VoluntaryMartSM

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VoluntaryMartSM Employer Informational Session
Insurance products are underwritten by Fortis
Insurance Company and presented by Time Insurance.
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VoluntaryMartSM
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What is VoluntaryMartSM?

• A portfolio of supplemental insurance
  products that pay cash benefits directly to
  policyholders.

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The Need for VoluntaryMart

• Rising health care costs translate to a
  bigger cost burden for you and your employees
• Higher premiums
• Higher health insurance deductibles
• Higher copays
• Higher out-of-pocket costs

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Todays Reality
Benefits play a key role in recruiting and
keeping good employees, but benefit costs are
going up fast.

• VoluntaryMart supplemental insurance
• Helps you attract and retain good employees and
• Increases your employees sense of financial
  security and peace of mind
• without adding any additional cost for you!

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VoluntaryMart helps hold the line on health care
costs
How?

• You provide employees with a higher out-of-pocket
  health insurance plan that reduces your premium
  costs and
• At no cost to you, offer employees VoluntaryMart
  plans low-cost options for supplementing
  employer-provided health care benefits

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VoluntaryMart Employer Advantages

• Plans require almost no employer administration
• Product offerings are customized to meet your
  company needs
• Affordable premiums are paid by employees
• Your benefit package is enhanced with protection
  that bridges employee coverage gaps

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VoluntaryMart Employer Advantages

• You decide which products to offer
• Your employees choose and pay for the ones they
  want
• Convenient employee worksite enrollment
• Policies are mailed directly to employees

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Other VoluntaryMart Advantages

• Individual policies that are portable
• Same rates for payroll deduction, EFT or credit
  card
• Rates are designed to be affordable are not
  expected to change
• Often sold in Section 125 context

• All plans may be sold to someone purchasing an
  HSA and a qualified High Deductible health plan
• Preferred/Standard rates on easily determined
  criteria
• Simplified or guaranteed issue
• Benefits paid regardless of other coverage

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Section 125 Advantages

• Section 125
• POP plans administered at no charges
• Full flex plans available at competitive rates
• FSAs reduce your FICA tax wage base
• Employer FICA and FUTA tax savings typically
  offset all of the administration fees

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VoluntaryMart Convenience

• VoluntaryMart Website
• 24 hour/7day access
• Online Plan administration
• Online Claim Status
• Online Customer Service

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The VoluntaryMartSM Products
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VoluntaryMartSMSupplemental Insurance Plans

• Choose from 8 Plans (with Optional Riders)
• Accident
• Cancer
• Dental
• Heart/Stroke
• Hospital Confinement Sickness Indemnity
• Hospital Indemnity
• Short Term Disability
• Term Life With (Optional) Critical Illness
  Rider

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General Eligibility

• Most Products
• Adult issue age 18 through 70
• All unmarried eligible children through age 18
  (22 if a full-time student)

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Dental At-a-Glance

• Base Plan(s)
• Coverage for 4 Types of Care
• Type 1 Wellness preventive care, cleanings,
  etc.
• Type 2 Basic fillings
• Type 3 Major crowns, root canals, oral surgery
• Type 4 TMJ procedures
• Benefits are assignable
• Dental ID Card Issued

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Dental At-a-Glance

• Base Plan(s)
• Scheduled Plans no Reasonable Customary
  cutbacks
• No Networks
• Graded Benefits
• Children 15 or younger are eligible for
  Orthodontic Rider

Type of Service Year 1 Year 2 Year 3
Type 1 Wellness Full schedule Full schedule Full schedule
Type 2 Basic 50 of schedule Full schedule Full schedule
Type 3 Major 20 of schedule 50 of schedule Full schedule
Type 4 TMJ 2 year waiting period 2 year waiting period Full schedule
Individuals who replace existing coverage receive
up to a 1-year credit which advances benefits by
1 year. Example 100 of Type 2 benefits are paid
during the 1st year instead of the 50 that is
usually paid for 1st year policyowners.
Replacement policies receive up to one year
credit, in effect, advancing benefits by 1 year.
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Dental At-a-Glance

• Issue-age Rated based on each adults own
  characteristics
• Group discount given with the greater of 3 or
  more employees or 25 participation
• 10 2-adult discount
• Per-child rate for Base/All-child rate for
  Orthodontic Rider
• Family Type Individual, Individual Spouse and
  per child rate

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Dental At-a-Glance Benefit Summary
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Expanded Coverage - Optional Riders
Dental Policy Dental Policy
Optional Riders Inflation Rider
Optional Riders Orthodontics Benefits Rider
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Cancer At-a-Glance

• General Eligibility
• Cancer-related medical questions for Base
  Cancer policy- There are only a few basic
  questions to answer and no medical exam to take.

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Cancer At-a-Glance Benefit Summary
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Expanded Coverage - Optional Riders
Cancer Policy Cancer Policy
Optional Riders Hospital Intensive Care Rider
Optional Riders Return of Premium Rider
Optional Riders Specified Disease Rider
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Heart/Stroke At-a-Glance

• Base Plan(s)
• 2 Plan choices
• Waiting Period
• Work site with less than five W-2 employees 30
  days from Effective Date
• Work site with five or more employees None
• If Heart Attack, Stroke or diagnosed Heart
  Disease within first 30 days of coverage, no
  benefits for 2 years
• Waiver of Premium if totally disabled for 90 days
  due to Heart/Stroke

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Heart/Stroke At-a-Glance Benefit Summary
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Expanded Coverage - Optional Riders
Heart/Stroke Policy Heart/Stroke Policy
Optional Riders Hospital Intensive Care Rider
Optional Riders Return of Premium Rider
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Accident At-a-Glance

• Base Plan(s)
• 2 Base platforms
• Base Plan Covering Off-the-Job Accidents Only
• Base Plan Providing 24-hour coverage for
  Accidents
• 2 Benefit Levels
• Base Accident policy can cover all family members

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Accident At-a-Glance

• General Eligibility
• Adult issue age 18 through 64
• All unmarried children through age 18 (through
  age 22 if a full-time student)

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Accident At-a-Glance Benefit Summary
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Expanded Coverage - Optional Riders
Accident Policy Accident Policy
Optional Riders Off-the-Job Accident Disability Rider
Optional Riders On-the-Job Accident Disability Rider
Optional Riders Sickness Disability Rider
Optional Riders Spouse Off-the-Job Accident Disability Rider
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Hospital Confinement Sickness Indemnity
At-a-Glance

• Base Plan(s)
• 3 Benefit Level options
• Covers sickness
• Limited benefits for accidents
• 6/6 pre-existing conditions limitation
• 270-day Waiting Period for pregnancy
• 30-day Waiting Period for sickness

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Hospital Confinement Sickness Indemnity Benefit
Summary
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Expanded Coverage - Optional Riders
Hospital Confinement Sickness Indemnity Policy Hospital Confinement Sickness Indemnity Policy
Optional Riders Additional Initial Hospital Rider
Optional Riders Hospital Intensive Care Rider
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Hospital Indemnity At-a-Glance

• Base Plan(s)
• 3 Benefit Levels
• 5 Elimination Periods for sickness-related
  confinements
• All benefits for Accident and Sickness
• Outpatient surgery benefit
• 270-day Waiting Period for Pregnancy
• 30-day Waiting Period for Sickness

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Hospital Indemnity At-a-Glance Benefit Summary
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Expanded Coverage - Optional Riders
Hospital Indemnity Policy Hospital Indemnity Policy
Optional Riders Accident Benefits Rider
Optional Riders Accident and Sickness Benefits Rider
Optional Riders Additional Initial Hospital Rider
Optional Riders Hospital Intensive Care Rider
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Short Term Disability At-a-Glance

• Base Plan(s)
• Monthly Benefit amount in units of 100
• Maximum Issue amount, the lesser of
• 60 of gross income
• 70 for all in-force disability policies
• 5,000 monthly benefit

• Choice of
• Accident Elimination Period
• Sickness Elimination Period
• Benefit Period
• Benefit Amount

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Short Term Disability At-a-Glance

• Base Policy Benefits
• Policyowner Off-the-Job disability due to
  accident
• Policyowner disability due to sickness
• Waiver of premium

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Short Term Disability At-a-Glance

• General Eligibility
• Adult issue age 18 through 64
• Minimum annual salary 10,000
• Must be employed full time
• Guaranteed renewable to age 70

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Expanded Coverage - Optional Riders
Short Term Disability Policy Short Term Disability Policy
Optional Riders On-the-Job Accident Disability Rider
Optional Riders Spouse Off-the-Job Accident Disability Rider
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Term Life (with Optional Critical Illness Rider)

• General Eligibility
• Adult issue age 18 through 64
• Employee or any adult in whom employee has an
  insurable interest
• Policy terminates the earlier of 20 years or age
  70

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Term Life At-a-Glance

• Base Plan(s)
• Minimum Face Amount 10,000 or 150 annual
  premium. Maximum is 250,000.
• Available in units of 1,000 or on a
  dollar-purchase basis
• Two times the face amount for death due to
  accidents
• Waiver of Premium after 3 months of total
  disability
• Monthly Accelerated Benefit for Long Term
  Disability
• Life and Accidental Death benefit paid to
  Beneficiary All other benefits paid to
  Policyowner
• No Reduction in Face Amount due to age

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Term Life At-a-Glance

• Advantages
• VoluntaryMart is level term insurance rates
  never increase with advancing age
• Unique product features included in base policy
  are
• Waiver of Premium
• Accidental Death Benefit
• Monthly Accelerated Benefit for long term
  disability
• Death benefit restored after 5 years of recovery
  from long term disability

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VoluntaryMart Riders Recap (Available by Policy)
ACCIDENT POLICY (Variability in language should accommodate 24hr Off the Job Accident policies rather than two forms) ACCIDENT POLICY (Variability in language should accommodate 24hr Off the Job Accident policies rather than two forms)
Optional Riders Off The Job Accident Disability Rider
Optional Riders On The Job Accident Disability Rider
Optional Riders Sickness Disability Rider
Optional Riders Spouse Off The Job Accident Disability Rider
CANCER POLICY CANCER POLICY
Optional Riders Hospital Intensive Care Rider
Optional Riders Return of Premium Rider
Optional Riders Specified Disease Rider
SHORT TERM DISABILITY POLICY SHORT TERM DISABILITY POLICY
Optional Riders On The Job Accident Disability Rider
Optional Riders Spouse Off The Job Disability Rider
DENTAL POLICY DENTAL POLICY
Optional Riders Inflation Rider
Optional Riders Orthodontic Benefits Rider
LIFE POLICY LIFE POLICY
Optional Riders Accelerated Benefit For Qualifying Critical Illness Rider
Optional Riders Spouse Rider
Optional Riders Dependent Child Rider
HOSPITAL CONFINEMENT SICKNESS INDEMNITY POLICY HOSPITAL CONFINEMENT SICKNESS INDEMNITY POLICY
Optional Riders Additional Initial Hospitalization Rider
Optional Riders Hospital Intensive Care Rider
HOSPITAL INDEMNITY POLICY HOSPITAL INDEMNITY POLICY
Optional Riders Accident Benefits Rider
Optional Riders Accident and Sickness Benefits Rider
Optional Riders Hospital Intensive Care Rider
Optional Riders Additional Initial Hospitalization Rider
HEART/STROKE POLICY HEART/STROKE POLICY
Optional Riders Hospital Intensive Care Rider
Optional Riders Return of Premium Rider
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VoluntaryMart Customer Service

• Dedicated Customer Care Center 8am-7pm EST
• 1-866-387-3405 Policyholder Customer Care
• 1-866-387-3406 FAX line 24/7/365
• www.voluntarymart.com 24/7/365
• Web site - administration, online EOBs and claim
  status
• World Class Customer Service and Claims
  Administration

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Easy Enrollment Process

• Employee informational meetings
• PowerPoint presentation followed by
  question-answer session
• Applications taken on the spot

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VoluntaryMartSM
Questions?
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VoluntaryMartSM
Added Protection
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