Put Colonial Life to Work for You

Colonial Life is preferred by brokers like you. Named No. 1 worksite/voluntary benefits company by members of the National Association of Health Underwriters. 1 Voted best at working with brokers seven straight years. 2 Earned 30 top honors in seven years recognizing service, innovation and products. 2 Best at Working with Brokers Best Consumer-driven Health Care Products Best Prepared for Health Care Reform Best Job Embracing New Technologies Best Service from an Enrollment Company 1 National Association of Health Underwriters (NAHU) members, Benefits Selling Readers’ Choice Awards, Benefits Selling Readers’ Choice Awards

We earned our reputation. Colonial Life is an industry leader with 70-plus years of experience in voluntary benefits. We were a pioneer of worksite marketing more than 50 years ago. We’re a complete source of: 1.1-to-1 benefits communication 2.Enrollment services 3.Group and individual supplemental insurance products 4.Cost control solutions 5.Benefits administration services

When you put Colonial Life to work, you’ll stay in control, invest less of your own time, money and effort and still get… More for Agency More for Clients Your

Core and voluntary. Support for all case sizes (3+ lives). Single and multi-site. Local benefits counselors/national network. Dedicated corporate team for large case management. Data collection and daily enrollment reporting. Long-term commitment – first year enrollments, new hires and annual re-enrollments. Maximum flexibility with our Harmony ® enrollment system (1-to-1, group meetings, call center, co-browse, self-enroll). Turn-key Enrollment Capabilities Let us do the work. Best Service from an Enrollment Company More for Agency Your

Our benefits counselors: – Personify our competitive advantage. – Role-specialize in counseling. – Can meet with every employee. – Educate employees on the total benefits package. – Improve employees’ understanding and appreciation of benefits. – Listen and propose needs-based product solutions. – Can be graded by employees after every enrollment. – Are measured against business quality standards. – Can be compensated through commission or per-diem options. 1-to-1 Benefits Counseling Build trust through education and expertise. Best Service from an Enrollment Company More for Agency Your

1-to-1 benefits counseling model drives total enrollment participation and yields up to 46% more voluntary revenue. 3 Commissions are competitive and hard-coded. There’s no need to split commissions. No investments are required in outside or in-house enrollment capabilities. 3 Assume:100-life account, 50% participation, $707 annual premium per person, 75% collected premium rate and Colonial Life product mix of 30% disability, 30% group hospital confinement indemnity and 40% universal life insurance. This is an estimate only. Results may vary based on actual performance levels and other factors. Maximum Revenue Make money with our model, save money with our capabilities. $1, $4,300 $9, $21,300 More for Agency Your

More for Clients Your Communication and Education Tools Give benefits the credit they deserve. Benefits Learning Center, featuring Youville TM Custom enrollment communications Self-service benefits booklet Benefit statement Enrollment report card Paycheck illustration

Group and individual voluntary benefits: – Enable cost-reducing benefits plan redesign strategies. – Provide solutions for employees with high-deductible medical plans. – Are compatible with Health Savings Accounts. – Supplement current carriers. – Enhance benefits offerings. Wellness and health promotion strategies, which can yield a $3 to $6 return on investment for each dollar invested in two to five years. 4 Dependent verification, which can result in removal of ineligible dependents that may represent anywhere from five to 12 percent of employer health care plan rolls. 5 Premium-Only-Plans through our alliance partners, which can help maximize tax savings. Cost Control Strategies Save businesses money Wellness Council of America, Making the Case for Wellness Programs report. 5 US Health Care Cost Rate Increases Reach Highest Levels in Five Years, According to New Data from Hewitt Associates, September More for Clients Your

Accident Cancer Critical illness Hospital confinement Life: term, whole, universal (with long-term care rider option available) Short-term disability Consumer-driven Product Solutions Offer choices that fit individual lifestyles. Flexible underwriting options 6 – Guaranteed issue – Post-enrollment guaranteed issue – Simplified issue Best Consumer-Driven Health Care Products 6 Underwriting options are available on select Colonial Life products. Account and case size limitations apply. See your benefits representative for complete details. Our group and individual supplemental insurance products are not directly impacted by health care reform. More for Clients Your Colonial Life products and health care reform Our group and individual supplemental insurance products are not directly impacted by health care reform.

Wellness and Health Promotion Strategies Improve health and productivity. Manage long-term health care costs. Wellness programs engage employees in positive health behaviors. Colonial Life will pay for choice of one of the following: 7 – Onsite wellness screening. – Health Risk Assessment with online health portal. – 24/7 NurseLine. Colonial Life Wellness Check-Ups assist employers in promoting their wellness programs and help increase employee awareness and participation. Wellness discount card offers savings on select prescription, vision and hearing services. Wellness benefits in select Colonial Life voluntary insurance products help incentivize employees to be proactive with personal health management. 7 Programs available to new accounts at no direct cost to client for first year if 75% POPS (Percentage of People Seen) is achieved during enrollment. A minimum of two Colonial Life products must be offered, memos of understanding must be received prior to enrollment and Harmony® must be used as the enrollment tool (with census data pre-loaded). There must be a minimum of 100 lives to qualify for the Health Risk Assessment or NurseLine program or a minimum of 300 lives to qualify for the onsite wellness screening. See your Colonial Life benefits representative for complete details. More for Clients Your

Benefits Administration Services Add value by making the job easier. Hassle-free electronic billing, payments and reporting for Colonial Life products. Online HR assistance and other plan administrator tools. Section 125 implementation and compliance support through our alliance partners. Insurance beneficiary audit. More for Clients Your

No wonder Colonial Life is preferred by brokers like you. Named No. 1 worksite/voluntary benefits company by members of the National Association of Health Underwriters. 8 Voted best at working with brokers seven straight years. 9 Earned 30 top honors in seven years recognizing service, innovation and products. 9 Best at Working with Brokers Best Consumer-driven Health Care Products Best Prepared for Health Care Reform Best Job Embracing New Technologies Best Service from an Enrollment Company 8 National Association of Health Underwriters (NAHU) members, Benefits Selling Readers’ Choice Awards, Benefits Selling Readers’ Choice Awards

Put together your plan for getting the most out of voluntary benefits at BrokerRevenue.com. © 2013 Colonial Life & Accident Insurance Company. Colonial Life is the marketing brand of Colonial Life & Accident Insurance Company.