You are already familiar with research – but whether you are at the start of your journey, or you are already a power-user, you will get a lot of value from this session. Every registered attendee will receive a confidential, personalised report, on their system usage. We will ensure that we tailor each session to cover the areas of most value to you – and how to extract the maximum value from your research subscription. - Projected premiums - Quoting accelerated and standalone trauma and TPD together - Report history - Quoting life insurances with any health insurer - Underwriting terms - News - Backing your preferred provider choices with evidence - Help set our development agenda for new features for the next 12 to 24 months - Join our research advisory group

1. RESEARCH & DISCOVERY
Deep exploration of research and new features
SESSIONTWO
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2. Agenda
– Personalised reports
– Seven areas that are least used
– Newfeatures
– Detailed research review
– Things weareworking on
– Powerusers
SESSIONTWO
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3. Your personalised report
Wehave provided you with a printout of your usage on our site.
• Provide you an opportunity to understand areas you havenot tried
• Enables us to understand the type of users we have so we are better able to
target resources
• Theinformation is specific to you and not provided to anyone else
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4. What are the seven areas that
have been least used?
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5. 1. Matching health and life providers
• Why is this important?
• It enables you to illustrate any health provider with any life provider
• You can nowcompare life companies that donot havea health product
• Include more companies in your initial scope
• If a client is limited to keeping an existing provider you areable to still
illustrate this in one quote
Demonstration
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6. 2. Settings screen
• Provides you the ability to select the correct product options which has an impact on
both price and quality
• This is fundamental to our research process and gives the ability to personalise research
based on the products selected
• For you to demonstrate how your solution fits the clients needs
What do you think is the highest number of clicks on the settings screen?
Demonstration
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7. 3. Policy wording
• Does provideyou a simple way to vieweach providers wording for a single item
• Allows you to also reviewitems conditions and rating factors
• Gives you the ability to print out and include in SOA
• Good way of demonstrating specific items reviewfor client
Demonstration
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8. 4. Advanced Occupational Settings
• Provides the ability to change occupation codesto allow for companies that
have different occ classifications
• Ensures that you arecomparinglike for like
• Make sure the comparison is reasonable and not misleading
Demonstration
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9. 5. Newsand mail tabs
• Details the recentchanges and lets you knowwhat is included in an update
• Ensures you are up to speedwith all updates for pricing and research
• If you areawarethat a company has recently had an update you will be able to
seeif it is live
• Version controls for the research database updates are provided
Demonstration
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10. 6. Selecting an insurer in research report
• Provides the ability to have a full premium breakdown
• If you haveselected Income Protection orMedical it will providea table
breakdown of different excess and wait periods
Demonstration
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11. 7. Underwriting requirements
• Working out non-medical requirements for tests and examinations can be hard
–especially with multiple benefits
• Underwriting requirements compares the requirements for everyinsurer
showing which medicals, forms, and tests will berequired based ona client’s
sum insured, occupation code, benefits, and BMI
• Thedifferences can be substantial
Demonstration
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12. New features
• Mix and match health with any life provider
• Better userexperienceonmobile devices
• More detailed Head to Head reports
• Quote standalone and acceleratedTPD and trauma together
• Full history of old reports for each client
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13. Methodology
Value based Personalised
Ratings vary based on:
• Four factors
o Definition
o Amount
o Frequency
o Incidence
• Claim scenarios
• Age
• Sex
• Occupation class and type
• Options you choose
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• Based on policy wordings
• Must be comparable
• Transparent – share data

14. 14

15. Hospital cash grant
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16. Definition: Hospital cash grant
Company
code
Guide Accuro AIA nib PAR SX SOV UNI
*This insurer
offers this
benefit
100 100 100 100 100 0 100 100
Admission
due to
accident not
covered
-20 -20
Limited to
once per year
-15
Minimum
nights
required
-20 -20 -20 -20 -20 -20
Total 80 80 60 80 0 80 100
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17. Amount: Hospital cash grant
Scenario: 8nights stay in hospital
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Accuro AIA nib PAR SX SOV UNI
Maximumnights
nights
10 10 10 10 N/A 10 20
Pernight $300 $300 $300 $300 $300 $125
Maximum$limit/
limit/year
$3,000 $3,000 $1,500
Claimablenights
nights
8 7 6 5 5 8
Amountpaid $2,400 $2,100 $1,800 $1,500 $1,500 $1,000
%of claim scenario
scenario
12.0% 10.5% 9.0% 7.5% 0.0% 7.5% 5.0%

18. Incidence and frequency
Incidence
2% - how likely it will beclaimed
Frequency
1- as this only tends to be claimed on once during a policy term
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19. QPR rating: Hospital cash grant
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Company Definition Incidence Amount Frequency QPR
Rating
Accuro 80 2.00% 12.00% 1 0.19
AIA 80 2.00% 10.50% 1 0.17
Nib 60 2.00% 9.00% 1 0.11
Partners
Life
80 2.00% 7.50% 1 0.12
Sovereign 80 2.00% 7.50% 1 0.12
Unimed 100 2.00% 5.00% 1 0.10

20. Trauma: Angioplasty
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21. Definition: Angioplasty
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Companycode
code
Guide AIA AST CIG COU FID MAS ONE PAR SOV
*Thisinsureroffers
offersthisbenefit
benefit
100 100 100 100 100 100 100 100 100 100
Requiring
impairmentorangina
angina
-10
Sixmonthstand
standdownbetween
betweenprocedures
procedures
-5 -5 -5 -5
Total 95 100 100 100 100 100 100 95 95

22. Incidence and frequency
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Incidence Male Female
0.36% 0.45%
AIA AST Cigna
a
Co-op
op Bank
Bank
Fidelity
y
Kiwibank MAS OnePath
h
Partners
Frequency
y
120%
%
120% 100%
%
100% 120% 120% 120% 120% 120%
Amount 25% 25% 10% 10% 25% 25% 10% 25% 25%

23. QPR rating: Angioplasty
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Company Definition
n
Incidence Male
Male
Incidence
eFemale
Female
Frequency
cy
Amount QPR Rating
Male Female
Female
AIA 95 0.36% 0.45% 1.2 0.25 0.10 0.13
Cigna 100 0.36% 0.45% 1.2 0.1 0.04 0.05
Co-opBank 100 0.36% 0.45% 1 0.1 0.04 0.05
Fidelity 100 0.36% 0.45% 1.2 0.25 0.11 0.14
Kiwibank 80 0.36% 0.45% 1.2 0.25 0.09 0.11
MAS 100 0.36% 0.45% 1.2 0.1 0.04 0.05
OnePath 100 0.36% 0.45% 1.2 0.25 0.10 0.13
Partners 95 0.36% 0.45% 1.2 0.25 0.10 0.13

24. IP: Offsets
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25. Definition: Offsets
Note: Weare looking at Loss of Earning onlyinthis example
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Companycode Guide AIA ASB AST ONE PAR SOV
ConcurrentMortgage& Income Benefitpaid
Benefitpaidlimitationafter6monthsclaimperiod
monthsclaimperiod
-5 -5
Employerrem.orsickleave -25 -12.5 -25 -25
OtherpoliciesorACC -25 -25 -25 -25 -25 -25 -25
Anysuperannuationifbenefitpaidpastage 65
pastage65
-1 -1 -1 -1
Clearlystatesinvestmentincome notoffset
notoffset
0.5 0.5 0.5 0.5 0.5
Clearlystateslumpsumpayments(can be from
(can befromACC)
0.5 0.5 0.5
Socialservicespayment -5 -5
Total -38.5 -50.5 -24 -24.5 -34 -50.5

26. Incidence and frequency
Incidence
70% - howlikely it will beclaimed
Frequency
1- as this only tends to be claimed on once during a policy term
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27. Amount: Offsets
Assumptions Annually
(Benefit)
% Share Monthly Annual
Income
30 day wait, to age 60, class 2, and benefit $40,000 $3,333.33 $53,333.33
Paid ratio of 67% based on Gen Re survey
Duration 9 months total disability $30,000 90% $3,333.33
Offsets -$4,950 -14.9% -$550
Reduced income / other -$4,950 -14.9% -$550
Pre-disability income $53,333 $4,444.44
2 months partial disability at 50% $3,333 10% $1,666.67
Offsets -$550 -1.7% -$275
Reduced income -$550 -1.7% -$275
Total claim potential value $33,333.33
Reductions -$11,000
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28. Amount: Offsets
Modifiedforlossof earningscontractspayingmorein caseswherepartialdisabilityorACC
paymentshavearole:
Note: partialamount score depends on the specific terms
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Indemnity Agreed Value LOE
Total disability 54.00% 55.00% 61.60%
Offsets 16.50% 16.50% 10.90%
Partial From 6.7%to 13%
13%
From 7.7%to 14%
14%
From 15%to 19%
19%

29. Things we are working on
• Serious Trauma quoting and research (demonstration QA)
• Medical excess forspecialist and tests - at the moment we only provideexcess
selection for base plans
• Product mapping
• Provider pricing so you do not need to re-quote
• What would you like tosee?
• Priorities
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30. New serious trauma benefit option
• Pricing and research
• Demonstration in ourtest platform
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31. Product mapping
• As an example Asteron Life’s
IncomeProtection Options
• Each option turns on and off
different items
• Ability to provide product
map
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33. Power users
• Howwe want to work with you:
• Organised small workshop sessions onkey enhancements
• Formativeinput on research issues
• Earlyaccess to newfeatures
• Help us prioritise developments
• Referral privileges
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34. Thank you
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