Who is Forester Benefits?

2. Who is Forester Benefits? • Managing General Underwriter • Partner with Benefit Brokers to provide voluntary benefits and employer-paid life and disability • Enrollment Solution Provider for both core and voluntary benefits And what do we offer that sets us apart?

3. What products do we offer? • Short Term Disability • Long Term Disability • Group Term Life and AD & D • Whole Life • Critical Illness • Accident Both voluntary and employer-paid options.

4. How can our products increase your production? • Guaranteed Issue – year in and year out during annual open enrollment for short-term disability, long-term disability and accident • Issue age rates • No minimum % participation on most plans • Very few ineligible industries • Quick and easy proposal process They offer better coverage and lower cost than traditional worksite carriers.

5. Cutting Edge Disability Products • Guaranteed Issue with no minimum participation requirement – 2 year benefit duration on LTD • Issue age rated -- Rates are locked in for employees that change age bands • Future benefit increases are at employee’s original issue age Guaranteed Issueat each annual enrollment regardless of hire date.

6. Voluntary Group Term Life and AD&D • Minimum participation – greater of 6 or 20% of eligible employees • Accelerated benefit up to 80% to a maximum of $250,000 • Waiver of premium • AD&D – both employee and family coverage available Guaranteed Issue for employee, spouse, and children

7. Employee Life Option – Whole Life • Dependents can be insured without employee coverage - GI • Money purchase of $2 - $25 per week • Individual guaranteed renewable and portable • Guaranteed cash value and paid-up options • Catastrophic Loss Rider available in some states Guaranteed Issue for employee, spouse, dependent children and grandchildren

8. Employee Critical Illness Option • Guaranteed issue for groups of 100 or more eligible employees • Lump sum benefit for cancer, heart attack, stroke, major organ transplant, renal failure and more • Reoccurrence and additional occurrence benefits paid • $50 wellness benefit for health screening • Children covered at 25% of employee coverage at no additional cost Simplified Issue with only three health questions. Unlimited lifetime maximum

9. Employee Accident Option • Competitive benefit pay-outs • Coverage begins on application date • Portable and guaranteed renewable for life • Riders available to cover wellness exams and to enhance ER and office visit benefits Guaranteed Issue for employees and dependents.

10. Whole Life, Critical Illness and Accident Options are endorsed by the American Hospital Association and the American Society for Healthcare Human Resources Administration

11. Our Value-Added Services • Process management from start to finish • Voluntary and/or core enrollment • Trained enrollers who know and understand the products • Face-to-face, call center or online enrollment options • Comprehensive benefit and enrollment handbooks • Posters, paycheck stuffers, hidden paycheck statements Enrollment Management Benefits Communication Implementation Management

12. Thank you for your time Request a proposal today at www.foresterbenefits.com We look forward to partnering with you!