This document summarizes an insurance product and delivery platform. It features web- or laptop-based communications, easy setup and use, integrated data, and reporting capabilities. The platform allows for agent-assisted or self-service enrollment. It seamlessly integrates with carrier systems and provides decision support tools. The system guides employees through enrollment, verifies information, applies rules, and allows signing forms electronically. Data is synchronized daily and various reports are available.

2. Key Features
• Web- or laptop-based
communications
• Agent-assisted or self-service
enrollment
>
• Easy to set up and easy to use
• Single data source ensuring
accuracy of information at all
An Innovative Insurance Product times
and Delivery Platform • Seamless data integration with
carrier enrollment systems
• Comprehensive out-of-the-box
reporting and data import/export
capabilities

3. Key Features
• Integrated core and • Agent-assisted or self-
voluntary product delivery service options
platform
• Integration with existing
< products and applications >
• Web-based case setup
and configuration tools
• Decision-support tools for
• Unique rules, eligibility, enhanced penetration
rates, and census for each
• Flexible deployment options
employer group
• Customized employer and
product communications

4. A Complete Solution
Insurance Carriers
• Medical • FSAs
• Dental • STD and LTD
• Vision • Voluntary Products
< Insurance • Group Life • 401(k)/403(b) >
Carriers • AD&D • COBRA Enrollment
Employers
Employers Employees
Employees
• Eligibility rules and
information
• Employee self-service after
• 24/7 access
the enrollment period is
• Powerful built-in reporting available
• Electronic delivery of • New hire enrollments
eligibility and payroll
• Annual open enrollment
deductions
• Life event processing
• Self-bill premium reporting
• Benefits information and
resources

5. Guided Tour
< >
The guided tour highlights some of
the main enrollment screens and
shows examples of some of the
built-in system functionality.

6. Introduction and System Overview
Welcome Screen
The welcome screen identifies the
employee and agent by name.
The system is designed to make the
enrollment process fast and efficient
< and the benefits content easy to >
understand.
Screens can be easily customized
and branded for each employer by
creating PowerPoint slides and
converting the slides to Flash.

7. Enrollment Demo
Navigation down the left side of
the screen tells the agent which
benefits have been enrolled,
which have been waived, and
< which benefits are incomplete.
>
Enrolled/ Applied
Waived
Incomplete

8. Introduction and System Overview
Key Messages
Key employer messages can be
easily loaded into the system,
making it an effective
< communications tool. >

9. Employee Update Reviewing the
Employee Record
Once the introductory slides are
finished, the system takes you
directly into Step 1: Review
Personal Info.
< >
If the system is preloaded with
an employee census, you can
verify employee contact
information, including home
address, telephone numbers,
and e-mail. Which fields can be
updated by the agent is
determined and configured at
the time of case setup.

10. Dependent Update
Reviewing Dependent
Information
Here you can add, drop, or change
dependent information on the
< employee. >
A bank of behind-the-scenes logic is
at work applying the employer’s
business rules as they relate to
eligibility for core benefits. These
include maximum age to cover a
dependent child, full-time student
status age, all required fields
completed, only eligible dependents
allowed to be added, etc.

11. Dependent Update
Example of Business
Rule Applied
In this example, the employee
attempted to add a child with a birth
< date of 10/15/81. The system >
recognizes that the child is over the
maximum age for coverage and
alerts the employee.
The employee can either go back
and correct the age (if it was entered
incorrectly by mistake), or continue
without adding the dependent to his
or her coverage.

12. Quick Enroll Feature
Quick Enroll Saves Time
Once dependent information is verified
and updated, the system can be set up
to allow a Quick Enroll of the
employee’s prior year’s benefits
< choices. >
On this screen, the associate can
check each core benefits plan that the
employee wishes to continue for the
next plan year. New costs are also
calculated and shown on this screen.
Any benefits that are checked for Quick
Enroll will be automatically forwarded to
the confirmation of elections screen at
the end of the enrollment
session.

13. Life
Easy-to-Understand
Benefits Education
< Screens >
Each benefits plan to be enrolled
is usually preceded by a short
series of easy-to-read slides that
highlight the main features of each
plan.

14. Medical
Easy-to-Understand
Benefits Education
Screens cont’d
If more than one option is
< available, side-by-side >
comparison charts can be
quickly created in
PowerPoint and uploaded to
the system.

15. Medical
Choosing the Medical
Plan
The system will display only
those plans and coverage tiers
< that the employee is eligible to >
select.
Notice in the example shown
here that the options for
Employee + Children and
Employee + Family are grayed
out and cannot be selected.
This is because the employee
only has a spouse listed on the
Dependents screen.

16. Dental
Dental Benefits
Education Screens
Side-by-side comparison charts
of the various benefits options
< can be quickly created in >
PowerPoint and uploaded to the
system.

17. Basic Group Term Life
Group Term Life
Screens
Employer-paid benefits can also
be included on the system. By
< communicating the employer- >
paid benefits, employees get a
better idea of the full scope of
their benefits package.

18. Collecting Beneficiaries
Store Beneficiary
Information
Electronically
If requested by the employer,
< the system can be set up to >
collect beneficiary information
for any of the core life and
AD&D plans.
Collecting beneficiaries can be
set up as mandatory, optional,
or not collected.

19. Voluntary Life Insurance
Voluntary Life
Insurance
The system has a sophisticated
Life and AD&D business rules
< module that can be configured >
to account for any combination
of business rules that determine
guaranteed-issue amounts and
under what circumstances
evidence of insurability is
required before coverage is
approved and new deductions
are started.

20. Voluntary Life – Evidence of Insurability (EOI)
When EOI Is Required
When an employee requests
coverage that requires evidence
of insurability before coverage
is approved, the system will
< >
notify the agent (and the
employee) that an EOI form
must be completed and
submitted to the insurance
company before coverage is
effective.

21. Flexible Spending Accounts (FSAs)
FSAs – Easy to
Understand and Easy
to Enroll
Flexible spending accounts are
< >
explained in simple terms and
by using tax savings examples.

22. The Data Bridge
The data bridge between Core+ and carrier enrollment software allows
employee and dependent census and enrollment data to flow in two
directions eliminating the need to rekey employee or dependent
information. This speeds up the enrollment process and also eliminates
< >
keystroke errors.
Core+ Carrier Laptop
Software
Data flows in both directions between the
Core enrollment system and carrier laptop
software.

23. Voluntary Plans
Acknowledgment of
Receipt
If an employee is required
to receive specific
documents prior to signing
< >
the electronic application,
the system can be set up
to automatically present
the required documents,
which can be printed out
on the spot and given to
the employee.

24. Sign and Submit Your Elections
Benefit Summary Form
Once all voluntary
applications and other
required documents are
signed, the employee is
< presented his or her Benefit >
Summary form. This is
usually the last form to be
signed electronically by the
employee that recaps all of
his or her elections and new
deductions starting at the
beginning of the next plan
year.

25. Examples of Built-In Reports
Core+ automatically includes a library of built-in
reports and file downloads that you can run at
any time.
This is an example of one of the built-in reports,
< which is a Benefits Summary. The user can >
run statements individually by employee or in
batches for all employees depending on the
needs of the employer.
Statements are set up to fit perfectly in a No.10
window envelope with the name and home
address printed on the back side of the
statement and showing through the window
once it’s folded to size.

26. Examples of Built-In Reports
Here are examples of some of the other administrative reports that can be run by an
administrator at any time during the enrollment or after the enrollment is complete.
< >

27. Data Synchronization and Online Reporting
Data Synchronized to a Central
Associate Laptop
Database
Each day associates can synchronize Associate Laptop Associate Laptop
their enrollment information stored on
their laptops with the central database
< by connecting to the Internet, starting >
Core+, and clicking on the Sync Now
button.
Core+
During a synchronization, the Central Database
associate can decide if he or she
Associate Laptop Associate Laptop
wants to send data up, pull only new
data down, or send data up and at the
same time pull down any enrollment
data taken by all of the other agents Associate Laptop
that day who have also synchronized
their laptops with the central database.

28. Online Reporting
Take a Look at the Big Picture
Once all associates have synchronized their
laptops with the central database, administrative
< users have access to a wide variety of real-time >
reports. These reports let you see aggregate
production to date, individual agent production,
employees seen by location, completes/
incompletes, enrollers who did not synchronize
their data, enrollers who have low production, etc.
By having access to this type of reporting, you
can make any necessary adjustments early in the
case to correct trouble spots, change staffing, or
spot-train on specific issues.

29. Thank you.
< This concludes the tour of the
Core+ enrollment system.