Allied ™ Cost Saver Webinar Presented by Randy Wehner, Sales Manager Allied National, Inc.

1. Welcome to the Allied™ Cost Saver WebinarPresented by Randy Wehner, Sales ManagerAllied National, Inc.

2. Overview • The problems we’re told you face in building your business • How Cost Saver can be a solution • What in the world is Cost Saver? • Your target market – Where do I go to sell it? • What’s in it for me?

3. Are we right about you? You’re an insurance professional focusing on health insurance and facing these major challenges: • Keeping the clients you have • Growing your business even larger

4. Affordable Group Health Insurance Problem 1: Some of your group clients can’t affordto keep their current major medical health plans.

5. Covering theUninsured Problem 2: • You have uninsured prospects who think they can’t afford coverage • Or who have been told they can’t qualify for a group health plan

6. You Want to ExpandYour Business Problem 3: • How do I keep the clients I have? • How do I attract new clients?

7. Old Solutions • High deductible plans that cut premium costs but leave the insured with high upfront costs • People just do without insurance

8. Cost Saver, an Affordable Alternative New Solution: Immediate benefits with affordable rates as much as 50% lower than traditional plans.

9. Cost Saver Covers the Uninsured New Solution: • No medical underwriting means any group qualifies for coverage regardless of health • No medical applications and no rate ups! The rates you sell are the rates we issue! • Low rates and non-medical underwriting brings new groups into the market

10. Cost Saver Expands Your Business New Solution: • Retain your current small group employer business that’s ready to stop providing group health insurance • Find new customers ready to enter the market

11. What’s Cost Saver? • A group-sponsored limited benefit plan with REAL benefits • Features essential benefits that people want and need the most including doctor’s office copays and Rx drug copays • Includes coverage for specialists, surgery, outpatient services and inpatient hospital stays

12. Cost Saver Benefits Essential Benefits • Office visit copay benefit in or out-of-network • After a $20 copay, 100% coinsurance in-network or 80% coinsurance out-of-network • No limit on the number of visits! • Prescription drug card: Two different plan options

13. Cost Saver Benefits Other Benefits • Professional services by specialists • Outpatient services • Emergency room care • Outpatient surgical and facility charges • Inpatient facility charges

14. Cost Saver Options • Three plan choices with varying maximum benefit levels • Plan 750 • Plan 1000 • Plan 1500 • Deductible of $250 or $500 • Prescription drug card • Generic drug option with a discount for brand name drugs • Formulary option providing coverage for generic and brand name drugs

15. Target Markets Cost Saver: Who are the prospects for this type of plan?Groups… • With low wage labor forces • Dropping their current plan • Not already providing coverage • That can’t qualify for a major medical plan

16. Target Markets Cost Saver: What kind of industries choose Cost Saver? • Nursing homes and skilled nursing businesses • Construction trades and contractors • Trucking companies • Convenience stores • Restaurants • Lawn care services • Auto dealers and service centers • Beauty shops • * 1099 employees are eligible

17. Cost Saver: Target Markets Use Cost Saver as a class carve-out within a group: • Union workers • Low wage workers • Hourly workers

18. What’s in it for Me?Agent first year and renewal commission! • Any size new group: 10% flat • Average Cost Saver group has 14 employees • Larger groups = larger commissions • A 100+ employee group could pay a monthly commission in excess of $2,100

19. What’s in it for Me?It’s easy to sell! It’s simple: • No medical underwriting • No rate-ups, no rate surprises • Easy to enroll

20. What’s in it for Me?A good feeling of selling something people can afford. Affordability: • Low rates: 50%–60% cheaper than major medical • Multiple plan options to fit any benefit/budget needs

21. What’s in it for Me?Retain and expand your business. • Save clients leaving the group benefits market • Find new clients who need an alternative to a major medical plan

22. Other Allied Products • Premium Advantagemajor med plans ranging from $500–$10K deductible • No Deductible major med plans • HSA qualified plans • Group Dental Design plan • Allied™ Life and Disability Allied has it all… To help you be a FULL benefits provider!

23. In Closing… • Cost Saver offers affordable health insurance to your clients • Cost Saver can help you grow your business • May Harold Patman @ NIA generate a quote for one of your groups who would benefit from Cost Saver?…

24. What do I do Now? Call NIA at 1-888-243-5026to find out more about Allied™ Cost Saver and request a quote.