Table of Contents

AIG TravelAIG Travel AssistAIG Travel Guard DifferenceWhy Sell Travel InsuranceGeneral InformationProduct OverviewSelling TechniquesOvercoming Common ObjectionsTechnology Solutions

AIG Travel

American International Group, IncUnmatched global capabilities

Over 100,000 employees worldwide130 countries and jurisdictionsLeader in virtually every category

Financial StabilityOver $900 billion in assetsForbes Magazine: AIG is 6th largest company

in the world

AIG Travel

AIG Travel GuardWholly-OwnedWorld’s largest provider of travel

insurance and assistance plansEstimated 60% market shareBroadest protection availableHighest service standards in the

industry

AIG Travel Assist

AIG Travel Assist

AIG Travel Assist

AIG Travel Assist

AIG Travel Assist

AIG Travel Guard Difference

Superlative Customer ServiceOpen 24 hours a day, 7 days a weekAll calls answered within 30 secondsStaffed for general Customer Service,

LiveTravel® Service and Emergency Medical Service

Medical referrals and assistance provided within 5 minutes and assistance continues until emergency has ended and client has returned home

AIG Travel Guard Difference

Industry Leading Claims StandardsInitiated on the first phone callAll claims checks mailed within 24 hours

of receipt of final documentation90% of all claims paid within 14 days“The Fairness Principle”

AIG Travel Guard Difference

Training & MarketingDedicated representativesRecurrent training sessions for sales and

reservations staffProvide training aids including selling

guides, Why Buy Insurance materials, etcIn-house marketing team that will provide

online and offline marketing assistance

Why Sell Travel Insurance

Protect your clientsProtect your agencyIncrease your revenueProducts available to meet your

clients needs

General Information

Policies may be purchased up to 24 hours prior to departure Insured receives additional benefits when

purchased within 15 days of initial trip payment

Who can purchase?US, Canada, Puerto Rico ResidentsNot available to clients residing in Washington,

New York, Oregon

When does the policy go into effect?12:01am following purchase

General Information

Does a client have to insure all trip costs?Yes, clients need to insure all pre-paid, non-

refundable costs associated with their travel arrangements including administration fees

If I have a client that is 59 today, but will be 60 at the time of travel, what price should I use for the insurance?59; age is determined at the time of purchase,

not at the time of travel

General Information: Modify Policy

Can a client make changes to a policy after purchase?Policies may be modified prior to the original

departure date listed on the policy If a policy is modified, clients will not be able to

file a claim on the previous policyHow do we modify a policy?

ezTIPS™: Right click on ezTIPS™ icon by the clock of computer; select Modify Policy; complete information; submit

Toolbox: Click on Toolbox; select Modify Your Policy; complete information; submit

General Information: Refunds

Can a client get a refund on a policy? Yes, AIG Travel Guard has a Satisfaction Guarantee

that allows clients to request a cash refund within 15 days of purchase date

Refunds can not be requested after the departure date

How do I request a refund on a policy? Refund requests must be submitted in writing by the

agency or insured Email refund requests to refund@travelguard.com

Product Overview

Cruise, Tour & Travel (Platinum)

ProtectAssist (Gold)

Travel Guard Essential Expanded (Silver)

Travel Guard Essential (Basic)

My Travel Guard (Custom)

Air Ticket Protection (Air Only)

Group Protection Plan (Group Only)

MedEvac (Annual)

Product Overview

Cruise, Tour & TravelPlatinum Program

Most comprehensive plan availableThe “Cadillac” of all travel insurance plansPrimary Coverage – we pay firstValue Added Packages

Cancel For Any ReasonCancel For Work ReasonsUmbrella Package

Pricing available to $100,000 per person

Cruise, Tour & Travel(Platinum)

Coverage Limits

Trip Cancellation100% Trip Cost

(maximum $100,000; pre-ex waiver up to $50,000)

Trip Interruption 150% Trip Cost

Trip Interruption-Return Air Only $1,000 or 150% Trip Cost (whichever is greater)

Trip Delay $1,000 ($200 per day; 5 hr delay)

Missed Connection $500 (3-5 hour delay)

Baggage & Personal Effects $2,500

Baggage Delay $500 (24 hr delay)

Medical Expense $50,000

Emergency Medical Transportation $1,000,000

Accidental Death & Dismemberment $50,000

AIG Travel Assist Included

LiveTravel® Assistance Included

Concierge Service Included

Identity Theft Assistance Included

Business Assistant Included (with Cancel For Work Reasons package)

Roadside Assistance Included

Must be purchased within 15 days of initial trip payment Pre-Existing Medical Condition Exclusion Waiver

All pre-paid, non-refundable costs need to be insuredCost of any subsequent arrangements added to the

same trip must be insured within 15 days of the date of payment for the subsequent arrangements

Insured must be medically able to travel at time of purchase

Applies to first $50,000 Trip Cost per person Financial Default Coverage

Default must occur more than 14 days following effective date of policy

List of suppliers no longer covered

Cruise, Tour & Travel(Platinum)

Extra Benefits

Cancel For Any Reason Covers up to 75% of Trip Cost Cancellation must occur more than

48 hours prior to departure Must be purchased within 15 days

of initial trip payment Premium: 1.5 Base Plan Cost

Cancel For Work Reasons Covers for cancellation due to:

Being required to work; Company directly involved in

merger, acquisition, government required product recall, or bankruptcy proceedings

Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster

Must be purchased within 15 days of initial trip payment

Premium: $24 per adult

Cruise, Tour & Travel(Platinum)

Optional Coverages

Umbrella Package Missed Connection Benefit

Increases to $750 Double Medical Expense

Coverage Enhanced Emergency Medical

Transportation “Hospital of Choice”

Premium: Varies By Age Car Rental Insurance Coverage

Maximum: $35,000 $250 Deductible Premium: $9 per day per car

Flight Guard®

Maximum: $500,000 Premium: $9 per $100,000

Pricing

$6 service fee applies per policy

$3 service fee applies to each additional package purchased

Pricing available to $100,000 per person

Trips exceeding 30 days, $5 per day per person

Cruise, Tour & Travel(Platinum)

Trip Cost (Per Person)

Age0-34

Age35-59

Age60-69

Age 70-74

Age 75-79

Age 80-84

Age85+

$0 $26 $30 $44 $50 $66 $99 $114

$1-$250 $31 $36 $53 $59 $77 $114 $131

$251-$500 $36 $42 $62 $68 $87 $128 $148

$501-$1000 $62 $75 $104 $122 $152 $220 $240

$1001-$1500 $90 $103 $146 $172 $222 $321 $341

$1501-$2000

$116 $143 $187 $220 $297 $435 $448

$2001-$2500

$145 $178 $229 $284 $373 $545 $555

$2501-$3000

$170 $214 $272 $342 $448 $662 $673

$3001-$3500

$195 $258 $314 $400 $539 $773 $789

$3501-$4000

$219 $293 $356 $458 $617 $884 $903

$4001-$4500

$245 $328 $397 $530 $714 $994 $1015

$4501-$5000

$270 $375 $440 $590 $799 $1090 $1129

Product Overview

ProtectAssistGold Program

Most popular package planSuitable for most vacation and leisure tripsSecondary CoverageChildren 17 & under included at no additional costValue Added Packages

Cancel For Any ReasonCancel For Work ReasonsUmbrella Package

Pricing available to $100,000 per person

ProtectAssist(Gold)

Coverage Limits

Trip Cancellation 100% Trip Cost (maximum $100,000; pre-ex waiver up to $30,000)

Trip Interruption 150% Trip Cost

Trip Interruption-Return Air Only $750 or 150% Trip Cost (whichever is greater)

Trip Delay $750 ($150 per day; 5 hr delay)

Missed Connection $250 (3-5 hour delay)

Baggage & Personal Effects $1,000

Baggage Delay $300 (24 hr delay)

Medical Expense $25,000

Emergency Medical Transportation $500,000

AIG Travel Assist Included

LiveTravel® Assistance Included

Concierge Service Included

Identity Theft Assistance Included

Business Assistant Included (with Cancel For Work Reasons package)

ProtectAssist(Gold)

Extra Benefits

Must be purchased within 15 days of initial trip payment Pre-Existing Medical Condition Exclusion Waiver

All pre-paid, non-refundable costs need to be insured Cost of any subsequent arrangements added to the same

trip must be insured within 15 days of the date of payment for the subsequent arrangements

Insured must be medically able to travel at time of purchase

Applies to first $30,000 Trip Cost per person Financial Default Coverage

Default must occur more than 14 days following effective date of policy

List of suppliers no longer covered Missed Connection Benefit Increases to $500 $50,000 Flight Guard®

ProtectAssist(Gold)

Optional Coverages

Cancel For Any Reason Covers up to 50% of Trip Cost Cancellation must occur more than 48

hours prior to departure Must be purchased within 15 days of

initial trip payment Premium: 1.4 Base Plan Cost

Cancel For Work Reasons Covers for cancellation due to:

Being required to work; Company directly involved in

merger, acquisition, government required product recall, or bankruptcy proceedings

Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster

Must be purchased within 15 days of initial trip payment

Premium: $24 per adult

Umbrella Package Double Medical Expense Coverage Upgrade Medical Expense to

Primary Coverage Double Emergency Medical

Transportation Enhanced Emergency Medical

Transportation “Hospital of Choice” $25,000 Accidental Death &

Dismemberment Premium: Varies By Age

Car Rental Insurance Coverage Maximum: $35,000 $250 Deductible Premium: $9 per day per car

Flight Guard®

Maximum: $500,000 Premium: $9 per $100,000

ProtectAssist(Gold)

Pricing

Trip Cost (Per Person)

Age0-34

Age35-59

Age60-69

Age 70-74

Age 75-79

Age 80-84

Age85+

$0 $18 $28 $34 $46 $53 $89 $96

$1-$250 $22 $32 $37 $49 $58 $93 $101

$251-$500 $24 $36 $40 $51 $60 $95 $105

$501-$1000 $41 $52 $65 $89 $108 $144 $172

$1001-$1500 $53 $71 $89 $117 $154 $202 $242

$1501-$2000 $72 $94 $123 $166 $201 $261 $311

$2001-$2500 $92 $118 $152 $205 $248 $320 $381

$2501-$3000

$111 $139 $181 $245 $295 $379 $453

$3001-$3500

$130 $148 $211 $284 $340 $439 $522

$3501-$4000

$148 $162 $240 $323 $388 $519 $592

$4001-$4500

$165 $185 $303 $362 $434 $577 $662

$4501-$5000

$184 $206 $340 $401 $481 $652 $731

$6 service fee applies per policy

$3 service fee applies to each additional package purchased

Pricing available to $100,000 per person

Trips exceeding 30 days, $5 per day per person

Children 17 & under related to primary insured receive coverage at no additional cost when all accompanying adults purchase

Selling Techniques

Offer insurance with each trip bookedDocument if client does not purchase Stress value of adequate insurance

protectionRemind clients of cancellation conditionsUse testimonials or travel mishaps from

other customersExplain AIG Travel Guard Satisfaction

Guarantee

Overcoming Common Objections

I’m going on this trip no matter what.It’s too expensive.I already have insurance coverage.My credit cards provide coverage.Why should I purchase AIG Travel

Guard instead of the tour operator or cruise line protection?

Technology Solutions

ezTIPS™Reduces transaction timeProvides 3-Step Power QuotingTransfers information from your reservation

systemAgent Website

Listed in the Top 10 Travel Industry Websites by Travel Weekly

AIG Travel Guard ToolboxProvides agents access to Policy Tools; Alerts;

Claims

Technology Solutions

ezTIPS™

Technology Solutions

Agent Website

Technology Solutions

AIG Travel Guard Toolbox

Contact Us

IMPORTANT

When you or your clients have detailed questions, refer to our World Service Center:

1.800.826.1300

THANK YOU

Sales Representative NameSales Representative Title1.800.826.7791 ext. 17005

Mark.Polzin@aig.com