This document discusses Symetra Financial and Crowne Group's partnership in providing stop loss insurance solutions. It highlights Symetra's financial strength and experience. Crowne leverages its long relationship with Symetra to obtain competitive pricing and claims terms for clients. The document also outlines Crowne's services, including proposals, reporting, renewals, and claims assistance. Case studies show how Crowne has intervened to reduce clients' claims costs and rates. In the end, the document emphasizes Symetra and Crowne's commitment to partnering with agents and providing extensive service and leverage for favorable stop loss terms.

1. A Commitment To Partnerships Providing the best in Stop Loss solutions

3. The Symetra & Crowne Advantage

4. Our Commitment to YOU!

5. Broker Service Capabilities

6. Reporting

7. Renewal

8. Case Studies

9. Recommendations Agenda

11. $22.4 billion in assets as of 12/31/09 with revenue of $1.7 billion

12. A.M. Best Rating: A “Excellent”

13. Fitch Rating: A+ “Strong”

14. S&P’s Rating: A “Strong”

16. Over 100 years of combined industry experience serving public and private organizations and their respective employee benefits advisors & consultants

17. Stability of an active ownership/service team

18. Business model built on service, expertise & integrity

20. Fast, accurate specific claims reimbursement typically within 7 days of claim filing.

21. Medical Management nurses partner with your TPA to reduce ongoing claims costs

22. No audit policy on mainline carriers

23. A “no laser” policy upon renewal

24. Now offering 2nd year rate caps for qualified groups

25. Ancillary products such as Life, LTD, and STD The Symetra Advantage

27. Crowne leverages our $14 million book of business to bring independent agents and their clients best in stop loss pricing

28. Crowne also leverages our volume and relationship with Symetra to the clients advantage in claims adjudication, timely reimbursement and contract provisions

29. Crowne’s diligence in monitoring claims reimbursement typically results in claims payments within 5 days of claim adjudication.The Crowne Advantage

31. Our commitment is to NOT pursue any existing client for any insurance coverageswithout prior approval

32. Crowne believes we can be more successful working in partnerships rather than working in competition

33. Crowne will commit to always communicating with you unless otherwise directed

34. Crowne commits to providing the most competitive stop loss proposals with the highest level of serviceOur Commitment to YOU

36. Data Gathering , Preparation and Submission to Symetra

37. Crowne performs initial negotiations w/Symetra based on submittal and market conditions

38. Proposal Preparation and Delivery to YOU!

39. Crowne will perform Best and Final negotiations and assist with carrier negotiations if necessary

41. Agent collects deposit, all signed agreements from client and returns package to Crowne for processing

42. Case file w/policy# is completed. Policy issued and return to agent for delivery

43. Report File is built (See slide 11 for details)

44. Crowne monitors monthly reports and alerts agent for potentially high cost claimantsBroker Service Capabilities cont.

46. Crowne forwards completed claim file to Symetra Claims via overnight or email

47. Crowne monitors claim processing…typical claim payment within 5 days of claim adjudication

48. Reimbursement check is delivered to Crowne via overnight or mail and delivered to agent unless otherwise directed

49. Note: Claims file w/PHI not available for distributionBroker Service Capabilities cont.

51. tracks claimants who have reached 50% of Spec Ded., monitored monthly

52. Claims Reimbursement Summary

53. tracks on-going spec claimants monthly

54. Aggregate Reporting (if group purchases Agg. coverage)

55. Monthly Aggregate Liability Report

56. Includes Aggregate Funding Factors, enrollment, monthly Max. claims funding, monthly actual claims results, and YTD loss ratio)

57. Total Monthly Fixed Cost Report (current )

58. Total Monthly Combined Cost Report (current claims & fixed costs)

59. Total Combined Summary Report (prior period)

61. Preliminary Renewal Analysis w/Funding Options

62. Savings Analysis for Plan changes

63. By line of coverage and summary level

64. Key Indicators Report (current & prior periods)

65. Pharmacy Utilization Reports

67. Symetra prepares renewal proposal

68. Crowne delivers renewal to agent

69. Crowne negotiates a satisfactory renewal with Symetra

70. Crowne prepares all actuarial data and coordinates actuarial certification (as needed for public entities) Renewal

72. The $800K claimant passed through the end of contract and through the run-out period (12/15) prior to claim being filed

73. Crowne intervened on behalf of agent and client to perform claim audit

74. By contract, Symetra had no liability to pay claim

75. Crowne leveraged its negotiating power with Symetra to have claim adjudicated and paid according standard contract language

77. After the group moved to a self-insured arrangement with a carrier with superior network discounts, Symetra & Crowne delivered back-to-back single digit increases

79. Crowne was brought in within days of the accident to assist in negotiations with the carrier and medical providers to extend standard contract benefits at negotiated contract pricing at local providers

80. Crowne further negotiated with Symetra by leveraging its book of business to ensure the extended benefits and negotiated rates were to be covered under the stop loss contract

81. By virtue of Crowne’s early intervention and leverage with Symetra, the public entity saved hundreds of thousands of dollars in potentially unreimbursable claims Case Study #3: Treasure Coast Public Entity

82. Clients We Serve

83. References

85. Provide extensive day-to-day stop loss service including claims filing, reporting and data analysis

86. Crowne’s leverage of their book of business for the best in stop loss pricing and claims adjudication

87. Highly favorable contracts and stop loss experience