With our Special Aggregate Only product, companies can enjoy the benefits of both a fully insured plan and a self-insured plan. An aggregate only funding mechanism, the employer pays agg premium and funds for maximum claims and if end-of-year claims come in lower than what was funded, the employer gets that money back. And, unlike fully insured carriers, employers using this product will have total access to claims experience and have more control over the benefit plan.

1. Special Aggregate Only Funding Product “ EZ Agg” Justin P. Horn Regional Sales Manager 402-740-1757 [email_address]

2. An affordable self-funded alternative to a fully insured Plan for employer’s ranging from 25 – 250 employees ECU’s Special Aggregate Only Product: “ EZ Agg”

7. Sample Cost Illustration Notes and Conditions *Please note detail of TPA fees, commissions and SL premiums on summary page. *TLO can be elected at any time in contract year prior to policy end date. *The numbers above only represent a maximum cost scenario and there is a possibility of saving money under this plan. *Signed group disclosure and confirmation of fully insured renewal is required to bind coverage as early as 30 days prior to the contract proposed effective date. (if an employer moves off anniversary date only current rates are required). Fully Insured Current Rates Fully Insured Renewal Rates Admin included EZ Agg Admin included EZ Agg w/ TLO census Rates Monthly Annual census Rates Monthly Annual census Rates Monthly Annual census Rates Monthly Annual 22 $320.00 $7,040 $84,480 22 $400.00 $8,800 $105,600 22 $398.00 $8,756 $105,072 22 $447.75 $9,850 $118,206 45 $600.00 $27,000 $324,000 45 $750.00 $33,750 $405,000 45 $744.00 $33,480 $401,760 45 $837.00 $37,665 $451,980

8. EZ Agg Advantages Fully Insured EZ Agg Traditional Stop Loss Capped Funding Yes Yes No Lasers No No Yes (some exceptions) Access to Claims Experience No (under 100 lives – Market specific) Yes Yes Cost Components Premium Only Premium and variable claims Premium and variable claims Administration Higher cost, Less Service Lower Cost, Great Service Lower Cost, Great Service Cash Calls None None Yes Potential for Savings No Yes Yes