1. Presented by InnoBenefits Mitchell Besvinick May 30, 2007

2. …what value do I bring to my customers?

3.  Don’t be a rep, be a solution  A rep is column 5 on a spreadsheet  Reps are expendable

4.  Know your limitations  Sell the process, not the product  Access to accurate information and solutions

5.  Know your competition and how you are different  Understand the process of Group Supplemental HI  Rollover, Rollover, Rollover

6.  SRC/Aetna  Starbridge/Cigna  Foundation One/American Fidelity  TransChoice/Transamerica  HM Benefits  Optimed  Nationwide  PanAmerican  American Worker Plan  Etc., etc., etc.

7.  Scheduled Benefit Plan  National PPO  Easy to do business with  National PBM  Depth of products available

8.  Mini-Medical  HIP  Middle Medical  Limited Medical A reduced benefit, reduced cost health insurance program

9.  Scheduled benefit plans ◦ Built from hospital indemnity plans ◦ Pre-determined benefit amounts ◦ Schedule benefits ◦ Reimbursement/Direct Pay of benefits

10.  Usual and customary (UCR) plans ◦ Usually include deductibles and co- payments ◦ Built on major medical platform ◦ Reduced benefits to fit pricing and risk constraints ◦ In-network and out-of network benefits ◦ Balanced billing

11.  Retail Stores  Convenience / Grocery Stores  Health Services industries  Restaurants  Hotels / Motels  Janitorial Services  Landscaping / Lawn Services  Staffing Companies  Associations (1099 employees) Actually…any group is a prospect!

12.  Voluntary plans  Employer funded plans  Layering policies  Extending major medical eligibility  New state benefit requirements  Etc., Etc., Etc.

13. Underwrite Promote Administer Fulfill Limited Indemnity Plans and other voluntary products

14. Consult Design Implement Administer Limited indemnity plans and other voluntary products via inbound/outbound call center and other enrollment solutions

15. This combination ensures a successful result ConsultDesignImplementAdminister

16. Consult Design Implement Administer Evaluate carrier/market plan designs Research and detail demographic data Evaluate company logistics Geo-access medical providers for PPO Geographic medical cost evaluations

17. Consult Design Implement Administer Benefits Offered* Dual option limited medical plans Dental Plans Vision STD Life Insurance Critical Illness Traditional voluntary products Most benefits Guaranteed Issue No participation requirements Most plans Section 125 eligible *Benefits vary by carrier

18. Consult Design Implement Administer Medical Plan Benefits* Daily Hospital Room and Board Doctor’s Office Visits Inpatient and Outpatient Surgery Anesthesia X-ray and lab benefits Critical Illness Benefit Prescription Drug Benefit Supplemental Accident Benefit Wellness Benefit PPO *Benefits vary by carrier

19. Consult Design Implement Administer Simple to understand No deductibles No annual dollar maximum No pre-existing conditions (except maternity) Provides “First Dollar Coverage” Comprehensive list of covered services Can be offered as Hi/Lo employee option Freedom to go to any doctor or hospital (PPOs available) Rate stable

20. Consult Design Implement Administer Preparation for Enrollments Detailed timeline development Develop technology and business infrastructure Develop comprehensive enrollment strategy Place experienced, trained and licensed enrollers at call center Develop, design and print research-based communication materials

21. Consult Design Implement Administer Conduct initial and annual open enrollment Educate employees on benefit options (what it is and what it is not) On-going/new hire enrollment support

22. Consult Design Implement Administer Orchestrate administrative flow with carrier and client Eligibility tracking Test and double check

23.  Share information with employees  Make a payroll deduction  Forward file and monies to carrier We/You do all the rest

24.  Request proposals  Recommend carrier of choice  Participate in conference calls  Observe the process  Sell more cases Collect Commissions!

25.  Experts in Limited Medical Plans  Large/brand recognized references  Nationally recognized consulting group  Access to custom administrative solutions  No competition to brokers