Bundled Solutions for Small Businesses

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1 Bundled Solutions for Small Businesses Employer-funded coverage for groups with 2 to 25 employees With American General Life Companies (American General), you ll find the solutions to build and manage a strong benefits plan, as well as help your employees protect themselves and their families. And we ve eased the burden by offering an integrated benefits package with set rates saving you time, money and energy. It s all here, from group life and AD&D to short- and long-term disability solutions, and respective rates. We offer the kind of versatility and dependability to help you stay one step ahead of your employees needs. HERE S HOW IT WORKS... Step 1. Determine eligibility* Standard plan: Groups with 2 to 25 employees Plus and Premium plans: Groups with 5 to 25 employees Note: Group must be in business for 1 year and in good financial standing. A minimum participation of 75% is required. Step 2. Select the right benefits package for you Life AD&D STD LTD Monthly Premium Standard Plan A Standard Plan B Plus Plan A Plus Plan B Premium Plan A Premium Plan B $25,000 $25,000 - $2,000 $25,000 $25,000 $500 $2,000 $50,000 $50,000 - $4,000 $50,000 $50,000 $750 $4,000 $75,000 $75,000 - $6,000 $75,000 $75,000 $1,000 $6,000 Under 40 $ $30 55-plus $68 Under 40 $ $51 55-plus $112 Under 40 $ $60 55-plus $136 Under 40 $ $92 55-plus $202 Under 40 $ $90 55-plus $204 Under 40 $ $ plus $293 Note: All amounts are guarantee issue and no medical questions are required. A gatekeeper question will be asked on the master application. Monthly premiums assume the employee qualifies for the maximum STD and/or LTD benefits based on salary; premiums will be lower for those employees that do not qualify. These rates are valid through June 30, Additionally, a $15 administrative fee per bill applies for groups of 2 to 9 lives. * Groups with the following SIC codes are not eligible for coverage: Metal Ores/Mining Industries Cigarettes/Cigars 2131 Tobacco, Chewing & Smoking Snuff 2141 Tobacco Steaming & Re-Drying 2411 Logging Sawmills & Planing 2611 Pulp Mills 2621/2631 Paper Mills/Paperboard Mills 2892 Explosives 3111 Leather Tanning & Finishing 3292 Asbestos Products 4121 Taxicabs Transportation/ Pipeline Industries 4725 Tour Operators 5093 Scrap & Waste Materials 5154 Livestock 5932 Used Merchandise Stores 6211 Security Brokers, Dealers, Flotations Companies 6221 Commodity Contracts Brokers & Dealers Operators of Residential Buildings Trusts (Religious/ Non Religious) 7021 Rooming & Boarding Houses 7032 Sporting & Recreational Camps 7342 Disinfecting & Exterminating 7381 Detective & Armored Car Service Motion Picture Production Entertainment Industries 8322 Individual & Family Services Residential Care, Social Services, Museums, Botanical Gardens 8631 Labor Unions & Similar Organizations 8661 Religious Organizations 8699 Nonprofit Membership Organizations, N.E.C Government Associations, and Regulation/ Non Classified Step 3. Send in this page along with the standard enrollment material and let American General handle the rest! Find out more about our commitment to helping your business succeed. Contact IMC at , quotes@imctr.com or visit us online at

2 Group Term Life Insurance Providing life insurance is a time-honored way for employers to help employees protect their families from the financial challenges that the death of a loved one can bring about. Group Term Life Insurance by American General can help employees build a more secure future and is an excellent way to get the attention of employees who appreciate its value, as well as educate those who haven t yet realized its importance. Group Term Life (Employer-Funded) Plan Provisions 1 Face Amount Guarantee Issue Age Reduction Waiver of Premium To age 65 Accelerated Death Benefit Conversion My Life Values 2 Instant Access Account 3 Standard $25,000 Plus $50,000 Premium $75,000 Standard $25,000 Plus $50,000 Premium $75,000 No age reductions (Standard and Plus plans) 35% at age 65 (Premium plan) 75% of face amount Plan provisions are subject to state insurance law and may vary due to such law. Valuable online Work/Life resources and retail discounts from Work & Family Benefits, Inc. Not an insurance product. In the event of death, life insurance proceeds placed in an Instant Access Account to provide beneficiaries with financial control options.

3 Group AD&D Insurance Accidental death and dismemberment (AD&D) insurance provides around-the-clock coverage for employees in the event of death, severe injuries or paralysis resulting from accidents both on and off the job. An accidental death or dismemberment can bring about financial challenges for those left behind. Group AD&D Insurance by American General is an economical means of preparing for this possibility and an easy way to add value to an employee benefits package. Group AD&D (Employer-Funded) Plan Provisions 1 Principal Amount Standard $25,000 Plus $50,000 Premium $75,000 Age Reduction 35% at age 65 Dismemberment Benefit Both hands or feet Sight of both eyes One hand and one foot One hand and the sight of one eye One foot and the sight of one eye One hand or one foot Sight of one eye AD&D Features Percentage of principal amount $10,000 seatbelt and $10,000 airbag benefit Loss must occur within 365 days Terminates Earlier of retirement or age 70 Travel Guard

4 Group Short-Term Disability Insurance We all get sick and miss a day or two of work, but sometimes a non-work-related accident or illness can keep us away longer. Unfortunately, such an absence can put strain on an employee s source of income and your business s productivity. But there is good news. With Group Short-Term Disability (STD) Insurance by American General, you ll be able to attract the quality employees you deserve and offer them the protection they warrant. Group STD (Employer-Funded) Plan Provisions 1 Benefit Percentage Maximum Weekly Benefit Minimum Weekly Benefit $25 Benefit Duration Injury/Sickness Elimination Period Maternity Same as Sickness Waiver of STD Premium 60% of weekly earnings Standard $500 Plus $750 Premium $1, weeks 7 days Pre-Existing Condition Exclusion 3/12 Partial Disability Provision Offsets My Life Values 2 Proportionate loss Social Security, state compulsory benefits, etc.

5 Group Long-Term Disability Insurance Whether due to accident or illness, an extended absence from work can put significant strain on an employee s assets and your business s productivity. But with Group Long-Term Disability (LTD) Insurance by American General both are protected. Offering LTD insurance is a time-honored method for helping get through this difficult time. Group LTD (Employer-Funded) Plan Provisions 1 Benefit Percentage Maximum Monthly Benefit Minimum Monthly Benefit Benefit Duration Elimination Period Regular Occupation Benefit Definition of Disability Partial Disability Benefit Waiver of LTD Premium 60% of monthly earnings Standard $2,000 Plus $4,000 Premium $6,000 Greater of $ or 10% of the gross monthly benefit (GMB) Social Security Normal Retirement Age (SSNRA) 180 days 24 months Zero-day residual Proportionate loss Pre-Existing Condition Exclusion 3/12 Rehabilitation Benefit Return-to-Work Incentive Workplace Modification Survivor Benefit Self-Reported Condition Limitation Mental/Nervous, Drug and Alcohol Limitation My Life Values 2 With rehabilitation benefits, 5% for 12 months With child-care expenses, up to $500 per month Applies first 12 months of covered disability Lesser of $10,000 or the liability of the LTD claim 3 times monthly payment after 180 days of disability 24 months lifetime 24 months lifetime

6 Underwriting and Information Exclusions and Limitations (state variations may apply) Eligible Employees: Living in the U.S. and working at least 30 hours per week on a full-time basis. (Hours may vary by state law.) Minimum Case Size: 2 enrolled employees Participation Requirement Noncontributory plans: percent participation Contributory plans: 75 percent participation Rate Guarantee: Two years Rates: The rates shown are attained age rates. As an employee enters a new age bracket, the premiums billed will increase to the then-current rate for that age. After the initial two year rate guarantee, subsequent renewal reviews will be on an annual basis unless otherwise noted at the time. American General Life Insurance Company of Delaware reserves the right to modify rates upon plan renewal. Plan Assumptions All Plans (Life, AD&D, STD and LTD) The group must have been in business for at least 1 year and be in good financial standing. This proposal assumes that the group is not comprised of more than 50% family members. Rates assume participation in Workers Compensation, Social Security and statutory disability plans. This disability coverage does not satisfy or replace any requirements to maintain statutory disability coverage. This proposal assumes that the business is not conducted in the home of the employer. This proposal assumes that the business is not hazardous or seasonal. This proposal assumes an employer/employee relationship for all covered groups employees are not eligible for coverage. Evidence of insurability is required for all late entrants, American General absorbs medical underwriting for timely entrants only. AD&D No benefit will be payable under the policy for an insured s loss caused in whole or in part by, or resulting in whole or in part from, the following: Suicide or any attempt at intentionally selfinflicted injury. Sickness, disease or infections of any kind, except bacterial infections. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation on a regular schedule between established airports, if the insured is: Riding as a passenger in any aircraft not intended or licensed for the transportation of passengers. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft. Riding as a passenger in an aircraft owned, leased or operated by the policyholder or by the policyholder s employer. Declared or undeclared war, or any act of declared or undeclared war. Full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority (Unearned premium for any period for which the insured is not covered due to his or her active duty status will be refunded. Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded.) The insured person being under the influence of drugs or alcohol or voluntary intake of poison, drugs, gas or fumes, unless taken under the advice of a physician. The insured person s commission of or attempt to commit a crime. Short- and Long-Term Disability Pre-existing Conditions and Exclusions Pre-existing condition means an injury or sickness that occurred within three months just before the effective date of coverage, or the effective date of any individually elected increase under the group policy, or the effective date of an increase due to a policy amendment for which the insured: Incurred charges. Received medical treatment, consultation, care or services, including diagnostic measures. Took prescribed drugs or medicines. If a disability is due to, caused by or contributed to by a pre-existing condition, and it begins in the first 12 months after the effective date of coverage, or the effective date of any individually elected increase under the group policy, or the effective date of an increase due to a policy amendment, no benefits will be paid. Exclusions and Assumptions The group policy does not cover any disability caused by, contributed to by or resulting from: Loss of professional license, occupational license or certification. Intentionally self-inflicted injuries, while sane or insane. Active participation in a riot. Attempting to commit a crime, or commission of a crime for which the insured has been convicted under federal or state law. Insurrection, war, declared or undeclared, or any act of war. The company will not pay a benefit for any period of disability during which the insured is incarcerated as a result of a conviction. Benefit is based on a percentage of employee earnings. The Certificate of Insurance will provide details on benefit percentages, rates, effective date of coverage and other important coverage information. The benefit will be reduced by the amount of any income the insured received or is entitled to receive that week from sources including Federal Social Security Act or the Railroad Retirement Act, the non-job-related disability sickness laws of any state, workers compensation, or a mandatory state auto reparation or indemnity act (no-fault insurance, where allowed by law). Please see the Certificate of Insurance for additional reduction sources. Short-Term Disability Only Occupational sicknesses or injuries are excluded; however, disability due to occupational sickness or injury for partners, professional corporation (PC) partners, owners-employees or sole proprietors and/or S-Corporation shareholders that cannot be covered by workers compensation law, occupational disease law or similar law will be covered. This plan can be used to supplement state plans in California, New Jersey, New York and Rhode Island. Note: Exclusions may change based on the plan provisions included in your plan. See the group policy for full and complete details.

7 Why Choose American General Life Companies American General has been protecting the hopes and dreams of American families for nearly a century. With more than 4,000 employees and offices and service centers across the country to serve our producers and customers, American General insurers now rank among the top insurance providers in North America. We owe our success over the years to one simple principle being a loyal partner of American families and the advisors who help safeguard their security. That s why our insurers remain committed to provide quality products that help our clients build brighter futures for themselves and the ones they love. And it s why we never lose sight of the fact that insurance is about people their welfare, their security, and their dreams for themselves and for future generations. Find out more about our commitment to helping your business succeed. Contact IMC at , quotes@imctr.com or visit us online at Policies issued by: American General Life Insurance Company of Delaware Wilmington, Delaware Policy Form Numbers G-LAD and G-DIS-40 ts American General Life Companies, is the marketing name for the insurance companies and affi liates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company of Delaware. American General Life Companies insurers offer a full line of life insurance, annuities, accident and health products and worksite benefits to serve the financial and estate planning needs of customers throughout the United States. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company of Delaware are its responsibility. American General Life Insurance Company of Delaware does not solicit business in the state of New York. Policies are not available in all states. This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefi ts/provisions as described may vary due to such law. All products are subject to the terms, conditions, limitations and exclusions of the policy. Please see policy and certifi cate for details. An employer-funded program may be funded percent by the employer or a combination of both employer and employee funding All rights reserved B-IMC R02/11 The logo for IMC, Insurance Marketing Center is not a registered trademark of American International Group, Inc. All other marks are owned by American International Group, Inc. Referenced insurance agency is a separate and unrelated entity.