Standard Insurance Company The Standard Life Insurance Company

Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York. Complete Guide to Electronic Policy Delivery with The Standard For Producer Use Only – Not For Use With Consumers © 2010 Standard Insurance Company

Electronic Delivery The Standard is the first carrier to make 100% of disability insurance policies available for delivery to the consumer electronically, using Doc. Fast®. Instead of waiting for days, clients are now able to receive their policies in a matter of minutes. Policies delivered electronically are placed an average of 22 days faster than policies that are printed for delivery. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Delivery in Person • Electronic delivery doesn’t remove the face to face delivery meeting between agent and client – it just removes the paper. • Agents are now able to offer a safe, simple and modern delivery method that enhances acceptance of the client’s policy. • And with e-delivery, the consumer’s personal, confidential information is protected and secure. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Distributor Dashboard View Provides a view of all policies – from new policies issued for delivery to policies that have been delivered and accepted. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

User Roles in Doc. Fast Green icons represent the four different user roles as policy delivery moves from Carrier, to Distributor (Agency Case Manager), to Agent and then Consumer. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

A question mark (? ) indicates which user has possession. When that user’s review is complete, their icon changes to solid green. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

It All Starts with an Email Distributor Case Managers receive an email advising the policy is ready for review and delivery to the Agent. Hello Peggie, A policy is ready for your approval. If you have an account with i. Pipeline, you can review the policy now using your user ID and password. Access the policy. Regards, Doc. Fast on behalf of Sherrie Martin Standard Insurance Company 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Login Screen The email link takes the user directly to the Doc. Fast login screen. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Policy Summary View The summary view provides access to the contract and other policy information. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Viewing Watermarked PDF The. pdf icon displays a watermarked preview of the policy and delivery memo. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Drop-down Action Menu includes Change Request and e-Deliver to Agent 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Send Change Request Message User types a description of the change being requested, such as cancelling a rider or a spelling correction. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Change Request in Progress Distributor icon changes color and arrow points back to Carrier, indicating the policy has been sent back to have something changed. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

E-Deliver to Agent To electronically deliver the approved policy to the Agent, select the “e-Deliver to Agent” option under “Actions”. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Delivering to an Agent for the First Time Click “Add New” 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Delivering to an Agent for the First Time Type in Agent’s name and email address 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

E-Deliver Policy to Agent 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Customize Your Email Always attach the Agent User Instructions! 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Send Policy to Agent Click Send Policy to Agent when ready for delivery. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

System Response Confirmation message the policy has been e-Delivered to Agent. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Updated Delivery Status to Agent The distributor’s icon changes to solid green, the delivery arrow now points to the Agent, next in line to receive the policy. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Receives Email Notification New Policy 00 CC 123456 is Available For Your Approval Hello John, MARY BROWN’s policy from Standard Insurance Company is now available online. Please take a moment to review the policy. If any changes are needed, please send back to Insurance Agency, Inc. If it is ready to be delivered, please forward it to MARY within Doc. Fast. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Sample Page of Agent Instructions 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Registration The agent has to register only the first time they use Doc. Fast. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Taken Directly to Policy 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

E-Sign and E-Deliver to Consumer Under “Actions, ” choose e-Sign and e-Deliver to Consumer. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Policy Review (or e-Sign) With the first policy received, an agent must agree to do business electronically with The Standard: 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Policy Review (or e-Sign) Then click Review Document. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Review/Signature Most states do not require an agent signature at delivery. States that do feature tabs indicating where to sign. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Review/Signature The agent fills his or her name for authentication purposes, then clicks the confirm signing button: 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Review Complete When review is complete, the Agent closes the document. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

In Person or Email Delivery Options © 2010 Standard Insurance Company

Choosing Face to Face Delivery Agents always have the option to electronically deliver the policy in person. The e-signature process is completed securely when meeting with the client. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Face to Face Delivery Secure login verifies consumer identity: After answering required questions, click Continue 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Face to Face Delivery With face to face delivery, when signing is complete, consumers receive an email with a link to access their policy documents with all signatures and dates. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Completion of Face to Face Delivery The Consumer has now e-signed and accepted their policy using the Face to Face process and can access their policy using the link provided in the email. An email has now been sent to the consumer from the Agent via Doc. Fast 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Choosing Electronic Delivery If an in-person delivery meeting with a client isn’t practical, edelivery can still occur just as rapidly with an email containing a convenient and secure link to the policy. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Choosing Electronic Delivery A customized message can be added, then click Send message to Client. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Status Updated 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

E-Sign: Consumer Perspective © 2010 Standard Insurance Company

Consumer Email Notification The Consumer receives an email from their Agent. Hello MARY Congratulations on your decision to protect your income with the disability insurance you need. Please take a moment to review and sign your policy. If you have any questions, please do not hesitate to contact me at JSMITH 1@INSURANCE. COM. Thanks again for allowing me to handle your disability insurance needs. The agent can add a note to their client in this box and it will appear as the last paragraph in the boilerplate message below when it is delivered. Regards, Doc. Fast on behalf of John Smith 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Consumer Portal 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Successful Consumer Login The consumer is prompted to review and e. Sign their policy. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Notified The agent immediately receives an email notice that their client has logged in to view the policy, if they wish to call the consumer and walk them through the signing together. Policy 00 CC 123456 Consumer successfully logged into portal Hello, John, Consumer MARY BROWN has successfully logged into the Doc. Fast Consumer Portal to view policy 00 CC 123456. Regards, Doc. Fast on behalf of MARY BROWN 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Consumer Agrees The consumer agrees to an electronic transaction. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

System Guides the Consumer Simple instructions and tabs guide the consumer through each part of the e. Sign process. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Tabs Show Where to Sign 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Adopt and Sign Consumer chooses a font to represent their signature. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Consumer Review/Signature The consumer fills in his or her name for authentication purposes, then clicks the Confirm Signing button: Consumer enters name 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Selecting an Effective Date © 2010 Standard Insurance Company

Policy Acceptance Form • Consumers cannot choose a future-effective date. • Effective dates can range between today (the date the policy is accepted) back to the date the application was signed. Premium due is based on the effective date chosen. • If no effective date is chosen, the effective date will default to either the CR date or the date the policy is accepted. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard Policy Acceptance A

Recent Age Changes Flexible dating may allow you to select an effective date prior to an age change event. • If an age change is occurring, an age change illustration showing the higher or lower premium may be provided. • Please see the Policy Delivery Memo for details, if this is an option for a specific case. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Electronic Funds Transfer Authorization While recurring (i. e. monthly) electronic billing is optional, when premium is due, a One-Time Electronic Debit (EFT) of initial premium is required to put the policy in force. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

REQUIRED 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Billing and Payment – Did You Know? • If a client brings a paper check to a face to face delivery, electronic delivery can still occur. Consumers simply transfer the check’s routing and account numbers onto the premium debit form, then destroy or void the check. • The Standard will draft the amount of premium required to place the policy in force based on the requested effective date and premium mode chosen. • If you are submitting a paper check (such as for an employerpaid case) please advise your Customer Management Specialist (CMS) before delivering the policy. NOTE: Dual signings with Business Overhead Expense Protector. SM or Business Equity Protector. SM contracts can be signed electronically with a paper check sent as a trailing document. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Confirm Signing Final signature when all requirements have been completed. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Thank You! 30 -Day Consumer Access 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Agent Notified When Confirm Signing is clicked, all parties in the delivery channel are notified via email. Policy 00 CC 123456 has been approved and signed by the consumer Hello, John, Consumer MARY BROWN has approved and electronically signed policy 00 CC 123456. Regards, Doc. Fast on behalf of MARY BROWN 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Delivery Requirements Received! When all icons are solid green, processing occurs at The Standard home office to place the policy in force. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Consequences of Printing • While printing capabilities exist, consumers have expressed that they prefer the security and convenience of an electronic signature. • Printing delays the receipt and processing of delivery requirements, which in turn, can delay commissions. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Printing for Hand Delivery Printing delays the receipt and processing of delivery requirements, which in turn, can delay processing of commissions. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Printing for Hand Delivery Printing stops the electronic delivery process and removes it from the secure environment, delaying activation of coverage. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Happier Customers • Consumers have expressed to The Standard that they prefer the ease and security of electronic policy delivery, rather than paper. • Have you ever misplaced a policy? With increasing concern over breaches of confidential information, the safety of electronic delivery through a system as secure as Doc. Fast is something modern consumers expect. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Happier Agents • More policies delivered electronically are accepted than policies delivered by paper. More than 96% of The Standard’s policies sent to consumers electronically are accepted. • Electronic delivery enables faster initiation of agent commissions. Once e-signature occurs, delivery requirements are immediately received by The Standard. • The speed of electronic delivery also helps agents meet commission cut-off dates. 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

Questions? 17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide to Electronic Policy Delivery with The Standard

17314 PPT (Rev 7/15) SI/SNY © 2010 Standard Insurance Company Complete Guide To Electronic Policy Delivery With The Standard