Serving Serving Union Union

Members Members WorldwideWorldwide

• Chartered in 1924

• Purchased by Bernard Rapoport in 1951

• The ONLY 100% Wall-to-Wall Organized Insurance Company in North America

• Everyone who works for us is a union member and protected by a union contract

• Operates in the Spirit of “Be Union – Buy Union” in Word and Deed

• Over $25.8 Billion of supplemental life insurance in force!

• AIL is the worlds largest provider of union supplemental insurance.

• International Company - Licensed in the U.S., Canada, New Zealand, Puerto Rico and the Virgin Islands

A.M. Best A.M. Best

A+ A+ SuperiorSuperiorRatingRating

Serving over 3,000,000 MembersServing over 3,000,000 Members

In more than 30,000 Locals in North AmericaIn more than 30,000 Locals in North America

Labor Advisory Board

Union Leaders

1. Advise on the type of supplemental benefits Union members need – Who better to determine where negotiated benefits leave off and where we can help?

2. Direct a portion of our profit back into Labor and Labor-related causes. Such as: Scholarship funds, health and safety issues, and the Economic Policy Institute. We even have strike support, all of which goes through the board.

3. At the local level we have an agency structure that gets involved through the Public Relations Representative.

Annual ReportAnnual Report

How theHow the Benefit Program Benefit Program works…works…

$2,500 Accidental Death & Dismemberment Benefit at

NO COST.

ACCIDENTAL DEATH & DISMEMBERMENT POLICYACCIDENTAL DEATH & DISMEMBERMENT POLICY

2006 Highlights

* $2.2 Million paid to Union Families

Vision / Eye Care

Prescription Drugs

Hearing

Chiropractic

Health Services Discount PlanHealth Services Discount Plan

2006 Highlights

* Approx $1.5 Million saved on Prescription Medications

Child Safe KitChild Safe Kit

Endorsed by the International Union of Police Associations

and the AFL-CIO

Helping working families protect what they value the

most, their children!

How We Implementthe Benefit Program…

1. We send a letter on your letterhead to each member, informing them of their new benefits

2. We send it on your letterhead so the members know the benefits are coming in cooperation with AIL and their local Union

3. There is no cost to the Union for printing or postage

ATTENTION Dear IBT 324 Member: We are pleased to announce that active members and retirees now have an increase in benefits at NO COST TO YOU. This supplemental insurance is being provided through American Income Life Insurance Company. Your Union is proud to jointly sponsor this NO COST benefit with American Income Life Insurance Company, a 100% Union Company.

No Cost - $2,500 Member Accidental Death & Dismemberment Benefit In Addition, you are also eligible for the:

ß Health Service Discount Program ß Child Safe Kits

If you fail to designate your benefi ciary, the benefi t will be paid to your estate and may be subject to probate. In Solidarity, Executive Board Teamsters Local 324 P.S. You and your family may qualify for additional insurance benefi ts off ered at this time. American Income Life and its programs are off ered to help our members. Please take a few minutes and li sten to the AIL representative who will be calling on you. ONLY MEMBERS WHO RETURN THEIR CARD WI LL BE CONTACTED. If you have any questions about these benefi ts please contact Shannon Walker our Public Relations Rep with American Income Life at: shannonwalker@altig.com or call her at 360-606-7317.

SG#

American Income Life has asked every member to fill out and return the enclosed postage-paid card within 10 days to American Income Life,

in order to deliver your certificate, designate your beneficiary and receive your signature

or To complete the card on line, please visit:

http://returns.altig.com/ibt324

* Postage Paid Response Card is enclosed with each Letter including an Internet address option to complete the card online

* All Members are covered by the AD&D Master Policy which the Union holds

* Members who return their Response Card will be contacted by our Representatives

• The Program is at NO COST to the Local or the Member

• AIL respects the Confidentiality of Membership mailing lists and does not require a copy of them

• Typically, 20 – 35% of your Members will return the Response card and one out of three will purchase additional benefits

When one of our Representatives

contacts a Member…

* Deliver their Individual Certificate of Coverage and have them designate their Beneficiary

* Clearly explain the affordable supplemental programs and answer all questions

* Present the Health Services Discount Plan

“In today’s economic times, public and personal financial security have never been more threatened. Public policy must be enacted to protect the whole, while supplemental insurance should be considered to protect your family’s specific needs. Life insurance and wage continuation

insurance are two benefits that are more essential than ever to protect working families.”

Dave BarrettDave BarrettAIL Labour Advisory Board MemberAIL Labour Advisory Board Member

Read Off Read Off LetterLetter

Thomas G. Strickland Secretary - Treasurer

Dea r IBT 81 Memb e r or Re tire e,

The ins uran ce progra ms be ing p rovide d toda y a re ma de avai lable on a voluntary basis through th e coopera tion of Te a mster s Local Union No. 81 a nd Ame rican Income Life, a 100% union la bel co mpa ny. The s upp leme ntal be nefits a re pre s ented in the spir it of be union - buy union and there is no obligat ion.

The supplemen tal benefits a re not in compe tition with your ne got iate d be nefits. The ben e fits bei ng offe re d ca n ho weve r complime nt your curren t colle ctive ag ree me nt insu rance be nefits a nd en s ure co verag e a fte r re tire ment , lay-offs or car e er chan ges.

Te amsters Local Union No. 81 currently provides a $10,000 life ins ura nce ben efit for active me mbe rs onl y. The be nefit through th e local bec ome s null a nd void up on issu a nce of a withdrawl card a nd/or ret ire.

AIL s upple me ntal b e nefits include a utoma tic built in fe a ture s to he lp uni on me mbers d uring hard times; su ch a s the s trike a nd layoff waivers.

Than k you for ta king the time to me et with the AIL repres en tative . We would like your fe edback, so ple as e take a minute to comple te the Uni on Office r Rep ort Form.

In Sol idar ity, Tho mas G Str icklan d George Sto kes Mike Ja mes Mike Schoen Secretary -Treasur er Pres iden t Vice -Pres iden t Record ing Sec retary Barney F arre ll Jake Cozb y Denn is Bower Trust ee Trust ee Trust ee

SG#

* Pay Cheque Protector, which acts as a readjustment benefit

* Final Expense Plan

* AD&D and Emergency Hospital Intensive Care Program

* Cancer Benefit

* All Supplemental Benefits are 100% Union

Supplemental BenefitsSupplemental Benefits

2006 Highlights* $70 Million of claims paid to

Working Families through their benefits with AIL & NILICO

* 1.1 Million in 1.1 Million in premium for policy premium for policy holders waived in the holders waived in the last 2 yearslast 2 years

* No payback required* No payback required

TERMINAL ILLNESS LIVING BENEFIT

 PROVIDES 50% OF THE POLICY COVERAGE AMOUNT UPON DIAGNOSIS OF A TERMINAL ILLNESS. (Life Expectancy less than 12 months)

AVAILABLE AT NO COST FOR POLICY HOLDERS.

Union Officer Report FormUnion Officer Report Form

Eliminates Confusion over:

• Funeral Arrangements• Insurance Papers• Estate Information• Taxes

FAMILY FAMILY INFORMATION INFORMATION

GUIDEGUIDE

How Do We Do It?

One Can Of Food at One Can Of Food at a Time!a Time!

FOOD BANKFOOD BANK

The Next Step…The Next Step…

* Provide copies of your Letterhead

* Process the mailing

* Stay in contact with your AIL Representative

* Reports back to you on Claims History, Membership participation and Union officer report forms.

Complete the Group Coverage Form(provides immediate 24 hour coverage)

* Send the information electronically via email to your membership distribution list

Electronic OptionElectronic Option

Helping Helping SecureSecure

the the

Future Future of of

Working Working FamiliesFamilies

With…With…

AffordableAffordable

PermanentPermanent

PortablePortable

Supplemental BenefitsSupplemental Benefits