Serving Association Members Across North America

*Chartered in 1924 *Over $10 Billion of supplemental life insurance in force! *International Company - Licensed in the U.S., Canada, New Zealand, Puerto Rico and the Virgin Islands

A.M. Best A+ Superior Rating

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

*AIL works with Associations all across North America *Providing Value Added Benefits and other programs at no cost to associations or their members

*Surveys *Financial Support *Scholarships *Newsletters *Value Added Benefits

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

How We Introduce the Value Added Benefits…

1.We send a letter on your letterhead to each member, informing them of their new benefits 2.We send it on your letterhead so the members know the benefits are coming in cooperation with AIL and the Association

* 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 Association holds *Members who return their Enrollment Card will be contacted by our Representatives

When a Mailing is done through your Association… * The Program is at NO COST to the Association 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 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 Service Discount Plan * Association Member Services/Education

Read Off Letter

* 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