Program for Leading Employers BENEFITS PLUS A Group Auto & Home Program for Leading Employers

Agenda Why Travelers? Why Benefits Plus Defining Roles Keys to Success Summary

Why Travelers? Industry leader with over 5 million auto and home insurance policies 30+ years experience doing group auto and home insurance programs for leading employers Employee confidence in Travelers’ strong brand recognition Unparalleled property casualty claims service with over 8000 claims staff Financial stability: A+ rated by A.M. Best

Why Travelers: Insurance To Meet Individual Needs! Home Condo Renters Flood Identity Theft Valuable Items Excess Liability Auto Boat/Yacht

Why Benefits Plus: Advantages For Employer No Direct Cost Administration handled by insurance company and agent Helps attract and retain employees Shows your commitment to employees Helps offset rising costs of core benefits A popular voluntary benefit Hewitt Associates says 35% of employers will offer group auto programs in the next 3 years!

Why Benefits Plus: Advantages For Employees Free insurance checkup by trusted agent Special rates on products they MUST buy Agent represents many top insurance companies Several convenient payment options – including no fees for EFT Voluntary participation – Open Enrollment Quotes by phone, fax or email to local agent 24/ 7/ 365 claims service Completely portable policies with Travelers Program

Why Benefits Plus: Many Billing Options Direct billed Installment billed Electronic Funds Transfer (EFT) with no fees Mortgagee billed Payroll Deduction with Travelers Program Minimum of 100 employees at company

Why Benefits Plus: Program Management By Agency Develop awareness campaign customized to each Employer Coordinate announcement letters or emails Coordinate payroll stuffers, brochures, posters Conduct onsite group meetings if desired Report progress to Employer

Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role Support of the communication efforts Provide feedback to enhance the program Facilitation of the payroll deduction interface if payroll is used Professional quoting, counseling and enrollment services Providing oversight of the program Acting as the liaison between company and Travelers Coordinating overall program Developing employee communication pieces Providing competitive products Reconciling payroll deductions 24-hour claim handling Providing feedback about employee participation

Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role Support of the communication efforts Provide feedback to enhance the program Facilitation of the payroll deduction interface if payroll is used Professional quoting, counseling and enrollment services Providing oversight of the program Acting as the liaison between company and Travelers Coordinating overall program Developing employee communication pieces Providing competitive products Reconciling payroll deductions 24-hour claim handling Providing feedback about employee participation

Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role Support of the communication efforts Provide feedback to enhance the program Facilitation of the payroll deduction interface if payroll is used Professional quoting, counseling and enrollment services Providing oversight of the program Acting as the liaison between company and Travelers Coordinating overall program Developing employee communication pieces Providing competitive products Reconciling payroll deductions 24-hour claim handling Providing feedback about employee participation

Keys To Success An Employer or Sponsor who: Supports communication efforts Allows access to employees to communicate the benefit Provides feedback to enhance the program Facilitates payroll deduction if chosen

Keys to Success: Proven Employee Communications Our customized employee awareness plan may include: Articles in employee newsletters Inserts for pay envelopes Brochures and posters for the work site Mailings to employees E-mail reminders Customized Intranet information On-site employee-awareness events Other items you suggest

Summary Full portfolio of competitive products! No cost to implement and maintain the program Professionally designed communication pieces – FREE! Many billing options for employees Reconciliation of the payroll program – flexibility! Superior claims service – 24/ 7/ 365! Local agent who understands the needs of your employees

A Mutually Beneficial Partnership Employer Insurance Agency Insurance Company

Benefits Plus Thank You! It can Help You Thank You!