2. Our value proposition Who we are SIMPLE MODERN PERSONAL
In business for over 77 years
Consistently strong industry ratings and long-term profitable growth
More than $1.5 billion in in-force premium
Serve more than 85,000 companies and organizations
Provide coverage for more than 3.5 million policyholders and dependents
60 years experience in public sector and 10 percent market share, excluding federal government
Our value proposition
SIMPLE
MODERN
PERSONAL
Unless noted statistics are based on Colonial Life Internal Data,  

3. What our customers say
Brokers, Employers and Employees rank Colonial Life high
Brokers1
91% are likely to recommend Colonial Life
92% say we’re competitively priced
Employers2
95% intend to continue offering our products
Employees3,4
95% of customers are satisfied with Colonial Life’s overall handling of their claim
93% of employees are satisfied with their benefits counselor
Listen to the word on the street
There’s only one way to earn a good reputation in this business: Provide service so great people can’t help but talk about it. We’ve done that. And here’s what people are saying.
Brokers1
91% are likely to recommend Colonial Life
92% say we’re competitively priced
Employers2
95% intend to continue offering our products
Employees3,4
95% are satisfied with Colonial Life’s overall handling of their claim
93% of employees are satisfied with their benefits counselor
1 Versta Research, Colonial Life Broker Loyalty Study, 2015
2 Nielsen, 2015 Plan Administrator Satisfaction Survey, 2016
3 Market Decisions, 4Q2015 Voluntary Benefits Claims Satisfaction Research, 2015
4 Colonial Life Internal Data,  
1 Versta Research, Colonial Life Broker Loyalty Study, 2015
2 Nielsen, 2015 Plan Administrator Satisfaction Survey, 2016
3 Market Decisions, 4Q2015 Voluntary Benefits Claims Satisfaction Research, 2015
4 Colonial Life Internal Data,  

4. A single source for benefits communication and enrollment
Simple solutions
A single source for benefits communication and enrollment
Group and individual supplemental insurance products
Cost savings solutions
Enrollment, administration and technology partnerships

5. Core to Colonial Enrolled
We make it simple
ENROLLMENT PROVIDER
CARRIER
We are an insurance and enrollment company
National enrollment
More than $4 billion of employee benefit insurance products enrolled annually
$10 of core employee benefits premium enrolled for every $1 of Colonial Life premium enrolled
25,000 full core benefit enrollments
6,300 dedicated national benefit counselors
Sustainable ongoing enrollment fulfillment services
Two thirds of national sales come from existing customer enrollments
$4 billion
Enrolled Annually
$10 to $1
Core to Colonial Enrolled
25,000
Core Enrollments
Colonial life internal data, 2015

6. Our enrollment promise
We educate and enroll employees in their benefits, all year round, wherever they are.
ON THE PHONE
ONLINE
We work with employers to tailor enrollment to their workplace strategy. When employees see the full value of benefits they make better informed decisions and a full understanding what their employer is doing for them.
A great enrollment consists of pre-communications, enrollment event communications and post communications. Communications are designed to increase understanding, participation and premium.
Enrollment can happen however you like, but we encourage face to face.
All this, at no cost to you!
DATA:
68% of people we speak with purchase something?
Also – when the employer endorses the offering, pre-communicates the products being enrolled and asks for a Yes or No response we typically see/engage 85% of the workforce…
IN-PERSON

7. Enrollment options that fit your needs
Need a system? No problem.
Have a system? We’ll connect.
ALL BENEFITS
YEAR ROUND ENROLLMENT AND COMMUNICATIONS
SECURE
DATA
REPORTING
What’s your system, what are your clients most common systems?
We have ongoing connections with most of the leading vendors. Such as: Selerix, Employee Navigator, BenefitsFocus, Bentrac, BenefitsConnect and more!
And with a few weeks notice, can connect with any system out there. --
Harmony is our proprietary enrollment system
Core and voluntary enrollments
Secure data
Reporting
Colonial Life Connect
- Web integration
- Bridge between current enrollment system and Harmony
Group Product Hosting
- Build Colonial Life products on third party vendor system

8. Personal qualified programs
AD&D
$5,000 coverage
For new accounts with employees and 50% POPS
Identity theft protection
Identity monitoring and help recovering from identity theft
Flu shots
For new accounts with more than 50 employees and 75% POPS
Funded flex program
Flexible spending account fees for qualified new accounts with employees and 75% POPS
ERSIA compliance
Consultative services for accounts over 100 lives that allow for 75% POPS.
Legal Services
Preparation assistance with over 200 legal documents for qualified new accounts with employees and 50% POPS
Telemedicine
Unlimited phone and video telemedicine access for qualified new accounts with employees and 75% POPS
Offered at no cost when:
Two Colonial Life employee paid products are offered
AND
50-75% of benefit eligible employees are seen by Colonial Life benefit counselor
POPs: percentage of people seen
Terms and availability of these programs are subject to change.

9. Personal complimentary programs
Wellness discounts
provided by WellCard, medical, dental and prescription discounts, telemedicine and medical bill consultation
Premium-only plans
provided by AmeriFlex, Section 125/Cafeteria plan administration, which offers certain products on a pre-tax basis for accounts with at least $1,800 in-force
Financial education
provided by KOFE, online and face-to-face coaching and instruction
Online HR support provided by HRAnswersNow, access to human resources knowledge, sample polices and expert advice on employment issues
Guaranteed issue
provided by Colonial Life, guaranteed issue on certain voluntary benefit products
Offered at no cost:
No minimum product requirement
No Percentage of People seen (POPS) requirement
Terms and availability of these programs are subject to change.

10. Public sector expertise
Market expertise
60 years experience
42 state governments
3,000 educational entities
5,000 local governments
Cost saving solutions
Dependent verification
Tax savings
Cost sharing
Wellness communication
Strategic partnerships
Thought leadership
Best practices
Local events
Dedicated home office team
Colonial Life internal data, 2015

11. Public sector strategic partnerships
National Joint Powers Alliance awarded us a contract that member entities can leverage to fulfill bidding requirements and take advantage of cooperative purchasing opportunities.
Government Finance Officers Association partners with us to conduct studies proving the effectiveness of our cost management solutions.
Association of School Business Officials partners with us on events to educate members on voluntary benefits and cost-savings solutions.
National League of Cities named us a corporate partner to educate members on voluntary benefits and cost-savings solutions.
We support the International City/County Management Associations mission with strategies and resources
members can use to develop more cost-effective and sustainable benefits programs for their employees.
International Public Management Association for Human Resources endorsed us as their preferred voluntary benefits and solutions provider.
Our National Institute of Government Purchasing partnership provides members with voluntary benefit resources for bid-related documents, training programs and procurement seminars.

12. Product portfolio Designed to help offset medical costs
Can help fill gaps in coverage
No cost to you, employer paid options available
Wellness benefits
Many can be paid pre-tax
Rate stability1
Easy claim filing
Simplified underwriting and guarantee issue available
Next day payments2
Group and individual on same platform
Portable at original issue date
1 Group products may adjust at renewal
2 Based on Colonial Life internal data – Most claims are processed and paid within one business day

13. Product portfolio

14. Voluntary benefits are just the beginning

15. ColonialLife.com ADR578-2016 (12-16)
Insurance products are underwritten by Colonial Life & Accident Insurance Company.
© 2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.