Aflac provides supplemental insurance policies to help protect employees from financial hardship due to serious illnesses or injuries. With rising out-of-pocket healthcare costs, many families now struggle financially even with employer-provided medical insurance. Aflac's policies pay cash benefits directly to policyholders to help cover costs like lost wages and bills. Adding Aflac coverage improves employee benefits packages and recruitment/retention while reducing taxes for employers. The representative argues that with Aflac, employers can offer truly "world class" benefits protecting employees' financial well-being.

1. How We Add Value to
Your Business
Presented by:
Allan Mason, Aflac Representative
302-293-7844

2. You’ve Probably Seen Our
Commercials

3. Our Reputation Speaks for Itself
 Founded in 1955, now insures 40 million people
worldwide
 Named to America’s Most Admired Companies list
for the eighth year, #1 in the Life and Health
Insurance category (Fortune, March 2009)
 Named to World’s Most Ethical Companies list for
the third straight year (Ethisphere, April 2009)
 Named to 400 Best Big Companies in America list
(Forbes, January 2009)
 Named Most Respected U.S. Insurance Company
(Reputation Institute, June 2008)

4. Some of the World’s Best Companies
Provide Aflac to Their Employees

5. It’s a Balancing Act
 Companies want to offer good benefits
…but don’t have unlimited resources.
 At the same time, the average American struggles
to keep up…

6. Employees Have More Out of Pocket
Exposure Than Ever Before…
Co-pays and deductibles are up 115% since 2000.*
*Source: NCHC 2008

7. More People are Living Month to
Month or Paycheck to Paycheck
 The savings rate is barely
positive, and has been
negative for several
years
 69% of U.S. citizens live
month to month.*
 42% of live paycheck to
paycheck.*
*Source: MetLife Study of Employee
Benefit Trends 2005

8. One Major Sickness or Accident Can
Lead to Financial Disaster
 48% of all home-mortgage
foreclosures are caused by
disability of the breadwinner*
 56% of all personal
bankruptcies
are caused by a health
situation**
*Source: Norton Bankruptcy Advisor 2006
**Source: Harvard Business School 2004

9. Here is the Reason Why!!!
An Illustration of the Harvard Study
 Imagine a middle class American family with a home, two
children, two cars and $100,000 annual income
Employee makes $70,000 – after-tax pay/month $4,375
Spouse makes $30,000 – after-tax pay/month $1,875
Total monthly after-tax pay $6,250
 Employee gets cancer, is out of work for one year
Employee’s monthly disability after taxes $2,625
Spouse monthly after-tax pay $1,875
Total monthly after-tax pay $4,100
 Over the course of the year this family sees a reduction in
after-tax income of $25,800, and the spouse MUST continue
to work full time

10. Here is the Reason Why!!!
An Illustration of the Harvard Study
 Imagine a middle class American family with a home, two
children, two cars and $70,000 annual income
Employee makes $70,000 – after-tax pay/month $4,375
Spouse stays at home $0
Total monthly after-tax pay $4,375
 Employee gets cancer, is out of work for one year
Employee’s monthly disability after taxes $2,625
Spouse stays at home $0
Total monthly after-tax pay $2,625
 Over the course of the year this family sees a reduction in
after-tax income of $21,000

11. And how do you answer
this question?
“My spouse was just diagnosed with a
serious health condition. I need to take a
leave of absence to care for my family.
What do we have in our benefits to get me
through this?”

12. That Family Is Now Facing a
Financial Challenge
 Imagine a middle class American family with a home, two
children, two cars and $70,000 annual income
Employee makes $70,000 – after-tax pay/month $4,375
Spouse stays at home $0
Total monthly after-tax pay $4,375
 Spouse has heart attack, employee takes FMLA leave of
absence
Employee’s monthly after-tax pay $0
Spouse stays at home $0
Total monthly after-tax pay $0

13. Aflac Provides a Financial
Safety Net for Your Employees
 We provide a Financial Safety Net for employees who need
cash assistance when a major health problem strikes
 Our Catastrophic Coverage includes large cash benefits to
replace lost income. Some examples:
$2,000 paid for initial cancer treatment, $300 per day paid
for chemotherapy (Cancer Indemnity Insurance Plan)
$5,000 for first time diagnosis of a heart attack, $300 per
day of hospitalization (Specified Health Event Protection
plan)
 Employees can use the payments for whatever they like (pay
mortgage, buy groceries, pay bills)
 Our policies complement your existing benefits and pay
claims regardless of any other insurance the employee has in
place

14. But Wait…
If Aflac is so great, and so many people
need financial safety net insurance, why
haven’t more of my employees asked
me about it?

15. Employees Haven’t Asked Because
They Don’t Realize Their Exposure
 Of all the individual bankruptcies caused by a
health condition, 73% of those affected said that
they had “good benefits” through their employer.*
*Source: Harvard Business School 2004

16. OLD Definition of a
Benefit Rich Company
 It used to be that, with these benefits in place,
employees felt well protected…
Employees’ View of Vital Benefits
Life STD
Vision
Dental 401K
LTD Medical

17. OLD Definition of a
Benefit Rich Company
 …However, if 9 out of 10 employees will get
wiped out financially by just ONE severe
accident or illness, can this company’s benefits
be called anything but “inadequate”?
Actual Vital Benefits Provided
Life STD
401K
LTD Medical
Ancillary Benefits: Vision, Dental (don’t protect
against bankruptcy)

18. TRUE Definition of a
Benefit Rich Company
 World class benefits, including Aflac’s
Financial Safety Net, give your employees the
best protection against financial disaster due
to a health situation
Actual Vital Benefits Provided
Life Disability
Financial
Safety Net 401K
Medical
Ancillary Benefits: Vision, Dental (don’t protect
against bankruptcy)

19. These Programs Fit Perfectly
With What You Already Have…
 Comprehensive Package
The next level of paycheck protection, for your
employee and their family.
 Catastrophic Package
Protects against worst-case scenarios. Can also
cover the whole family.
 Maternity Package
For those starting or adding to a family.

20. …And Are Easy to Implement
 No cost to the company
 No change to existing benefits
 We do all employee education
 We complete and collect all forms
 We handle all claims and questions
 We handle all ongoing service and new employee
education

21. How Aflac Improves Your
Bottom Line
By adding our Financial Safety Net insurance, your
benefits package becomes World Class. The result:
 Improved employee recruiting and retention
(replacing an employee is one of your highest HR
costs)
 Employees have greater peace of mind and
improved morale, which can lead to higher
productivity
 Immediate cost savings – many of our plans are
paid pretax, which reduces your tax base and
saves you money

22. Which Side Would You
Rather Be On?
 Good benefits  World Class
benefits
 Employees and
their families in  Employees well
financial trouble if protected against
anyone gets financial trouble due
seriously hurt or to illness or injury
sick
 Improved employee
 Employees can retention
find better benefits
 Lower taxes
elsewhere
 Higher taxes

23. One Simple Question…
Is there any reason why you
wouldn’t want to move forward
with Aflac today?