1. Life Insurance Products and Services

2. Our Advantage Strength & Stability
Broad Product Offerings with Added Value
Benefit Features That Make The Difference
Flexible Reporting
Superior Customer Service
Our strength, innovation and dedication makes us the right solution to your needs.
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3. Our Strength and Stability
A.M. Best: A (Excellent) agency rating
Parent company, ranked 38th on the Fortune 500 list
Parent company, named Most Admired Health Insurance Company by Fortune Magazine
Parent company, ranked 2nd on 2006 Business Week’s Top 50 Performing Companies
More than 96,000 group customers and 5.8 million members*
Large Case/National Accounts Expertise
More than 50 years of experience*
Each affiliated life company is a separate, independent legal entity for financial purposes and is solely
responsible for its own contractual obligations and liabilities.
*Anthem Life internal data 2006
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4. Broad Product Offerings - Life
Employee and Dependent Voluntary AD&D*
Dependent Term Life
Life Product Portfolio
Employee AD&D
Voluntary Life
1) Employee AD&D is available with Basic and Supplemental Life
Employee Basic and Optional Term Life
*(Portability) not currently available in all states
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5. Innovative Supplemental Programs
Resource Advisor
Included with group Life plans at no additional cost
Provides employees and family members with resources that may help them achieve a healthier balance including:
24 hour toll-free telephone counseling
Legal/Financial Counseling for employee or their beneficiary
Counseling sessions for an employee’s beneficiary
Access to Online Resources: resources and providers for child care and elder care, legal and financial resource center, excellent articles and links to a myriad of helpful resources
Resource Link is included with Small and Large Group Life plans
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6. Innovative Supplemental Programs
Travel Assistance through Worldwide Assistance Services
Included with Large Group Life/AD&D plans at no additional cost
Provides employees and dependents with resources and information when traveling 100 miles or more away from home
Emergency medical assistance
Travel services
Pre-departure information
24 hour multilingual call center
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7. Flexible Plan Designs Earnings schedules Level amounts
Benefits based on the associate’s wages
Level amounts
Gives all associates the same benefit amount
Employment classification schedules
Benefits based on the associate’s job classification
Length-of-service schedules
Relates the amount of insurance to an associate’s years of service with the company
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8. Competitive Benefit Features
Accelerated Death Benefit feature at no charge
Accidental Death and Dismemberment (AD&D) benefits
Seat belt benefit
Education assistance benefit
Access AdvantageTM Account
Interest-bearing checking account allows beneficiaries to access funds as they need them
Waiver of Premium in the event of a disability
Control Plus Account also provides a interest rate on the checking for money remaining at 6 months and again at 12 months providing the member with bonus dollars derived from the interest.
(Speaker notes…current interest rate for CONTROL PLUS ACCT is 1.30%)
Rates subject to change, etc. Use terminology & disclosure from updated control plus letters/brochures. We’re avoiding “competitive.”
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9. Multiple Funding Options
Pooled
Refund eligible, with or without premium stabilization reserve
Minimum premium
Retrospective premium
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10. Easy Enrollment & Administration
One Anthem Life & Disability Application
All traditional Life products
Dedicated Account Manager as a single point of contact for life and medical
Some joint administration with medical program
Enrollment assistance for voluntary plans
1% discount off medical product when purchased with Life
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11. Superior Claim Service
Dedicated Service Center
99.9% payment accuracy in 2006
98% of claims decisions paid within 30 days in 2006
Average claim turn around time- 3.3days
Call abandonment rate below 2%
94% of all calls answered in less than 30 seconds
Average speed of answer – 9 seconds
Busy rate – 0%
Internal Anthem Life data 2006
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12. Life and Disability products are underwritten by Anthem Life Insurance Company. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In most of Missouri: RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding the city of Fairfax, the town of Vienna and the area east of State Route 123.). In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.
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