Table of Contents  AIG Travel  AIG Travel Assist  AIG Travel Guard Difference  Why Sell Travel Insurance  General Information  Product Overview  Selling Techniques  Overcoming Common Objections  Technology Solutions

AIG Travel  American International Group, Inc  Unmatched global capabilities  Over 100,000 employees worldwide  130 countries and jurisdictions  Leader in virtually every category  Financial Stability  Over $900 billion in assets  Forbes Magazine: AIG is 6 th largest company in the world

AIG Travel  AIG Travel Guard  Wholly-Owned  World’s largest provider of travel insurance and assistance plans  Estimated 60% market share  Broadest protection available  Highest service standards in the industry

AIG Travel Assist

AIG Travel Guard Difference  Superlative Customer Service  Open 24 hours a day, 7 days a week  All calls answered within 30 seconds  Staffed for general Customer Service, LiveTravel ® Service and Emergency Medical Service  Medical referrals and assistance provided within 5 minutes and assistance continues until emergency has ended and client has returned home

AIG Travel Guard Difference  Industry Leading Claims Standards  Initiated on the first phone call  All claims checks mailed within 24 hours of receipt of final documentation  90% of all claims paid within 14 days  “The Fairness Principle”

AIG Travel Guard Difference  Training & Marketing  Dedicated representatives  Recurrent training sessions for sales and reservations staff  Provide training aids including selling guides, Why Buy Insurance materials, etc  In-house marketing team that will provide online and offline marketing assistance

Why Sell Travel Insurance  Protect your clients  Protect your agency  Increase your revenue  Products available to meet your clients needs

General Information  Policies may be purchased up to 24 hours prior to departure  Insured receives additional benefits when purchased within 15 days of initial trip payment  Who can purchase?  US, Canada, Puerto Rico Residents  Not available to clients residing in Washington, New York, Oregon  When does the policy go into effect?  12:01am following purchase

General Information  Does a client have to insure all trip costs?  Yes, clients need to insure all pre-paid, non- refundable costs associated with their travel arrangements including administration fees  If I have a client that is 59 today, but will be 60 at the time of travel, what price should I use for the insurance?  59; age is determined at the time of purchase, not at the time of travel

General Information: Modify Policy  Can a client make changes to a policy after purchase?  Policies may be modified prior to the original departure date listed on the policy  If a policy is modified, clients will not be able to file a claim on the previous policy  How do we modify a policy?  ezTIPS™: Right click on ezTIPS™ icon by the clock of computer; select Modify Policy; complete information; submit  Toolbox: Click on Toolbox; select Modify Your Policy; complete information; submit

General Information: Refunds  Can a client get a refund on a policy?  Yes, AIG Travel Guard has a Satisfaction Guarantee that allows clients to request a cash refund within 15 days of purchase date  Refunds can not be requested after the departure date  How do I request a refund on a policy?  Refund requests must be submitted in writing by the agency or insured  refund requests to

Product Overview  Cruise, Tour & Travel (Platinum)  ProtectAssist (Gold)  Travel Guard Essential Expanded (Silver)  Travel Guard Essential (Basic)  My Travel Guard (Custom)  Air Ticket Protection (Air Only)  Group Protection Plan (Group Only)  MedEvac (Annual)

Product Overview Cruise, Tour & Travel Platinum Program  Most comprehensive plan available  The “Cadillac” of all travel insurance plans  Primary Coverage – we pay first  Value Added Packages  Cancel For Any Reason  Cancel For Work Reasons  Umbrella Package  Pricing available to $100,000 per person

Cruise, Tour & Travel (Platinum) Coverage Limits Trip Cancellation 100% Trip Cost (maximum $100,000; pre-ex waiver up to $50,000) Trip Interruption150% Trip Cost Trip Interruption-Return Air Only$1,000 or 150% Trip Cost (whichever is greater) Trip Delay$1,000 ($200 per day; 5 hr delay) Missed Connection$500 (3-5 hour delay) Baggage & Personal Effects$2,500 Baggage Delay$500 (24 hr delay) Medical Expense$50,000 Emergency Medical Transportation$1,000,000 Accidental Death & Dismemberment$50,000 AIG Travel AssistIncluded LiveTravel ® AssistanceIncluded Concierge ServiceIncluded Identity Theft AssistanceIncluded Business AssistantIncluded (with Cancel For Work Reasons package) Roadside AssistanceIncluded

 Must be purchased within 15 days of initial trip payment  Pre-Existing Medical Condition Exclusion Waiver  All pre-paid, non-refundable costs need to be insured  Cost of any subsequent arrangements added to the same trip must be insured within 15 days of the date of payment for the subsequent arrangements  Insured must be medically able to travel at time of purchase  Applies to first $50,000 Trip Cost per person  Financial Default Coverage  Default must occur more than 14 days following effective date of policy  List of suppliers no longer covered Cruise, Tour & Travel (Platinum) Extra Benefits

 Cancel For Any Reason  Covers up to 75% of Trip Cost  Cancellation must occur more than 48 hours prior to departure  Must be purchased within 15 days of initial trip payment  Premium: 1.5 Base Plan Cost  Cancel For Work Reasons  Covers for cancellation due to:  Being required to work;  Company directly involved in merger, acquisition, government required product recall, or bankruptcy proceedings  Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster  Must be purchased within 15 days of initial trip payment  Premium: $24 per adult Cruise, Tour & Travel (Platinum) Optional Coverages  Umbrella Package  Missed Connection Benefit Increases to $750  Double Medical Expense Coverage  Enhanced Emergency Medical Transportation “Hospital of Choice”  Premium: Varies By Age  Car Rental Insurance Coverage  Maximum: $35,000  $250 Deductible  Premium: $9 per day per car  Flight Guard ®  Maximum: $500,000  Premium: $9 per $100,000

Pricing  $6 service fee applies per policy  $3 service fee applies to each additional package purchased  Pricing available to $100,000 per person  Trips exceeding 30 days, $5 per day per person Cruise, Tour & Travel (Platinum) Trip Cost (Per Person) Age 0-34 Age Age Age Age Age Age 85+ $0$26$30$44$50$66$99$114 $1-$250$31$36$53$59$77$114$131 $251-$500$36$42$62$68$87$128$148 $501-$1000$62$75$104$122$152$220$240 $1001-$1500$90$103$146$172$222$321$341 $1501-$2000$116$143$187$220$297$435$448 $2001-$2500$145$178$229$284$373$545$555 $2501-$3000$170$214$272$342$448$662$673 $3001-$3500$195$258$314$400$539$773$789 $3501-$4000$219$293$356$458$617$884$903 $4001-$4500$245$328$397$530$714$994$1015 $4501-$5000$270$375$440$590$799$1090$1129

Product Overview ProtectAssist Gold Program  Most popular package plan  Suitable for most vacation and leisure trips  Secondary Coverage  Children 17 & under included at no additional cost  Value Added Packages  Cancel For Any Reason  Cancel For Work Reasons  Umbrella Package  Pricing available to $100,000 per person

ProtectAssist (Gold) Coverage Limits Trip Cancellation100% Trip Cost (maximum $100,000; pre-ex waiver up to $30,000) Trip Interruption150% Trip Cost Trip Interruption-Return Air Only$750 or 150% Trip Cost (whichever is greater) Trip Delay$750 ($150 per day; 5 hr delay) Missed Connection$250 (3-5 hour delay) Baggage & Personal Effects$1,000 Baggage Delay$300 ( 24 hr delay) Medical Expense$25,000 Emergency Medical Transportation$500,000 AIG Travel AssistIncluded LiveTravel ® AssistanceIncluded Concierge ServiceIncluded Identity Theft AssistanceIncluded Business AssistantIncluded (with Cancel For Work Reasons package)

ProtectAssist (Gold) Extra Benefits  Must be purchased within 15 days of initial trip payment  Pre-Existing Medical Condition Exclusion Waiver  All pre-paid, non-refundable costs need to be insured  Cost of any subsequent arrangements added to the same trip must be insured within 15 days of the date of payment for the subsequent arrangements  Insured must be medically able to travel at time of purchase  Applies to first $30,000 Trip Cost per person  Financial Default Coverage  Default must occur more than 14 days following effective date of policy  List of suppliers no longer covered  Missed Connection Benefit Increases to $500  $50,000 Flight Guard ®

ProtectAssist (Gold) Optional Coverages  Cancel For Any Reason  Covers up to 50% of Trip Cost  Cancellation must occur more than 48 hours prior to departure  Must be purchased within 15 days of initial trip payment  Premium: 1.4 Base Plan Cost  Cancel For Work Reasons  Covers for cancellation due to:  Being required to work;  Company directly involved in merger, acquisition, government required product recall, or bankruptcy proceedings  Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster  Must be purchased within 15 days of initial trip payment  Premium: $24 per adult  Umbrella Package  Double Medical Expense Coverage  Upgrade Medical Expense to Primary Coverage  Double Emergency Medical Transportation  Enhanced Emergency Medical Transportation “Hospital of Choice”  $25,000 Accidental Death & Dismemberment  Premium: Varies By Age  Car Rental Insurance Coverage  Maximum: $35,000  $250 Deductible  Premium: $9 per day per car  Flight Guard ®  Maximum: $500,000  Premium: $9 per $100,000

ProtectAssist (Gold) Pricing Trip Cost (Per Person) Age 0-34 Age Age Age Age Age Age 85+ $0$18$28$34$46$53$89$96 $1-$250$22$32$37$49$58$93$101 $251-$500$24$36$40$51$60$95$105 $501-$1000$41$52$65$89$108$144$172 $1001-$1500$53$71$89$117$154$202$242 $1501-$2000$72$94$123$166$201$261$311 $2001-$2500$92$118$152$205$248$320$381 $2501-$3000$111$139$181$245$295$379$453 $3001-$3500$130$148$211$284$340$439$522 $3501-$4000$148$162$240$323$388$519$592 $4001-$4500$165$185$303$362$434$577$662 $4501-$5000$184$206$340$401$481$652$731  $6 service fee applies per policy  $3 service fee applies to each additional package purchased  Pricing available to $100,000 per person  Trips exceeding 30 days, $5 per day per person  Children 17 & under related to primary insured receive coverage at no additional cost when all accompanying adults purchase

Selling Techniques  Offer insurance with each trip booked  Document if client does not purchase  Stress value of adequate insurance protection  Remind clients of cancellation conditions  Use testimonials or travel mishaps from other customers  Explain AIG Travel Guard Satisfaction Guarantee

Overcoming Common Objections  I’m going on this trip no matter what.  It’s too expensive.  I already have insurance coverage.  My credit cards provide coverage.  Why should I purchase AIG Travel Guard instead of the tour operator or cruise line protection?

Technology Solutions  ezTIPS™  Reduces transaction time  Provides 3-Step Power Quoting  Transfers information from your reservation system  Agent Website  Listed in the Top 10 Travel Industry Websites by Travel Weekly  AIG Travel Guard Toolbox  Provides agents access to Policy Tools; Alerts; Claims

Technology Solutions ezTIPS™

Technology Solutions Agent Website

Technology Solutions AIG Travel Guard Toolbox

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