1. Mobilassurance Bogotá, Mayo 17 de 2016

2. Contenido 1. Chubb 2. Experiencia de Chubb en Mobilassurance 3. Modelos de Negocio y Distribución 4. Entorno Regulatorio 2 Mayo 17, 2016 5. Casos de Negocios 6. “ Lessons Learned” y Recomendaciones

3. Chubb Mayo 17, 2016 3

4. 4 Experiencia de Chubb en Mobilassurance Mayo 17, 2016

5. 5 Que es Mobilassurance? Mayo 17, 2016 Experiencia de Chubb en Mobilassurance

6. 6 Mobile Network Operators VMNOs Retailers Sim card manufacturers Aggregators/Integrators Top/up providers Payment platforms Telemarketing (OB, IB) E-commerce SMS, Smart Message Face to face Embedded PRINCIPAL PLAYERS SALES PROGRAMS “Not the product” “Refers to the channel” Target customers are the unbanked Multiline by nature …Solution-driven THOUGHT PROCESS Mobilassurance ….. the distribution of insurance products through Mobile Network Operators (MNOs) and others in the Mobile Ecosystem” Mayo 17, 2016 Experiencia de Chubb en Mobilassurance

7. 7 Modelos de Negocio y Distribución Mayo 17, 2016

8. Month 17, 2016 8 Modelos de Negocio y Distribución

9. Month 17, 2016 9 Modelos de Negocio y Distribución

10. Experiencia de Chubb en Gestión de Canales 10 Principales Telefonía Smart Message Doble Facturación Billing stuffer Inclusive (Non Additional Cost) Telemarketing Out & In bound F2F (Face to Face) Otros Canales DM Welcome call Bounce Back Door to Door Lead Generation Online Opt-out Up-grade Click to call Mayo 17, 2016 Modelos de Negocio y Distribución

11. 11 Entorno Regulatorio Mayo 17, 2016

12. 12 Seguros  Vender/ofrecer seguros  Cobro de las primas  Wet signature, e-signature, recording, sms etc.  Documentacion (polizas) Proteccion de Datos  Consentimiento Tacito vs. Explicito Regulaciones Especificas de Cada Pais Mayo 17, 2016 Entorno Regulatorio

13. 13 Casos de Negocio Mayo 17, 2016

14. Casos de Negocio Mobile phone program in LATAM solicited pre-paid mobile phone subscribers utilizing a distribution innovation messaging platform “Smart Message” to sell Accidental Death Insurance with a Lottery incentive. Premium is charged to subscriber’s phone credit. Opportunity to reach over 60MM 14 Overview  Total Subscribers: over 70MM  Pre-Paid: 85%/ Post paid 15%  Chubb partnership since 2009 Product Coverage Detail  Accidental Death  Lottery Distribution Innovation  Subscribers were contacted via Smart message – an interactive tool, much effective than a simple SMS. Message pops-up on the cell phone screen and subscriber needs to take an action immediately.  Double “opt-in” is used to buy and confirm the insurance purchase. Two other messages are sent with purchase confirmation details  15,000  2,500 Coverage Sum Insured (BRL)  OBTM main distribution channel until 2013 for post-paid  Smart Message campaign started in 2013 for pre-paid  Prepaid subscribers received a Smart message inviting them to purchase and AD product and the opportunity to enter a lottery for free. - Monthly premium 5.99 Brazilian Reals (~ $1.62 USD) - Billing was done by charging the premium in the subscriber’s pre-paid account. - Daily attempts over 60 Days CHUBB Targeting MNO Pre-paid subscribers

15. Casos de Negocio 15 Process Third party partners are connected and working with MNO’s platform TELCO Technolog y Partner Carrier Billing Empresa Web Hosting CHUBB Targeting Pre-paid subscribers

16.  Launched 2011  Embedded Theft coverage on selected airtime plans  Q4-2013: Launch enhance device protection  Launched 2011  Embedded SPL, A&H and Life coverage for contract workers  Launched end of 2012  Device Protection: Accidental Damage & Theft with bill protect  Launched Q4- 2013: Travel Insurance and Bill Protect Insurance  Launched March 2014: Load Protect  Target Q2 2014 Device protection with Bill Protect Feature  SMS coverage Embedded in PlanFace to Face at POS Embed in Travel Plan Smart Messaging Face to Face at POS Embedded in Plan Multi-distribution channels and methods specifically catered to each segment and plan Response Rate for Mobile Device Protection POS: 15% in 2013 and 31% in 2014 Response Rate for Travel: with over 25,000 roamers covered monthly, roughly 50% of monthly roamers Postpaid Segment with device insurance has over 70,000 subscribers to date and $2.5M in premium revenue Customer Service Level – 90%; Customer Service within 24hr to 48hr TAT Claims Service Level – 86% (Claims Fulfilled: almost 800 policies) Claims TAT within 3-10 days / Claims Fulfillment within 3-5 days *For group with insurance compared to group without insurance Source: WCIS, ACE, Value Partners analysis PHILIPPINES – LEADING MNO 35M SUBSCRIBERS 16 Mayo 17, 2016 Casos de Negocio

17. 17 “Lessons Learned” y Recomendaciones Mayo 17, 2016

18. KEY SUCCESS FACTORS WILL RELATE TO INNOVATIVE DISTRIBUTION AND ADOPTION OF TECHNOLOGY  Penetration of the prepaid segment – Bulk of subscribers today in developing markets  Market share growth smart phones – Support wider range of transactions  Innovative distribution, for example – Bundled offers – SMS, USSD, Smart message, etc. – “Intelligent” billing for prepaid subscribers  Appropriate product and price range – Price related to ARPU – Value added products “Lessons Learned” y Recomendaciones

19. Mayo 17, 2016