Grow your Business with Quantum HomeSM July, 2007

The Market Opportunity Buying a home is a trigger for purchasing home insurance Almost 1.5 million new homes were built last year in the U.S. Almost 1 million homes are bought and sold every month Average sales price of a home is now almost $300K More HVH being built as well (greater than $500K)

Quantum Home Offers Many Ways to Grow Your Business Expanded Eligibility of Risks - More customers qualify with Travelers, specifically secondary/seasonal homes. Improved Competitiveness - Travelers is an open market for PC-9 business, new construction and High-value homes. Enhanced Ease of Doing of Business - We’ve combined our most popular endorsements into coverage packages. Saves you time that was required when you had to build each customer’s coverage from scratch. A Boost for Account Rounding - Account discounts expanded to all Travelers policies including Auto, PAF, Plus, Flood. Attract the High Net-Worth Market – Quantum Home was designed to be especially competitive for customers with homes with values starting at $500K through specialized underwriting, claims service and broadened coverage.

Quantum Home Keeps Your Customers Satisfied Full Range of Coverage - Including water back up, all risk coverage on dwelling & content perils and ID theft in our Platinum and Platinum Plus packages. More Coverage Options - Easy customer customization allows you to add additional endorsements to the existing coverage packages. New Endorsements – to meet the needs throughout life changes including: student & away from home, residence held in trust and assisted living care coverage. Built-in Discounts - loss free discount, multi-product discount, protective devices discount, and new home buyer discount.

Tips for Growing your Business with Quantum Home Form relationships with local real estate agents, mortgage brokers and banks who can refer homeowners to you for their insurance needs. Attract new home owners by visiting local home shows, seminars in your area. Place ads in local publications, newspapers, home show programs to advertise your services. Distribute news release to media to announce importance of discounts available. Enroll in the One to One Program to round out your mono-line home book with auto. Look at cross-sell opportunities. Personal lines to commercial lines. Commercial lines to personal lines. Look for recent home purchases or property transfers in local paper. Mark the possible x-date, and send prospect a letter prior to a year from purchase.

Use Email to Promote Quantum Home ePostcards Can be customized with a choice of four images and four different messages. No postage needed and setting up the message is quick and easy! Tips for Use Use the “Thank You” template to welcome new customers for all lines of business. Use the “Account Round” message to sell other lines to monoline customers. Use the “Account Review” message to offer customers an important annual coverage review (JD Powers research confirms customers highly value this type of agent contact!)

Use Tent Cards and Door hangers to Promote Quantum Home Conveys message: Travelers Home Insurance is “just right” for you because it’s custom-built by an independent agent. Door hanger is imprintable and the tent card has a business card slot Tips for Use Hire local student for a few hours each week and canvas local neighborhoods with door hangers. Use tent card at local realtors, mortgage brokers, banks and home sales centers. Use the tent card on tables at home shows or seminars.

Use Drop Ads to Promote Quantum Home Agents can customize with their logo and contact information Tips for Use Use in local publications (insert into newspapers) to advertise agency. Use as handouts at home shows. Work with local realtors and mortgage companies to have the drop ad included in informational packets. Use drop ad in direct mail campaigns – tri-fold it and send it to prospects in the mail. Place the ads on the windshields of cars parked at local home shows.

Use Electronic Brochures to Promote Quantum Home It’s easy to send product information via email. It’s also fast and free! This brochure is customizable with your agency information. Tips for Use Send to potential or existing customers via email. Use with online home insurance quotes or proposals. Post the brochure on agency Web site.

Use Brochures to Promote Quantum Home Consumer Brochure Offers high-level overview of Travelers Home Insurance Highlights benefits of customized coverage and working with an independent agent. Tips for Use Leverage centers of influence relationships with realtors, mortgage brokers and banks (they can present the brochure to potential customers during real estate transactions that involve insurance). Include this brochure in annual mailers to customers in preparation for account reviews.

Use Platinum Plus Brochure to Promote Quantum Home Overview of the Platinum Plus product, geared toward high-net-worth audiences. Tips for Use Provide brochure to local realtors who cater to high-net-worth customers. Target high-net-worth ZIP codes and include the brochure in a direct mail campaign. Form relationship with local financial advisor and discuss benefits of Travelers Platinum Plus program. Provide marketing materials to advisor to share with potential customers.

Use Platinum Plus Print Ad to Promote Quantum Home Platinum Plus Customizable Ad (on Agent HQ) Customize with agency logo and contact information. Tips for Use Use in local high-net-worth publications including playbills, community newsletters and newspapers. Target high-net-worth ZIP codes and use as a direct-mail piece.

Use Platinum Plus Folder to Promote Quantum Home Use to present Platinum Plus marketing pieces to prospects, or to present policy documents to new or existing customers. Includes slot for business card. Tips for Use Create marketing packets that include a brochure, customized drop ad and other materials about your agency. Local realtors or other centers of influence can provide the packets to potential customers. Present account review documents in the folder, along with a product brochure. Use with existing customers or present proposals to prospects.

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