Making benefits that count for (Company Name)

1. Making benefits that count for(Company Name)

2. Agenda OS CC Common Challenges Our Story VP ES CS CT Voluntary Products Enrollment Strategy Client Support Closing Thoughts

3. OurStory OS Our Story CC ES VP CS CT

4. Colonial Life is 3 companies in 1 – a single source solution for... 1 2 Benefits Communication Services Flexible Enrollment Options 3 Personal Insurance Products OS Our Story CC ES VP CS CT

5. A rich history. A promising future. • 1,100employees • 10,000+member agency sales organization • 5,300active contracted brokers OS Our Story CC ES VP CS CT

6. An industry leader for more than 70 years • #2 Overall worksite sales • #2 Provider of short term disability coverage • #2 Provider of cancer coverage • #3 Provider of accident coverage According to: U.S. Worksite Sales Report. Eastbridge Consulting Group, May 2009: OS Our Story CC ES VP CS CT

7. Common Challenges CC Common Challenges ES VP CS CT OS

8. Linda Breault Jackson, MS Tom Kast Syracuse, NY Roger Pollack Grand Rapids, MI “My employees are always on the go. They don’t spend much time sitting at a desk.” “We have locations all over the country and not each office has an HR person. Our satellite locations are on their own.” “We’re in construction and most of my employees are in the field, not sitting in the office.” “It’s so hard to inform my employees because…” CC Common Challenges ES VP CS CT OS

9. “Helping employees understand their benefits every year is challenging because…” Rachel Carey Worcester, MA Jim Bohrer Takoma, WA Laura Bromley Fort Lauderdale, FL Melissa White Brownsville, TX “I don’t have enough time to answer all their questions, but I’m the only resource they’ve got.” “I can’t communicate with my employees who don’t speak English.” “It’s so hard to make sure everyone knows what’s changed, what’s new, when enrollment starts, when it ends…” “We’ve got three different kinds of plans: EPOs, PPOs, and HMOs. Our employees don’t understand the difference.” CC Common Challenges ES VP CS CT OS

10. “Benefit administration is challenging because…” Ellen McSpirit Chattanooga, TN Walter Michaels Philadelphia, PA Patricia Fields Baltimore, MD Diane Rossiter Little Rock, AR “We spend so much time preparing for our enrollment, but we get such low employee participation.” “We spend lots of time chasing employees for missing enrollment forms and incomplete data.” “We have to enter data from thousands of enrollment forms each year just to start deductions.” “I’m an army of one!” CC Common Challenges ES VP CS CT OS

11. Enrollment Strategy CC ES EnrollmentStrategy VP CS CT OS

12. Comparing enrollment partners EnrollmentFirm Local benefit counselors 8.5 years average tenure of National Benefit Counselors team Local benefit counselors support employees throughout the year Customized new hire support No travel costs Multi-year, face-to-face benefits counseling Imported enrollers from out-of-town Enrollers change year-to-year Little to no knowledge of employee’s since the enrollers change every year Challenge to process new hires High travel costs, paid per diem plus significant incentives After first couple of years, annual enrollment typically migrates to call centers ? ? ? OS CC ES EnrollmentStrategy VP CS CT

13. Lower health plan costs with dependent verification Source: Mercer’s 2008 National Survey of Employer-Sponsored Health Plans. CC ES EnrollmentStrategy VP CS CT OS

14. Dependent Verification • Our benefit counselors can: • clearly explain eligibility criteria, • remove ineligible dependents, • add newly eligible dependents, and • return employee’s electronic signature. CC ES EnrollmentStrategy VP CS CT OS

15. Medical Wages Communication + Good Benefits = Lower Turnover • A 1-to-1 meeting with a Colonial Life benefits • counselor enables each employee to: • Personally review their current benefits. • Meet individual needs. • Consider new options. • Understand how those options affect their paycheck. • Understand and appreciate what you – the employer – contribute. Income Protection Retirement Required Benefits Survivor Benefits Benefit Communications Catastrophic Illness CC ES EnrollmentStrategy VP CS CT OS

16. Supporting you every step of the way OS CC ES EnrollmentStrategy VP CS CT

17. Pre-Enrollment OS CC ES EnrollmentStrategy VP CS CT

18. Enrollment Medical Wages Income Protection Retirement Required Benefits Survivor Benefits Catastrophic Illness OS CC ES EnrollmentStrategy VP CS CT

19. Post Enrollment OS CC ES EnrollmentStrategy VP CS CT

20. Voluntary Products OS CC ES VP Voluntary Products CS CT

21. Choices you canCount On! • The need for Supplemental Insurance • Helps fill gaps and offsets out-of-pocket expenses • Helps with rising costs of health care • Provides benefits at NO cost to employer! Employer Benefits Package Complete the Package • Medical • Life • Dental • 401k Colonial Life’s Personal Insurance Products OS CC ES VP Voluntary Products CS CT

22. Enables you to tailor coverage for your individual needs and helps provide financial security for your family members. Provides a lump-sum benefit for a covered hospital confinement and/or a covered outpatient surgery to help offset the gaps caused by co-payments and deductibles in most major medical plans. Helps offset the unexpected medical expenses, such as deductibles and copayments, which can results from a fracture, dislocation or other covered accidental injury. Provides income replacement to help make ends meet if you are unable to work due to a covered injury or covered sickness. Complements your major medical coverage by providing a lump-sum benefit you can use to help pay the direct & indirect costs related to a covered critical illness. Helps offset the out-of-pocket medical & indirect non-medical expenses related to cancer diagnosis & treatment that most medical plans may not cover. Also provides benefits for specified cancer-screening tests. Choose from a broad range of personal insurance products OS CC ES VP Voluntary Products CS CT

23. Client Support OS CC ES VP CS Client Support CT

24. Your Support Team Dedicated Billing Specialist Regional Enrollment Manager Enrollment Support Team Territory Account Coordinator Account Executive OS CC ES VP CS Client Support CT

25. Ez-Billing – upload deduction file for bill reconciliation • E-Pay • E-Bill e-mail notification • Ez-Administration – routine changes • Dedicated billing specialist & call center • Free direct link to valuable human resources policies and guidelines. • State and federal laws and regulations. • Everyday language explanations. Administrative Services OS CC ES VP CS Client Support CT

26. Closing Thoughts OS CC ES VP CS CT Closing Thoughts

27. The Colonial Life Benefit Complete package with full assembly Benefits education and communication expertise to assist employee in understanding your benefits program Insurance product solutions for employees World class enrollment team Best in support and client services OS CC ES VP CS CT Closing Thoughts

28. Thank you! Broker Info Dana Hollern Territory Coordinator 702-468-7900 Dana.Hollern@ColoniaLife.com www.colonial-benefits.com