This document proposes a business strategy to provide driving safety education programs to consumers in order to offer insurance premium discounts. It would benefit consumers through lower premiums, and benefit insurers by potentially lowering claims and increasing policy retention and margins. The strategy involves partnering with existing online course providers to deliver the programs and integrating with insurers. It argues this approach can be implemented across many states and provides a mutually beneficial value proposition for all parties.

1. Consumer, Risk & Carrier Insurance Education Solutions
Presented By: Insurance Education Solutions

2. Overview
Business Premise  Consumers benefit in terms of
lower premiums
 Consumers and Risk/Carriers
“Providing consumers with an benefit in terms of lower claims
insurance premium discount  Risk/Carriers benefit in terms of
for completing effective increased new quotes & higher
policyholder retention
driving safety education is
mutually beneficial to  Risk/Carriers benefit in terms of
higher net policy margin
consumers, risk entities
and carriers.”

3. Overview
 Established/expanding practice of
Key Business Dynamics insurance premium discounts for
completion of driving safety education
programs
 Proven history of driving safety education
reducing claims and improving policy
 Existing Practice profitability
 Proven Products  Qualified existing/potential education
resource options from multiple leading
 Existing & New Options providers
 Enhanced Net Margin  Meaningful unrestricted service fee income
exceeds policy margin concession of
carriers

4. Overview
50 State Availability (Regulated & Unregulated Mix)
Existing & Available  18 States with 55+ regulated courses
Driving Safety  12 States with any age regulated courses
Education Programs  38 States with complete or <55 unregulated
potential
Marketplace
Landscape Ability to Offer „Proprietary‟ Programs is Universal
 State or Carrier Approved
 Equal or Exceed Any Mandated Discount
Requirement

5. Overview
Regulated Course Provider
Existing & Available  One of the Largest U.S. Providers
Driving Safety  Own Courses for all Regulated States
Education Programs  10 Years, 2 Million+ Course Completions
Unregulated Course Provider
Our Partners  Recognized Leader in U.S. Driver Education
Negotiating MOA’s Services for 25 Years
 High-Quality Interactive Courses vs. Basic
Q&A structure of State Regulated Courses
 Extensive Custom Curriculum Development
Capabilities (i.e. claims driven)

6. Overview
Annual Policy Premium: $1,000 – Discounted 10% (as an example)
The Formula
Policy Financial Impact: First Year/Three Year
Premium Margin Loss1: ($3,00)/($9.00)
The Market: Loss Ratio Change2: $3.00/$9.00
 200 Million+ Retention Value3: $10.00/$30.00
U.S. Drivers Unrestricted Service Related Income4: $10/$0 (year one only)
Net Policy Impact: $20/$40
 98%+
Discount 1. 10% annual premium discount - $100 – Industry average 3% ROR on automobile premium
Eligibility 2. Conservative assumption that claims savings does not exceed filing expectations
3. Conservative 5% “save rate” of $200 total expense to replace one policyholder
4. $10 immediate unrestricted service fee income from course fee (approximately $30) paid by
consumer/policyholder

7. Overview
Online Course Providers
CLIENT/CARRIER
 Proprietary
 Intermediary Landing Platform
 Policyholders
 Program Strategy  Course Delivery
 Access
& Customization  Customer
 Media
 Provider Q/C Support
 Client Reporting  Automated Client
Integration
Three Party Integration

8. Overview
Powerful Combination &
Value Proposition
 High Quality Safety Education
 Consumer Savings
 Enhanced Risk/Carrier Profitability

9. Consumer, Risk & Carrier Insurance Education Opportunities
Thank You,
InsuranceEducationSolutions.com

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