Independent ~ Proven Experience ~ Market Strength

1. Unlock Your Benefits Administration and Enrollment Potential With . . . Independent ~ Proven Experience ~ Market Strength Presentation for UNION COUNTY PUBLIC SCHOOLS, TENNESSEE August 2, 2011

2. LOCATIONS Taylor & Sons of Tennessee, LC 134 Carriage House Drive, Suite 6 Jackson, Tennessee 38305 Other office locations: Hammond, Louisiana West Monroe, Louisiana Kansas City, Missouri Columbia, Missouri Natchez, Mississippi Independent ~ Proven Experience ~ Market Strength

3. OUR SERVICES • Employee Benefit Portal • Electronic Enrollment with one-on-one counseling • T & S will provide substitutes • Our Benefit Representatives are not paid a commission • We are totally independent • T & S provides live Customer Service. You are not told to contact the carrier. • You can call: 1-888-908-2637 Independent ~ Proven Experience ~ Market Strength

4. My Benefits Portal Your employee benefits on line. Available to you 24/ 7. 4

6. TCRS and Union County Public Schools Analysis of coverage 6

7. Disability retirement: TCRS • Provided disability benefits are a component of your state retirement pension plan. • Benefits vary if incurred off the job or on the job. • Benefits can vary by length of service. • Approval for benefits is not automatic. • The application process normally takes 2-3 months. • Disability defined: • Benefits are designed to provide a secure income to you if you become sick or injured, can no longer perform the essential duties of your job, and have a condition that is permanent in nature. 7

8. Disability benefits Analysis of coverage 8

11. Highlights of Disability Plan 1. Provides employees with greater flexibility to customize disability plan 2. Employee can choose from 6 Elimination Period options 3. Employee can elect increments of $100 up to 67% of covered income up to $7,500 per month 4. First 12 months of disability does not offset with any sources of income  Educator Plus 5. 1st Day Hospital Benefit: If Elimination Period is 30 days or less, the Elimination Period is waived for in patient admittance (i.e.. Pregnancy)  Educator Plus

12. Highlights of Disability Plan continued.. 6. Minimum benefit is 25%  Educator Plus 7. Limited Pre-Existing Benefit: 3 month benefit is payable if disability is determined to be a pre-existing condition  Educator Plus 8. Extended Disability: Additional benefit amount paid for 5 years beyond maximum durations if 2 of 5 ADL’s cannot be met

13. Comparison of rates – $36k salary, $1,800 benefit Keep in mind these plans automatically combine short and long-term coverage. 13

14. Financial strength 14

15. Group Life benefits Analysis of coverage 15

16. Base Life and AD&D • Your Base Life and AD&D benefit will now be provided by Reliance Standard. • Your new benefit amount will be $12,000 life and accidental death and dismemberment. 16

17. Voluntary Life benefits Analysis of coverage 17

18. Key provisions 18

20. RECOMMENDATION – RELIANCE STANDARD Rates are 20% to 40% lower on every age band than in force plan The maximum benefit level is increased from $300,000 to $500,000 There is no salary limitation on the benefit amount for employees Guarantee Issue Amount is increased from $100,000 to $200,000 for employees Guarantee Issue Amount for spouse is increased from $30,000 to $50,000 Spouse only coverage allowed Spouse not capped at 50% of employee amount Spouse can elect amount up to $500,000 Age reduction doesn’t begin until age 75 for employee. Which is increased from 65 under the current plan Portability included 20

21. Permanent Life benefits Analysis of coverage

22. Winston Churchill said: “If I had my way I would write the word insurance over the door of every house, because I am convinced that for the sacrifices which are considerably small, families can be secured against catastrophes which would otherwise smash them forever.” 22

23. Will Rogers said: “A man who dies without adequate life insurance should have to come back and see the mess he created.” 23

24. Why do employees prefer permanent life insurance made available at work? • Individually owned policy that follows an employee into their retirement years with premiums that will not increase with age. • What is the annual % of death claims paid by life insurance? • Permanent life: 97% • Term life: 3% 24

25. Fidelity Lifetime Life Insurance & Long-Term Care This is the most ECONOMICAL and EASIEST way to buy LTC COVERAGE! Life Insurance w/Guaranteed Rates to age 120 • Guaranteed rates to age 120, portable and individually-owned! Other Group Life coverage decreases with age and premiums increase. Long-Term Care Protection to age 120 • Pays 4% of Face Amount paid monthly for up to 75 months (6+ Years)! Accelerated Death Benefit for Terminal Illness • Automatically included, 50% of Face Amount advanced if diagnosed with a terminal illness Independent ~ Proven Experience ~ Market Strength 25

26. Fidelity Lifetime Life Insurance & Long-Term Care Future Purchase Option • Protects future insurability, opportunity to increase coverage on an annual basis, even as health changes! Limited Underwriting Employee Coverage • Up to $75,000 for employees, NO HEALTH QUESTIONS • Up to $150,000 for employees, 3 HEALTH QUESTIONS Spouse Coverage • Up to $75,000 for spouses, 3 HEALTH QUESTIONS Child(ren) Coverage • Child’s Term Rider Benefit – covers all dependent children in family (18 and under on issue date, can remain on until age 26). NO HEALTH QUESTIONS 26

27. Cancer Plan benefits 27

28. Dental Plan benefits 28

29. Humana Dental Renewing dental benefits with Humana

30. Benefits

31. Dental Return On Investment Dental Benefits vs. Premiums Elite Choice 405 Plan • Average single adult retail expenses are $326 for preventive services • Average retail expenses for a family of four for preventive services is $1304. • Average single premium paid for year of $308. • Average family premium for year of $1133.

32. Vision Plan benefits 32

33. New Vision Carrier – SUPERIOR VISION • Superior Vision has a combination of better benefits and network access • Rate guarantee for 3 years Current Plan New Plan

34. Benefits (Previously $40 wholesale) (Previously $105) (Previously deducted from allowance)

35. Sample of network providers Remember that not all providers are contracted for all services and/or discounts. Prior to your appointment, confirm services, discounts, and acceptance of the Superior Vision Plan with the provider. http://www.superiorvision.com/