How Non-Traditional Benefits Can Increase Your Incomeand Help Make Employees Happy

EBA SummitSeptember 15, 2009

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Elizabeth Halkos

Vice President Sales and Marketing

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The Playing Field

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The World Economy

Increasing Unemployment

Subprime Mortgage Crisis

Declining GDP

Failing FinancialInstitutions

The Market’s Impact on You

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• Have your priorities changed? • If so, what are you doing to address them?• How have your clients’ priorities changed? • How are you planning to accommodate for

lasting changes to your business?

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Employers

• Companies under stress and in trouble

• Need to cut costs• Increasing healthcare

costs• Boost morale and

performance of employees

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Consumers are on Defense• Jobless rate is 9.7

percent• 119 million are credit

challenged• Cautious consumerism• 15-20% of employees

have financial problems severe enough to negatively affect productivity

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Inside the Huddle

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Voluntary Benefits

Originally:• Long-term care• Disability• Critical illness

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Evolution of Non-traditional Benefits

Now:• Prepaid legal• Pet insurance• Wellness programs• Purchase programs

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The Ultimate Goal

“Anything companies can do to reduce that

stress level for employees is

something you have to look at.”

- The Wall Street JournalMarch 18, 2009

Why Voluntary Benefits?

Demand from Your Clients• Increased healthcare costs and its impact on

your clients • The need to offer a competitive benefits

package in today’s environment• Seeking easy to implement and low-cost

benefits

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Purchasing Power: A Winning Record

• Helped bridge the digital divide

• Promotes financial wellness

• Creates opportunity for brokers to recognize and meet a need

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Our Playbook

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Benefits to the Employer

• Help retain and recruit employees

• Stay competitive• Boost morale• No additional cost

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Benefits to the Employee

• Less stress• Financial wellness• Needs are fulfilled

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Case Study

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Recap

• The Playing Field• Inside the Huddle• The Ultimate Goal• Our Playbook

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Senior Vice President, Worksite National

Practice Group

Steve Farish

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Scouting Report

The Market’s Impact on You

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• Have your priorities changed? • How have your clients’ priorities changed? • How are you planning to accommodate for

lasting changes to your business?

Your Playbook is Changing

• Staying competitive as a broker• Changing commission

structures • Offering innovative products to

meet the diverse needs of your clients

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• Healthcare Case Study • School System Case

Study

Case Studies

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It’s a Win, Win, Win!

• Employers• Employees• Brokers