Exeter Friendly Society training program

1. Exeter Friendly Societytraining program Age on Entry Pricing Preferred & Low Cost Shared Care Interplan Euro Interplan Worldwide

2. Exeter Friendly Society • CONTENT • Who we are • Why choose us • How we support Intermediaries • What makes us different • Members can join up to 80th birthday • Our GP helpline service • Our individual underwriting policy • The way we treat pre-existing conditions • Our range of plans • Summary

3. Who we are • Specialists in individual PMI • No corporate or switch business • Established in 1927 • Almost 80 years of experience • Friendly Society • Not for profit just for members • Located in Devon • Members in the UK and in over 100 countries throughout the world • Office in Alicante (Javea) • Committed to supporting our intermediary channel

4. Why intermediaries choose us • Simple to explain schemes • With no complicated no claims or starter discounts or loading of premiums after making a claim • Our experience and reputation • Downloadable documentation including premium tables • Attractive commission rates • Higher renewal levels from loyal customer base • Our superior service levels “I have used Exeter Friendly Society for over 10 years and I am delighted with their service levels.” P. Taylor, Bridgwater

5. Why choose us • OUR SUPERIOR SERVICE LEVELS • Fast and efficient turn around of applications and queries • We aim for same day action for correspondence and queries • Apply online, post, fax or telephone • Mori option or • FMD (normally underwritten in 5 working days or less) • Invoices processed within 10 working days • Including overseas • We look after your customers • And we keep you informed

6. Why customers choose us and stay with us longer • We treat customers fairly • No surprises at renewal or after making a claim • Fair and individual underwriting policy • Clear benefits and restrictions • Wide choice of hospitals • Join up to the day before 80th birthday • We treat customers as individuals • The ‘Friendly’ society • No automated or call centre telephone answering • Telephone claims authorisation • Oncology support team • Free 24hr private GP helpline service

7. Dedicated intermediary team Regular contact and support Intermediary support desk Tailored training sessions Presentations Sales aids One 2 One Online application facilities Marketing support Customisable leaflets and posters Trackable weblinks Joint advertising Intermediary Support

8. What makes us different -eligible policy ages • Join up to 80th birthday • No upper age limit for renewals • Dependent children covered from 3 months to 21 years • Continuous cover available 21- 25 yrs at 50% discount

9. What makes us different -GP helpline • 24/7 private GP helpline service • Call & quote policy no. • Trained operator will take details & arrange for private GP to call back at convenient time Customers can discuss their concerns, obtain a 2nd opinion or request clarification

10. What makes us different -online applications Mori & FMD • Moratorium • Quick and easy (no health forms) • Fast and easy especially when applying online • Underwritten and investigated at time of claim • Not covered • Any conditions/symptoms in last 5 years • whether diagnosed or not, plus • ANY related conditions/symptoms Members covered for pre-existing conditions after 2 continuous years of non recurrence

11. What makes us different -our individual underwriting policy • Full medical declaration (FMD) • Apply online, post or fax • Complete detailed health questionnaire • Online or offline • Terms usually issued in 5 working days • Pre-existing conditions/symptoms excluded • Our fair and individual underwriting policy Customer knows in advance which conditions are excluded

12. What makes us different -how we treat pre-existing conditions • Pre-existing conditions or symptoms are not covered • ‘Related’ conditions and symptoms also generally not covered • Our fair and individual underwriting policy • We assess each application and tailor exclusions for related conditions according to our assessment of the individual risk See examples of how we underwrite hypertension

13. Example 1 • John • 50+ with mild hypertension • Under control with medication • Fit, not overweight and a non smoker • Exclude • Investigations and treatment of hypertension • Cover • Strokes & heart attacks

14. Example 2 • Jane • 60+ with hypertension • Also suffers from angina, takes several medications • Doesn’t exercise and smokes 20 a day • Exclude • Investigations and treatment of hypertension, also • Investigations and/or treatment of angina and strokes

15. Exeter Friendly Societytraining program Interplan Euro Interplan Worldwide Age on Entry Pricing Preferred & Low Cost Shared Care

16. 4 Traditional plans with Age on Entry pricing Preferred & Low Cost Shared Care Interplan Worldwide Interplan Euro

17. What is Age on Entry pricing What does it really mean? • Between the ages of 35 and 65 premiums will typically rise by 175% • Insurance premiums rise most rapidly as customers reach 65+ • Source ABI Guide But with our Age on Entry pricing ‘the age you join is the age you stay’

18. Age on entry cost benefits Premiums based on age at renewal Premiums based on fixed age at entry Fixed age at entry premiums for a 65 year old joining Exeter Care Preferred, Level 2 in 1997 compared with the cost of premiums for the same cover based on age at renewal

19. Exeter Care Preferred & Low Cost 2 traditional plans with in/day patient private hospital treatment • Preferred plan • Full refund for in/day patient hospital treatment* • Consultations up to £600 & diagnostics up to £1750 • Oncology up to £15K p.a. • Low Cost plan • Full refund for in/day patient hospital treatment** • Consultations & diagnostics limited to £275 • Oncology up to £10K p.a. • Both • NHS hospital cash benefit £100 per day up to £2K • 5% - 35% discount for £100-£1,000 voluntary excesses • 5% discount for annual direct debit • FMU & MORI Free 24hr GP Helpline No age related increases * up to 140 days per year ** up to 70 days per year

20. Exeter Care – Table of benefits For full details about all other benefits see policy document

21. Shared Care Affordable co-responsibility plan • Customer chooses to pay 25% or 50% of treatment costs • Responsibility capped at £5K & £10K if eligible (Within eligible benefit limits) benefits available • Ideal for customers with savings or ISAs • Core • In/day/out patient up to £100K in any EEA country (Fully Shared Payment) • Oncology up to £15K p.a. (Fully Shared Payment) • Option A • Consultations & diagnostics up to £5K (Fully Shared Payment) • Option B • Complementary treatment (physio/osteo etc) • Home nursing • Private ambulance Low inflation increases 5% discount for annual Direct debit Free 24hr GP Helpline No age related increases

22. Shared Care - Table of benefits For full details about all other benefits see policy document

23. Interplan Euro Designed for expats & nationals living in Spain, Portugal & other EEA countries • Ideal for those living in multiple countries including partly in UK • Choice of 4 benefit levels • Select most appropriate • All premiums, benefits, claims and commissions payable in Euros • Pay annually or quarterly by credit card • 5% discount for annual direct debit (Spanish or Portuguese bank a/c only) • Other discounts available • 5%-25% discount for 150-1,000 Euros voluntary excesses Free 24hr GP Helpline No age related increases

24. Interplan Euro – Table of benefits For full details about all other benefits see policy document

25. Interplan Worldwide Designed for expats and nationals living abroad • Available on a roaming basis in all countries except USA & Bahamas • Domiciled exclusions are USA, Bahamas, Switzerland, Southern Ireland, Holland, Kenya and France • 5 different levels of benefits • Choose the most appropriate for the relevant country • We can suggest but we do recommend taking local advice • Discounts available • 7.5%-17.5% discount for £100-£500 voluntary excesses • 5% discount for annual direct debit from UK bank a/c Free 24hr GP Helpline No age related increases

26. Interplan Worldwide – Table of benefits For full details about all other benefits see policy document *per condition per annum

27. Summary • Include Exeter Friendly Society within your portfolio • Explain our plan benefits to your customers • Take advantage of our excellent customer service • Take a fresh look at our uncomplicated plans • Try our online application facility • Experience our superior support

28. Talk to us • We want to help • make your life easier • generate more business • convert more quotes • close more sales Intermediary.support@exeterfriendly.co.uk Intermediary Support 0845 034 3333

29. Exeter Friendly Society Limited, Lakeside House, Emperor Way, Exeter EX1 3FD All plans are underwritten and administered by Exeter Friendly Society Limited, which is incorporated in England under the Friendly Societies Act 1992, registered number 91F, registered address: Lakeside House, Emperor Way, Exeter EX1 3FD. Exeter Friendly Society Limited is authorised and regulated by the Financial Services Authority, registered number 205309. FSA registration can be checked at http://www.fsa.gov.uk/register or call the FSA on 0845 606 1234. The name Go Private is a registered trade mark of Go Private Limited, a wholly-owned subsidiary of Exeter Friendly Society Limited. The trade mark is used under licence by Exeter Friendly Society Limited. Telephone calls may be recorded for quality assurance and training purposes.