Member Benefits

1. Member Benefits

2. Member Benefits • Non-commissionable Insurance Products • Commissionable Insurance Product • Affinity Products • Other Benefits

3. Non-commissionable Insurance • Accidental Death and Hospital Indemnity Plan • Hospital Indemnity Plan • Member Accident Coverage • LifeGuard—decreasing term

4. Commissionable Insurance • Dental, Vision and Hearing • Critical Illness • Final Expense • Term Life Insurance

5. Affinity Products • RSA Travel Insurance • UCT Financial U • Auto Rental Discounts—Avis, Budget • Esso Discount • Motel Six Discount • TD Insurance Auto Coverage • UCT Online Shopping Mall

6. Other Benefits • Fraternal Fund • Scholarship Programs

7. Development Process • Desire by the board to increase member benefits in Canada • Discussions with Affinity Marketing Groups both in the US and Canada • Difficult to find Canadian-only products due to small membership. • Many of these products are available in both the US and Canada so we could take advantage of the entire membership. • The Canadian-only products fill a need, but due to our small membership base, discounts are not as good as larger membership organizations obtain.

8. Development Process • Competitive Review of commissionable insurance products • DVH is price competitive with other similar Canadian Products, and there is demand among self employed. • Non-medically underwritten Term is competitive with Similar Canadian Products. • CI targets less affluent prospective customers—lower face values, fewer triggers. • Non-medially underwritten Final Expense is competitive with similar products. • Relied to some extent on reinsurers for market knowledge.

9. Challenges • Difficulty in developing distribution channels for commissionable products. • Difficulty in finding affinity products for our membership base due to size and age.