1. to talk to Colonial Life 6 GREAT Reasons to talk to Colonial Life Presented by Robert Richey Agency Development Manager

2. Expand your income NOW Differentiate yourself with services Rest easy with enrollment quality for all sizes Open doors with Group Medical Bridge 1.0 Increase sales with guaranteed issue Count on the industrys top choice to talk to Colonial Life 6 GREAT Reasons to talk to Colonial Life

3. Industry- Leading Products 1. Expand your income NOW with our 1-to-1 voluntary benefits model Flexible Enrollment Options Value-Added Services Immediate revenue… …no additional overhead/investment …no need to become a voluntary benefits expert …simply plug in to our turnkey VB model Benefits Counseling & Education

4. 1 new 100-life account a month= $75,600 in commissions alone Every benefit-eligible employee in your accounts= $63 in annual commissions Assume: 100-life account, 50% participation, $707 annual premium per person, 75% collected premium rate, and Colonial Life product mix of 30% disability, 30% Group Medical Bridge, and 40% universal life insurance. This is an estimate only. Results may vary based on actual performance levels and other factors. 1. Expand your income NOW with our turnkey voluntary benefits model 1-to-1 benefits counseling = 46% increase in participation Renewals for life on qualified business

5. 2. Differentiate yourself with services, not just products

6. Limited-time WELLNESS OFFER We pay for the wellness program your client selects for one full year! Choice of one of three wellness programs, depending on account size Life Health Assessment - Ceridian NurseLine - Optum Health Wellness Screening - Optum Health Certain steps and requirements must be met for your client to participate. Ask your Colonial Life contact for complete details. For new Colonial Life cases offering 2 employee-paid Colonial Life products and that allow us to meet with at least 75% of their eligible employees 2. Differentiate yourself with services, not just products

7. Benefits communication & education services Better benefits understanding and appreciation Better educated health care consumers Cost savings & happier, healthier employees!

8. 2. Differentiate yourself with services, not just products Benefits Learning Center Welcome to Youville ® ! Helps employees get a jump start on pre-enrollment benefits education Interactive online tool offering entertaining way for employees to explore their unique benefits needs Employees can print recommendations to bring to their enrollment session

9. Paycheck illustrations Allow employees to see how their choices affect their paycheck 2. Differentiate yourself with services, not just products

10. Benefits Statements Illustrate employers investment in employee 2. Differentiate yourself with services, not just products

11. Flexible enrollment options Consolidated core and voluntary options for anytime, anywhere enrollment Call center One-to-one Group enrollment Alternatives: Employees may enroll: Self-enroll online Co-browse

12. Accurate post-enrollment data Streamlined enrollment Ongoing local service Multi-year & new hire enrollment Approach supports: Business quality index/ client satisfaction Consistent message Flexible enrollment options Consolidated core and voluntary options for anytime, anywhere enrollment

13. Dependent verification Benefit counselors can: Clearly explain eligibility criteria Remove ineligible dependents Add newly eligible dependents Return employees electronic signature 2. Differentiate yourself with services, not just products Minimum account size of 500 lives required. Ask your Colonial Life benefits contact for details.

14. Employer Benefits Statement 2. Differentiate yourself with services, not just products Employer information Standard services More complex services Illustrates value of Colonial Life services Shows cost savings overview based on:

15. Post-enrollment Benefits Guys surveys Daily enrollment reporting Consistent oversight with Business Quality Index (BQI) National training program – Colonial Life College Certification programs and ongoing education 3. Rest easy with our transparent enrollment quality for all sizes

16. Overall Employee SatisfactionImportance of One-to-One Overall Employee Satisfaction- Payer Size Improve Understanding 3. Rest easy with our transparent enrollment quality for all sizes

17. Large-Case Expertise 57+ years of success Dedicated corporate team National Benefits Counselor Team 1,350 certified local benefit counselors across 50 states 8.5-year average tenure Annual re-certification requirement Multi-year enrollment Ongoing local service 3. Rest easy with our transparent enrollment quality for all sizes

18. New Health Plan 1 Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010. 2 National consumer study, Financial Industry Regulatory Authority Investor Education Foundation In consultation with U.S. Dept. of Treasury and Presidents Advisory Council on Financial Literacy, 2009. Current Health Plan Employer saves money with new plan design Higher annual deductible Higher co-insurance amounts Employees face more costs 2X increase in employees covered by plan with a $1,000+ deductible 1 60% of Americans do not have funds to cover unexpected costs 2 Employee out-of- pocket costs Expenses covered by health plan Employers respond to rising costs 4. Open doors with our NEWEST product: Group Medical Bridge 1.0

19. Expenses covered by health insurance Medical Bridge solution Out-of- pocket costs 1 Plan design and benefits vary by state. See state specific plan information for availability in each state. Expenses covered by health insurance Benefits help employees pay out-of-pocket costs from a hospital confinement or other covered health care event Pays lump-sum benefits directly to employees Benefits for outpatient surgery, diagnostic tests, and wellness visits may also be available 1 4. Open doors with our NEWEST product: Group Medical Bridge 1.0

20. Benefits vary by state, and product may not be available in all states. GroupcontractGroupcontract Flexible plan designs Flexible UnderwritingoptionsUnderwritingoptions PremiumoptionsPremiumoptions EnrollmentEnrollment HSA-compliant option (in most states) Higher benefit amounts and flexibility Employer optional benefits Situs state Optionally renewable; no portability option Min. 10 enrolled + participation Guaranteed issue (GI) Guaranteed issue with pre-ex waived (GX2) Age-banded Composite Discounted composite Defined enrollment period required 4. Open doors with our NEWEST product: Group Medical Bridge 1.0

21. Current PlanProposed Plan Annual deductible$500$1,500 Co-insurance80/2070/30 EE Cost$177$154 ER Cost$532$461 Total Cost$708$615 % Change+17%-13%: $71 x 100 EEs = $7,100/mo Plan design and benefits vary by state. See state specific plan information for availability in each state. Hospital Confinement$1,000 Outpatient SurgeryOption 1 Health Screening$50 GMB 1.0 PremiumEE Discounted Composite Rate = $17.47/mo TOTAL SAVINGS $7,100 - $1,747 = $5,353/mo = $64,236/yr Premiums have decreased… Employees out-of-pocket exposure has increased… Solution… Add Group Medical Bridge 1.0 4. Open doors with our NEWEST product: Group Medical Bridge 1.0

22. Underwriting approach simplifies enrollment and encourages higher participation Help most employees qualify: GI and post-enrollment GI underwriting options available for disability, accident, hospital confinement indemnity, cancer and critical illness products Pre-established limits for certain underwriting levels Many health questions are knock-out questions Colonial Life products are underwritten by Colonial Life & Accident Insurance Company. Products have exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. 5. Increase sales and revenue with our guaranteed issue (GI) underwriting

23. Limited-time offer for DISABILITY & GROUP CRITICAL ILLNESS INSURANCE! Guaranteed issue... NO minimum participation... NO health questions...... what a BRIGHT idea! 5. Increase sales and revenue with our guaranteed issue underwriting Certain steps and requirements must be met for your client to qualify. Benefits may vary and may not be available in all states. Policies have limitations and exclusions that may affect benefits payable. Ask your Colonial Life contact for complete details. For new Colonial Life cases offering 2 employee- paid Colonial Life products and that allow us to meet with the majority of their employees. New hires may also receive GI if guidelines are met. BRIGHT

24. 6. Count on the industrys top choice Voted brokers top choice and most broker-friendly carrier 6 years in a row Benefits Selling Readers Choice Awards, 2006-11 In U.S. top 5 voluntary carriers for sales and in-force premium Eastbridge U.S. Worksite Sales Report, Eastbridge Consulting Group, 2010 Named #1 worksite/voluntary benefits company National Association of Health Underwriters (NAHU) members, 2010

25. Client Consultant Multi-state affordable housing provider 213 benefit-eligible employees 41 locations Multi-state affordable housing provider 213 benefit-eligible employees 41 locations The Client

26. Rising costs and dissatisfaction with PEO/payroll firm caused client to move employees in-house and switch payroll and benefits to broker handling their workers comp. Client concerns included employee confusion, increased staff workload, and enrollment timing to ensure new health plans and payroll services were implemented before enrollment. Rising costs and dissatisfaction with PEO/payroll firm caused client to move employees in-house and switch payroll and benefits to broker handling their workers comp. Client concerns included employee confusion, increased staff workload, and enrollment timing to ensure new health plans and payroll services were implemented before enrollment. The Challenge

27. Broker brought in Colonial Life to assist with: Creating a tight schedule for implementation and enrollment. Conducting group meetings both in-person and via conference calls, including core benefits communication in the more remote locations. Providing 1-to-1 benefits counseling with eligible employees in all 41 locations, with bilingual benefits counselors where needed. Broker brought in Colonial Life to assist with: Creating a tight schedule for implementation and enrollment. Conducting group meetings both in-person and via conference calls, including core benefits communication in the more remote locations. Providing 1-to-1 benefits counseling with eligible employees in all 41 locations, with bilingual benefits counselors where needed. The Solution

28. Met 1-to-1 with 100% of eligible employees. Completed the multi-state enrollment in 10 days – as promised! Required little time or effort by client, allowing staff to focus on other parts of the transition. Provided electronic and hardcopy election forms and core benefit applications to broker and payroll provider. Enrolled 64% of employees in our voluntary benefit plans, including disability and hospital confinement indemnity that was offered GI due to the high participation. Generated $100,000+ in annual voluntary premium – and met guideline of one to one-and-a-half hours pay per week max. Increased employer and employee tax savings due to increasing participation in flex accounts and pre-taxed voluntary benefits. Met 1-to-1 with 100% of eligible employees. Completed the multi-state enrollment in 10 days – as promised! Required little time or effort by client, allowing staff to focus on other parts of the transition. Provided electronic and hardcopy election forms and core benefit applications to broker and payroll provider. Enrolled 64% of employees in our voluntary benefit plans, including disability and hospital confinement indemnity that was offered GI due to the high participation. Generated $100,000+ in annual voluntary premium – and met guideline of one to one-and-a-half hours pay per week max. Increased employer and employee tax savings due to increasing participation in flex accounts and pre-taxed voluntary benefits. The Results