BENEFITS PLUS A Group Auto & Home Program for Leading Employers

1. BENEFITS PLUS A Group Auto & Home Program for Leading Employers

2. Agenda • Why Travelers? • Why Benefits Plus • Defining Roles • Keys to Success • Summary

3. Why Travelers? • Industry leader with over 5 million auto and home insurance policies • 30+ years experience doing group auto and home insurance programs for leading employers • Employee confidence in Travelers’ strong brand recognition • Unparalleled property casualty claims service with over 8000 claims staff • Financial stability: A+ rated by A.M. Best

4. Why Travelers: Insurance To Meet Individual Needs! Home Condo Renters Flood Identity Theft Valuable Items Excess Liability Auto Boat/Yacht

5. Why Benefits Plus: Advantages For Employer • No Direct Cost • Administration handled by insurance company and agent • Helps attract and retain employees • Shows your commitment to employees • Helps offset rising costs of core benefits • A popular voluntary benefit Hewitt Associates says 35% of employers will offer group auto programs in the next 3 years!

6. Why Benefits Plus: Advantages For Employees • Free insurance checkup by trusted agent • Special rates on products they MUST buy • Agent represents many top insurance companies • Several convenient payment options – including no fees for EFT • Voluntary participation – Open Enrollment • Quotes by phone, fax or email to local agent • 24/ 7/ 365 claims service • Completely portable policies with Travelers Program

7. Why Benefits Plus: Many Billing Options • Direct billed • Installment billed • Electronic Funds Transfer (EFT) with no fees • Mortgagee billed • Payroll Deduction with Travelers Program • Minimum of 100 employees at company

8. Why Benefits Plus: Program Management By Agency • Develop awareness campaign customized to each Employer • Coordinate announcement letters or emails • Coordinate payroll stuffers, brochures, posters • Conduct onsite group meetings if desired • Report progress to Employer

9. Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role • Coordinating overall program • Developing employee communication pieces • Providing competitive products • Reconciling payroll deductions • 24-hour claim handling • Providing feedback about employee participation • Support of the communication efforts • Provide feedback to enhance the program • Facilitation of the payroll deduction interface if payroll is used • Professional quoting, counseling and enrollment services • Providing oversight of the program • Acting as the liaison between company and Travelers

10. Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role • Coordinating overall program • Developing employee communication pieces • Providing competitive products • Reconciling payroll deductions • 24-hour claim handling • Providing feedback about employee participation • Support of the communication efforts • Provide feedback to enhance the program • Facilitation of the payroll deduction interface if payroll is used • Professional quoting, counseling and enrollment services • Providing oversight of the program • Acting as the liaison between company and Travelers

11. Benefits Plus: Defining Key Players Roles Employers’ Role Agents’ Role Travelers’ Role • Coordinating overall program • Developing employee communication pieces • Providing competitive products • Reconciling payroll deductions • 24-hour claim handling • Providing feedback about employee participation • Support of the communication efforts • Provide feedback to enhance the program • Facilitation of the payroll deduction interface if payroll is used • Professional quoting, counseling and enrollment services • Providing oversight of the program • Acting as the liaison between company and Travelers

12. Keys To Success An Employer or Sponsor who: • Supports communication efforts • Allows access to employees to communicate the benefit • Provides feedback to enhance the program • Facilitates payroll deduction if chosen

13. Keys to Success: Proven Employee Communications Our customized employee awareness plan may include: • Articles in employee newsletters • Inserts for pay envelopes • Brochures and posters for the work site • Mailings to employees • E-mail reminders • Customized Intranet information • On-site employee-awareness events • Other items you suggest

14. Summary • Full portfolio of competitive products! • No cost to implement and maintain the program • Professionally designed communication pieces – FREE! • Many billing options for employees • Reconciliation of the payroll program – flexibility! • Superior claims service – 24/ 7/ 365! • Local agent who understands the needs of your employees

15. A Mutually Beneficial Partnership Employer Insurance Agency Insurance Company

16. Benefits Plus It can Help You Thank You!