is damaged, you’ll be covered for: • Alterations, appliances and fixtures, and improvements that are part of the building in the unit where you reside • Property for which you are responsible under your condo association agreement Your personal belongings A Liberty Mutual condo policy also protects your personal property—wherever you are, whether at home or on the road, anywhere in the world—against many causes of loss including but not limited to: • Fire, including smoke damage • Windstorms,1 lightning, hail, ice, snow, or sleet • Theft, vandalism, and malicious mischief • Damage caused by burst pipes • Loss, due to theft or covered accident, while on vacation Your personal liability Your policy provides the following coverage: • Accidental bodily injury caused by you, your immediate family living in your home, and even your pets • Lawsuits filed against you seeking covered damages • Accidental damage you cause to someone’s property • Medical bills for someone, other than you or any of your immediate family members living in your home, who has been in an accident on your property. • Optional loss assessment, in the event your condo association assesses a portion of a covered loss to each owner Rewarding you with savings • Exclusive Group Savings We partner with more than 14,500 employers, alumni and professional associations to offer special savings to their employees and members. • Multi-Policy Discount Do you insure your car with Liberty Mutual? If you do, you may qualify for a discount on your condo policy. • Protective Devices Discount If your condo has smoke alarms, dead bolts, fire extinguishers, fire alarms, burglar alarms, or sprinklers, you may qualify for this discount. • Safe Homeowner Program Discount  Receive savings of up to 15% when you maintain a loss-free record for three years.2 24/7 Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today.
  18. 18. Liberty Mutual Boat Insurance Whether you’re fishing, waterskiing, or just doing nothing and feeling good about it, boating is central to enjoying your friends and family. Let us help you choose the protection your boat deserves—because it’s more than just a boat, it’s a way of life. We can help you insure your boat or watercraft with the right liability and damage coverages to protect you and your passengers. With Liberty Mutual, your boat is insured on water and on land; boat, motor, and trailer are all covered, and coverage for liability lawsuits and medical payments can be included. You’ll be able to relax and enjoy the open water, knowing you have the right coverage at a fair price.
  19. 19. Watercraft Insurance You Can Depend On Protecting you and your boat. Whether it’s a sailboat, powerboat, or fishing boat, we offer customized coverage, including: • Physical damage coverage • Boat trailer and miscellaneous equipment coverage, including anchors, oars, cushions, life preservers, fire extinguishers, tarpaulins, lights, fuel containers, and horns • Personal liability coverage for damages you cause — and payment of your legal defense costs in lawsuits • Optional emergency service coverage that pays for towing to the nearest port For Larger Boats, Our Yacht Policy Offers: • Personal property coverage • Hull coverage, which includes the hull, spars, sails, machinery, furniture, and fittings • Medical payments coverage for those injured on your boat • U.S. Longshore and Harbor Workers’ Compensation coverage • Expanded coverages, including uninsured boat coverage, trailer coverage, and emergency service coverage Rewarding You With Savings We provide you with the right coverages and services at a price that meets your needs. The following discounts and credits offer valuable money-saving opportunities: • Discount for members of the U.S. Coast Guard Auxiliary or U.S. Power Squadron • Discount for boaters who have completed a qualifying seamanship course • Credit on yacht policies for experienced boaters and sailors For tips on boating safety and additional resources, visit www.uscgboating.org. 24/7 Claims Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. The description of coverages and benefits are necessarily brief and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. Coverage and programs vary by state, and are not available in all states. For a complete explanation of coverages, please consult a Sales Representative. Optional coverage. Deductible applies. Subject to terms and conditions provided in your policy. Coverage limit for employer-documented lost wages is $500/week for a maximum of four weeks. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance PER 11 2015/03 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today.
  20. 20. Liberty Mutual Personal Umbrella Coverage For an average of about $1 a day, you could enjoy the added coverage of $1 million of liability protection.1 The unexpected can happen to anyone. A repairman slips on your stairway while exiting. Your teenage son causes an accident involving a motorcyclist. A friend’s child is injured during a playdate at your house. In today’s society, where lawsuits are increasingly common, a personal umbrella policy can help protect your assets and prevent financial hardship. Personal umbrella coverage picks up where auto and home coverage leave off, helping you safeguard the things you’ve worked so hard for. 15PER12_PLP-Umbrella_SellSheet_FNL.indd 1 3/5/15 7:32 AM
  21. 21. Easy and Affordable Way to Protect Your Family For an average of about $1 a day, you could get additional protection to safeguard your property, your assets, and even your future earnings. With personal umbrella insurance, you receive2 : • $1 million in coverage, with higher limits available. • Additional liability coverage over the limits of your auto, home, or recreational vehicle policy. • Protection from liability claims not normally covered under your home policy, such as libel or slander. • Payment of defense costs, attorney fees, and other expenses associated with a lawsuit, even if it is frivolous or groundless. • Coverage for you and residents of your household3 insured under the policy. 24-Hour Claim Assistance Our dedicated team is always available to give you all the attention your claim demands. Call 1-800-2CLAIMS, or go online at LibertyMutual.com/Claims anytime. Discounts That Save You Money Multi-Policy Discount If you have more than one policy with us, you get additional protection and additional savings. That’s the benefit of purchasing an umbrella policy with another Liberty Mutual Insurance policy, including auto, home, or life. Good Student Discount If your current auto policy has a Good Student Discount, you can get additional savings on your umbrella coverage. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. Personal umbrella coverage is also known and referenced as Personal Liability Protection. 1 Rates may vary by state, and applicants are individually underwritten. Premiums may vary. 2 The descriptions of coverages and benefits are necessarily brief, and are subject to policy provisions, limits, deductibles, and exclusions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of the policy prevail. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult one of our Sales Representatives. 3 “Residents” of your household are defined in your policy. Please consult your local Sales Representative for details. 4 Minimum liability limit requirements are established by Liberty Mutual and may vary by state. Please consult your local Sales Representative for more information. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO PER 12 2015/03 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: Qualifications and Exclusions: A Liberty Mutual Auto Insurance policy with a minimum liability limit4 is required to purchase a personal umbrella policy. Your home or boat policy does not have to be with Liberty Mutual Insurance, but minimum liability limits for those policies will apply. Like most insurance policies, a personal umbrella policy has certain exclusions such as malpractice lawsuits, workers’ compensation, and damage intentionally caused by the insured. For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today. 15PER12_PLP-Umbrella_SellSheet_FNL.indd 2 3/5/15 7:32 AM
  22. 22. Your Flood Protection A flood doesn’t need to make national headlines to feel like a disaster. Consider this scenario: you’re away on a much-needed vacation. While you’re traveling, a warm rain causes snow to melt, inundating your neighbor’s yard and yours with surface water, which seeps into your first floor and furnace. You come home to a flooded, cold house. These mini-floods happen more often than you think. In fact, 20% of all flood claims come from homes outside of high-risk areas, according to the National Flood Insurance Program. The good news? We can help you choose the protection that’s right for you.
  23. 23. Flooding is the nation’s No. 1 natural disaster. Floods are caused by torrential downpours, melting snow, overflowing levees, tropical storms, and even inadequate drainage systems. As infrastructure springs up where forests and other open spaces once were, the land is losing its natural ability to absorb water—and floods are occurring in more places and becoming more severe. You can protect yourself with flood insurance if your community participates in the National Flood Insurance Program (NFIP). More than 21,000 communities across the country participate in the NFIP. Why do I need flood insurance? In some cases, flood insurance is mandated if you live in a special flood hazard area (SFHA) and your mortgage is federally insured. However, approximately 20% of flood claims occur outside SFHAs. Does my homeowners insurance cover flood damage? Flood insurance must be purchased as a separate policy because standard homeowners insurance policies do not cover flood damage. Still not convinced you need flood insurance? Assess your flood risk at floodsmart.gov and see for yourself! What types of losses are covered by a flood insurance policy? • Direct physical losses caused by floods • Losses resulting from flood-related erosion caused by strong, abnormally high waves or currents of water activity, severe storm, flash flood, or abnormal tidal surge. • Damage caused by mudslides as specifically defined in the policy forms Doesn’t federal disaster assistance pay for flood damage? Federal disaster assistance is only available if the President of the United States declares a disaster. Even when a disaster is declared, government assistance is provided as a loan that you must pay back with interest. Flood insurance, however, will cover damages even if a disaster is not declared. How much coverage do I receive? NFIP offers up to $250,000 in coverage for your home and up to $100,000 for its contents. Is flood insurance affordable? Flood insurance is more affordable than you might expect. Contact your Liberty Mutual Representative, who can work with you to explain your options and help you select the right coverage for you and your budget. You can also visit FEMA’s website at www.fema. gov/nfip/ for a chart of estimated premiums and additional information. Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. Liberty Mutual Insurance provides fl ood insurance policies through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA), Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance PER 13 2015/03 About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. To help meet all your needs, we offer a full portfolio of insurance products, including: • auto • home • life • personal liability protection (umbrella) • motorcycle • condo • renters • watercraft • identity fraud expense coverage • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier You can find us on: Additional Resources: http://www.fema.gov/ | https://www.floodsmart.gov For a free coverage review and a no-obligation quote, contact your local Liberty Mutual Representative today. FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO
  24. 24. Liberty Mutual Insurance: There When You Need Us Most Customer Service Have a policy or billing question, or need to change your policy? You can call our Customer Service Representatives for expert help from 8:00 a.m. to 6:00 p.m. EST, Monday through Friday. Flexible Payment Options We are committed to making billing easy and hassle-free. Choose to have premiums deducted automatically from your checking or savings account, pay online, or receive paper bills. Easily Accessible Information Learn more about life insurance on our website (LibertyMutual.com), where you will find helpful tools and resources. Your local Liberty Mutual Insurance Sales Representative is also happy to assist you in person. Life insurance and annuity products are issued by Liberty Life Assurance Company of Boston, a Liberty Mutual company. Home Office: Boston, MA Service Center: Dover, NH ©2015 Liberty Mutual Insurance About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. FPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPOFPO PER 4 2015/02 Our Personalized Approach At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life. • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings Liberty Mutual App Home Gallery App™ Our Mobile Apps Make Things Even Easier You can find us on: For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today.
  25. 25. Your life See insurance in a whole new light™
  26. 26. One of the few certainties in life is that there will be many twists and turns. Whether it’s a new home, a new child, or a change in health, your needs will evolve. It’s unavoidable. That’s why Liberty Life Assurance Company of Boston is here to help. Whether you’re looking for the affordability of term insurance, the guaranteed protection of permanent insurance, or a combination of the two, we have a plan that’s right for you. Best of all, a knowledgeable representative can help you make sense of your options, so the people who depend on you financially are fully protected...no matter where you are in life. Life changes all the time. Let us help you choose the protection that’s right for you—for today and tomorrow. We’ve Got You Covered Every Step of the Way A Life Insurance Policy from Liberty Life Assurance Company of Boston protects you and your loved ones at every change in life. Here are several ways life insurance can help you. You rent or have a mortgage. A mortgage or rent payment is typically a family’s largest financial obligation. Having adequate life insurance could help your family stay right where they are—at home—at a time of emotional stress. You just got married. Your marriage may also mean a shared mortgage, new bills, and a lifestyle neither of you could support on your own. Life insurance can help your spouse manage financially if something happens to you. You have children. Life insurance is especially important if your family relies on two incomes to provide for your children, or if you’re a single parent managing most expenses on your own. You’re planning for college. A life insurance policy can help ensure funding for your child’s education if you die prematurely. You just changed jobs. As your income changes, so does your earning power. We’ll do an annual review of your coverage to make sure it’s keeping up with your income and your family’s needs. And if you have life insurance at your place of employment, we’ll ensure there are no coverage gaps. You own a small business. If something happens to a key stakeholder, life insurance can help fund a buy-sell agreement enabling the remaining owners to buy out your company interest from your heirs. It can also help provide the financial ability to replace a key employee in the event of the employee’s death. You’re thinking about retirement. Certain life insurance policies may have cash values available to supplement your retirement. You may also choose a fixed deferred annuity to help you accumulate funds for your retirement in a stable way. You’re planning your legacy. Life insurance passes income tax- free under current law to your named beneficiaries. Certain types of insurance, like single payment whole life, are ideal for wealth transfer. With them, your single payment increases in value as soon as you purchase the policy, resulting in a death benefit that’s larger than the original payment.
  27. 27. Life insurance is issued by Liberty Life Assurance Company of Boston, a Liberty Mutual company. Home office: Boston, Mass. Service center: Dover, N.H. TERM FLEXIBLE PERMANENT Advantages • Guaranteed protection at an affordable price • Simplified issue available • Flexibility to adjust your level of coverage and premiums • Permanent, universal-life protection • Builds cash value • Guaranteed, whole-life protection • Premiums remain level throughout your lifetime • Builds cash value • Simplified issue available Death Benefit Guaranteed for the term of your policy Guaranteed as long as certain conditions are met Guaranteed for your entire life Premiums Remain level throughout term of policy Flexible Remain level throughout your lifetime Cash Value No Yes Yes Access to Your Cash No Yes, through policy loans and withdrawals Yes, through policy loans and withdrawals Things to Consider Coverage will cease at the end of the term Growth potential is based on market performance, which means there’s more risk than with term or whole life insurance • Higher premiums than term insurance • Premiums and death benefit are not flexible Why? Covers short- term needs at an affordable price Covers long-term needs at a moderate price Covers long-term needs with strong guarantees at a higher price Three Options to Choose From We can help you determine which type of life insurance best fits your needs and budget.
  28. 28. SAMPLE #3 CLIENT: Liberty Mutual Insurance DELIVERABLE: Product Portfolio All-in-One Brochure Note: This brochure is the abbreviated version of the Product Portfolio, the collateral most used by the sales force.
  29. 29. Liberty Mutual: There When You Need Us Most Convenient Customer Service Have a policy or customer service question, or need to make a change? Our Customer Service Representatives are ready to assist you on weekends and during the evenings, as well. Flexible Payment Options We are committed to making billing easy and hassle-free. Have your payments deducted automatically from your checking or savings account, or pay by credit card. You can also choose whether to pay monthly, quarterly, or in one lump sum. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston, MA. ©2015 Liberty Mutual Insurance PER 5 2015/05 FPO • Pay your bill • Update your policy • Report, track, and manage your claims • Catalog your belongings You can find us on: Liberty Mutual App Home Gallery App® Our Mobile Apps Make Things Even Easier About Us We’ve been in the business of helping people live safer, more secure lives for more than 100 years. As a leading provider of auto, home, and life insurance, we operate in all 50 states and are among the Fortune 100 largest U.S. corporations. Your car, home, life, and more For a free coverage review and a no-obligation quote, contact your local Liberty Mutual representative today.
  30. 30. You’ve worked hard for what you have. Your car is at the center of your life. Your home is your sanctuary. And your life is your most important asset of all. With Liberty Mutual Insurance, you’ll get flexible coverage options that allow you to customize your protection to match your specific needs. And choosing the right coverage is easy when you have all the information, advice, and tools at your fingertips. Our representatives are available to explain your options in clear terms and help you choose what’s best for you and your family, no matter where you are in life, whether you need to protect your car, home, life, boat, condo, identity, or more. And in the event you do have a loss or damage, our Claims Assistance team will be there 24/7 to handle all the details and process payments quickly so you can focus on what matters most. Helping you protect what matters most. At Liberty Mutual, we are committed to helping you find the right policy coverage that meets your specific needs. Our licensed Sales Representatives take the time to get to know you, and will consult with you to explain your options clearly and recommend coverage that ensures you are properly protected, no matter where you are in life.
  31. 31. You’ve chosen your car carefully. Let us help you choose the coverage it deserves. Whether you’re dropping your kids off at school, getting to that important meeting, or enjoying a weekend drive, your car helps you get things done. That’s why you need car insurance that fully protects you, your passengers, and your vehicle. And should you have an accident, we promise to get you back on the road in no time. So you can move forward with your life. 1 For qualified customers, Accident Forgiveness is subject to terms and conditions of Liberty Mutual's underwriting guidelines. Not available in CA and may vary by state. 2 Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Not available in NC or WY. 3 Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles and motorcycles. Not available in NC. 4 With the purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Other Than Collision coverage. 5 Daily limits apply. Not available in NY. 6 Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility. Loss must be covered by your policy. Not available in AK. 7 Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. AUTO INSURANCE Let Liberty Mutual help you choose coverage that fits your needs. Protecting Yourself • Liability • Medical Payments Protection • Uninsured/Underinsured Motorists Protecting Your Car • Collision • Other Than Collision • Mechanical Parts Replacement • Guaranteed Windshield and Glass Repairs When You Have A Breakdown Or An Accident • Accident Forgiveness1 • New Car Replacement2 • Better Car Replacement™3 • 24-Hour Roadside Assistance Coverage4 • Unlimited Rental Coverage5 When You Have A Claim • 24-Hour Claims Assistance • Fast Appraisals • Guaranteed Repair Network6 Discounts That Keep Pace With Your Life • Exclusive Group Savings. Save if you belong to one of the more than 14,500 Liberty Mutual Insurance member groups, including employers, alumni associations, and professional associations.7 • Multi-Car Discount • Multi-Policy Discount • Vehicle Safety Features Discount • Good Student Discount, and more To learn more or find out what discounts you qualify for, contact your local Liberty Mutual Sales Representative.
  32. 32. 1 Not available in all areas. 2 Optional coverage. Subject to applicable deductible, policy terms, and conditions. Not available in all states. 3 Subject to eligibility requirements. 4 Coverage and deductible vary by state. 5 Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. HOME INSURANCE Your home is your sanctuary. Let us help you choose the best protection for your lifestyle. Cooking a meal, watching the big game, or simply curling up on the couch—your home is where you’re most comfortable. That’s why you need home insurance that fully protects you, your family, and all your belongings. And if you do have a loss or damage, our Claims Representatives are available round the clock to handle all the details and process your payment as quickly as possible. So you can get back to enjoying your home. Let Liberty Mutual help you choose coverage that fits your needs. Base Policy Protection Your Home We’ll protect your home against losses from events such as smoke, fire, or lightning; weight of ice, snow, or sleet; windstorms1 ; hail; theft or vandalism; and more. Your Possessions If your personal possessions— including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Your Liability We’ll defend you when someone else makes a claim against you for accidentally causing a loss—for example, someone is hurt in your yard, or you damage property at someone else’s home. Additional Coverage Options • Home Protector Plus™2 • Loss Forgiveness3 • Extra Coverage for Your Valuables • Home Computer and Smartphone Coverage4 When Your Property Is Damaged or Stolen • 24-Hour Emergency Repair Service • 24-Hour Claims Assistance • Contractor Network Referral Program • Personal Property Replacement Service • Mobile Customer Response Unit Discounts That Fit Your Lifestyle • Exclusive Group Savings. Save if you belong to one of more than 14,500 Liberty Mutual Insurance member groups, including employers, alumni associations, and professional associations.5 • Claims-Free Savings • Protective Devices Discount • Multi-Policy Discount • Newly Purchased Home Discount • New/Renovated Home Discount To learn more or find out what discounts you qualify for, contact your local Liberty Mutual Sales Representative.
  33. 33. LIFE INSURANCE Get the life protection that’s right for you— for today and tomorrow. One of the few certainties in life is that there will be many twists and turns. Whether it’s a new home, a new child, or a change in health, your needs will evolve. It’s unavoidable. That’s why Liberty Life Assurance Company of Boston is here to help. Whether you’re looking for the affordability of term insurance, the guaranteed protection of permanent insurance, or a combination of the two, we have a plan that’s right for you. Best of all, a knowledgeable representative can help you make sense of your options, so the people who depend on you financially are fully protected...no matter where you are in life. A Liberty Mutual Life Insurance Policy protects you and your loved ones at every stage of life. You Rent Or Have A Mortgage A mortgage or rent payment is typically a family’s largest financial obligation. Having adequate life insurance could help your family stay right where they are—at home—at a time of emotional stress. You Just Got Married Your marriage may also mean a shared mortgage, new bills, and a lifestyle neither of you could support on your own. Life insurance can help your spouse manage financially if something happens to you. You Have Children Life insurance is especially important if your family relies on two incomes to provide for your children, or if you’re a single parent managing most expenses on your own. You’re Planning For College A life insurance policy can help ensure funding for your child’s education if you die prematurely. You Just Changed Jobs We’ll do an annual review of your coverage to make sure it’s keeping up with your income and your family’s needs. And if you have life insurance at your place of employment, we’ll ensure there are no coverage gaps. You’re Thinking About Retirement Certain life insurance policies may have cash values available to supplement your retirement. You may also choose a fixed deferred annuity to help you accumulate funds for your retirement in a stable way. You’re Planning Your Legacy Life insurance passes income tax-free under current law to your named beneficiaries. Certain types of insurance, like single premium whole life, are ideal for wealth transfer. With them, your single payment increases in value as soon as you purchase the policy, resulting in a death benefit that’s larger than the original payment. To learn more about the different coverage options, and help you determine which type of insurance best fits your needs and budget, contact your local Liberty Mutual Sales Representative. Life insurance is issued by Liberty Life Assurance Company of Boston, a Liberty Mutual company. Home office: Boston, MA Service center: Dover, NH
  34. 34. More coverage options to fit your lifestyle. Liberty Mutual offers coverage for a wide variety of lifestyles. If you just bought a condo or are renting a new apartment, we can cover your possessions and liability. You may be looking for the extra protection of an umbrella or identity theft policy. You may be a biker looking for protection on the open road, or a boater who wants protection on the open water. Whatever your coverage needs are, our representatives are here to review your options and help find what’s best for you. MOTORCYCLE, CONDO, RENTERS, UMBRELLA, AND MORE 1 Accessory coverage is not available in all states. 2 With the purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Other Than Collision coverage. Let Liberty Mutual help you choose coverage that fits your needs. Identity Fraud Expense Coverage Reimburses you for certain expenses you incur to resolve an identity theft issue (e.g., attorney fees and lost wages due to time spent with lawyers). Motorcycle Insurance Covers your bike and its accessories1 from damage and theft, and protects you with liability, collision, other than collision, and uninsured/underinsured motorist coverages. We can also arrange a tow or on-the-spot repairs if you ever get into trouble on the road with our 24-Hour Roadside Assistance coverage.2 Condominium Insurance Protects your liability and personal possessions. Condominium insurance also covers alterations, appliances, and fixtures that may not be covered by your condo association. Renters Insurance Covers your possessions from theft, fire, and some types of water damage. And renters coverage doesn’t stop when you leave your home—your personal property is covered in your car, when you go on vacation, even when you’re moving. Personal Umbrella Insurance Personal umbrella coverage picks up where auto and home coverage leave off, helping you safeguard the things you’ve worked so hard for by protecting you from unforeseen liability claims. Watercraft Insurance Covers loss or damage to your boat, as well as provides liability coverage for bodily injury or property damage you may cause in an accident. To learn more about the different coverage options, and help determine which type of insurance best fits your needs and budget, contact your local Liberty Mutual Sales Representative.
  35. 35. SAMPLE #4 CLIENT: Liberty Mutual Insurance DELIVERABLE: Affinity Program Service Portfolio Note: This brochure is the primary sales tool for the company’s Affinity Voluntary Benefits Program.
  36. 36. A look at Liberty Mutual’s AUTO and HOME Voluntary Benefits program SpiroProposal_FINAL_FC.indd 1SpiroProposal_FINAL_FC.indd 1 9/9/08 5:02:16 PM9/9/08 5:02:16 PM
  37. 37. I’m always looking for ways to expand the offering that we provide to our employees at Oracle. The Liberty Mutual program has been an excellent addition and has expanded the comprehensive offering that we provide. RHONDA DAVIDSON SENIOR BENEFITS MANAGER, ORACLE CORPORATION You value your employees. They make you who you are. So why not reward them with a valuable money-saving benefit? At Liberty Mutual, we’ve got the answer—our AUTO and HOME Voluntary Benefits program. Through this program, your employees can receive exclusive group insurance discounts while your company enhances its benefits package—with no direct cost to you. And our program is hassle-free and easy to implement. The proven choice in voluntary benefits. Since 1970, Liberty Mutual’s AUTO and HOME Voluntary Benefits program has given employers a powerful tool to help attract and retain employees. Today, our AUTO and HOME Voluntary Benefits program is the most sponsored program in the industry, with more than 5,000 companies nationwide offering these benefits to their employees. It’s the only program that combines: ■ High customer satisfaction. 98% of our policyholders intend to repurchase insurance with Liberty Mutual and 97% would recommend us. ■ High-quality insurance from a company you know and trust. As one of the largest multiline insurance providers in the North American property and casualty industry, we can offer your employees a wide range of insurance programs, not to mention the peace of mind that comes with dealing with a Fortune 100 company. ■ On-site education. We’ll engage employees and help them make informed financial decisions with our on-site educational seminars. ■ Marketing support. We help you increase participation and awareness among your employees. We’ll even provide quarterly reports of results, helping you track participation. ■ Convenient enrollment. We’ll enroll your employees when and where it’s convenient for them—through two call centers, at more than 350 local offices, through a customized, co-branded website or during on-site visits from Liberty Mutual representatives. ■ Personal assistance and support. Your Liberty Mutual account team will help you manage and promote the program. Happy employees are better employees. FORYOU SpiroProposal_FINAL_Tab-Text.indd 1SpiroProposal_FINAL_Tab-Text.indd 1 9/4/08 8:17:46 PM9/4/08 8:17:46 PM
  38. 38. Enrolling is easy. We designed our program to reduce administrative burdens. When you choose Liberty Mutual, a dedicated account team will help manage our relationship. Your employees will receive personalized service from trained professionals in one of our 350 local sales offices. They can access us through the internet or call our toll-free direct response center, which is open Monday through Friday, 7am to 11pm ET, and on weekends. Our licensed insurance professionals review employees’ needs, explain the coverages available, and help them make cost and coverage comparisons. Most importantly, your employees initiate the enrollment process. There’s no pressure. It doesn’t cost you anything to offer Liberty Mutual’s AUTO and HOME Voluntary Benefits program to your employees, and there is no minimum participation level. Our experience shows that when we form solid partnerships with our clients, participation usually reaches 23% by the fifth year. We recommend offering payroll deduction1 to your employees. Payroll deduction is easy to implement—our billing specialists will work directly with your payroll department—and employees love the savings they receive. Your employees have no down payment and no billing fees. Once employees enroll, they’ll enjoy the convenience of automatic payroll deduction or checking account withdrawal—all with minimal monthly maintenance by the HR department and tailored to fit your existing payroll system. We can also direct-bill employees at their home addresses. We’re flexible. 1 For employer groups of 100+ employees. SpiroProposal_FINAL_Tab-Text.indd 2SpiroProposal_FINAL_Tab-Text.indd 2 9/4/08 8:17:53 PM9/4/08 8:17:53 PM
  39. 39. FOREMPLOYEES We’ve got them covered. WHAT THEY NEED LIBERTY MUTUAL DELIVERS Affordable insurance products ■ Auto Insurance ■ Homeowners Insurance ■ Personal Liability Protection ■ Condominium Insurance ■ Renters Insurance ■ Identity Fraud Expense Coverage ■ Motorcycle Insurance ■ Watercraft Insurance Savings ■ Up to 10% off by participating in this program, with an average savings of $327.961 ■ Many other discounts off our already competitive prices Convenience ■ Easy enrollment and a choice of payment options, including payroll deduction for no additional cost Personal attention ■ 24-Hour Claims Service ■ 24-Hour Emergency Roadside Assistance ■ 24-Hour Emergency Home Repair Service ■ 350 Local Offices ■ 2 Call Centers Education ■ Educational seminars and on-site events to keep your employees safe and help them make smart financial decisions With Liberty Mutual’s AUTO and HOME Voluntary Benefits program, we help to deliver superior insurance protection as well as exclusive savings and benefits to your employees—right in the workplace. We work hard to offer protection that lets your employees live their lives and concentrate on what matters most. When things go wrong, we’re there for them. And, just as important, we help them avoid accidents and damage in the first place. 1 Figure based on a February 2008 national sample of auto policy savings when comparing customers’ former premium with those of Liberty Mutual’s, when the policyholder is affiliated with a group that participates in the AUTO and HOME Voluntary Benefits program. Individual premiums and savings will vary. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify for insurance. Our employees feel that they are important to Liberty Mutual. This personal touch has been the key to the success of our auto and home voluntary benefits program. DREW MURPHY DIRECTOR OF BENEFITS, BROWN UNIVERSITY SpiroProposal_FINAL_Tab-Text.indd 3SpiroProposal_FINAL_Tab-Text.indd 3 9/4/08 8:18:02 PM9/4/08 8:18:02 PM
  40. 40. Savings they deserve. Your employees are eligible for an exclusive group discount on auto and home insurance and, by insuring with Liberty Mutual, they may also receive additional discounts.1 These discounts include: AUTO ■ Multi-Car ■ Passive Restraint ■ Antilock Brakes ■ Anti-Theft Device ■ Driver Training ■ Accident Prevention Course Credit ■ College Education HOME ■ Burglar Alarm ■ Fire Alarm ■ Insured to Value Credit ■ Inflation Protection Credit ■ Multi-Policy ■ Safe Homeowner ■ New/Renovated Home Credit No time? No problem! Each employee has his or her unique enrollment preferences. That’s why our AUTO and HOME Voluntary Benefits program lets employees enroll when and where they want. Choice of enrollment/service options ■ Local Sales Office ■ Call Center ■ Online ■ On-site visits from Liberty Mutual representatives Choice of payment options ■ Payroll Deduction ■ Electronic Funds Transfer (EFT) ■ Online ■ Direct Billing 1 Discounts are available where state laws and regulations allow, and may vary by state. Our employees really appreciate Liberty Mutual’s responsiveness, and I do as well. We find that Liberty Mutual representatives are cooperative, helpful and easy to work with. JOANN CHAPPIE CORPORATE BENEFITS ADMINISTRATOR, NORTON SAINT-GOBAIN CORPORATION SpiroProposal_FINAL_Tab-Text.indd 4SpiroProposal_FINAL_Tab-Text.indd 4 9/4/08 8:18:11 PM9/4/08 8:18:11 PM
  41. 41. Insurance they can count on. Your employees need insurance, but like anyone, they hope they’ll never need to use it. Should an accident happen, however, they’ll be glad they chose Liberty Mutual. With Liberty Mutual, customers get what they expect: immediate, courteous help with claims, and no hassles. Liberty Mutual also offers information to help prevent accidents, home fires and theft. Our complimentary Liberty Lines magazine, for example, describes the most common causes of household fires, tells customers which cars perform better in crashes, offers advice for new teen drivers and describes safer driving techniques. We work hard to offer protection that lets your employees live their lives and concentrate on what matters most. When things go wrong, we’re there for them. AUTO Mechanical Parts Replacement. We will fully cover the replacement of damaged parts—such as tires, mufflers or batteries—resulting from a covered loss, without depreciation. Car Windshield Repairs. We’ll arrange for service at a customer’s home, workplace or other convenient location if the customer’s windshield or other safety glass is damaged—and we guarantee a quality repair or replacement.* New Car Replacement. If a new car is declared a total loss, we’ll pay the cost to replace it, with no depreciation charged. We can even help our customers find their next vehicles.1 Unlimited Rental. We’ll provide unlimited days of rental coverage if a customer is in a covered accident, allows us to arrange the rental and chooses to have the car repaired at a Liberty Mutual-approved facility.* Towing and Labor. We’ll pay the entire charge to have the customer’s car towed if we’re allowed to arrange the tow. Otherwise, we’ll pay towing charges up to the policy limits. And if a tow is not required to get a customer back on the road, we’ll pay the labor charges for services such as changing a tire or bringing gas, up to the policy limits.* Accident Forgiveness. For maintaining a loss-free record with us for five years, a customer will have the surcharge waived for his or her first accident.2 New Customer Accident Forgiveness. For qualifying new customers, premiums will not increase after the first accident.2 HOME Extra Coverage for Your Valuables. This coverage protects certain high-value items such as jewelry, art or camera equipment.* Expanded Coverage. This coverage provides higher policy limits and additional benefits—including coverage that may be needed to rebuild customers’ homes; replace personal property, locks or refrigerator contents; or add higher limits for valuable possessions.3 * Temporary Living Expense. If a customer’s home is unlivable due to a covered loss, we’ll cover the additional expenses incurred for the customer to live elsewhere for up to 12 months. Loss Forgiveness. When customers maintain a loss-free record with us for five years, the surcharge for their first loss will be waived.4 *Optional coverage must be added to the customer’s auto or home policy. 1 Applies to a total loss under collision or comprehensive coverage. The car must be less than one year old, have fewer than 15,000 miles and have had no previous owner. This program does not apply to leased vehicles or motorcycles, nor is it available in all states. Deductible applies. 2 Forgiveness for first accident is not available in all states, and is subject to eligibility requirements. Please contact Liberty Mutual for details. 3 Not available in all states. 4 Forgiveness for a loss is not available in all states, and is subject to eligibility requirements. Please contact Liberty Mutual for details. The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative. SpiroProposal_FINAL_NoTab-Text.indd 5SpiroProposal_FINAL_NoTab-Text.indd 5 8/27/08 3:42:04 PM8/27/08 3:42:04 PM
  42. 42. Service they can count on. We pride ourselves on our range of services, including: ■ On-Site Support. At your request, our representatives will visit your workplace to help employees understand their insurance options and needs. ■ Convenient Local Offices. Employees can visit any one of our 350 offices throughout the U.S. ■ Two Call Centers. Staffed with over 400 licensed insurance representatives. ■ After-Hours Policy Services. Customers can call our customer service representatives for expert help with questions regarding their policies and billing after normal business hours and on weekends. ■ 24-Hour Claims Assistance. Customers can call or go online, any time! ■ 24-Hour Emergency Roadside Assistance. We’ll arrange for emergency help any time, anywhere in the U.S. or Canada. The arrangements are free, and if a customer has our Towing and Labor coverage, services provided will be free of charge as well. ■ Fast Appraisals. Our customers enjoy quick appraisals, and if they choose to have their cars both appraised and repaired with one stop at a Liberty Mutual-approved repair facility, we’ll even wash their cars when the repairs are done! ■ Lifetime Guarantee. We are so confident in the quality of the work done through our Total Liberty Care facilities1 that we guarantee it for as long as the customer owns the vehicle. ■ 24-Hour Emergency Repair Service. Customers can contact our 24-hour emergency repair service if they have a covered home emergency. We’ll immediately send someone to protect the home from further damage. ■ Contractor Network Referral. Customers can contact us if they’re looking for a contractor to repair damage incurred in a covered loss. We’ll refer them to a qualified contractor, and the customer will enjoy quick, dependable service that’s guaranteed for one year. ■ Personal Property Replacement Service. Customers who lose property will enjoy our personal property replacement service. Drawing from a vast database of items, in many cases, we can locate the exact items the customer lost—or the closest match—and ship them out quickly. ■ Catastrophe Rapid Response Unit. This dedicated unit responds immediately to storm-impacted areas, so claims will be resolved efficiently, even when claim volumes are high. 1 Not available in Alaska. The same service is provided under the Superior Service Program in Massachusetts. SpiroProposal_FINAL_NoTab-Text.indd 6SpiroProposal_FINAL_NoTab-Text.indd 6 8/27/08 3:42:04 PM8/27/08 3:42:04 PM
  43. 43. We will work with you to devise a marketing plan that best suits your needs. As part of this program, you will be provided with co-branded marketing materials that will create awareness among your employees and increase participation. Increase employee participation. Marketing Plan We have about 40% participation in these programs and we feel this is the kind of benefit that separates Monster from some of our competitors. JEFF TAYLOR FOUNDER, MONSTER WORLDWIDE PARTICIPATION SpiroProposal_FINAL_Tab-Text.indd 7SpiroProposal_FINAL_Tab-Text.indd 7 9/4/08 8:23:21 PM9/4/08 8:23:21 PM
  44. 44. Product Information Mail Stuffers / Desk Drops Seminar Invitations Email Communications Co-Branded Website Sample Materials SpiroProposal_FINAL_Tab-Text.indd 8SpiroProposal_FINAL_Tab-Text.indd 8 9/4/08 8:23:31 PM9/4/08 8:23:31 PM
  45. 45. Checklists Literature Safety Guides Sample Materials SpiroProposal_FINAL_Tab-Text.indd 10SpiroProposal_FINAL_Tab-Text.indd 10 9/4/08 8:23:50 PM9/4/08 8:23:50 PM
  46. 46. High-quality insurance is only part of our AUTO and HOME Voluntary Benefits program. We also offer on-site educational programs and special events to help increase participation and keep your employees safe and secure. On average, 75% of all employer groups offer on-site access to our sales reps. For more than 95 years, Liberty Mutual’s mission has been to help people live safer, more secure lives. As a leader in safety, Liberty Mutual is the only insurer to own and operate its own research center—the Liberty Mutual Research Institute for Safety. For decades, we have worked on behalf of our customers, conducting research on potential hazards and developing solutions. Our innovations have made life safer—at home, on the highway and on the job. Now you can leverage our ongoing commitment to safety by offering Liberty Mutual’s on-site community marketing programs to your employees. Educational Seminars: ■ Identity Fraud ■ Auto Insurance 101 ■ Homeowners Insurance 101 ■ Safe Driving ■ Personal Liability Protection ■ Gas Savings ■ Online Safety Special Events:1 ■ Bike Safety Training ■ Fingerprinting – Child Identification ■ Seatbelt Education ■ SADD/Teen Driving ■ Safelite AutoGlass VIN Etching ■ Fire Safety ■ McGruff the Crime Dog On-site support and education bring benefits to life. EDUCATION 1 Not available in all states. If you don’t have a way to bring benefits to life, then all you have is benefits in a folder. What I like about this program is the on-site nature of it. JEFF TAYLOR FOUNDER, MONSTER WORLDWIDE SpiroProposal_FINAL_Tab-Text.indd 9SpiroProposal_FINAL_Tab-Text.indd 9 9/4/08 8:23:43 PM9/4/08 8:23:43 PM
  47. 47. Enrollment is part of Liberty Mutual’s marketing plan, an important aspect of the program. When your partnership with Liberty Mutual begins, we will then discuss implementation. We suggest the following: TIMING ACTIONS Month 1 Meeting with Liberty Mutual to discuss implementation of program, marketing plan, payroll setup and any ideas or concerns you may have. Months 1 & 2 Comprehensive marketing and communication plan finalized for the year. Samples of announcement materials will be presented for your review. Liberty Mutual to obtain mail file and materials (logos, signatures) for mailing. Month 2 Program rollout to employees via internal communications, email, newsletters, intranet, stuffers, flyers, etc. Months 2 & 3 Liberty Mutual representatives are available to come on-site for information sessions and enrollment. Program marketing materials will clearly display both local and toll-free numbers to encourage employees to call Liberty Mutual directly with questions or for enrollment. Month 4 Mailings distributed to employees at home or at the workplace. Months 5 & 6 Meeting with Liberty Mutual to discuss results to date and to review marketing plans. Ongoing Follow-up communication materials distributed to employees. None of the hassles. of the benefits.All GETTINGSTARTED The support has just been tremendous. They have worked very hard...to make sure that we have what we need to make the program successful. MITCH LEONARD DIRECTOR OF MEMBERSHIP & DISTRICT RELATIONS, STATE EMPLOYEES ASSN, NORTH CAROLINA SpiroProposal_FINAL_Tab-Text.indd 11SpiroProposal_FINAL_Tab-Text.indd 11 9/4/08 8:24:03 PM9/4/08 8:24:03 PM
  48. 48. SAMPLE #5 CLIENT: Liberty Mutual Insurance DELIVERABLE: Affinity Program Email Toolkit Note: This series of emails was available to the sales force to promote the Affinity Program.
  49. 49. Dear <<Prospect Name>>, <<Pit mi, optatis dolorio reperferum qui doluptati qui dit vel eius assite volupta pa quid et lam entore voluptaqui invelluptae nonsequi nimilla boratem iunt qui nonsers.>> For more than thirty years, Liberty Mutual’s Auto and Home Voluntary Benefits program has given employers a powerful tool to help attract and retain employees. With more than 6,000 companies nationwide offering our benefits, we’re the #1 sponsored Auto and Home Voluntary Benefits program in the industry—and a proven partner you can trust. To get started today, please call me at <<XXX-XXX-XXXX>>. I look forward to working with you to provide your employees our valuable benefits program. Sincerely, <Rep Name> Liberty Mutual Insurance *Payroll deduction is not available to groups with less than 100 employees. Benefits for your company at no cost • Simple and convenient implementation • A dedicated account team • Onsite insurance consultations and educational seminars • Custom communications and enrollment programs Benefits for your employees • Exclusive group savings on comprehen- sive auto and home coverage • Multiple enrollment/service channels, including 350 local sales offices • A choice of payment options, including convenient payroll deduction* • Valuable features such as Better Car Replacement and Accident Forgiveness LIBERTY MUTUAL OFFERS: Auto and Home Voluntary Benefits - Liberty Mutual Insurance Your employees will enjoy the savings. You’ll enjoy the simplicity. <Name Here> <Phone Number> <LibertyMutual.com/RepURL> CONTACT ME TO LEARN MORE
  50. 50. Listen to what our clients are saying… Dear <<Prospect Name>>, Liberty Mutual offers our Auto and Home Voluntary Benefits program to more than 6,000 companies nationwide. At right is a sample of client testimonials that demonstrate why we’re the #1 sponsored program in the industry. Want to hear more? For additional video client testimonials from clients such as Akamai, Draper Laboratory and Brown University, please visit <<URL >>. To get started today, please call me at <<XXX-XXX-XXXX>>. I look forward to working with you to provide your employees our valuable benefits program. Sincerely, <Rep Name> Liberty Mutual Insurance Auto and Home Voluntary Benefits - Liberty Mutual Insurance <Name Here> <Phone Number> <LibertyMutual.com/RepURL> CONTACT ME TO LEARN MORE “We’re always looking for ways to expand the offering that we provide to our employees at Oracle. The Liberty Mutual program has been an excellent addition.” - Rhonda Davidson, Senior Benefits Manager, Oracle Corporation “Our partnership with Liberty Mutual has been a very positive experience for us. The payroll feature offers convenience to our employees and is an easily administered benefit.” - JoAnn Chappie, Corporate Benefits Coordinator, Saint-Gobain Corporation WHY LIBERTY MUTUAL?
  51. 51. Listen to what our clients are saying… Dear <<Prospect Name>>, Liberty Mutual offers our Auto and Home Voluntary Benefits program to more than 6,000 companies nationwide. Below is a sample of client testimonials that demonstrate why we’re the #1 sponsored program in the industry. Want to hear more? For additional video client testimonials from clients such as Akamai, Draper Laboratory and Brown University, please visit <<URL >>. To get started today, please call me at <<XXX-XXX-XXXX>>. I look forward to working with you to provide your employees our valuable benefits program. Sincerely, <Rep Name> Liberty Mutual Insurance Auto and Home Voluntary Benefits - Liberty Mutual Insurance <Name Here> <Phone Number> <LibertyMutual.com/RepURL> CONTACT ME TO LEARN MORE “We’re always looking for ways to expand the offering that we provide to our employees at Oracle. The Liberty Mutual program has been an excellent addition.” Rhonda Davidson, Senior Benefits Manager, Oracle Corporation “Our partnership with Liberty Mutual has been a very positive experience for us. The payroll feature offers convenience to our employees and is an easily administered benefit.” JoAnn Chappie, Corporate Benefits Coordinator, Saint-Gobain Corporation
  52. 52. Dear <<Prospect Name>>, <<Pit mi, optatis dolorio reperferum qui doluptati qui dit vel eius assite volupta pa quid et lam entore voluptaqui invelluptae nonsequi nimilla boratem iunt qui nonsers.>> With thirty years of experience working with more than 6,000 employers, Liberty Mutual has the experience to understand your company’s needs and tailor an auto and home benefits program that best suits your corporate culture. Our Account Manager will collaborate with you to design and rollout marketing communications that fit your preferred media formats and employee communications plan. And if you’re eligible,* you can elect to offer your employees the convenience of payroll deduction. To get started today, please call me at <<XXX-XXX-XXXX>>. I look forward to working with you to provide your employees our valuable benefits program. Sincerely, <Rep Name> Liberty Mutual Insurance *Payroll deduction is not available to groups with less than 100 employees. Customized Employee Communications • Co-branded website • Direct mail campaigns • Articles for your newsletters Payroll Deduction • Fully staffed and experienced payroll operations • Flexible design to support your payroll systems and calendar • Choice of electronic or paper billing exchange PERSONAL & CONVENIENT SERVICE: Auto and Home Voluntary Benefits - Liberty Mutual Insurance A tailored program that suits you and your employees <Name Here> <Phone Number> <LibertyMutual.com/RepURL> CONTACT ME TO LEARN MORE
  53. 53. SAMPLE #6 CLIENT: Liberty Mutual Insurance DELIVERABLE: Deductible Fund Product Brochure Note: This brochure is one sample among a large library of product brochures for which I led brainstorms for product names and wrote the copy.
  54. 54. Liberty Mutual Deductible Fund™ The more it grows, the less you’ll owe Here’s what makes this optional policy add-on so unique: Be sure to let your customers in Arizona and Illinois know how the Deductible Fund could reduce, or even eliminate, their deductibles. The Deductible Fund is an innovative, optional benefit that allows our customers to automatically lower their Collision deductible. Each year with Deductible Fund, Liberty Mutual will add $100 to the customer’s fund. Those Deductible Fund earnings automatically reduce the customer’s deductible in the event of a Collision claim, meaning they pay less out of pocket. Some restrictions and conditions apply. Currently available in AZ and IL. © 2013 Liberty Mutual Insurance Look for upcoming training information.
  55. 55. SAMPLE #6 CLIENT: Liberty Mutual Insurance DELIVERABLE: “Imagine” Print Ad Series Note: I concepted this campaign and wrote all the collateral, which was extremely popular for several years with the sales force.
  56. 56. Pamper yourself at the spa, upgrade to first class, donate to your favorite charity...whatever moves you most. As an Oracle employee, you could save up to $327.96* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. And the best part? You’ll receive comprehensive coverage, immediate claims assistance, and knowledgeable support. IMAGINE WHAT YOU COULD DO WITH YOUR SAVINGS ON AUTO INSURANCE. *Figure based on a February 2009 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance company and its affiliates, 175 Berkeley Street, Boston, MA. CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 CLICK LibertyMutual.com/association COME IN to your local office
  57. 57. IMAGINE WHAT YOU COULD DO WITH YOUR SAVINGS ON AUTO INSURANCE. *Figure based on a February 2009 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance company and its affiliates, 175 Berkeley Street, Boston, MA. Spend a night on the town, upgrade to first class, or donate to your favorite charity…whatever moves you most. As an Oracle employee, you could save up to $327.96* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. And the best part? You’ll receive comprehensive coverage, immediate claims assistance, and knowledgeable support. CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 CLICK LibertyMutual.com/association COME IN to your local office
  58. 58. IMAGINE WHAT YOU COULD DO WITH YOUR SPECIAL SAVINGS ON AUTO INSURANCE. *To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, Hill Lane, Irving, TX. ©2011 Liberty Mutual Insurance Company. All rights reserved. AUTO CONTACT US TODAY TO START SAVING to your local officeCOME IN CLICK CALL Did you know you could save hundreds of dollars on your auto insurance with Liberty Mutual?* You could save even more by insuring your home as well. Liberty Mutual Insurance—helping people live safer, more secure lives for more than 95 years. Responsibility. What’s your policy? www.libertymutual.com/aqha (800) 524-9400 Invest in new tack, fill up your gas tank for a month, donate to your favorite charity…whatever moves you most.
  59. 59. IMAGINE WHAT YOU COULD DO WITH YOUR SAVINGS ON AUTO INSURANCE. *Figure based on a February 2009 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance company and its affiliates, 175 Berkeley Street, Boston, MA. CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 CLICK LibertyMutual.com/association COME IN to your local office Order football season tickets, splurge on a gourmet meal, or contribute to your kid’s college fund...whatever moves you most. As an Oracle employee, you could save up to $327.96* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. And the best part? You’ll receive comprehensive coverage, immediate claims assistance, and knowledgeable support.
  60. 60. *Savings figure based on a February 2010 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. ©2010 Liberty Mutual Insurance Company. All rights reserved. IMAGINE WHAT YOU COULD DO WITH YOUR SPECIAL SAVINGS ON AUTO INSURANCE. Give your view of the world a new spin, take a salsa dancing class, or upgrade your cell phone…whatever moves you most. As an Oracle employee, you could save up to $301.56* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. For over 95 years, Liberty Mutual has been helping people live safer, more secure lives. Responsibility. What’s your policy? CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 (Client #:123456) CLICK LibertyMutual.com/oracle COME IN to your local office AUTO
  61. 61. How would you use your auto insurance savings? *Figure based on a February 2009 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance company and its affiliates, 175 Berkeley Street, Boston, MA. 218 miniature cars. Indulge your passion for collecting, enjoy a gourmet meal, or buy your monthly commuting pass…whatever moves you most. As an Oracle employee, you could save $327.96* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. AUTO HOME CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 CLICK LibertyMutual.com/association COME IN to your local office
  62. 62. *Figure based on a February 2009 sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary. Coverage provided and underwritten by Liberty Mutual Insurance company and its affiliates, 175 Berkeley Street, Boston, MA. 5466 golf tees. How would you use your auto insurance savings? Outfit your golf game, enjoy a gourmet meal, or buy your monthly commuting pass…whatever moves you most. As an Oracle employee, you could save $327.96* on your auto insurance with Liberty Mutual. You could save even more by insuring your home as well. AUTO HOME CONTACT US TODAY TO START SAVING CALL 1.800.555.1234 CLICK LibertyMutual.com/association COME IN to your local office

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