Merastar s Group Auto & Home Benefit Program

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1 Merastar s Group Auto & Home Benefit Program Paul A. Broyles, CLU (800) x 7884 (423) Mobile: (423) William J. Capone, CPIA, LUTCF (800) , ext (423) Mobile: (423) FAX: (423)

2 Benefit Program Overview Founded in 1974 by UnumProvident Rated A- (Excellent) by A.M. Best Specialize in the Employer-Sponsored Property & Casualty Business Voluntary Benefit offering Payroll Deduction for sponsored groups over 500 eligibles Coverage available in all states except: HI, AK, & MA (homeowners not available in FL) 2

3 Benefits for Employers Helps round out competitive benefits package Effective Turn Key Marketing Program Payroll deduction and unique discounts No employer contribution required No minimum participation Safety Education Program Simplified administration 3

4 Benefits for Employees Competitive rates for property and casualty insurance Group discounts Individually tailored Convenient payment options Easy access to information Superior customer service Claims specialist available 24/7 Safety Education Program Fully portable coverage Licensed, non-commissioned insurance counselors 4

5 Benefits for Brokers No P&C license required (consultant fee payable) No minimum production requirements Earn extra income with competitive first year and renewal commissions Profit sharing opportunities Strengthen your relationship with existing accounts Open the door to prospective customers and make a good impression with our program 5

6 Benefit Summary Enrollment & Eligibility- year round enrollment Various Payment Methods Multiple Ways to Get a Quote Customer Service Support 24/7 Claims Reporting Comprehensive Marketing Plan 6

7 Auto Insurance Advantages Account discount* for employees of a sponsored group On average, our new policyholders save $462 per year.** Exclusive Safe & Sound discount Multi-Policy discount Vehicle discounts (anti-lock, airbag, etc ) Good Student discount *Availability of discounts may vary. **Savings amount is based on insurance premium information provided by new Merastar policyholders from May 2004 April

8 Home Insurance Advantages Comprehensive product line: - Homeowner -Condo -Renter Exclusive Safe & Sound discount Protective Device Credit Auto-Home discount Identity Fraud Expense coverage available Escrow billing* available * Availability of discounts and payment options may vary. 8

9 Other Coverages Available Boat Personal Excess Liability (umbrella) Recreational Vehicle* Motor Home* Motorcycle* *Offered through our joint venture partners Progressive and Foremost Insurance Companies. 9

10 Budget-Friendly Payment Methods Payroll Deduction Electronic Bank Draft- monthly or semi-monthly Direct Bill- monthly or quarterly Escrow payments for homeowners * Availability of payment options may vary. 10

11 Convenient Ways to Get a Quote Phone: Merastar ( ) Fax: Mail: P. O. Box Chattanooga, TN Web: There is not one thing that I would change about Merastar. I have been with Merastar for at least 10 years or more and I really love the company. They have been very good to me over the years. Jane M., Minneapolis, MN 11

12 Website: Future Website Enhancements: Auto Quick Quotes 24/7 Push to Talk assistance Homeowner Quick Quote Additional Self Service features available Links to Auto & Home Safety Information 12

13 Superior Customer Service 96% customer satisfaction rating for 2005 Service available by phone, web, fax, or mail Enhanced website Non-commissioned sales counselors to review coverage options Same toll-free number for sales, claims, and service: Merastar ( ) I am very impressed with every person I have spoken with. I feel they all go above and beyond. Thank you. - Michelle L., Pawtucket, RI 13

14 Claims Service New web-based claims system utilizes enhanced technology for more efficient claims handling Employees can report claims 24 hours/day, 7 days/week, 365 days/year 96% of customers are satisfied with our claims service Representative will call insured within 24 hours of the initial call Merastar s Direct Repair Program- we will pay the repair shop directly and guarantee the work as long as insured owns vehicle Most auto claims are settled within 7 days after receipt Partnership with Hertz and Enterprise Partnership with SafeLite Auto Glassrepair glass claims when and where it s convenient for the insured 14

15 Comprehensive Marketing Plan Internal Distributions Home Mailings Payroll Stuffers Intranet Link New Employee Packets Posters distributions Newsletter/Publications Introductory Group Meeting Safer Times Newsletters Open Enrollment Materials Benefits Fair Pre-Distribution s Table Tents Logo on our Website Portability Information 15

16 Discover the benefits of Merastar s Auto & Home Insurance Program Paul A. Broyles, CLU (800) , ext (423) Mobile: (423) William J. Capone, CPIA, LUTCF (800) , ext (423) Mobile: (423) Merastar Insurance Company 5600 Brainerd Rd., Ste 1A Chattanooga, TN P.O. Box Chattanooga, TN (800) Merastar ( ) FAX (423) Merastar.com Getting Started Underwriting approval required for all prospective accounts Once approved and the sponsorship agreement is signed, an account manager will coordinate an implementation meeting to discuss and plan the enrollment process A comprehensive marketing plan will be developed based on the culture and environment of the account Coverage underwritten by Merastar Insurance Company, Chattanooga, TN, In Texas, homeowners by Consolidated Lloyds and in New Jersey, auto by New Jersey Skylands and homeowners by OneBeacon, which are not Merastar companies. Availability of coverage, discounts, on-line quotes and payment options may vary. In some states, a home inspection may be required before a quote may be obtained. Merastar is a registered service mark of Merastar Insurance Company. 2006

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