1. Benefits Plus: A Lead Generation Tool
Group auto and home insurance program
Leverages agency CL and EB relationships to sell more PL
Groups are a unique access point in busy lives
Discounted rates on products everyone needs
Payroll deduction availability
Agency sold: Case sale & policy sale
Full marketing support

2. Benefits Plus: Value Proposition
Unique growth tool for your agency
Combats direct writers, do-not-call lists, internet marketers
Leverages existing agency relationships to sell more PL
Maximizes revenue per client relationship
May help with retention of CL and EB accounts
Great financials
Will help you grow with ALL carriers

3. Benefits Plus: Great Financials
Lower Acquisition Costs
Market in bunches
Leverage group relationship
Discounted rates
Payroll deduction availability (100+ lives)
Higher Retention
Not shopped as often
Portable policies
Better Loss Ratios
Target preferred risks

4. Benefits Plus: Target Employer Accounts
5+ Employees
Bigger the better
Local employers best
Solid Demographics
Better than average pay
Good benefits
Low turnover
Sample Sectors
Good: High Tech, Financial, Medical, Education
Bad: Retail, Contractors

5. Benefits Plus: Defining Key Players Roles
Agents’ Role
Travelers’ Role
Employers’ Role
Identifying prospective accounts
Case sale: Selling employer on the program
Policy sale: Professional quoting, counseling and enrollment services
Possible servicing of account
Program management
Coordination of overall program
Case sales tools
Development of communication pieces and policy sale tools
Reconciliation of payroll deductions
CCC if chosen by agent
24-hour claim handling
Support of the communication efforts
Provide feedback to enhance the program
Facilitation of the payroll deduction interface if payroll is used

6. Benefits Plus: Defining Key Players Roles
Agents’ Role
Travelers’ Role
Employers’ Role
Identifying prospective accounts
Case sale: Selling employer on the program
Policy sale: Professional quoting, counseling and enrollment services
Possible servicing of account
Program management
Coordination of overall program
Case sales tools
Development of communication pieces and policy sale tools
Reconciliation of payroll deductions
CCC if chosen by agent
24-hour claim handling
Support of the communication efforts
Provide feedback to enhance the program
Facilitation of the payroll deduction interface if payroll is used

7. Benefits Plus: Defining Key Players Roles
Agents’ Role
Travelers’ Role
Employers’ Role
Identifying prospective accounts
Case sale: Selling employer on the program
Policy sale: Professional quoting, counseling and enrollment services
Possible servicing of account
Program management
Coordination of overall program
Case sales tools
Development of communication pieces and policy sale tools
Reconciliation of payroll deductions
CCC if chosen by agent
24-hour claim handling
Support of the communication efforts
Provide feedback to enhance the program
Facilitation of the payroll deduction interface if payroll is used

8. Benefits Plus: Retail Similarities And Differences
Different pricing on auto and home (varies by state)
Auto is x% deviation
Another x% auto discount if PRD
Different Commissions
Auto xx% new and xx% renewal
Usually reduced CCC fees
All other commissions the same
Billing Options
All regular billing types are available
PRD with no fees or down payment
EFT with no fees
Products
Underwriting
Business Center
Claims Process

9. Benefits Plus: Retail Similarities And Differences
Different pricing on auto and home (varies by state)
Auto is x% deviation
Another x% auto discount if PRD
Different Commissions
Auto xx% new and xx% renewal
Usually reduced CCC fees
All other commissions the same
Billing Options
All regular billing types are available
PRD with no fees or down payment
EFT with no fees
Products
Underwriting
Business Center
Claims Process

10. Benefits Plus: Success Factors
Existing Agency Relationships
Infrastructure and Desire to Grow PL
Cross-selling Mindset
Process Owner
Current Countrywide Growth is Triple Digits