Doing things differently…

• Managing General Underwriter

• Partner with Employee Benefits pros – Brokers and Consultants

• Proprietary products• Benefits Marketing Firm• Provide goal-oriented

solutions for Benefits Administrators

We… HAVE: Experience

Over 75 years in voluntary benefits management

OFFER: Solutions Implementation

management Enrollment services Communications

STREAMLINE: Benefits Administration Proprietary products Enrollment options Client service support

Let’s talk about product…Voluntary Benefits

Short Term Disability

Long Term Disability

Group Term Life and AD&D

Whole LifeCritical IllnessAccident

Employer Paid Benefits

LifeDisability

Changing the game…Our proprietary products are cutting edge:

better coverage at a lower cost than traditional worksite carriers.

Innovative Disability Products

Guaranteed issue at each open enrollment, regardless of hire date

No minimum participation requirement – with active enrollment

Rates guaranteed for 2 years

Issue age rated

Telephonic claims intake

Future benefit increases at employee’s original issue age

Benefits payable in addition to any other STD insurance

Immediate waiver of premium for STD claims

Voluntary Group Term Life and AD&D

Aggressive GI limits for Employee and Dependents

Rates guaranteed for 2 years

Minimum participation: greater of 10 or 15% with active enrollment

Accelerated benefits up to 50% to a $250,000 maximum

Waiver of premium included

AD&D GI to $500,000 with only 10 enrolled lives

AD&D coverage available for Employee and Family

Employee Life Option: Whole Life

GI for Employee, Spouse, Dependent Children, & Grandchildren

Dependents are guaranteed issue without employee election

Coverage begins on date application signed

Money purchase from $2 to $30 per week

Portable and guaranteed renewable

Guaranteed cash value and paid-up options

Catastrophic Loss Rider for loss of ADLs available in some states

Employee Critical Illness Option

Simplified Issue with only three health questions

Guaranteed Issue with 10% participation

Unlimited lifetime maximum

Lump sum benefits with positive diagnosis of critical illness

Wellness benefit for health screening from $50 to $150 available

Children coverage included with employee plan at no additional cost

Employee Accident Option

GI for employees and dependents with no minimum participation requirement

Coverage begins on date of application

Competitive benefit pay-outs with emphasis on out-patient benefits

Portable and guaranteed renewable for life

Riders available to: Cover wellness exams Enhance ER & office visit

benefits

The American Hospital Association and The American Society for Healthcare

Human Resources Administration endorse the Whole Life, Critical Illness,

and Accident Options

We’re not finished yet.Our value propositions include…

Outstanding Support

Our team is dedicated to helping our broker

partners from prospecting to post-enrollment. And everything in

between.

Benefits Communication

• Benefits Guides• Multi-media

education• Marketing materials

Turnkey Enrollment Solutions

• Including web-based, call center, and face-to-face – or a combination thereof

• Process management from beginning to end

• Savvy, Experienced Benefits Counselors

• FBT Advantage…

Our solutions are flexible and simple. We are…

…Designed to fit your needs.