(Texas - Sample Version)

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1 (Texas - Sample Version)

2 StaffOne 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 Digital s David Goldfarb at: or dgoldfarb@digitalbenefitadvisors.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. BENEFITS RATES/PLANS GUARANTEED PARTICIPATION FUNDING Medical Insurance Quoted Guaranteed Issue As Required by Carrier As Required by Carrier Hospital Indemnity Insurance Standard Guaranteed Issue Must Be 51 Eligible and 5 Enrolled Employees Employer and/or Employee Paid Out-of-Pocket Medical Expense Indemnity Insurance Quoted Guaranteed Issue 50% of Those Enrolled in Coordinating Medical Plan As Required by Carrier Critical Illness Insurance Standard Guaranteed Issue Up to $20,000 2 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Off-the-Job Accident Insurance Standard Guaranteed Issue 2 Enrolled Lives Per Plan (Target is 20%) Employer and/or Employee Paid Dental Quoted Guaranteed Issue As Required by Carrier As Required by Carrier Vision Quoted Guaranteed Issue As Required by Carrier As Required by Carrier Whole Life Insurance Standard Guaranteed Issue Up to $75,000 5 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Fixed Term Life Insurance Standard Guaranteed Issue Up to $75,000 5 Enrolled Lives (Target is 20%) Employer and/or Employee Paid Disability Standard Guaranteed Issue Up to $3,500 Monthly 5 Enrolled Lives Employer and/or Employee Paid 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 Why Consider a Hospital Indemnity Insurance Policy? A solution for those employees not eligible for your core employee benefits plan. Hospital Indemnity Insurance is often the logical choice for employers looking to offer competitively priced employee benefits option to employees that are not eligible for enrollment in traditional benefits programs. The plan options are designed to provide indemnity insurance benefits when other coverage is not available. The policy is easily attainable. Plan options are designed to help with costs incurred when receiving many of the most common types of care, including: physician office visits, preventive care, prescriptions and emergency room visits. 61% of employees live paycheck-to-paycheck Source: CareerBuilder Survey September Use of statistics does not imply endorsement Key Product Features for the Insured Guaranteed Issue no medical questions asked No pre-existing conditions limitations on hospital indemnity First dollar coverage No deductibles or copays and no waiting periods No policy maximums Nationwide PPO network discounts when coverage is received from an in-network provider No penalty for using out-of-network providers although benefit could be less than in network benefit Benefits payments may be paid directly to the provider not reimbursement benefits Key Product Features for the Employer Custom plan designs provide the right benefits and the right price for your group Simple billing and administrative processes (ask about payroll cycle administration) No employer contribution is required and low participation requirements. Flexible and simple enrollment processes designed to achieve participation objectives Premium is eligible for pre-tax payment Using Hospital Indemnity is Easy and Network Discounts Can Be Substantial Plan options include a nationwide network PPO that re-prices claim costs when using an in network provider. Discounts continue to apply to the insured s medical bills even after benefits under the policy have been exhausted. EXAMPLE OF BENEFITS Physician Office Visit Cost Office Visit $95 Lab Work $60 Total Visit $155 After Network Discount $110 POLICY PAYS Office Visit Benefits $60 Lab Benefits $50 Total Benefits Paid $110 Insured Pays $0 The network includes more than 550,000 physician locations, approximately 4,000 acute-care facilities and nearly 100,000 ancillary care providers. Insureds receive a card that is presented at the time of service to their medical provider, and the provider will file the claim. Benefits payment can be assigned and paid directly to the provider. THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT. Please refer to materials provided by the insurance carrier, including proposals and brochures, for a complete description including plan limits and exclusions.

6 BASE PLAN BENEFITS DESCRIPTION VALUE ADVANTAGE PREFERRED Daily In-Hospital Indemnity Benefits Benefits per stay of more than 23 hours of hospital confinement $150 $250 $350 Maximum days per confinement 30 days 30 days 30 days Employee $10,000 $10,000 $10,000 Group Term Life Insurance Policy With Accidental Death & Dismemberment Rider Spouse $5,000 $5,000 $5,000 Child (AD&D coverage is not available for dependent children) $2,500 $2,500 $2,500 ADDITIONAL BENEFITS DESCRIPTION VALUE ADVANTAGE PREFERRED Outpatient Physician Office Visit Indemnity Benefits Benefits per visit per calendar year per insured $50 $70 $80 Maximum visits per calendar year per insured 6 visits 6 visits 6 visits Outpatient Diagnostic X-Ray & Laboratory Indemnity Benefits Surgical & Anesthesia Indemnity Benefits Per testing day for tests performed $100 $100 $200 Maximum test days per year per insured Pays the amount listed in the surgical schedule for a surgery performed at the plan level selected Percentage of the surgery benefits for anesthesia administration 2 test days 3 test days 3 test days Plan 1,000 Plan 1,500 Plan 2,000 20% 20% 20% Off-the-Job Accidental Injury Benefits Pays expenses incurred per covered accident, up to the amount. Maximum 5 accidents per calendar year (offthe-job only) $100 $100 $200 Prescription Drug Indemnity Benefits Benefits per prescription $25 $35 $40 Maximum prescriptions per calendar year, per insured Benefits per visit for physical exams or certain diagnostic tests $100 $100 $150 Wellness Indemnity Benefits Maximum visits per calendar year, per insured 1 Visit 1 Visit 1 Visit Well child visits per year ages 0-12 months - 4 visits; months - 2 visits Included Included Included Critical Illness Indemnity Benefits & Subsequent Critical Illness Indemnity Benefits Intensive Care Indemnity Benefits Benefits per initial positive diagnosis of a covered critical illness and an additional lump-sum benefits of the same amount for a subsequent and separate covered illness N/A $2,500 $2,500 Per day of confinement in an intensive care unit $100 $100 $300 Maximum days per calendar year per insured 10 days 10 days 10 days Daily Inpatient Drug & Alcohol Indemnity Benefits Per day of confinement in an intensive care unit $ days $ days $ days Daily Inpatient Mental & Nervous Indemnity Benefits Per day of confinement in an intensive care unit $ days $ days $ days Ambulance Indemnity Benefits Benefits per trip in an ambulance, maximum of 3 trips per insured per year with lifetime maximum of 6 trips per insured. N/A $150 $250 COSTS DESCRIPTION VALUE ADVANTAGE PREFERRED Monthly Premium Employee $66.38 $87.73 $ Employee + Spouse $ $ $ Employee + Child(ren) $ $ $ Family $ $ $ Underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. 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.

7 NON-INSURANCE DISCOUNT PROGRAMS Employee Discount Card Provided by: New Benefits, Ltd. PPO Network Provided by: New Benefits, Ltd. DESCRIPTION VALUE ADVANTAGE PREFERRED This card will provide access to discount vision plan, nurses hotline, Teledoc TM, counseling services and discounts for hearing aids Employee and covered dependents will receive contracted savings from the normal fees charged by network physicians, hospitals and outpatient X-Ray and laboratory providers Included Included Included Included Included Included Insureds receive a card that is presented at the time of service to their medical provider, and the provider will file the claim. Benefits payments can be assigned and paid directly to the provider. The network includes more than 550,000 physician locations, approximately 4,000 acute care facilities and nearly 100,000 ancillary care providers. Non-Insurance Benefits Included in All Plans The following non-insurance benefits are included and offered by other venders as noted below. Information on how to access these benefits will be included in the fulfillment package that each insured employee receives. Employee Discount Card This discount card is provided by New Benefits, Ltd. It offers employees access to a discount vision plan, a nurses hotline, counseling services and benefits for hearing aids. This is not an insurance plan. The Discount Vision Plan through Coast to Coast network allows the employee to receive discounts of 20 percent to 60 percent on eyeglasses, non-prescription sunglasses, contact lenses (including disposables) and frames from over 10,000 independent retail optical locations nationwide. Providers include independent practitioners, regional chains, department store opticals and the largest chains in the U.S. like Lens Crafters, Pearle Vision, Sears Optical and JC Penney Optical. The Nurse Hotline allows access to experienced registered nurses 24 hours a day, 7 days a week, 365 days a year. These hotline nurses are an immediate, reliable and a caring source of health information, education and support. Services provided by this plan include: General information on all types of health concerns Information based on physician-approved guidelines Answers about medication usage and interaction Information on non-medical support groups Translation services for non-english speaking callers Full-time medical director on staff The Teledoc TM provides telephone access to a board-certified physician from any phone, 24 hours a day, 7 days a week. Physicians can diagnose routine medical problems and prescribe short-term medication when appropriate and will contact the member within three hours. Prescriptions phoned into the member s local pharmacy Patient access to medical records with HIPAA compliant secure servers Free Portable Electronic Health Record (EHR) The Counseling Service allows employees to speak with a counselor 24 hours a day, 7 days a week, regarding any personal problems they may be facing. The Hearing Aid provides savings of up to 15 percent off the retail cost on over 70 models of hearing aids and a free hearing test when utilizing one of the 1,200 participating Beltone locations nationwide. Or, employees can realize savings of up to 50 percent off suggested retail price on over 90 models of hearing aids in over 1,000 locations nationwide.* *Discounts on professional services are not available where prohibited by law. 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.

8 Why Consider TransConnect Medical Expense Indemnity Insurance? It allows employers to reduce health insurance costs and offer employees a solution to help cover the associated out-of-pocket expenses. TransConnect is a group out-of-pocket hospital and medical expense indemnity insurance. It pays an indemnity benefit for out-of-pocket expenses of deductibles, co-insurance and co-payments for charges from an employer s comprehensive medical plan. In-Hospital Benefits This benefits helps pay the out-of-pocket expense for inpatient hospital stays, inpatient surgeries, physician s in-hospital charges and routine nursery care for dependent children. Outpatient Hospital Benefits This benefit helps pay the out-of-pocket expense for surgery in a hospital outpatient facility or a freestanding outpatient surgery center, up to $100 for surgical procedures performed in a doctor s office, radiological diagnostic testing in a hospital outpatient facility or MRI facility (does not cover lab fees) or treatment in a hospital emergency room or urgent care center for injury due to an accident (emergency room charges for sickness are not covered). The outpatient hospital benefit is 50 percent of the in-hospital benefit amount. Accident-Only Ambulance Benefits This benefit helps pay for the out-of-pocket expenses incurred for ambulance transportation (ground or air) to a hospital or emergency center for injuries sustained in an accident. Here s How Your Policy Works: These benefits help pay for the out-of-pocket expenses as a result of being an inpatient and expenses incurred due to surgeries, emergency room treatment and ambulance transportation. This is a brief summary of TransConnect Supplemental Out-of-Pocket Hospital and Medical Expense Indemnity Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy Form Series CP and CC 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

9 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. TX 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

10 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

11 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.

12 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 Sample Plan Design (Other options available) Network Out-of- Network Eye Examination (annual) Covered 100% after Copay Up to $40 Benefits Eyeglass Lenses Copay (annual) $15 $30 Single Vision Covered 100% After Copay Up to $40 Benefits Bifocal Covered 100% After Copay Up to $60 Benefits Trifocal Covered 100% After Copay Up to $80 Benefits Lenticular Covered 100% After Copay Up to $80 Benefits Frames Retail Allowance (24 months) Up to $130 Up to $45 Benefits Elective Contact Lenses (12 months) Covered in Full Contacts Covered 100% after Copay Up to $105 Benefits All Other Elective Contacts Up to $105 Up to $105 Benefits Necessary Contact Lenses Covered 100% after Copay Up to $210 Benefits Sample Monthly Premium (TX - Varies by state) Employer Paid (V1026) Employee Paid (V1043) Employee Only $ 5.08 $ 6.19 Employee & Child(ren) $ $ Employee & Spouse $ 9.65 $ Family $ $ 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.

13 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

14 Why Consider Interest Sensitive Whole Life Insurance With a Long-Term Care Rider? Guaranteed issued whole life insurance with long term care benefits applicants receive coverage for both regardless of personal or family health history. Whole life Insurance with an accelerated death benefit for long-term care riders helps provide financial protection against two events that could be financially devastating to a family: death of a loved one and/or care for a chronic illness. 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. 50% of couples would spend their entire savings within one year of entering a nursing home. Source: U.S. Department of Health and Human Services website, Use of statistics does not imply endorsement. Key Product Features Guaranteed Issue up to $75,000 death benefit for employees Digital aggregate participation minimum enrolled is 5 lives 4 percent monthly accelerated death benefit for up to 25 months for home or adult day care Terminal illness benefits Issue Age Sample Rates and Values - $50,000 coverage Monthly Premium Long-Term Care Monthly Benefit Cash Value at Age 65 Total Premium Paid to Age $32.71 $3,000 $19,414 $15, $52.41 $3,000 $17,592 $18, $88.12 $3,000 $14,319 $21, $ $3,000 $ 8,354 $20, $ $3,000 N/A N/A Cash value accumulates with guaranteed interest rate of 4 percent Life insurance coverage available for employee, spouse, children and grandchildren (LTC rider not available to children). Includes waiver of premium and waiver of premium for lay-off benefits The ability to take an advance against a life insurance benefit upon diagnosis of being chronically ill and still know that there will be life insurance left for loved ones is a substantially unique solution. Chronically ill means a licensed physician determines the insured is unable to perform for 90 days or longer at least two activities of daily living such as dressing, taking a shower, eating, toileting and being able to move from one activity to another or that you suffer severe issues with memory or being able to think. Riders may not cover all the costs associated with long-term care incurred during the period of coverage. This is a brief summary of Accelerated Death Benefit for Long-Term Care Rider with Extension of Benefits Rider and Paid-Up Insurance offered with Trans$ure SM Interest-Sensitive Whole Life Insurance, all underwritten by Transamerica Life Insurance Company. Rider form series CRABLT00 and CREXTB00. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. Limitations and exclusions may apply. Refer to the policy, certificate and riders for complete details. EBD TTDBABRO

15 Source: LIMRA Facts About Life Use of statistics does not imply endorsement. Why Consider Group Term Life Insurance? Group term life insurance helps offer your employees and their families the added security needed to remain financially secure in the event of an unforeseen death. The working years are some of the most crucial times for families to find security. Group term life insurance is an ideal way for employees to help protect and provide for their families during these important years. Employers can offer pure term life insurance protection at cost-effective group rates. There is no way to know what will happen tomorrow, but there is a way to help protect families against the unexpected. Trans Select SM 5 is Transamerica s new term life insurance product to meet life s changes today and tomorrow. Trans Select SM 5 Helps Provide Financial Support for Your Family in Times of Need Recent studies show one in four U.S. households relies only on group life insurance to provide financial protection if a wage-earner dies. Other findings from the study show: Half of U.S. households (58 million) say they need more life insurance the highest level ever. Among households with children under 18, 11 million have no life insurance coverage. With Trans Select SM 5, you can help to secure your employees future if something happens to them or their loved ones. Buying life insurance is a decision that should not be put off. Prudent financial planning with Transamerica term life can help protect your employees future and give them peace of mind. Trans Select SM 5 Benefits Are Easy to Understand Trans Select SM 5 offers guaranteed level premiums for the term period of 5 years. Employees can pay these premiums through the convenience of payroll deduction. Trans SelectSM 5 Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Premiums are guaranteed level for 5 years, then may increase annually starting in year 6. Policy form series CPVTL200 and CCVTL200. Rider form series CRTIVT00 and CRWPL200. 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

16 Riders Included with Base Coverage Accelerated Death Benefits for Terminal Illness (not available in MA) We will pay a portion of the death benefits up to $100,000 maximum if the insured is diagnosed with a terminal illness and still provide a benefit to the designated beneficiary. Waiver of Premium Due to Layoff or Strike Rider (not available in CT, MA, MD, NJ, NY, TN, or VA) Premiums will be waived up to 6 months if the owner is on strike or is involuntarily laid off. Children s Term Rider (employee elected) This rider will provide up to $10,000 coverage for each eligible child, age 15 days through 25 years of age. Coverage for each child terminates at the child s 26 th birthday or when the employee s contract terminates, if earlier. Conversion The owner of the term insurance may elect to convert the base coverage to whole life insurance within 31 days of termination under the policy. Guaranteed Issue Maximum Employee $75,000 Spouse $15,000 Child(ren) $10,000 (Child Term Rider) 5-Year Term Period At the end of each term, the coverage will automatically renew unless cancelled by the owner. The new premium rate, based on the attained age of the insured and the death benefits, will be presented. The premium change will occur on the group renewal date. Subsequent term periods are 5 years or until the expiration date, if earlier. Issue Age Sample Plan Design and Rates Non-Tobacco Sample Monthly Premiums $15,000 Face Amount $50,000 Face Amount $75,000 Face Amount 20 $1.86 $6.21 $ $1.98 $6.58 $ $2.09 $6.96 $ $2.43 $8.08 $ $2.74 $9.13 $ $4.08 $13.58 $ $7.48 $24.92 $ $10.93 $36.42 $54.63 Trans Select SM 5 Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Premiums are guaranteed level for 5 years, then may increase annually starting in year 6. Policy form series CPVTL200 and CCVTL200. Rider form series CRTIVT00 and CRWPL200. 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

17 Why Consider Short-Term Disability Insurance? Disabilities happen. If employees miss work due to an injury or illness, short-term disability insurance can help replace a portion of their lost wages while recovering. Most injuries and illnesses are not long-lasting, and employees will likely be back at work quickly. In the meantime, their regular paychecks could stop. If that happens, the replacement income from disability insurance will be a big help. Some conditions that could lead to a disability claim include illness, childbirth, injury and surgery. Key Product Features Employees choose a benefits amount up to 60 percent of their income Benefits are in $100 increments up to a max of $3,500 Benefits are tax-free Innovative employers understand that disability insurance is both a benefit and a health and productivity tool. Partial Disability Benefit If you re only able to do part of your job or work part-time, you can receive partial benefits. With your part-time earnings and your partial disability benefit, you could receive up to 99 percent of your pre-disability earnings. Rehabilitation Assistance Benefit While you are participating in an approved rehabilitation program, we can pay an increased benefit to you. You don t have to pay premiums while you are disabled. Monthly Benefits Amount Annual Income Required for 60% Benefits Amount Sample Plan Design and Rates Hourly Wage Based on 40 Hour Work Week Weekly Premium Weekly Premium Weekly Premium Weekly Premium $500 $10,000 $ 4.81 $ 2.48 $ 2.92 $ 4.11 $ 4.26 $1,000 $20,000 $ 9.62 $ 4.96 $ 5.84 $ 8.22 $ 8.52 $1,500 $30,000 $14.42 $ 7.44 $ 8.76 $ $12.77 $2,000 $40,000 $19.23 $ 9.92 $ $16.43 $17.03 $2,500 $50,000 $24.04 $12.40 $ $20.54 $21.29 Other Important Product Information Pre-existing condition limitations 12-month sickness, 12-month accident Pregnancy is treated as any other illness Guaranteed Issue no health underwriting Benefits may be reduced if claimant is receiving any compulsory benefits such as a state disability plan Benefits coordinate with any sick leave or worker s compensation payments received from the employer Creative Worksite Short-Term Disability, underwritten by Lincoln Financial Group. 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.

18 Why Consider Identity Theft Coverage? Most victims experience stress in their family lives as a result of displaced anger and frustration over identity theft. Did You Know? In 2012, there were 12.6 million victims of identity theft in the United States, which equates to 1 victim every 3 seconds. The average identity theft victim will lose $4,841. The average victim will spend 330 hours repairing the damage from identity theft the equivalent of working a full-time job for more than two months. 12 percent of identity theft victims end up having warrants issued in their name for financial crimes committed by the identity thief. For more information, please visit our website Thousands of public and private databases are scanned looking for evidence of identity theft. The patentpending process can help detect identity theft early, before it causes real harm. Underground websites and other online sources are scanned daily, making sure Social Security numbers and credit card numbers aren t being bought or sold on the black market. If anything is found, certified experts step in to put a stop to it, doing all the work necessary to restore the compromised identity. Simple Administration: Turn-key materials for easy enrollment, as well as ongoing support to your HR team throughout the year. Highest Quality Service: ID Watchdog s service is widely regarded as best-in-class, offering the broadest identity monitoring capabilities and the only 100 percent resolution guarantee in the industry. Best Value: We offer protection for individuals and their entire household at the best price. Flexibility: Protection programs can either be employer-sponsored or offered as a voluntary benefit funded by payroll deductions. Plan Options & Features Plus Platinum Basic & Advanced Identity Monitoring Alternative Loan Monitoring High Risk ID Monitoring Identity Restoration Credit Report Monitoring Credit Reports & Scores Sample Monthly Cost Plus Platinum Individual Plan $8.95 Employee Pay $11.66 Employer Funded $8.06 Family Plan (up to 4 additional members) $15.95 Employee Pay $20.66 Employer Funded $14.36 Provided by ID Watchdog, Inc. Not all plan features may be available in all jurisdictions. 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.

19 Why Consider Legal Coverage? This legal plan gives you resources you need, tools to use and choices you want everything to protect yourself and your legal rights. Financial security does not exist without a strong legal foundation. Everyone must take reasonable preventive legal care and, at times, deal with unexpected, stressful and complex legal issues. Each year, as many as seven out of ten employees require legal advice. Hidden beneath the surface is the effect that unassisted management of these issues has on life, relationships and work performance. Employees with a group legal plan use it more than once and are more inclined to consult an attorney than those without. Sample Coverages Included Coverage Limits Attorney Consultations - Up to one hour per legal matter Covered Unlimited Attorney Letters - At the discretion of counsel, one letter on your behalf per legal matter Attorney Document Review - Review of one legal document (up to 6 pages) per legal matter Covered Covered 3 Per Year Unlimited Attorney Service (Other) 33% or more off Unlimited Online Personal Legal Documents Covered Unlimited Online Legal Filing - Filings for non-personal legal matters are limited to one of each type 50% or more off Unlimited Online Legal Document Management Covered Unlimited Online Case Management Covered Unlimited Online Legal Guides & Information Covered Unlimited All personal legal matters are included: Wills, trusts & estates Family & divorce Vehicle & driving Money & debt Real Estate & home Civil disputes Criminal defense Accident & injury Consumer protection Immigration Plus discrimination, sexual abuse, education, disability, probate, appeals, privacy, defamation, construction, social security, malpractice, healthcare, civil rights, animals, elder and more. Services provided by NOWLEGAL.COM, INC. Not all plan features may be available in all jurisdictions. 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.

20 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.

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