ABA has aligned with Digital Insurance!

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2 ABA has aligned with Digital Insurance! Who is Digital Insurance? Digital Insurance is the largest, most technologically advanced employee benefitsonly agency in the U.S. Distinguished by its focus on innovation and education, the company creates greater value for employers and inspires individuals to become more engaged health care consumers. What We Offer? A comprehensive suite of employee benefits products, from over 400 insurance carriers and administrative service providers. We pair these solutions with turnkey HR compliance, plan analytics, employee communication and enrollment services. Digital Advantage Suite The Digital Advantage suite is our best of breed suite of employee benefits offerings. These are proprietary products available through Digital Insurance. Key Features Designed to complement and enhance the benefits program you currently offer. No underwriting. Those who enroll in the coverage will receive it. Can be funded by any combination of employer or employee funds. Simplified enrollment, billing and plan administration. An important element of building your franchise is your employee benefit program. We have aligned with Digital Insurance, to provide you access to the employee benefits industry s fastest growing, most innovative and most comprehensive specialist. Employee benefit programs are an important element of the recruiting and retention of the employees that are a critical part of developing your business. The nature of what you offer and how you communicate with your employees and at the same time ensure you meet your budget objectives is rapidly evolving. Digital offers you a comprehensive suite of benefit products and services in an ala carte format. You choose the products and services that best fit the needs and budget your business. Most products can be funded by any combination of employer or employee funds. This program offers you unique solutions only available through Digital Insurance. Digital Insurance is your human resources and employee benefits partner. Your employee benefit solution options include: Core coverages like medical, dental, and vision Life and disability insurance Integrated Benefits that help supplement your core coverage options Getting started is easy! 1. Complete the proposal request form available at: or 2. Contact Marc Ballard at: mballard@tampabay.rr.com The following descriptions of available benefits are purely informational and have been provided to you for illustrative purposes only. Payment of benefits will vary from claim to claim within a particular benefit option and will be paid at the sole discretion of the applicable insurance provider for each benefit option. The terms and conditions of each applicable policy or certificate of coverage will provide specific details and will govern in all matters relating to each particular benefit option described in this summary. In no case will any information in this summary amend, modify, expand, enhance, improve or otherwise change any term, condition or element of the policies or certificates of coverage that govern the benefit options described in this summary. Digital Insurance assumes no responsibility for, nor shall it be obligated to, pay for or provide benefits under any of the benefit options described in this guide.

3 Choose the benefits options that are the right fit for your group. Not all insurance policies or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including policy limitations and exclusions.

4 Why Consider Medical Insurance? Gain control of the rising costs associated with employee benefits, while actually improving benefits for certain health care-related expenses. When it comes to determining the right strategy for your organization s health insurance plan, one size definitely doesn t fit all. There are many considerations that factor into making the best choice for your employees, including group size, industry, location, budget and health factors of those to be covered. Digital Insurance can help you navigate your options and develop a benefits program that makes sense not just for now but for future years as well. Our consultants specialize in understanding your business, your market and your challenges. Health insurance options are changing and making the right benefits choices have an impact on your business and your employees. The escalating cost of providing health care benefits is increasingly challenging for employers. Uncertainty surrounding health care reform and other market trends has forced many businesses to make difficult decisions that negatively impact the finances and quality of care for employees and families. Digital Insurance helps over 20,000 employers nationwide with their employee benefits choices. There is much discussion these days about Health Care Marketplaces. We have been helping employer groups of all sizes understand their options for over 12 years. With the introduction of new public and private Marketplaces, we will help you decide if your best option includes sending employees to a public or private Marketplace or if continuing with your own company plan is best. Then we will help your employees understand their options and make good choices. We have a team of consultants that are specialists in each of their respective markets nationwide. Not all insurance policies or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including policy limitations and exclusions.

5 Source: American Heart Association, Heart Disease and Stroke Statistics Update: A Report from the American Heart Association, p.3. Use of statistics does not imply endorsement Why Consider Critical Illness Insurance? A major cause of personal bankruptcy in the United States is expenses and loss of income due to health care-related treatments. With advances in medicine, many people are now surviving treatment of a critical illness. Unfortunately, surviving the financial impact of treatment and loss of income is another story. Critical Illness insurance is designed to help address the cost not covered by medical insurance. Sample Monthly Rates for $10,000 (Non-Tobacco User) (Spouse and Children receive 50% of the Employee's elected benefits amount) Age Employee Only Single-Parent Family Two-Parent Family 25 $13.50 $15.95 $ $14.70 $17.15 $ $21.30 $23.75 $ $33.20 $35.65 $ $72.40 $74.85 $ Up to $20,000 of coverage is available on a Guaranteed Issue basis. Applicants will receive coverage regardless of personal or family medical history. The policy pays a lump sum benefit directly to the insured upon the initial diagnosis of a covered critical illness. Benefits are also available for subsequent critical illnesses, second diagnosis of same illness and for wellness screenings. This lump-sum payment provides employees the flexibility to spend the money on whatever makes sense for them and their family, which might include basic monthly expenses like mortgage payments, car insurance, groceries and childcare. Plan Benefit Covered Illness % of Benefit Heart Attack 100% Stroke 100% Category 1 Heart Transplant 100% Coronary Bypass Surgery 25% Angioplasty/Stent 5% Major Organ Transplant (excluding heart) 100% Category 2 End-Stage Renal Failure 100% Paralysis not due to Stroke (all 4 limbs) 100% Burns (3rd degree of 50% coverage) 100% Invasive Cancer 100% Category 3 Carcinoma in situ 25% Prostate Cancer with TNM Classification T1 25% Skin Cancer 5% Annual Wellness Benefit Per Covered Person $150 This is a brief summary of Critical Illness Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Form Series CPCI0400 and CCI0400. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This presentation is not complete without the product brochure that includes the full list of limitations and exclusions. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

6 Why Consider Accident Insurance? Accidents and injuries can happen at any place or at any time and the results can be costly. This policy also pays benefits even if you don t have an accident. As one of your most important assets, it is important to help protect your employees and ensure they bounce back from whatever life throws at them. The AccidentAdvance policy offers off-the-job benefits for accidents. The annual wellness benefit covers health screening tests such as mammography, colonoscopy and a cholesterol test and pays in addition to any other coverage. Coverage cannot be denied due to past medical history, and there are no medical questions to answer. Choose from two plan options: DESCRIPTION OF BENEFITS PLAN 1 PLAN 2 Initial Hospitalization Benefits $1,500 $1,500 Accident Emergency Treatment $50 $50 Major Diagnostic Examination Benefits $80 $80 Accident Follow-up Treatment Benefits $40 $40 Physical Therapy Benefits $40 $40 Dislocation Benefits $60 - $1,600 $60 - $1,600 Fracture Benefits $140 -$2,000 $140 -$2,000 Ambulance Benefits $300 -$1,500 $300 -$1,500 Accidental Death and Dismemberment $0 Up to $45,000 Accident Hospital Income Benefits (up to 365 days per accident) $0 $200/day Accident Hospital ICU (up to 15 days per accident) $0 $600/day Burns $0 Up to $14,400 Coma $0 $18,000 Paralysis $0 $9,000-$18,000 Annual Wellness Benefits (for employee & covered spouse) $150 $150 SAMPLE MONTHLY PREMIUM PLAN 1 PLAN 2 Employee Only $12.50 $18.75 Employee & Child(ren) $14.52 $23.73 Employee & Spouse $19.32 $29.04 Employee & Family (including spouse and children) $21.36 $34.28 AccidentAdvance insurance policy is designed to provide benefit payments to help protect against the high cost of accidents. Why do your employees need it? Because it pays benefits regardless of any other insurance they might have. Plus, you ll have the comfort of knowing that your employees will still be covered even if their medical insurance doesn t pay. Payments are made through convenient payroll deductions. This is a brief summary of Accident Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Form Series CPACC100 and CCACC100. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This presentation is not complete without the product brochure that includes the full list of limitations and exclusions. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

7 Why Consider Dental Insurance? Providing comprehensive, quality benefits to your employees for the best value is especially difficult in today's economic environment. Make a smart investment while promoting overall wellness by offering dental coverage a desirable employee benefit. Dental insurance is unique from other types of insurance in that it is purchased with the intent to use it. It is a valuable supplement to any employee benefits program. As employers and employees continue to place more emphasis on wellness, dental care is another means of early detection of other potentially serious (and expensive) health concerns, including heart disease, diabetes and cancer. Our Digital Advantage Dental plan includes features that provide traditional dental care, as well as overall wellness-related exams. Several employees surveyed say voluntary benefits provide greater protection for their families. Key Features of Digital Advantage Dental Can be funded by any combination of employer or employee funds Access to over 79,000 network dental care providers Average network discounts = 32 percent Premium discounts through Digital Insurance 2 nd year rate increase limited to maximum of 4 percent Unique combination of dental care and disease detection benefits Rates and plan designs are quoted by location, industry and employer Your Digital Advantage agent will help you select the plan design and benefit features that best fit the needs and affordability objectives of your group. This is a brief summary of Dental Insurance underwritten by The Guardian Life Insurance Company, New York, NY. Not all plans or plan features are available in all jurisdictions. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including plan limits and exclusions.

8 Why Consider Vision Insurance? When it comes to being able to maintain the highest level of health within a family, prevention is key. An early diagnosis can lower the cost of treatment and catch the disease or problem before it gets out of hand. As our population continues to grow older, the need for vision correction increases. In fact, 75 percent of adults in the United States use some form of correction. Source: The Vision Council Eye Strain Report 2012 The Digital Advantage Vision program provides the ideal combination of private practice and retail chain providers. Underwritten by UnitedHealthcare, over 19 million members enjoy receiving care from a nationwide network of over 35,000 vision care providers. Key Features of Digital Advantage Vision Unique plan designs Discounted rates 2-year rate guarantee Packaged-savings program Eyeglass lenses include standard scratch resistant coating at no extra charge Discounts on mail order contacts Access to discounted laser vision correction Reduced out-of-pocket expenses for non-covered options This is a brief summary of Vision Insurance underwritten by UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company. UnitedHealthOne is a brand representing the portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company is the underwriter and administrator of these plans. These products are available only in the U.S. International medical insurance is underwritten by different companies that are not related to Golden Rule. Dental and vision products are administered by related companies. All products require separate applications. Product availability varies by state. Not intended for use in Arizona or New Mexico.

9 Source: LIMRA Facts About Life 2013 Use of statistics does not imply endorsement. Why Consider Interest Sensitive Whole Life Insurance? Interest sensitive whole life insurance can provide an additional source of financial protection for employees and provide additional options for their retirement. Without a medical exam, interest sensitive whole life insurance coverage with long-term care benefits can be purchased and will build cash value with a guaranteed 4 percent interest rate. Individuals can help protect themselves and eligible members of their family, all with the convenience of payroll deduction. Employees can also keep their coverage and take it with them if they ever leave the company. Key Product Features Guaranteed issue to $75,000 of employee coverage Aggregate participation minimum enrolled is 5 lives Terminal illness benefits Cash value accumulates with guaranteed interest rate of 4 percent Policy loan provision Coverage available for employee, spouse, children and grandchildren Rates never change Paid up insurance benefits at age 65 (if 15 years of premiums have been paid) Sample Rates and Values - $50,000 coverage Issue Age Monthly Premium Cash Value at Age 65 Total Premium Paid to Age $30.04 $19,414 $14, $48.12 $17,592 $17, $79.79 $14,319 $19, $ $8,354 $18,219 Coverage amounts available include $25,000, $50,000 or $75,000. If anyone is laid off from their full-time job, there s also protection that pays for the policy for as long as six months. Here s another plus: If an individual buys this policy and continues to pay the monthly cost, after 15 years or at age 65, whichever is later, they ll have a paid-up life insurance policy for half of the benefits amount that s theirs to keep. In addition, employees can purchase whole life policies for their spouse and each eligible child and grandchild. They can also choose to attach term life insurance protection to their policy or their spouse s to add extra coverage for their children. With the convenience of payroll deductions and a range of policy choices, this is a great benefit. *In using the term permanent, it is important to note that coverage could lapse prior to the maturity for non-payment of premiums. This is a brief summary of Trans$ure SM, Interest Sensitive Whole Life Insurance Policy underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPWL0100 and CCWL0100. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

10 What Is An Advocate? One who supports or promotes the interests of others. Insurance is complicated. Digital understands. Workers call us from the pharmacy, needing immediate answers. We respond. Employees call us from emergency rooms, desperate because of an insurance mix-up. We act. Many right from home, pleading for assistance on a claims or billing issue. We help. Do you really have the time to deal with all your workers questions about insurance claims, plan eligibility, provider networks or billing? Here s the perfect solution to increase employee satisfaction and productivity, while saving you time and money. With Digital, your employees have an ally by their side every step of the way (an ally that saves you time). Our customer advocates are eager to provide confidential answers to your employees questions about claims, eligibility, provider networks, plan design features, pharmacy issues and more. If your employees have a benefits-related problem, Digital s Customer Advocate Center will solve it. We re all about simplifying the health care journey and fixing insurance snags, glitches and hold-ups of all types. How we help your employees: Educate employees on how to use their benefits Help employees understand enrollment options Facilitate resolution on eligibility/billing issues Assist workers with claims Interpret insurance payment outcomes Provide alternative suggestions to satisfy patient needs Locate in-network providers And much, much more Because we specialize in creating great customer experiences for small and mid-sized businesses, meeting your needs is a priority. Digital has the expertise, resources and technology to follow through on that promise. A phone call is always quickest, but we re also available by , fax and online chat.

11 For more information, please visit our website DBA_BG 9/13