Partnerships that date back to % fully organized insurance company Committed to the Labor Movement in both word and deed Activism and Financial support The largest provider of supplemental Union insurance in the World AIL and the Labor Movement

Labor Advisory Board Union Leaders

1.Advise on the type of supplemental benefits Union members need 2.Direct a portion of our profit back into Labor and Labor-related causes 3.At the local level we have an agency structure

No voice in determining their wages, hours or working conditions.

1.Poor working conditions

Joined together as a collective force in pursuit of common objectives for working people.

First nationwide labor organizations were developed during the mid 1800’s

Labor Movement is Very Interconnected International and National Level AFL-CIO or CLC Infrastructure Politically Collective Bargaining Social Causes Human Rights Environmentally

Maintain and develop relationships and partnerships Generating Leads – Through the AIL Program The Role of Public Relations Continued

The AIL Program

$2,000 Accidental Death & Dismemberment Benefit at NO COST. ACCIDENTAL DEATH & DISMEMBERMENT POLICY 2004 Highlights * $1.5 Million paid to Union Families

Discount Plans  Unlimited Use for Entire Family  Providers vary by Province/State

Vision / Eye Care Prescription Drugs Hearing Chiropractic Health Services Discount Plan 2004 Highlights * Approx $1.5 Million saved on Prescription Medications

How Do We Implement the Benefit Program…

1.We send a letter to each member 2.On the Union’s letterhead 3.No Cost to the Union for the mailing 4.Letters are printed in a union print shop

* Postage Paid Response Card is enclosed with each Letter including an Internet address option to complete the card online * All Members are covered by the AD&D Master Policy which the Union holds * Members who return their Response Card will be contacted by our Representatives

NO COST to the Local or the Member AIL respects the Confidentiality of Membership mailing lists and do not require a copy 20 – 35% of Members return the Response card One out of three will purchase additional benefits

When one of our Representatives contacts a Member Direct Mail Piece Ultimately Generates Lead…

* Deliver their Individual Certificate of Coverage and have them designate their Beneficiary * Clearly explain the affordable supplemental programs and answer all questions * Present the Health Services Discount Plan or Vision Discount

Read Off Letter

* Final Expense Plan * Pay Check Protector, which acts as a readjustment benefit * Cancer Benefit * AD&D and Emergency Hospital Intensive Care Program Supplemental Benefits 2004 Highlights * $50 Million of claims paid to Working Families through their benefits with AIL & NILICO

1.1 Million in premium for policy holders waived in the last 2 years * 1.1 Million in premium for policy holders waived in the last 2 years * No payback required

TERMINAL ILLNESS LIVING BENEFIT PROVIDES 50% OF THE POLICY COVERAGE AMOUNT UPON DIAGNOSIS OF A TERMINAL ILLNESS. (Life Expectancy less than 12 months) AVAILABLE AT NO COST FOR POLICY HOLDERS.

Eliminates Confusion over: Funeral Arrangements Insurance Papers Estate Information Taxes FAMILY INFORMATION GUIDE

Child Safe Kit Endorsed by the International Union of Police Associations and the AFL-CIO Helping working people protect what they value the most, their families!

How Do We Do It? One Can Of Food at a Time! FOOD BANK

Helping Secure the Future of Working Families With…  Affordable  Permanent  Portable Supplemental Benefits