There’s a Better Way

Presented by: Henry SantosAssistant VPAmWINS Group Benefits

Agenda

• About AmWINS• About You• Surviving the Emerging Market• Our Mission

– To support you– Offer you a better way

• Products and Services

About AmWINS Group Benefits• Division of AmWINS Group, Inc.

– Largest private insurance wholesaler in US

– $3.5 Billion in premium

• Benefits Division– 13 Locations

– 500+ Employees

– 1,100+ Groups

– 600,000+ Members

– $1.3 Billion in premium

AmWINS Group Nationwide Distribution

Surviving The Emerging Market• Revenue threats

– Economy– Lower commissions– Increased competition– Healthcare reform

• Options– “Patience…stay the course”– “Innovate…make the market”

• Transition to an innovator– Don’t sell the same old stuff– Solve your clients’ problems

Principles of a Better Way

Mission

To deliver a competitive edge to people that work with us and for us.

Vision

AmWINS was formed with a belief that:

We will enhance the way our industry does businessWe will be leaders in everything we doWe will be home to the best talent and expertise in the businessWe will always challenge the status quo and demonstrate our value at every interactionWe will be one company focused on teamwork

We are AmWINS and our vision is to create,distribute and service forward-thinking solutionsthat provide our clients, markets and employeeswith an experience that will be the most soughtout in the industry.

Our Mission, Vision and Principles

Support of Our Mission

• Develop, underwrite, distribute and administer niche L&H products

– Products are not commodities– We don’t have a box– “Everything but take risk”

• Solutions vs. Product• Client centric – Benefit Producers

– Awareness– Educate– Focus

• We do weird

Retiree Benefit Advantage

•Easier prospecting•You don’t need to be an expert•Industry expertise•End-to-end proposal and administration

•Benefit plans for retirees•Medical, RX, and other programs•Reduction of balance sheet liabilities•Exit strategies

Description

ValueProposition

•Main Street to Wall Street•Employers, government agencies, Taft-Hartley plans, non-profits•Groups in economic crisis

Prospects

Limited Medical - HealthWINS

•Limited medical plan•Low cost alternative to traditional plans•Indemnity – maximum fee per service•Expense incurred – annual limits on benefits

•Superior administration •Multi A rated carriers •Standard and customizable plans•State-of-the-art enrollment capabilities

•Hospitality•Healthcare•PEO’s•Trucking

Description

ValueProposition

Prospects

Benefit Watch

•ERISA requires audits•Comprehensive analysis of all claims•Documentation, negotiation and recovery services

•Great prospecting tool for PBM business•Value added service for your clients•Found $•Average findings of 7.6% error rate

•Any payor of RX benefits•Self-funded groups•Taft-Hartley plans

Description

ValueProposition

Prospects

PBM - IdealScripts

•Pharmacy Benefit Management•Innovative and flexible plan designs•Self-funded and insured options•Fully transparent

GeneralDescription

•Broker centric•Mid-market focused•Service•Proprietary programs-improved outcomes

ValueProposition

•Employers large and small•Government Agencies•Taft-Hartley Plans•TPAs

Clients

Third Party Administration

Synergized claim servicesCommunity health care initiativesAla carte services

GeneralDescription

SAS-70 Level II credentialsAvg. yield: 69% cost reductionLeading edge technologyPayor access to data

ValueProposition

Employer GroupsUnions Any ERISA Plan

Clients

Specialty Pharmacy

•Coverage for complex conditions (Tier 4)•Protects employers against severity•Co-insurance percentage•Emerging problem (drug production/inflation)

GeneralDescription

•Predictable risk•Improved cash management•Can reduce stop loss costs•Removes moral dilemma for company

ValueProposition

•Self-funded employers•Government Agencies•Taft-Hartley Plans•TPAs

Clients

Dialysis Management

•Easy to implement service•Helps manage dialysis claim costs•Single patient monthly claims can exceed $30,000

GeneralDescription

•Can save up to 50% with re-pricing methodology•Cost savings protects plan assets, eases stop-loss renewals and preserves patient LTM

ValueProposition

•Large self-funded employer groups•Employers with current dialysis claim issues

Clients

Stop Loss Insurance

Protection for self-insured employer groupsSpecific and aggregate medical stop-lossPrescription drug stop-loss

GeneralDescription

MGU – we have the penAccess to variety of marketsCustom plans and “hard to place” risksMarketplace clout

ValueProposition

Employer Groups Taft-Hartley plansERISA plans

Clients

GovCon Limited Medical

Government Contracts Davis Bacon Act & Service Contract ActMedical & Prescription coverage

GeneralDescription

Reducing Labor CostsAdministration of Health & Welfare / Fringe RateGuaranteed Issue benefits for employee & familyHRA Card

ValueProposition

Construction CompaniesSecurity & Guard ServiceJanitorial / Custodial ServiceLandscaping / Grounds Keeping

Clients

Delivering a Competitive Edge

• Through A Better Way• Enhancing strategic focus

– Administrative services– Develop more markets– Build more products– Be consultative

• The result– Easier prospecting– Increase appointments– Higher closing ratios

Thank You!

• Contact Information:

• Henry Santos• O: 401.734.4144• C: 401.413.7508• E-mail: henry.santos@amwins.com