2. Doing things differently… Managing General Underwriter Partner with Employee Benefits pros – Brokers and Consultants Proprietary products Benefits Marketing Firm Provide goal-oriented solutions for Benefits Administrators

3. We… HAVE: Experience Over 75 years in voluntary benefits management OFFER: Solutions Implementation management Enrollment services Communications STREAMLINE: Benefits Administration Proprietary products Enrollment options Client service support

4. Let’s talk about product… Voluntary Benefits Short Term Disability Long Term Disability Group Term Life and AD&D Whole Life Critical Illness Accident Employer Paid Benefits Life Disability

5. Changing the game… Our proprietary products are cutting edge: better coverage at a lower cost than traditional worksite carriers.

6. Innovative Disability Products Guaranteed issue at each open enrollment, regardless of hire date No minimum participation requirement – with active enrollment Rates guaranteed for 2 years Issue age rated Telephonic claims intake Future benefit increases at employee’s original issue age Benefits payable in addition to any other STD insurance Immediate waiver of premium for STD claims

7. Voluntary Group Term Life and AD&D Aggressive GI limits for Employee and Dependents Rates guaranteed for 2 years Minimum participation: greater of 10 or 15% with active enrollment Accelerated benefits up to 50% to a $250,000 maximum Waiver of premium included AD&D GI to $500,000 with only 10 enrolled lives AD&D coverage available for Employee and Family

8. Employee Life Option: Whole Life GI for Employee, Spouse, Dependent Children, & Grandchildren Dependents are guaranteed issue without employee election Coverage begins on date application signed Money purchase from $2 to $30 per week Portable and guaranteed renewable Guaranteed cash value and paid-up options Catastrophic Loss Rider for loss of ADLs available in some states

9. Employee Critical Illness Option Simplified Issue with only three health questions Guaranteed Issue with 10% participation Unlimited lifetime maximum Lump sum benefits with positive diagnosis of critical illness Wellness benefit for health screening from $50 to $150 available Children coverage included with employee plan at no additional cost

10. Employee Accident Option GI for employees and dependents with no minimum participation requirement Coverage begins on date of application Competitive benefit pay- outs with emphasis on out-patient benefits Portable and guaranteed renewable for life Riders available to: Cover wellness exams Enhance ER & office visit benefits

11. The American Hospital Association and The American Society for Healthcare Human Resources Administration endorse the Whole Life, Critical Illness, and Accident Options

12. We’re not finished yet. Our value propositions include…

13. Outstanding Support Our team is dedicated to helping our broker partners from prospecting to post-enrollment. And everything in between.

14. Benefits Communication Benefits Guides Multi-media education Marketing materials

15. Turnkey Enrollment Solutions Including web-based, call center, and face-to-face – or a combination thereof Process management from beginning to end Savvy, Experienced Benefits Counselors FBT Advantage…

16. Our solutions are flexible and simple. We are… …Designed to fit your needs.