Benefits that count!

1. Benefit Solutions
That Count
. . .to expand your employee
benefit offerings and
save costs.
. . .to conduct your benefit
enrollments quickly and
efficiently.
. . .to simplify your benefits
administration.
coloniallife.com

2. coloniallife.com
Benefit Solutions That Count
The world of employee benefits grows more
complicated every year.
• Rising health care costs and premiums.
• New government regulations.
• Competition to offer a better benefits program.
• Increased overhead to compete with your benefits budget.
People make the difference, in your business and in ours. You want
to offer your employees the best benefits package you can, and so
do we. Our professional benefit counselors are dedicated to making
benefits count for your company and your employees.
We don’t just offer benefits — because no two businesses are alike.
We can help you understand what type of benefits may work best
for your company and help your employees better understand the
benefits you make available to them. It’s a proven fact that the more
employees understand their benefits, the more they appreciate them.
That helps you have satisfied employees, which results in stronger
employee retention — another thing that’s becoming more
challenging these days.
Firms that communicate effectively are
4 times more likely to report high levels
of employee engagement versus firms
that communicate less effectively.
Watson Wyatt -2007/2008
Communication ROI Study™

3. Bene t Solutions That Count
Only through Colonial Life can you nd these bene t
solutions all together in one place. Colonial Life is a
single-source provider of:
Bene ts counseling
to help each employee
understand and appreciate
bene ts available at work.
Enrollment options
that save time and money.
Insurance products
tailored to personal needs.
We can help you design a exible employee bene ts
package that ts the needs of your business as well as
your employees. This enables you to build a more loyal
and satis ed workforce and, ultimately, a stronger
business.
We come to your worksite and spend 1-to-1 time with
each employee to provide simple, straightforward
advice about the bene ts they have — and those they
may need to t their individual lifestyles and budgets.
And we do it all at no direct cost to you.
Your business matters — to you and to us.
Making bene ts count for your business. . .
that’s Colonial Life.

4. coloniallife.com
Count on Colonial Life’s Bene ts Communication
to help your employees understand and
appreciate what you do for them.
Colonial Life’s industry-leading bene ts communication
and enrollment capabilities are making bene ts count
for employers throughout the country.
Our custom bene ts communication materials —
designed to t your company’s and your employees’
speci c enrollment needs — can help your employees
better understand their bene ts.
• Announcement letters and fliers
• Brochures
• E-mail campaigns
• PowerPoint presentations
• Spanish materials
Our trained bene t counselors meet individually with your employees to review the
available bene ts in a way that is easy to understand, discuss their own personal
situation, and enroll them through our own enrollment technologies.
Our ability to provide consistent, clear communication through 1-to-1 meetings with
employees helps ensure they understand the bene ts available to them, which may
create much greater employee satisfaction. Employees have the chance to
con dentially review their current bene ts, consider new options, and most
importantly, see how their choices will a ect their paycheck.
After all, Colonial Life is all about
making bene ts count
with options that mean the most to
you. And we provide these services
at no direct cost to you.

5. Personal salary illustrations Bene ts Communication
outline the employees’ bene t selections
and how each a ects their paycheck, so
there are no surprises later on when the
rst deductions are made.

6. coloniallife.com Bene t statements provide a detailed overview
of the bene ts you contribute to or provide, so
employees can see the true value of their bene ts
package. It’s their “hidden paycheck” so to speak.
They’ll also see the dollar amounts that count
toward additional bene ts such as vacation days,
parking passes or a paid uniform program.

7. Bene ts Communication
Election forms provide a detailed accounting
of each employee’s selections and contributions.
It’s a nal clari cation of the bene t selections
and the cost involved.

8. coloniallife.com
Count on Colonial Life to make your Enrollment
easy, streamlined and e cient.
When planning and conducting each enrollment, we serve as the bene t counselors
for working Americans and provide straight-forward advice to help employees
understand and appreciate their bene ts. And we work with you to determine which
of our enrollment options will best meet your business needs.
A Personal Touch And Easy-To-Use Enrollment Technology
Colonial Life’s traditional 1-to-1 enrollments o er the most employee engagement
and best opportunity for decision-making support. To help educate and counsel your
employees on their bene t needs, we come to your worksite and spend 1-to-1 time with
each employee.
In cases where employees work in the eld, are constantly mobile or are in secured
locations, our Call Center provides another 1-to-1 option. Employees can simply call
our toll-free number and a Call Center Associate will educate the employee about
the bene ts available, answer the employee’s questions and lead them through the
enrollment process.
We also o er the option of co-browsing. It’s the same as a 1-to-1 enrollment but
conducted over the Internet with a Colonial Life bene ts counselor.
Self enrollment and group meetings o er alternative options that are available to
access employees who work remotely or are not able to meet with a bene ts counselor.
Our pre-enrollment communications can introduce employees to our simple web-based
enrollment system and the steps they need to follow.

9. Efficient Enrollments
All Powered by Harmony®
Whichever option best ts your needs, the
web-based technology that powers all of our
enrollments is our simple-to-use Harmony®
system, which features online and o ine
capabilities.

10. coloniallife.com
Count on Colonial Life’s Personal Insurance Products
to give you exibility in providing the bene ts
that make the most sense for your employees.
At Colonial Life, we focus on providing employers with
the products and services that best meet the needs of
individual working Americans.
Our bene t counselors can show you how Colonial Life’s
personal insurance products and services allow your business to:
• Offer new coverage options, at no direct cost to your business.
• Allow employees to pay for the coverage through the
convenience of payroll deduction.
• Enjoy employer tax savings and provide tax savings for your
employees by pre-taxing through Section 125.
• Help your employees pay for what their health insurance doesn’t.
By packaging core bene t o erings with our personal insurance products, you
can enhance your bene ts program and help employees ll the gaps in
their individual coverage. They can apply and pay for the protection
they feel they need the most.
Making bene ts count with Colonial Life’s quality, a ordable personal
insurance products is just smart business.
Expenses covered
by health insurance
Our products o er choices
to help ll in the gaps
• Co-pay
• Deductibles
• Over-the-counter
medications/supplies
• Non-medical expenses

11. Personal Insurance Products
Employer-Sponsored Core Benefits
• Group Major Medical
• Group Life
• 401(k)
• Vacation/Sick Leave
We o er the following
personal insurance products:
• Short-Term Disability
• Life
• Accident
• Cancer and Critical Illness
• Hospital Confinement
Indemnity
• Limited Benefit
Medical Plan

12. coloniallife.com
Superior Services That Make Sense
Count on Colonial Life’s superior services to make your
administrative life easier.
We provide services that t your needs and can help you
enhance and better manage your bene ts program.
Through our strategic alliances, Colonial Life can provide you
with Premium Only Plan (POP) and Flexible Spending Account
(FSA) administration services to help ensure you are in compliance
with Section 125 provisions and regulations, while reducing taxes
for both you and your employees.
Sample Premium Only Plan Deductions*
Without Flex With Flex
Gross Pay $1,000.00 $1,000.00
Pre-taxed Reduction
- $0.00 - $180.00
(Major Medical)
Taxable Amount $1,000.00 $820.00
FICA, Federal Tax and
- $202.02 - $156.30
State Tax
Post Tax Deduction
- $180.00 - $0.00
(Major Medical )
Spendable Income $617.98 $663.70
Savings Per Period $45.72
Total Annual Savings $1,097.28
*Based on 24 pay periods

13. Superior Services
Colonial Supplemental Insurance • 9
With an FSA, employees have the exibility to add pre-tax dollars to
reimbursement accounts and help with the cost of quali ed expenses.
Dependent Care Reimbursement Accounts let employees pre-tax out-
of-pocket expenses for dependent care that allow employees and/or their
spouses to work, such as day care expenses, after-school care expenses
for children under age 13, and care for a dependent adult incapable
of self-care.
Medical Reimbursement Accounts let employees pre-tax out-of-pocket
expenses not covered by health insurance plans. This is a great way to
help your employees cope with the higher deductibles and co-payments
in today’s medical insurance plans. Examples include dental, vision,
health plan co-pays, prescription drug co-pays and even some
quali ed over-the-counter medications.
Sample Flexible Spending Account Deductions*
Before After
Dependent Dependent
Care FSA Care FSA
Gross Pay $1,000.00 $1,000.00
Pre-tax Dependent
- $0.00 - $110.00
Care Reduction
Taxable Income $1,000.00 $890.00
FICA, Federal
- $202.02 - $173.56
& State Taxes
Net Pay - $797.98 - $716.44
Dependent Care
- $110.00 - 0.00
Expense
Spendable Income $687.98 $716.44
*Based on 2008 South Carolina Tax Tables

14. coloniallife.com
The ColonialConnect for Plan Administrators website SM
is designed exclusively for our account plan administrators.
It’s easy and saves time by allowing you to view your bill online,
conduct billing transactions, update employee information,
download claim and service forms, e-mail key account service
areas, and much, much more.

15. Superior Services
CCH HRAnswersNow® is a direct link through ColonialConnect
to CCH’s (Commerce Clearing House) HRAnswersNow website.
This site provides valuable information regarding human resource
policies and guidelines as well as state and federal laws and
regulations explained in everyday language.

16. coloniallife.com
Our E-Services are available through the secured ColonialConnect
site to help make your job easier and eliminate tedious paperwork.
You can view and pay your bill online, but better yet, take advantage
of our paperless billing service — Ez Billing — which allows us to
reconcile your bill for you.
“9 in 10 Colonial Life claimants are
satis ed with claims service overall
& would recommend Colonial Life
to others.”
2009 LIMRA Customer Satisfaction Survey

17. Superior Services
Approximately 65% of Colonial
Life’s new premium historically
comes from existing business
each year.
Source: Colonial Life records, 2008
Long-Term Relationships
Technology is critical in today’s business world,
but the true de nition of service lies within people.
Our customer service team provides fast, hassle-free and reliable
service – for you and your employees. Bilingual service specialists
are also available for our Spanish-speaking customers.
We provide you with service centers and automated, toll-free
customer service phone lines around the clock that are dedicated
to Colonial Life plan administrators. Our exible services — including
fax, phone, e-mail and online submissions — help lessen your
administrative responsibilities.
Our accessible, professional and caring customer service teams
understand the needs of employers and employees alike and
treat both with the courtesy and knowledge they expect.
Colonial Life is helping you make bene ts count with services
like these — at no direct cost to you.

18. coloniallife.com
Let Colonial Life provide you with the personal
insurance products and superior services
you can count on to make your business
a success.
Next Steps:
• Complete new account information and schedule
a welcome call with the plan administrator.
• Obtain employee census information to build a
database for communicating bene ts and salary
illustrations.
• Schedule group enrollment meetings.
• Schedule 1-to-1 meetings.

20. Making benefits count
for you and your employees...
that’s Colonial Life.
Colonial Life
1200 Colonial Life Boulevard
Columbia, South Carolina 29210 Colonial Life products are underwritten by Colonial Life & Accident
coloniallife.com Insurance Company, for which Colonial Life is the marketing brand.
4/10 59665-8