EXECUTIVE BENEFITS

For example, most companies’ long term disability (LTD) plans are designed to provide replacement income for the “average” employee but don’t provide enough for the senior executives, who can suffer disastrous drops in income if they become disabled. The most cost-effective answer is often maintaining the original LTD plan and offering additional, supplemental coverage for these highly-compensated employees.Lenox Advisors’ team of professionals helps corporate clients make informed decisions about the best choices for their companies, including voluntary insurance carve-out programs. Whether it’s Disability Income, Life or Long Term Care Insurance, Lenox also provides a full range of support services for corporate clients:• Coordinating and managing relationships with

carriers and vendors• Planning and executing employee communications• One-on-one and online educational and application

services.Lenox Advisors’ national presence makes it possible to articulate a company’s carve-out benefit plans on a

face-to-face basis. Each executive is properly educated on the new policies being offered, so the new coverage is tailored to meet their individual needs and goals.To Lenox, Disability Income, Life and Long Term Care Insurance may be some of the most overlooked opportunities for executives because they are often the weak links in their otherwise growth-oriented financial plans. Integrating this kind of protection into financial planning is what we do and why we believe in these policies.In fact, the value proposition isn’t entirely the product but more so the approach and services surrounding it. It’s the difference between taking the time to work individually with each executive – mapping out individual packages – rather than doing a “data dump” of materials and brochures that may never be read. Employees appreciate the individual attention to their questions rather than having to review reams of documents looking for answers.And as the executives save time and effort while gaining new insights through our personal visits, this infrastructure relieves many administrative burdens from clients’ Human Resources departments.

Few people worry that corporate executives and other highly-compensated employees are victims of discrimination. Yet, many such executives are discriminated against every day through their employers’ benefit programs. The issue is one of degree.

Our client list is diverse, across a variety of industries such as financial services, real estate management, utilities and professional services. These clients include:

• Jefferies Group Investment bank• ING Financial institution• Silver Point Capital Hedge fund firm• Day Pitney, LLP Law firm• Nielsen Marketing and media information company

VOLUNTARY EXECUTIVE CARVE-OUT PROGRAMS

Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services through MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. CRN201008 – 108767 © 2012 Lenox Advisors, Inc. All rights reserved.

Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.com

Lenox Corporate Benefits

Imagine...

Imagine

At Lenox Advisors, we treat your executives as if they were our own. We specialize in designing and implementing corporate voluntary benefit offerings with discounted individual insurance and executive benefit strategies. Our Corporate Benefits practice is built around one concept: extraordinary service.

We have the technology and resources of a large operation,

but provide the personal attention of a specialty firm. With

a national presence, we can execute voluntary benefit

programs on a face-to-face basis.

When you endorse Lenox Advisors to provide objective

assessments of your executives’ individual insurance, we

become accountable. Accountable to you, your executives

and to ourselves. We use web-based service capabilities

to efficiently and effectively ensure that your executives

are getting individualized attention every step of the

enrollment and application process.

Lenox Advisors’ expertise, personalized support and admin-

istrative capabilities yield higher participation levels in

employer-sponsored voluntary insurance offerings than

you may have thought possible.

Imagine helping with your competitive advantage by att-

racting and retaining key talent. It is possible—with Lenox

Advisors.

providing personalized benefits consultation for executives

Imagine

Our team of highly skilled experts meet one-on-one with

every executive to discuss his or her unique situation.

We do not inundate your executives with marketing materials

and enrollment or application forms. We sit down, face to

face, and review the offerings.

Executives gain a deeper personal understanding of the

benefits offered—how they work with the existing coverage

and fit into their overall financial portfolios.

We save Human Resources professionals valuable time

by being the point people who field executives’ questions

and inquiries.

“Decision-making about benefits is shifting to the employee, yet employees often don’t have the information, support or advice needed to make those vitally important decisions.”Source: Benefits Selling Magazine, December 2007

Imagine how your executives will feel about the personalized

treatment and attention available in helping design, under-

stand and implement their new insurance protection.

Imagine giving executives access to a firm that Investment

Advisor magazine describes as the “epitome of wealth

management done right.”*

With Lenox Advisors, executives are introduced to knowl-

edgeable and highly skilled professionals—professionals

who will help them seize unique opportunities while saving

them time, effort and frustration.

Our parent company, National Financial Partners Corp.

(NYSE:NFP) , provides us access to a wide range of insurance

carriers and the critical mass needed to negotiate favorable

rates. This enables us to identify appropriate strategies

designed to help meet your executives’ specific needs.

Our corporate programs usually allow for discounted rates

not available in the individual retail market.

We can often leverage the industry’s leading electronic

application technology to help maximize the efficiency of

your executives’ benefits experience.

Imagine giving your executives the sage advice and com-

petitive products specifically suited to meet their needs.

*Investment Advisor, July 2006

Imagine working with Lenox Advisors and accumulating goodwill from your executives without bearing additional administrative burden or costs.

adding value without adding cost or administration

Imagine

Our voluntary offerings cost your company nothing. Your

employees choose to apply and pay for the offerings.

There is little or no additional administrative burden to your

firm. Lenox can do virtually everything:

• Coordinate and manage insurance carrier and vendor

relationships

• Oversee underwriting process

• Plan and execute employee communications

• Offer one-on-one and online educational and application

services

We use web-based service capabilities to monitor every

detail of the enrollment and application process to help

ensure that your program is successfully implemented.

We develop communications that reinforce your key mes-

sages and philosophy about benefits.

Our personalized service extends well beyond underwriting

and delivery of the policy. Whether it’s a general question

about the policy, a need to revise coverage or even the

need to initiate a claim, the employee can deal directly with

his or her Lenox representative.

You gain value by providing a tremendous opportunity

for executives to get something they may not be able to

get elsewhere. You are helping them secure their financial

future and demonstrating in a very real way that they are

important. Showing you care goes a long way in the race to

attract and retain talent.

Corporate Headquarters530 Fifth Avenue 11th FloorNew York, NY 10036Tel: (212) 536-8700Fax: (212) 536-6014

Two Stamford Plaza281 Tresser Boulevard 10th FloorStamford, CT 06901Tel: (203) 978-2200Fax: (203) 978-2222

300 South Wacker Drive 8th Floor Chicago, IL 60606Tel: (312) 347-1680Fax: (312) 803-2113

535 Pacific Avenue 2nd FloorSan Francisco, CA 94133Tel: (415) 486-2180Fax: (415) 486-2182

www.lenoxadvisors.cominfo@lenoxadvisors.com

Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc. offers access to securities and asset management services through MML Investors Services, Inc., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC.

Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, Inc. for purposes of offering securities and asset management services, as applicable.

Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc. and NFP are not affiliates or subsidiaries of MML Investors Services, Inc. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, Inc. CRN201008 - 106529

“ I know how difficult it can be to allow another company to consult

directly with employees, even if it’s to their employees’ benefit. And

year after year, some of the biggest and best-managed corporations

trust their employees to Lenox Advisors. That choice is based on

Lenox’s capabilities and grasp on employee benefits—its strategies,

management and processes. That is a remarkable accomplishment.”

Jessica Bibliowicz Chairman, President and Chief Executive Officer National Financial Partners