1. EXECUTIVE BENEFITS
VOLUNTARY EXECUTIVE
CARVE-OUT PROGRAMS
Few people worry that corporate executives and other highly-compensated employees are victims of
discrimination. Yet, many such executives are discriminated against every day through their employers’ benefit
programs. The issue is one of degree.
For example, most companies’ long term disability face-to-face basis. Each executive is properly educated
(LTD) plans are designed to provide replacement on the new policies being offered, so the new coverage
income for the “average” employee but don’t provide is tailored to meet their individual needs and goals.
enough for the senior executives, who can suffer To Lenox, Disability Income, Life and Long Term
disastrous drops in income if they become disabled. Care Insurance may be some of the most overlooked
The most cost-effective answer is often maintaining opportunities for executives because they are often the
the original LTD plan and offering additional, weak links in their otherwise growth-oriented financial
supplemental coverage for these highly-compensated plans. Integrating this kind of protection into financial
employees. planning is what we do and why we believe in these
Lenox Advisors’ team of professionals helps corporate policies.
clients make informed decisions about the best choices In fact, the value proposition isn’t entirely the product
for their companies, including voluntary insurance but more so the approach and services surrounding
carve-out programs. Whether it’s Disability Income, it. It’s the difference between taking the time to
Life or Long Term Care Insurance, Lenox also provides work individually with each executive – mapping
a full range of support services for corporate clients: out individual packages – rather than doing a “data
• Coordinating and managing relationships with
dump” of materials and brochures that may never be
carriers and vendors read. Employees appreciate the individual attention to
• Planning and executing employee communications
their questions rather than having to review reams of
documents looking for answers.
• One-on-one and online educational and application
services. And as the executives save time and effort while
gaining new insights through our personal visits, this
Lenox Advisors’ national presence makes it possible infrastructure relieves many administrative burdens
to articulate a company’s carve-out benefit plans on a from clients’ Human Resources departments.
Our client list is diverse, across a variety of industries such as financial services, real estate management, utilities
and professional services. These clients include:
• Jefferies Group Investment bank
• ING Financial institution
• Silver Point Capital Hedge fund firm
• Day Pitney, LLP Law firm
• Nielsen Marketing and media information company
Lenox Advisors. Integrating financial security into financial success.
Learn more at www.lenoxadvisors.com
Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management
services through MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser
representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser
representatives of MML Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc.
is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors
Services, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML
Investors Services, LLC. CRN201008 – 108767 © 2012 Lenox Advisors, Inc. All rights reserved.

2. Lenox Corporate Benefits
Imagine...

3. Imagine
At Lenox Advisors, we treat your executives as if they were our own. We
specialize in designing and implementing corporate voluntary benefit offerings
with discounted individual insurance and executive benefit strategies. Our
Corporate Benefits practice is built around one concept: extraordinary service.

4. We have the technology and resources of a large operation, Lenox Advisors’ expertise, personalized support and admin-
but provide the personal attention of a specialty firm. With istrative capabilities yield higher participation levels in
a national presence, we can execute voluntary benefit employer-sponsored voluntary insurance offerings than
programs on a face-to-face basis. you may have thought possible.
When you endorse Lenox Advisors to provide objective Imagine helping with your competitive advantage by att-
assessments of your executives’ individual insurance, we racting and retaining key talent. It is possible—with Lenox
become accountable. Accountable to you, your executives Advisors.
and to ourselves. We use web-based service capabilities
to efficiently and effectively ensure that your executives
are getting individualized attention every step of the
enrollment and application process.

5. Imagine
providing personalized benefits
consultation for executives
“Decision-making about benefits is shifting to the employee, yet employees
often don’t have the information, support or advice needed to make those
vitally important decisions.”
Source: Benefits Selling Magazine, December 2007 Our team of highly skilled experts meet one-on-one with
every executive to discuss his or her unique situation.
We do not inundate your executives with marketing materials
and enrollment or application forms. We sit down, face to
face, and review the offerings.
Executives gain a deeper personal understanding of the
benefits offered—how they work with the existing coverage
and fit into their overall financial portfolios.
We save Human Resources professionals valuable time
by being the point people who field executives’ questions
and inquiries.

6. Imagine how your executives will feel about the personalized rates. This enables us to identify appropriate strategies
treatment and attention available in helping design, under- designed to help meet your executives’ specific needs.
stand and implement their new insurance protection.
Our corporate programs usually allow for discounted rates
Imagine giving executives access to a firm that Investment not available in the individual retail market.
Advisor magazine describes as the “epitome of wealth
We can often leverage the industry’s leading electronic
management done right.”*
application technology to help maximize the efficiency of
With Lenox Advisors, executives are introduced to knowl- your executives’ benefits experience.
edgeable and highly skilled professionals—professionals
Imagine giving your executives the sage advice and com-
who will help them seize unique opportunities while saving
petitive products specifically suited to meet their needs.
them time, effort and frustration.
Our parent company, National Financial Partners Corp.
(NYSE:NFP) , provides us access to a wide range of insurance
carriers and the critical mass needed to negotiate favorable
*Investment Advisor, July 2006

7. Imagine
adding value without adding cost
or administration
Imagine working with Lenox Advisors and accumulating goodwill from your
executives without bearing additional administrative burden or costs.

8. Our voluntary offerings cost your company nothing. Your We develop communications that reinforce your key mes-
employees choose to apply and pay for the offerings. sages and philosophy about benefits.
There is little or no additional administrative burden to your Our personalized service extends well beyond underwriting
firm. Lenox can do virtually everything: and delivery of the policy. Whether it’s a general question
about the policy, a need to revise coverage or even the
• Coordinate and manage insurance carrier and vendor
need to initiate a claim, the employee can deal directly with
relationships
his or her Lenox representative.
• Oversee underwriting process
• Plan and execute employee communications You gain value by providing a tremendous opportunity
• Offer one-on-one and online educational and application
for executives to get something they may not be able to
services get elsewhere. You are helping them secure their financial
future and demonstrating in a very real way that they are
We use web-based service capabilities to monitor every
important. Showing you care goes a long way in the race to
detail of the enrollment and application process to help
attract and retain talent.
ensure that your program is successfully implemented.

9. “ I know how difficult it can be to allow another company to consult
directly with employees, even if it’s to their employees’ benefit. And
year after year, some of the biggest and best-managed corporations
Corporate Headquarters
530 Fifth Avenue 11th Floor trust their employees to Lenox Advisors. That choice is based on
New York, NY 10036 Lenox’s capabilities and grasp on employee benefits—its strategies,
Tel: (212) 536-8700
management and processes. That is a remarkable accomplishment.”
Fax: (212) 536-6014
Jessica Bibliowicz
Two Stamford Plaza
Chairman, President and Chief Executive Officer
281 Tresser Boulevard 10th Floor
Stamford, CT 06901 National Financial Partners
Tel: (203) 978-2200
Fax: (203) 978-2222
300 South Wacker Drive 8th Floor
Chicago, IL 60606
Tel: (312) 347-1680
Fax: (312) 803-2113
535 Pacific Avenue 2nd Floor
San Francisco, CA 94133
Tel: (415) 486-2180
Fax: (415) 486-2182
www.lenoxadvisors.com
info@lenoxadvisors.com
Fee-based financial planning services offered through
Lenox Advisors, Inc. Lenox Advisors, Inc. offers access
to securities and asset management services through
MML Investors Services, Inc., 530 5th Avenue, 14th Floor,
New York, NY 10036, 212-536-6000, member SIPC.
Investment adviser representatives of Lenox Advisors,
Inc. offering fee-based financial planning services may
also be registered representatives and investment
adviser representatives of MML Investors Services,
Inc. for purposes of offering securities and asset
management services, as applicable.
Lenox Advisors, Inc. is a wholly owned subsidiary of
National Financial Partners Corp. (NFP). Lenox Advisors,
Inc. and NFP are not affiliates or subsidiaries of MML
Investors Services, Inc. Services offered through Lenox
Advisors, Inc. as an Independent Registered Investment
Advisor are not sponsored or offered through MML
Investors Services, Inc. CRN201008 - 106529