1. Cocoon A Universal Front-End United Systems Advisory Council - January 16-17, 1997

2. The Problem For Producers –Multiple illustration systems –Steep learning curve for staff For Carriers –Your own proprietary illustration system –Difficulty of moving to Windows

3. The Goal Create Standard Illustration System –Multi-Carrier –Windows compatible –Easy-to-Use for the carrier for the producer –Minimal change to existing engines support for both DOS and Windows engines

4. The Solution - Cocoon Take the WinFlex Front-End –2 Years in development –Already supports 25+ carriers Add Screen Designer –Our in-house tool we use daily Link product engines from the carrier Originally priced at $90,000

5. The NAILBA request Standard illustration system Distribute free to member carriers We looked at the Netscape model –they give away browser, charge for server –we give away front-end, sell WinFlex

6. Cocoon Deal Free to all NAILBA carriers … and other qualified carriers Support & updates on Internet –www.usinfo.com Registered Version (Optional) –Setup & training on first product –1-Year of support –Registration Fee: $10,000

7. Cocoon Components Cocoon Illustration system Screen Designer Sample DLL engine Sample Installation program Support Utilities Documentation

8. Steps to Implementation Sign license –license is for unlimited distribution –you agree not to resell or reverse engineer You receive software and documentation Register for support (optional) Link your first product

9. Current Cocoon Carriers American United C.N.A. First-Penn Pacific Indianapolis Life Life of Virginia Lincoln Benefit Manhattan Life Mutual of Omaha North American Security-CT US Financial USLife

10. Cocoon for WinFlex Carriers Ledger-only system for basic agents –Easy upgrade to WinFlex Add non-life products to system –Annuities, DI, LTC, etc.