National General Benefits Solutions NGBS National General Benefits

National General Benefits Solutions (NGBS) • National General Benefits Solutions acquires portions of Assurant Health – NGBS acquires self funded and supplemental business – Minimal changes to our product • Our team offers over 40 years of experience and expertise in group market – 16 years in small group self funded – Merging of two companies

Why NGBS? 2 Rising health care costs • Industry changes causing rise in health insurance premiums Plan designs not meeting customers’ needs • Some plans have narrowed PPO networks and lack of options; plans may not fit the needs of the employees

Monthly Bill Employee 9 $361. 86 Employee + Spouse 3 $927. 73 Employee + Child 0 $705. 61 Family 3 $1, 194. 10

Market Niches Target Groups: Group size of 5– 200 participating employees Demographic: Low risk Top industry verticals: Hospitality Food services Construction/ Contractors Manufacturing • • IT Retail Moving/storage Auto dealerships

SF Advantages Over FI • Underwriting = Lower Base Rates • Fewer mandates = Lower Cost • Flexibility- Tailoring benefits to the clients’ specific need • Opportunity for Refund of Premium; Pay for the Care You Use • Agent Commissions

Simple Quote Process Send the census, with the renewal if possible If the group likes the price, get the IHQs Get the firm rates Close the Group

Keep existing customers and build your book of business by offering the National General Benefits Solutions Self-Funded Program *If your group’s overall claims for the plan year are lower than the balance in the employer’s claims fund, a portion of the difference is refunded. 7 One predictable monthly payment Refund potential* May cost less than a group fully insured plan

This is what you get with us! We partner with you to: ü Develop a long-term growth strategy ü Provide innovative selling solutions ü Help develop and close new business Our dedicated Account Managers will: ü Provide VIP service ü Provide priority resolution of critical issues ü Support you through the reissue process ü Active ongoing relationship management

Call With Any Questions 214 -470 -5074 Gabriel. Edery@NGIC. com