1. |SmartChoice® is the Right Choice
For your Small Business Clients and Prospects
For your Future Business Growth

2. Less than 10% have group Disability coverage!
The Market
According to the NAICS, there are over 13 million businesses with less than 10 employees.
Less than 10% have group Disability coverage!
Less than 25% have group Life Coverage!
Small Business Niche =
Huge Business Potential

3. Reliance Standard At A Glance
Founded 1907 Central Standard Life Insurance Company, Chicago, Illinois
1987 Acquired by Delphi Financial Group
2012 Tokio Marine acquired Delphi
Based in Philadelphia, Pennsylvania
A+ (Superior) AM Best Affirmed September 2018
A+ (Strong) Standard & Poor’s Affirmed November 2018
27 Regional Sales Offices
4 Regional Claims Offices
1067 Employees

4. About Reliance Standard
Leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management.
Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes.
Also a leader in retirement services products, primarily marketing fixed annuities, including equity-indexed annuities, to individuals.
Rated A+ by both A.M. Best and Standard & Poor's, we began our centennial year in
In 2020 we move our HQ to a new Philadelphia home.

5. SmartChoice® at a Glance
LTD, STD, Life/AD&D, Dental/Vision, Critical Illness and Accident benefits for businesses with 2-19 employees – with particular emphasis on the 2-9 employee segment
Guarantee Issue
Carve-outs available, including management carve-outs in ineligible SICs
No family content restrictions
Available for most industries – 90% of SIC codes eligible
Simple application process
Excellent product provisions
All products can be stand alone
No renewals for Life/STD/LTD

6. SmartChoice® at a Glance cont’d.
Home-based businesses on an exception basis
No minimum premium requirements
Husband/Wife groups available
Very flexible “time in business” rules:
Dental/Life – first day
STD – 6 months
LTD – 12 months
(exceptions are made regularly)
Eligibility down to 20 hours/week
Premiums can be 100% ER or EE paid at the same price
No average age restrictions
Flexible participation requirements
2 = 100%
3-5 = All but one
6-9 = All but two
10+ = 75%

7. SmartChoice® Benefits

8. SmartChoice® Benefits - LTD
100% Guarantee Issue benefits to $7,500/month ($10,000 for Select Industries)
Pre Ex Benefit: 30% - $3,750 ($5,000 for Select) for 12 months
Standard 36 month Own-Occ disability definition (60 months for Select Industries)
Zero Day Residual
SSNRA benefit duration
Choice of 60, 90 or 180 day elimination periods
No Individual DI offsets
Takeover - Transfer

9. SmartChoice® Benefits - STD
100% Guarantee Issue benefits to $1,500/week
Pre-existing Condition Benefit
0/7 elim with 13 or 26 week benefit
50%, 60%, 66 2/3%, or 70% of weekly earnings or a flat benefit amount
20% benefit in State mandated STD states
Maternity covered as any disability
Takeover - Transfer

10. SmartChoice® Benefits – Life/AD&D
1 or 2 times earnings or Flat amount
High Guarantee Issue amounts available
Groups of 2 – 5 lives = $50,000
Groups of 6 – 19 lives = $100,000
Maximum Benefit available= $200,000
AD&D + Additional Seat Belt Benefit + Accelerated Death Benefit
Just One Benefit Reduction = 50% at age 70

11. SmartChoice® Benefits – Dental
3 basic plan designs to choose from and to build upon
Plan A: 100/80/50 with $1000 max
Plan B: 100/ /50/50 with $1500 max & $1000 lifetime Orthodontics
Plan C: 0% of first $250, then 80%, $2,000 max
Takeover (includes deductible credit)
Managed Care Option (MAC)
Strong nationwide provider network
Basic Services Step-Up Incentive benefit
Adult Ortho benefits
Vision Care option
Max Rewards carryover benefits

12. SmartChoice® Process

13. Full Access to Quote Small Group Benefits

14. Create SmartChoice® Quotes & Proposals

15. Review & Edit Saved Proposals

16. Support
Library of marketing flyers accessible for immediate use
New flyer creation available for a specific marketing campaign
Industry specific (religious groups/trade associations)
Product specific
Policy Issue in 3-5 days
Policy/Cert delivery 5-8 days
Life policies issued quickly at GI amounts

17. Simple Application Process
No employee applications needed
List Enrollment
Complete fillable application, including ACH authorization portion (preferred), and have Broker & Client sign
Preferred payment method is ACH - NO binder check needed!
sold proposal, takeover information and group application for fast case issuance

18. Questions?