Table of Contents AIG Travel Assist AIG Travel

Table of Contents Ø AIG Travel Assist Ø AIG Travel Guard Difference Ø Why Sell Travel Insurance Ø General Information Ø Product Overview Ø Selling Techniques Ø Overcoming Common Objections Ø Technology Solutions

AIG Travel Ø American International Group, Inc ØUnmatched global capabilities ØOver 100, 000 employees worldwide Ø 130 countries and jurisdictions ØLeader in virtually every category ØFinancial Stability ØOver $900 billion in assets ØForbes Magazine: AIG is 6 th largest company in the world

AIG Travel Ø AIG Travel Guard ØWholly-Owned ØWorld’s largest provider of travel insurance and assistance plans ØEstimated 60% market share ØBroadest protection available ØHighest service standards in the industry

AIG Travel Assist

AIG Travel Guard Difference Ø Superlative Customer Service ØOpen 24 hours a day, 7 days a week ØAll calls answered within 30 seconds ØStaffed for general Customer Service, Live. Travel® Service and Emergency Medical Service ØMedical referrals and assistance provided within 5 minutes and assistance continues until emergency has ended and client has returned home

AIG Travel Guard Difference Ø Industry Leading Claims Standards ØInitiated on the first phone call ØAll claims checks mailed within 24 hours of receipt of final documentation Ø 90% of all claims paid within 14 days Ø“The Fairness Principle”

AIG Travel Guard Difference Ø Training & Marketing ØDedicated representatives ØRecurrent training sessions for sales and reservations staff ØProvide training aids including selling guides, Why Buy Insurance materials, etc ØIn-house marketing team that will provide online and offline marketing assistance

Why Sell Travel Insurance Ø Protect your clients Ø Protect your agency Ø Increase your revenue Ø Products available to meet your clients needs

General Information Ø Policies may be purchased up to 24 hours prior to departure Ø Insured receives additional benefits when purchased within 15 days of initial trip payment Ø Who can purchase? Ø US, Canada, Puerto Rico Residents Ø Not available to clients residing in Washington, New York, Oregon Ø When does the policy go into effect? Ø 12: 01 am following purchase

General Information Ø Does a client have to insure all trip costs? Ø Yes, clients need to insure all pre-paid, nonrefundable costs associated with their travel arrangements including administration fees Ø If I have a client that is 59 today, but will be 60 at the time of travel, what price should I use for the insurance? Ø 59; age is determined at the time of purchase, not at the time of travel

General Information: Modify Policy Ø Can a client make changes to a policy after purchase? Ø Policies may be modified prior to the original departure date listed on the policy Ø If a policy is modified, clients will not be able to file a claim on the previous policy Ø How do we modify a policy? Ø ez. TIPS™: Right click on ez. TIPS™ icon by the clock of computer; select Modify Policy; complete information; submit Ø Toolbox: Click on Toolbox; select Modify Your Policy; complete information; submit

General Information: Refunds Ø Can a client get a refund on a policy? Ø Yes, AIG Travel Guard has a Satisfaction Guarantee that allows clients to request a cash refund within 15 days of purchase date Ø Refunds can not be requested after the departure date Ø How do I request a refund on a policy? Ø Refund requests must be submitted in writing by the agency or insured Ø Email refund requests to [email protected] com

Product Overview Ø Cruise, Tour & Travel (Platinum) Ø Protect. Assist (Gold) Ø Travel Guard Essential Expanded (Silver) Ø Travel Guard Essential (Basic) Ø My Travel Guard (Custom) Ø Air Ticket Protection (Air Only) Ø Group Protection Plan (Group Only) Ø Med. Evac (Annual)

Product Overview Cruise, Tour & Travel Platinum Program Ø Most comprehensive plan available Ø The “Cadillac” of all travel insurance plans Ø Primary Coverage – we pay first Ø Value Added Packages Ø Cancel For Any Reason Ø Cancel For Work Reasons Ø Umbrella Package Ø Pricing available to $100, 000 person

Cruise, Tour & Travel (Platinum) Coverage Limits 100% Trip Cost Trip Cancellation (maximum $100, 000; pre-ex waiver up to $50, 000) Trip Interruption 150% Trip Cost Trip Interruption-Return Air Only Trip Delay Missed Connection Baggage & Personal Effects Baggage Delay Medical Expense Emergency Medical Transportation $1, 000 or 150% Trip Cost (whichever is greater) $1, 000 ($200 per day; 5 hr delay) $500 (3 -5 hour delay) $2, 500 $500 (24 hr delay) $50, 000 $1, 000 Accidental Death & Dismemberment $50, 000 AIG Travel Assist Included Live. Travel® Assistance Included Concierge Service Included Identity Theft Assistance Included Business Assistant Roadside Assistance Included (with Cancel For Work Reasons package) Included

Cruise, Tour & Travel (Platinum) Extra Benefits Ø Must be purchased within 15 days of initial trip payment Ø Pre-Existing Medical Condition Exclusion Waiver Ø All pre-paid, non-refundable costs need to be insured Ø Cost of any subsequent arrangements added to the same trip must be insured within 15 days of the date of payment for the subsequent arrangements Ø Insured must be medically able to travel at time of purchase Ø Applies to first $50, 000 Trip Cost person Ø Financial Default Coverage Ø Default must occur more than 14 days following effective date of policy Ø List of suppliers no longer covered

Cruise, Tour & Travel (Platinum) Ø Cancel For Any Reason Ø Covers up to 75% of Trip Cost Ø Cancellation must occur more than 48 hours prior to departure Ø Must be purchased within 15 days of initial trip payment Ø Premium: 1. 5 Base Plan Cost Ø Cancel For Work Reasons Ø Covers for cancellation due to: Ø Being required to work; Ø Company directly involved in merger, acquisition, government required product recall, or bankruptcy proceedings Ø Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster Ø Must be purchased within 15 days of initial trip payment Ø Premium: $24 per adult Optional Coverages Ø Umbrella Package Ø Missed Connection Benefit Increases to $750 Ø Double Medical Expense Coverage Ø Enhanced Emergency Medical Transportation “Hospital of Choice” Ø Premium: Varies By Age Ø Car Rental Insurance Coverage Ø Maximum: $35, 000 Ø $250 Deductible Ø Premium: $9 per day per car Ø Flight Guard® Ø Maximum: $500, 000 Ø Premium: $9 per $100, 000

Cruise, Tour & Travel (Platinum) Trip Cost (Per Person) Pricing Age 0 -34 Age 35 -59 Age 60 -69 Age 70 -74 Age 75 -79 Age 80 -84 Age 85+ Ø $0 $26 $30 $44 $50 $66 $99 $114 Ø $1 -$250 $31 $36 $53 $59 $77 $114 $131 $251 -$500 $36 $42 $68 $87 $128 $148 Ø $501 -$1000 $62 $75 $104 $122 $152 $220 $240 Ø $1001 -$1500 $90 $103 $146 $172 $222 $321 $341 $1501 -$2000 $116 $143 $187 $220 $297 $435 $448 $2001 -$2500 $145 $178 $229 $284 $373 $545 $555 $2501 -$3000 $170 $214 $272 $342 $448 $662 $673 $3001 -$3500 $195 $258 $314 $400 $539 $773 $789 $3501 -$4000 $219 $293 $356 $458 $617 $884 $903 $4001 -$4500 $245 $328 $397 $530 $714 $994 $1015 $4501 -$5000 $270 $375 $440 $590 $799 $1090 $1129 $6 service fee applies per policy $3 service fee applies to each additional package purchased Pricing available to $100, 000 person Trips exceeding 30 days, $5 per day person

Product Overview Protect. Assist Gold Program Ø Most popular package plan Ø Suitable for most vacation and leisure trips Ø Secondary Coverage Ø Children 17 & under included at no additional cost Ø Value Added Packages Ø Cancel For Any Reason Ø Cancel For Work Reasons Ø Umbrella Package Ø Pricing available to $100, 000 person

Protect. Assist (Gold) Coverage Limits Trip Cancellation 100% Trip Cost (maximum $100, 000; pre-ex waiver up to $30, 000) Trip Interruption 150% Trip Cost Trip Interruption-Return Air Only Trip Delay Missed Connection Baggage & Personal Effects Baggage Delay $750 or 150% Trip Cost (whichever is greater) $750 ($150 per day; 5 hr delay) $250 (3 -5 hour delay) $1, 000 $300 (24 hr delay) Medical Expense $25, 000 Emergency Medical Transportation $500, 000 AIG Travel Assist Included Live. Travel® Assistance Included Concierge Service Included Identity Theft Assistance Included Business Assistant Included (with Cancel For Work Reasons package)

Protect. Assist (Gold) Extra Benefits Ø Must be purchased within 15 days of initial trip payment Ø Pre-Existing Medical Condition Exclusion Waiver Ø All pre-paid, non-refundable costs need to be insured Ø Cost of any subsequent arrangements added to the same trip must be insured within 15 days of the date of payment for the subsequent arrangements Ø Insured must be medically able to travel at time of purchase Ø Applies to first $30, 000 Trip Cost person Ø Financial Default Coverage Ø Default must occur more than 14 days following effective date of policy Ø List of suppliers no longer covered Ø Missed Connection Benefit Increases to $500 Ø $50, 000 Flight Guard®

Protect. Assist (Gold) Ø Cancel For Any Reason Ø Covers up to 50% of Trip Cost Ø Cancellation must occur more than 48 hours prior to departure Ø Must be purchased within 15 days of initial trip payment Ø Premium: 1. 4 Base Plan Cost Ø Cancel For Work Reasons Ø Covers for cancellation due to: Ø Being required to work; Ø Company directly involved in merger, acquisition, government required product recall, or bankruptcy proceedings Ø Company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other natural disaster Ø Must be purchased within 15 days of initial trip payment Ø Premium: $24 per adult Optional Coverages Ø Umbrella Package Ø Double Medical Expense Coverage Ø Upgrade Medical Expense to Primary Coverage Ø Double Emergency Medical Transportation Ø Enhanced Emergency Medical Transportation “Hospital of Choice” Ø $25, 000 Accidental Death & Dismemberment Ø Premium: Varies By Age Ø Car Rental Insurance Coverage Ø Maximum: $35, 000 Ø $250 Deductible Ø Premium: $9 per day per car Ø Flight Guard® Ø Maximum: $500, 000 Ø Premium: $9 per $100, 000

Protect. Assist (Gold) Trip Cost (Per Person) Pricing Age 0 -34 Age 35 -59 Age 60 -69 Age 70 -74 Age 75 -79 Age 80 -84 Age 85+ $0 $18 $28 $34 $46 $53 $89 $96 $1 -$250 $22 $37 $49 $58 $93 $101 $251 -$500 $24 $36 $40 $51 $60 $95 $105 $501 -$1000 $41 $52 $65 $89 $108 $144 $172 $1001 -$1500 $53 $71 $89 $117 $154 $202 $242 $1501 -$2000 $72 $94 $123 $166 $201 $261 $311 $2001 -$2500 $92 $118 $152 $205 $248 $320 $381 $2501 -$3000 $111 $139 $181 $245 $295 $379 $453 $3001 -$3500 $130 $148 $211 $284 $340 $439 $522 $3501 -$4000 $148 $162 $240 $323 $388 $519 $592 $4001 -$4500 $165 $185 $303 $362 $434 $577 $662 $4501 -$5000 $184 $206 $340 $401 $481 $652 $731 Ø Ø Ø $6 service fee applies per policy $3 service fee applies to each additional package purchased Pricing available to $100, 000 person Trips exceeding 30 days, $5 per day person Children 17 & under related to primary insured receive coverage at no additional cost when all accompanying adults purchase

Selling Techniques Ø Offer insurance with each trip booked Ø Document if client does not purchase Ø Stress value of adequate insurance protection Ø Remind clients of cancellation conditions Ø Use testimonials or travel mishaps from other customers Ø Explain AIG Travel Guard Satisfaction Guarantee

Overcoming Common Objections Ø I’m going on this trip no matter what. Ø It’s too expensive. Ø I already have insurance coverage. Ø My credit cards provide coverage. Ø Why should I purchase AIG Travel Guard instead of the tour operator or cruise line protection?

Technology Solutions Ø ez. TIPS™ Ø Reduces transaction time Ø Provides 3 -Step Power Quoting Ø Transfers information from your reservation system Ø Agent Website Ø Listed in the Top 10 Travel Industry Websites by Travel Weekly Ø AIG Travel Guard Toolbox Ø Provides agents access to Policy Tools; Alerts; Claims