1. Marketing Benefits Plus Quick Start/Next Steps

2. Content Procedural Overview Review Of Required Forms:
Employer Questionnaire
Marketing Agreement
Code Assignment Form For Agency
Code Assignment Form For New Cases
Ordering Communications
Checklist
Appendix:
Printable copies of all forms

3. Procedural Overview Agent uses case selection grid to select groups
Agent completes Prospective Employer Questionnaire and s or Fax's to the Travelers Sales Executive assigned to the agency.
Travelers Sales Executive will review group characteristics and provide the agent with a response as to whether the group is acceptable.
If the group is acceptable, the Sales Executive will contact the agent with the approval and request the signed Benefits Plus Marketing Agreement (PL-8602 or PL-9498).
The Sales Executive will forward the Prospective Employer Questionnaire, a copy of the signed Benefits Plus Marketing Agreement and the form titled New Benefits Plus Request for Client Code, to the Benefits Plus Unit via to
The Benefits Plus Unit will provide a Benefits Plus Code/Client ID, usually within two to three weeks. The agent can then begin to bind and issue policies.
Payroll Deduction Authorization Forms (PL-8356) are to be completed at the time the insured completes an application for insurance. One copy of this form is to be sent to the employer as evidence of their authorization to make deductions.
EFT Payment Plan Authorization Forms (PL-8355) are to be completed and a copy of a voided check attached and kept with the agent’s file for those policies to be billed as EFT.

4. Forms - Employer Questionnaire (Page 1)
1. Look at total employees to see to get an idea of size of group and qualification for PRD
2. Make sure that employees are in states that we want to write business and the agent is licensed and appointed by Travelers in all states

5. Forms - Employer Questionnaire (Page 2)
Look to see if most are married and over 30
2. Look for average or better than average salaries for your area
3. Turnover under 15% is good anything over that should prompt more questions to figure out why.
4. Look for employers who are willing to help promote the program. The more yes answers the better.

6. Forms - Marketing Agreement (Page 1)
Key reasons to sign the Marketing Agreement:
Protects the agent-lists them as the agent of record
Includes a hold harmless agreement
Keeps Department of Insurance happy
PERSONAL LINES – BENEFITS PLUS
PAYROLL DEDUCTION MARKETING AGREEMENT
This agreement is made and entered into this _______________ day of __________________, 2____ by, and between Travelers, and certain of its affiliate insurance companies engaged in writing business under the Benefits Plus Program defined herein (hereinafter called the “Company”) and _______________________________________________________________________ of _____________________________________________ (hereinafter called the “Sponsor”).
1. Duties and Obligations of the Company
Company will offer a program (Benefits Plus) to eligible employees or members of Sponsor under which said employees or members, meeting Company underwriting requirements, may voluntarily purchase certain personal insurance coverages. An eligible employee is one who is designated as full-time permanent employee of the Sponsor. An eligible member is a current member in good standing of the Sponsor.
B. Company will issue all coverage under the Benefits Plus Program through individual policies of insurance. The Company may refuse to write, cancel, change, or terminate the policy in accordance with the individual policy conditions and Company’s underwriting standards. Further, Company may refuse to write, cancel, change, or terminate policies in accordance with any Company withdrawal from writing any or all lines of personal property-casualty insurance in a state.
C. Company will furnish to Sponsor and employees or members who have insurance under the Small Group Program notice of any material changes to the Benefits Plus Program.
2. Duties and Obligations of Sponsor
A. Sponsor agrees to allow the agent of record for the Benefits Plus Program as specified in Section 2(B) of this Agreement (The “Agent”) to conduct the Benefits Plus Program promotional process which will include those activities indicated below:
an announcement letter reproduced on Sponsor’s stationery and sent by Sponsor to all employees and/or members;
a group meeting at the work site during working hours for the purpose of introducing the Benefits Plus Program:
with mandatory attendance
with voluntary attendance
with management in attendance to introduce the Benefits Plus agent of record;
posters to be placed on employee/member bulletin boards and/or in strategic areas;
brochures and other Benefits Plus materials to be located in an area common to all employees/members;
access to employee/members during working hours via telephone for the purpose of explaining the program, enrolling new participants, providing quotations, handling changes for participants, and the like;
access to employees/members via periodic on-site visits;
access to internal mail distribution facilities for the purpose of promoting the program;
access to internal company publications for the purpose of promoting the program;
access to a list of current employees/members;
Sponsor will provide all new employees/members with Benefits Plus promotional materials as part of new employee/member package.

7. Forms - Marketing Agreement (Page 2)
B. Sponsor agrees to promptly notify the Agent and Company’s Statement Billing Unit of all additions and/or deletions from Sponsor’s employee or member group. The Sponsor shall utilize its best efforts in promptly notifying the Company of any employee or member who terminates employment or membership with the Sponsor, or who does not, for any reason, have sufficient monies from which the proper amount for payment of premium can be deducted. The Sponsor shall not be held liable for failure to make such deduction, unless that failure is either reckless or willful.
C. Sponsor will honor payroll or account deduction authorizations acceptable to Company that have been executed by eligible employees or members under the Benefits Plus Program. In the event employee or member of Sponsor authorized Sponsor to payroll or account deduct their premiums, Company will provide Sponsor with such billing statements on a monthly basis or on such basis as agreed to by the parties. Sponsor will remit all deducted premiums to Company within ___ days from the date Sponsor deducts the premium from its employee’s payroll or its member’s account. Sponsor assumes no responsibility under this agreement for the payment of any premium owed by an employee or member of Sponsor insured by the Company; provided, however, that all premium collected by Sponsor via payroll or account deduction is the property of Company and Sponsor is responsible for remitting the premium to Company and for holding such premium as a fiduciary until the premium is remitted.
D. It is agreed that ________________________________________________ of ____________________________ will be the agent of record for the Benefits Plus Program subject to the terms of the Agent Agreement entered into by Agent of Record and Company in relation to the Benefits Plus Program. Sponsor agrees not to replace said Agent of Record with a new agent except for good cause. Sponsor will not replace said Agent of Record unless Company consents to such replacement, which consent will not be unreasonably withheld.
Effective Date
This Agreement will take effect on ____________________, 2____.
4. Termination
Either the Sponsor or the Company may terminate this Agreement subject to ninety (90) days prior written notice to the other party, unless both Sponsor and Company mutually agree to a different period.
5. Eligibility
As a condition of eligibility, each employee/member at the time of application for insurance shall authorize the Sponsor or Company to deduct from his/her payroll or account an amount sufficient to permit payment of the total premiums due the Company for such insurance.
6. Limitations Imposed on Company
Company will use Sponsor provided employee or member lists or policyholder records only for the solicitation of personal lines insurance under the Benefits Plus Program. Unless specifically authorized by Sponsor in writing, Company will not use such records for any other purpose not agreed to by the parties, including the sale or sharing of records with third parties. Notwithstanding the foregoing, the parties understand and acknowledge that the use and control of the policy expirations and records related to business written under the Benefits Plus Program will reside in the undisputed possession and ownership of either the Agent of Record or Company, as provided for in the Agent Agreement entered into by Agent of Record and Company.

8. Forms - Marketing Agreement (Page 3)
7. Limitations Imposed on Sponsor
Sponsor is not an insurance agent and shall not act as an insurance agent under the Benefits Plus Program.
8. Indemnification
Company agrees to indemnify and hold harmless Sponsor from and against any claims, damages, cost, and expenses, including reasonable attorney fees, arising out of any acts, errors, or omissions of Company in the performance of its obligations under this Agreement.
9. Amendments
This Agreement may be amended, modified, or supplemented only by written agreement signed by each of the parties hereto.
10. Entire Agreement
This Agreement constitutes the entire agreement between the parties relating to the matters contained herein and supersedes all previous communications, representations, or agreements, either oral or written, with respect to the subject matter hereof.
IN WITNESS WHEREOF, the parties have executed this agreement as of the date first written above.
Sponsor: _______________________________ Company: _________________________________
_______________________________________ ____________________________________________
By:____________________________________ By:__________________________________________
Name: _________________________________ Name: _______________________________________
Title: __________________________________ Title: _________________________________________

9. Forms – Agency Appointment Form
For new Benefits Plus agents
Only needs to be completed once per agency
Forward to Pat Lawlor when complete
BENEFITS PLUS AGENCY APPOINTMENT FORM
Regional Office: Date:
Agency Manager: Phone:
Agency Name:
Address:
Phone: Fax:
Primary Agency Contact:
Address:
Travelers Retail Code:
Does this agency have another payroll deduction program? Yes No
___________________________________________________________________
For Benefits Plus Area Use Only
Benefits Plus Agency Code: Date Assigned

10. Forms – Request for Client Code
Complete for each new case
Forward to Pat Lawlor when complete

11. How to Order Communication Material
Go to
Click on Agents/Brokers on the right hand menu
Click on Agents HQ under the access agent and broker services
Log on to secured systems
Sign in as you normally do ID
Password
Pin
Click on Sales & Marketing Tab
Click on Order Brochures & Forms
Enter address
Select order Travelers Marketing Support Material
Click on Submit
Click on Yes
If you know the item number, enter it in the search box. If you don’t, click on Category
Click on Benefits Plus
To view an item, click on the PL #
Enter Quantity desired (maximum allowed is 100 pieces)
Click on add item
If the item allows an imprint and imprint screen will pop up
Complete form
Preview item
If preview looks okay, click on add item
You can continue shopping or if that is all you want click on checkout
Your mailing address should automatically fill in.
Review to make sure it is accurate
Click on next
Select shipping options
Fill in shipping address
Verify that order is correct
Click submit
If you need to order more than 100 pieces of any item, please contact Pat Lawlor at or by phone at

12. Checklist Review case selection checklist to select group
Complete the employer questionnaire
Submit to Travelers Sales Executive
Marketing agreement signed by employer and submit to Sales Executive
Codes set up by Benefits Plus team (two week for non payroll programs three weeks for payroll deduct)
Work on developing marketing plan and launch date
Order Communications
sent to agent and SE with group code
Launch Program
Remarket, remarket, remarket!

13. All forms can be found in the Benefits Plus Library
Appendix
Employer Questionnaire
Marketing Agreement
Payroll deduct
Non payroll deduct
Code Assignment Form – For Agent
Code Assignment Form – For New Cases
Adding BP Results to Lotus Notes
All forms can be found in the Benefits Plus Library

14. PERSONAL LINES – BENEFITS PLUS PAYROLL DEDUCTION MARKETING AGREEMENT
This agreement is made and entered into this _______________ day of __________________, 2____ by, and between Travelers, and certain of its affiliate insurance companies engaged in writing business under the Benefits Plus Program defined herein (hereinafter called the “Company”) and _______________________________________________________________________ of _____________________________________________ (hereinafter called the “Sponsor”).
1. Duties and Obligations of the Company
Company will offer a program (Benefits Plus) to eligible employees or members of Sponsor under which said employees or members, meeting Company underwriting requirements, may voluntarily purchase certain personal insurance coverages. An eligible employee is one who is designated as full-time permanent employee of the Sponsor. An eligible member is a current member in good standing of the Sponsor.
B. Company will issue all coverage under the Benefits Plus Program through individual policies of insurance. The Company may refuse to write, cancel, change, or terminate the policy in accordance with the individual policy conditions and Company’s underwriting standards. Further, Company may refuse to write, cancel, change, or terminate policies in accordance with any Company withdrawal from writing any or all lines of personal property-casualty insurance in a state.
C. Company will furnish to Sponsor and employees or members who have insurance under the Small Group Program notice of any material changes to the Benefits Plus Program.
2. Duties and Obligations of Sponsor
A. Sponsor agrees to allow the agent of record for the Benefits Plus Program as specified in Section 2(B) of this Agreement (The “Agent”) to conduct the Benefits Plus Program promotional process which will include those activities indicated below:
an announcement letter reproduced on Sponsor’s stationery and sent by Sponsor to all employees and/or members;
a group meeting at the work site during working hours for the purpose of introducing the Benefits Plus Program:
with mandatory attendance
with voluntary attendance
with management in attendance to introduce the Benefits Plus agent of record;
posters to be placed on employee/member bulletin boards and/or in strategic areas;
brochures and other Benefits Plus materials to be located in an area common to all employees/members;
access to employee/members during working hours via telephone for the purpose of explaining the program, enrolling new participants, providing quotations, handling changes for participants, and the like;
access to employees/members via periodic on-site visits;
access to internal mail distribution facilities for the purpose of promoting the program;
access to internal company publications for the purpose of promoting the program;
access to a list of current employees/members;
Sponsor will provide all new employees/members with Benefits Plus promotional materials as part of new employee/member package.

15. B. Sponsor agrees to promptly notify the Agent and Company’s Statement Billing Unit of all additions and/or deletions from Sponsor’s employee or member group. The Sponsor shall utilize its best efforts in promptly notifying the Company of any employee or member who terminates employment or membership with the Sponsor, or who does not, for any reason, have sufficient monies from which the proper amount for payment of premium can be deducted. The Sponsor shall not be held liable for failure to make such deduction, unless that failure is either reckless or willful.
C. Sponsor will honor payroll or account deduction authorizations acceptable to Company that have been executed by eligible employees or members under the Benefits Plus Program. In the event employee or member of Sponsor authorized Sponsor to payroll or account deduct their premiums, Company will provide Sponsor with such billing statements on a monthly basis or on such basis as agreed to by the parties. Sponsor will remit all deducted premiums to Company within ___ days from the date Sponsor deducts the premium from its employee’s payroll or its member’s account. Sponsor assumes no responsibility under this agreement for the payment of any premium owed by an employee or member of Sponsor insured by the Company; provided, however, that all premium collected by Sponsor via payroll or account deduction is the property of Company and Sponsor is responsible for remitting the premium to Company and for holding such premium as a fiduciary until the premium is remitted.
D. It is agreed that ________________________________________________ of ____________________________ will be the agent of record for the Benefits Plus Program subject to the terms of the Agent Agreement entered into by Agent of Record and Company in relation to the Benefits Plus Program. Sponsor agrees not to replace said Agent of Record with a new agent except for good cause. Sponsor will not replace said Agent of Record unless Company consents to such replacement, which consent will not be unreasonably withheld.
Effective Date
This Agreement will take effect on ____________________, 2____.
4. Termination
Either the Sponsor or the Company may terminate this Agreement subject to ninety (90) days prior written notice to the other party, unless both Sponsor and Company mutually agree to a different period.
5. Eligibility
As a condition of eligibility, each employee/member at the time of application for insurance shall authorize the Sponsor or Company to deduct from his/her payroll or account an amount sufficient to permit payment of the total premiums due the Company for such insurance.
6. Limitations Imposed on Company
Company will use Sponsor provided employee or member lists or policyholder records only for the solicitation of personal lines insurance under the Benefits Plus Program. Unless specifically authorized by Sponsor in writing, Company will not use such records for any other purpose not agreed to by the parties, including the sale or sharing of records with third parties. Notwithstanding the foregoing, the parties understand and acknowledge that the use and control of the policy expirations and records related to business written under the Benefits Plus Program will reside in the undisputed possession and ownership of either the Agent of Record or Company, as provided for in the Agent Agreement entered into by Agent of Record and Company.

16. 7. Limitations Imposed on Sponsor
Sponsor is not an insurance agent and shall not act as an insurance agent under the Benefits Plus Program.
8. Indemnification
Company agrees to indemnify and hold harmless Sponsor from and against any claims, damages, cost, and expenses, including reasonable attorney fees, arising out of any acts, errors, or omissions of Company in the performance of its obligations under this Agreement.
9. Amendments
This Agreement may be amended, modified, or supplemented only by written agreement signed by each of the parties hereto.
10. Entire Agreement
This Agreement constitutes the entire agreement between the parties relating to the matters contained herein and supersedes all previous communications, representations, or agreements, either oral or written, with respect to the subject matter hereof.
IN WITNESS WHEREOF, the parties have executed this agreement as of the date first written above.
Sponsor: _______________________________ Company: _________________________________
_______________________________________ ____________________________________________
By:____________________________________ By:__________________________________________
Name: _________________________________ Name: _______________________________________
Title: __________________________________ Title: _________________________________________

17. PERSONAL LINES – BENEFITS PLUS
MARKETING AGREEMENT
This agreement is made and entered into this _______________ day of __________________, 2____ by, and between Travelers, and certain of its affiliate insurance companies engaged in writing business under the Benefits Plus Program defined herein (hereinafter called the “Company”) and ___________________________________________________________________________________ of _______________________________________________________
(hereinafter called the “Sponsor”).
1. Duties and Obligations of the Company
Company will offer a program (Benefits Plus) to eligible employees or members of Sponsor under which said employees or members, meeting Company underwriting requirements, may voluntarily purchase certain personal insurance coverages. An eligible employee is one who is designated as full-time permanent employee of the Sponsor. An eligible member is a current member in good standing of the Sponsor.
Company will issue all coverage under the Benefits Plus Program through individual policies of insurance. The Company may refuse to write, cancel, change, or terminate the policy in accordance with the individual policy conditions and Company’s underwriting standards. Further, Company may refuse to write, cancel, change, or terminate policies in accordance with any Company withdrawal from writing any or all lines of personal property-casualty insurance in a state.
Company will furnish to Sponsor and employees or members who have insurance under the Benefits Plus Program notice of any material changes to the Benefits Plus Program.
2. Duties and Obligations of Sponsor
A. Sponsor agrees to allow the agent of record for the Benefits Plus Program as specified in Section 2(B) of this Agreement (The “Agent”) to conduct the Benefits Plus Program promotional process which will include those activities indicated below:
an announcement letter reproduced on Sponsor’s stationery and sent by Sponsor to all employees and/or members;
a group meeting at the work site during working hours for the purpose of introducing the Benefits Plus program,
with mandatory attendance
with voluntary attendance
with management in attendance to introduce the Benefits Plus agent of record;
posters to be placed on employee/member bulletin boards and/or in strategic areas;
brochures and other Benefits Plus materials to be located in an area common to all employees/members;
access to employee/members during working hours via telephone for the purpose of explaining the program, enrolling new participants, providing quotations, handling changes for participants, and the like;
access to employees/members via periodic on-site visits;
access to internal mail distribution facilities for the purpose of promoting the program;
access to internal company publications for the purpose of promoting the program;
access to a list of current employees/members;
Sponsor will provide all new employees/members with Benefits Plus promotional materials as part of new employee/member package.

18. It is agreed that ___________________________________________ of _______________________ will be the agent of record for the Benefits Plus Program subject to the terms of the Agent Agreement entered into by Agent of Record and Company in relation to the Benefits Plus Program. Sponsor agrees not to replace said Agent of Record with a new agent except for good cause. Sponsor will not replace said Agent of Record unless Company consents to such replacement, which consent will not be unreasonably withheld.
3. Effective Date
This Agreement will take effect on ____________________, 2____.
4. Termination
Either the Sponsor or the Company may terminate this Agreement subject to ninety (90) days prior written notice to the other party, unless both Sponsor and Company mutually agree to a different period.
5. Limitations Imposed on Company
Company will use Sponsor provided employee or member lists or policyholder records only for the solicitation of personal lines insurance under the Benefits Plus Program. Unless specifically authorized by Sponsor in writing, Company will not use such records for any other purpose not agreed to by the parties, including the sale or sharing of records with third parties. Notwithstanding the foregoing, the parties understand and acknowledge that the use and control of the policy expirations and records related to business written under the Benefits Plus Program will reside in the undisputed possession and ownership of either the Agent of Record or Company, as provided for in the Agent Agreement entered into by Agent of Record and Company.
6. Limitations Imposed on Sponsor
Sponsor is not an insurance agent and shall not act as an insurance agent under the Benefits Plus Program.
7. Indemnification
Company agrees to indemnify and hold harmless Sponsor from and against any claims, damages, cost, and expenses, including reasonable attorney fees, arising out of any acts, errors, or omissions of Company in the performance of its obligations under this Agreement.
8. Amendments
This Agreement may be amended, modified, or supplemented only by written agreement signed by each of the parties hereto.
9. Entire Agreement
This Agreement constitutes the entire agreement between the parties relating to the matters contained herein and supersedes all previous communications, representations, or agreements, either oral or written, with respect to the subject matter hereof.
IN WITNESS WHEREOF, the parties have executed this agreement as of the date first written above.
Sponsor: _______________________________ Company:______________________________
________________________________________
By: ____________________________________ By: ___________________________________
Name: _________________________________ Name: _________________________________
Title: __________________________________ Title: __________________________________

19. BENEFITS PLUS AGENCY APPOINTMENT FORM For Benefits Plus Area Use Only
Regional Office: Date:
Agency Manager: Phone:
Agency Name:
Address:
Phone: Fax:
Primary Agency Contact:
Address:
Travelers Retail Code:
Does this agency have another payroll deduction program? Yes No
___________________________________________________________________
For Benefits Plus Area Use Only
Benefits Plus Agency Code: Date Assigned

21. Adding a New Database to Your Lotus Notes
There are three ways that you can add a database to your Lotus Notes workspace.
The first and easiest way to add a database is to have somebody send you a link to it. When the link arrives in your , it should have the file extension “.ndl.” Before double-clicking on the link, you must first open up Lotus Notes, come back to the , and double-click on the link. Select open and it will automatically launch the database. When you close the database, the database icon will remain on your desktop.
Training documentation and links to icons can also be found on the MRC/FSRC. All Lotus Notes materials can be found under the “Increase Productivity” section. Find the database you are looking for and you can add the link from here. This requires that you have an existing link to the MRC.
If you know which server your database is located on, you can also add the database from Lotus Notes. Most PL databases are on the Notes 035 server, see the list below.
Agent Connect Notes 039
Agency Call Reporting Notes 035
Benefits Plus Notes 035
Priorities Notes 035
Profit Sharing Notes 035
MRC / FSRC Notes 035
PL Production – Western Notes 035
PL Preferred Programs Notes 035
BAMM Notes 035

22. From Lotus Notes go to File (upper left corner)-Database-Open.
From the drop-down box select the server where your database is located.
In the “Database” box scroll down to the yellow folder labeled “PL”
Double click on the PL folder, and find the database you are looking for. Highlight your database and select the “Open” button, which will launch the database. When the database is closed, the icon will remain on your Lotus Notes desktop.
In the “Database” box scroll down to the yellow folder labeled “PL”
Double click on the PL folder, and find the database you are looking for. Highlight your database and select the “Open” button, which will launch the database. When the database is closed, the icon will remain on your Lotus Notes desktop.

23. Creating a Database Link to Send Through Email
Open Lotus Notes and Right Click on the database you would like to send.
Scroll down to “Database” - and scroll over to “Copy as Link”
Go to the Start Menu and click on “Programs” - “Accessories”- “Notepad.”

24. Right click in the notepad and select “Paste”
This will paste a formula in the notepad.
Go to File-save and save the notepad as the database name followed by the file extension “.ndl”
Attach the file you have just created to an and send it off.