Worksite Benefits The Future is here.

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Worksite Benefits The Future
is here.
When you have bad working conditions and still
want the case.
miQuotes, LLC January 2006
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The Power to Sell The Power to
Process Power to Deliver.
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You Provide the Client We Provide the
Technology. We Sell the insurance
You get paid.
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Fun Facts..
Able to transact business in 50 states plus
DC End of Year 2006 - 1.3 billion of life
insurance in force Primary Market Employer
Groups Associations Affinity Groups Most
popular reason agents use our turn key system -
-To install web based Voluntary Insurance
Programs when you can not get good working
conditions
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The Truth about Voluntary Benefits

• HR Departments are bogged down with
• Core Products
• Group Products
• Section 125 plans
• Providing Employees Advice
• Enrollment timing issues
• Payroll Deductions for core and non-core products
• List Billings from various vendors
• Unbelievable Administration Issues

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The Truth about Voluntary Benefits

• More and more human resource directors are
  rejecting the idea of
• Payroll deduction programs
• Managing list bills
• Setting up employee enrollments
• Being held to strict participation requirements
• Open and closed enrollment periods

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The Truth about Voluntary Benefits

• What Human Resource Directors want
• Multiple Product / Multi Company quoting engine
• No Payroll Deductions
• No List Bills
• No On-site enrollments
• No Participation Requirements
• 24/7 web based employee shopping
• Plans available to full AND part time employees
• Call center advisory service for employees

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The miQuotes Model for Voluntary
Supplemental Benefits

• No Payroll Deductions
• No List Bills
• No Required On-Site Enrollments
• Employees Shop on-line 24/7
• Employees request applications on-line
• miQuotes call center provides fulfillment
• Employees pay premiums direct to the company
• Plans available to full and part time employees
• Plans available to Employees, Spouses, Children
  and Retirees

(Full Group Customization Available)
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HR Advantage Program Voluntary
Supplemental Benefits

• Multiple Product Selection
• Term Life Insurance
• 10, 15, 20, 30 Year Term
• Return of Premium Term
• Permanent Life Insurance
• Lifetime coverage
• Cancer Insurance
• Money for the emergency
• Critical Care Insurance
• Dollars for Heart Attack, Stroke Cancer, etc.

(Full Group Customization Available)
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HR Advantage Program Voluntary
Supplemental Benefits

• Multiple Product Selection
• Accident Insurance
• Life Insurance
• Money for Fractures, burns, injuries resulting
  from accidents
• Money for the Hospital and Emergency Room
• Short Term Medical
• For Elimination Periods and COBRA Alternatives
• Student Medical Insurance
• Employees with College Bound Children

www.miQuotesHR.com
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HR Advantage Program Voluntary
Supplemental Benefits

• Portability
• Plans are individually owned
• Premiums are paid direct to the insurance company
• No HR administration
• Employee keeps policy upon termination or
  retirement
• No change in premiums

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HR Advantage Program Voluntary
Supplemental Benefits

• Sampling of Approved Insurance Companies

American General Life Insurance
Liberty Life Insurance
Presidential Life Insurance
Fidelity Guarantee
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HR Advantage Program Voluntary
Supplemental Benefits

• Current Customers

The National Association of Mortgage Brokers
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HR Advantage Program Voluntary
Supplemental Benefits

• miQuotes is Committed to You
• Fully Customized Insurance Quoting Engine
  www.miQuotesVIP.com
• Promotional Brochures for distribution to
  employees
• PDF promotion templates
• E-mail templates for employee promotion
• Newsletter templates for promotion
• 24/7 insurance shopping experience
• Nationwide call center for employee advice
• Toll free employees service phone
• Participation Tracking site - via
  www.AppTrak.miQuotes.com
• On-Site Employee Awareness Campaigns - Optional

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HR Advantage Program Voluntary
Supplemental Benefits

• Your Commitment to miQuotes
• Promote the program through normal
  employee communication methods

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HR Advantage Program Voluntary
Supplemental Benefits

• Summary of Program
• No Payroll Deductions
• No List Bills
• No Required On-Site Enrollments
• Employees Shop on-line 24/7
• Employees Request Applications on-line
• Call Center provides fulfillment
• Employees pay premiums direct to the company

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HR Advantage Program Voluntary
Supplemental Benefits

• Why Would You Not Want to offer this new and
  innovative HR Advantage Program to your Employer
  Groups or Associations?
• Contact Greg Schlatter
• 877-647-8683 ext 4528
• gschlatter_at_miquotes.com
• www.miQuotesHR.com