Title Slide JUN 8 – 10, Getting Employee Benefits and Pension Programs into your Captive

Benefits of Captive Management Reporting Quarter reporting Annual renewal meetings to set pricing Health care reporting ad-hoc Governance Robust governance and risk management opportunity. Closer alignment with fronting underwriting team to set most advantageous pricing. More control over plan design build out, ex-gratia payments, reserving with fronting Central control over plans like global pension assets Financial Savings Elimination of risk charges / underwriting profit Cash Flow Advantages Greater access to data, and impact to experience

Benefits of Captive Management Locally Placed Fully Insured Programs Global Non- Participating Risk Program Captive Program Multinational Pooling Limited Local Savings Up front savings, and insight to experience Maximum Savings Moderated Savings, but varies on risk charges Limited Control Increased control, with more central decisions. Significant control Increased Control, with local decisions Risk RetainedDegree of Savings Potential Control

Captive Management Essentials ESSENTIALS FOR SUCCESS Senior management buy-in Close cooperation across key corporate functions; HR, RM, tax and legal Strong internal communication & training Use of SLA at global/local levels Hands-on approach with initial bi-weekly/monthly calls during the initial implementation, and quarterly/bi-annually meetings to monitor progress of the captive We view captives as a long-term partnerships that takes continuous joint effort to be able to manage effectively

Proven Record Of Captive Management 25 CAPTIVE ARRANGEMENTS MANAGED 242M $ total collected MetLife premium (as of 2014) 1/3 2/3 1/3 life and disability 2/3 medical

When It Comes To Your Captive Strategy …KNOWLEDGE IS POWER Ability to choose your benefits package more wisely to provide what employees actually utilize Define what areas are generating most claims and understand the cause Consider how a targeted health and wellness program could benefit you Provides you a wide range of services to help you manage your programs in the long term DataAnalyticsBenchmarking BENEFITS

Healthcare Analytics For Captives

MAXIS Approach To Captive Programs CONSULTATIVE APPROACH DATA & ANALYTICS HEALTH AND WELLNESS CAPABILITIES GEOGRAPHIC COVERAGE Experienced sales teams Deep understanding of local market, regulatory and political trends Central Underwriting team available to Captive. More than 111 countries covered High quality of local members Access to timely detailed reporting Qualitative analysis of our global program results Tailored local programs Proactive global strategy