How Non-Traditional Benefits
Can Increase Your Income
and Help Make Employees Happy
EBA Summit
September 15, 2009

Elizabeth Halkos
Vice President
Sales and Marketing
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The Playing Field
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The World Economy
Increasing
Declining GDP Unemployment
Subprime Failing Financial
Mortgage Crisis Institutions
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The Market’s Impact on You
• Have your priorities changed?
• If so, what are you doing to address them?
• How have your clients’ priorities changed?
• How are you planning to accommodate for
lasting changes to your business?
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Employers
• Companies under
stress and in trouble
• Need to cut costs
• Increasing healthcare
costs
• Boost morale and
performance of
employees
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Consumers are on Defense
• Jobless rate is 9.7
percent
• 119 million are credit
challenged
• Cautious consumerism
• 15-20% of employees
have financial problems
severe enough to
negatively affect
productivity
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Inside the
Huddle
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Voluntary Benefits
Originally:
• Long-term care
• Disability
• Critical illness
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Evolution of
Non-traditional Benefits
Now:
• Prepaid legal
• Pet insurance
• Wellness programs
• Purchase programs
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The Ultimate Goal
“Anything companies
can do to reduce that
stress level for
employees is
something you
have to look at.”
- The Wall Street Journal
March 18, 2009
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Why Voluntary Benefits?
Demand from Your Clients
• Increased healthcare costs and its impact on
your clients
• The need to offer a competitive benefits
package in today’s environment
• Seeking easy to implement and low-cost
benefits
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Purchasing Power:
A Winning Record
• Helped bridge the
digital divide
• Promotes financial
wellness
• Creates opportunity for
brokers to recognize
and meet a need
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Our Playbook
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Benefits to the Employer
• Help retain and
recruit employees
• Stay competitive
• Boost morale
• No additional cost
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Benefits to the Employee
• Less stress
• Financial wellness
• Needs are fulfilled
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Case Study
EBA Summit 17

Recap
• The Playing Field
• Inside the Huddle
• The Ultimate Goal
• Our Playbook
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Steve Farish
Senior Vice President,
Worksite National
Practice Group
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Scouting
Report
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The Market’s Impact on You
• Have your priorities changed?
• How have your clients’ priorities changed?
• How are you planning to accommodate for
lasting changes to your business?
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Your Playbook is Changing
• Staying competitive as a broker
• Changing commission
structures
• Offering innovative products to
meet the diverse needs of your
clients
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Case Studies
• Healthcare Case Study
• School System Case
Study
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It’s a Win, Win, Win!
• Employers
• Employees
• Brokers
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