Serving Credit Union Members Nationwide

Chartered in 1924 International Company - Licensed in the U.S., Canada, New Zealand, Puerto Rico and the Virgin Islands Over $1.1 Billion in assets

Over $25.8 Billion of supplemental life insurance in force! AIL is one of the world’s largest providers of supplemental insurance.

A.M. Best A+ Superior Rating

Credit Unions, Unions and Associations 3,000,000 Members

Credit Union Lines *AIL Publishes nationally the Credit Union Lines each month at no cost to the Credit Union *Provides general information of current Credit Union topics

Blue Paper of the Month MONTHLY TOPICS PAST TOPICS INCLUDE “10 Realities about New Bankruptcy Law” “Privacy Act” “Executive Compensation”

CREDIT UNION SERVICES * Surveys * Increase Loan applications * Credit Union Product and Service Cross Selling * Value Added Benefits * Membership Education

Value Added Benefits

$2,500 Accidental Death & Dismemberment Benefit at NO COST. ACCIDENTAL DEATH & DISMEMBERMENT POLICY 2006 Highlights * $2.2 Million paid to Union Families

Vision / Eye Care Prescription Drugs Hearing Chiropractic Health Services Discount Plan 2006 Highlights * Approx $1.5 Million saved on Prescription Medications

Child Safe Kit Endorsed by the International Union of Police Associations and the AFL-CIO Helping working families protect what they value most, their children!

How We Implement the Value Added Benefits…

1.We send a letter on your letterhead to each member, informing them of their new benefits 2.The letter lets them know the benefits are coming in cooperation with AIL and their local Credit Union

* Postage Paid Response Card is enclosed with each Letter including an Internet address option to complete the card online *All Members are covered by the AD&D Master Policy which the Credit Union holds *Members who return their Response Card will be contacted by our Representatives

When a Mailing is done through your Credit Union… * The Program is at NO COST to the Credit Union or the Member * AIL respects the Confidentiality of Membership mailing lists and does not require a copy of them * Typically, 20 – 35% of your Members will return the Enrollment card and one out of three will purchase additional benefits

When one of our Representatives contacts a Credit Union Member…

* Deliver their Individual Certificate of Coverage and have them designate their Beneficiary * Clearly explain the affordable supplemental programs and answer all questions * Present the Health Services Discount Plan

* Pay Cheque Protector, which acts as a readjustment benefit * Final Expense Plan * AD&D and Emergency Hospital Intensive Care Program * Cancer Benefit * All Supplemental Benefits are 100% Union Supplemental Benefits 2006 Highlights * $70 Million of claims paid to Working Families through their benefits with AIL & NILICO

TERMINAL ILLNESS LIVING BENEFIT PROVIDES 50% OF THE POLICY COVERAGE AMOUNT UPON DIAGNOSIS OF A TERMINAL ILLNESS. (Life Expectancy less than 12 months) AVAILABLE AT NO COST FOR POLICY HOLDERS.

Representative Report Form

Eliminates Confusion over: Funeral Arrangements Insurance Papers Estate Information Taxes FAMILY INFORMATION GUIDE

How Do We Do It? One Can Of Food at a Time! FOOD BANK

The Next Step…

*Provide copies of your Letterhead *Process the mailing *Stay in contact with your AIL Representative *Reports back to you on Claims History, Membership participation and Officer Report forms. Complete the Group Coverage Form (provides immediate 24 hour coverage)

* Send the information electronically via to your membership distribution list Electronic Option

Helping Secure the Future of Working Families With…  Affordable  Permanent  Portable Supplemental Benefits

1.All Credit Unions to have a Manager of Record. (Managers to determine whom the manager of record will be). 2.All Credit Unions will have an Agent(s) of record ( PR/Manager will Determine who). 3.All Credit Unions must have an introduction by the Manager/Agent(s) of Record before the Leads are worked. 4.PR is responsible to send Notification Letters to the Credit Union with introductions and changes. 5.PR must put the Credit Union on Reserve with the Redmond Lead Dept when the group is set up at home office. 6.PR Will provide personalized Credit Union training for each Credit Union / Agent training. 7.Credit Union Report forms (Blue) will be used for each Credit Union. 8.Once a month the Agent or Manager of Record will drop off the Credit Union Report forms to the Credit Union. Credit Union Protocol

* Report Forms * Surveys * Drop bys * * Phone * Reports * Death Claims * Chocolate Servicing the Credit Union …