Serving Credit Union Members

Nationwide

• Chartered in 1924

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

• Over $1.1 Billion in assets

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

• AIL is one of the world’s largest providers of supplemental insurance.

A.M. Best A.M. Best

A+ A+ SuperiorSuperiorRatingRating

Credit Unions, Unions and Associations

3,000,000 Members3,000,000 Members

Credit Union LinesCredit Union Lines

*AIL Publishes nationally the Credit Union Lines each month at no cost to the Credit Union

*Provides general information of current Credit Union topics

Blue Paper of the MonthBlue Paper of the Month

MONTHLY TOPICS

PAST TOPICS INCLUDE

• “10 Realities about New Bankruptcy Law”

• “Privacy Act”

• “Executive Compensation”

CREDIT UNION CREDIT UNION SERVICESSERVICES

* Surveys

* Increase Loan applications

* Credit Union Product and Service Cross Selling

* Value Added Benefits

* Membership Education

Value Added BenefitsValue Added Benefits

$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 most,

their children!

How We Implementthe Value Added Benefits…

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

2. The letter lets them know the benefits are coming in cooperation with AIL and their local Credit Union

ATTENTION Dear Member: I’m very pleased to announce that Helco Federal Credit Union has obtained a benefit for each member 18 years of age and older at NO COST TO YOU . This supplemental insurance is being provided through American Income Life Insurance Company. Your Credit Union is proud to jointly sponsor this NO COST benefit with American Income Life Insurance Company, a company serving Credit Unions and their members nationwide.

No Cost - $2,500 Accidental Death & Dismemberment Benefit

In Addition, you are also eligible for the Health Service Discount Program

If you fail to designate your beneficiary, the benefit will be paid to your estate and may be subject to probate. Sincerely, Glen Maeda Manager P.S . Y ou and your family may qualify for additional insurance benefits offered at this time. We encourage you to consider these important benefits secured through the Credit Union. American Income Life and its programs are offered to help our members. Please take a few minutes and listen to the AIL representative who will be calling on you. If you have any questions about these benefits please email American Income Life at: questions@altig.com or call them at 1-800-842-0022.

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Every member needs 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/HELCOFCU

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

* All Members arecovered by the AD&D Master Policy which the Credit Union holds

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

RESPONSE CARD FOR

HELCO Federal Credit Union AD&D BENEFIT

Please Print In Ink

LAST FIRST MIDDLE DATE OF BIRTH

HOME ADDRESS

CITY STATE ZIP CODE

( )

HOME TELEPHONE CELLULAR PHONE

BENEFICIARY DATE OF BIRTH RELATIONSHIP

P3140 – HI

THIS CARD MUST BE RETURNED WITHIN 10 DAYS

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When a Mailing is doneWhen a Mailing is done through your Credit Union… through your Credit Union…

* The Program is at NO COST to the Credit Union 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 Enrollment card and one out of three will purchase additional benefits

When one of our Representatives

contacts a Credit Union 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

* 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

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.

Representative Report FormRepresentative 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 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

1. All Credit Unions to have a Manager of Record. (Managers to determine whom the manager of record will be).

2. All Credit Unions will have an Agent(s) of record ( PR/Manager will Determine who).

3. All Credit Unions must have an introduction by the Manager/Agent(s) of Record before the Leads are worked.

4. PR is responsible to send Notification Letters to the Credit Union with introductions and changes.

5. PR must put the Credit Union on Reserve with the Redmond Lead Dept when the group is set up at home office.

6. PR Will provide personalized Credit Union training for each Credit Union / Agent training.

7. Credit Union Report forms (Blue) will be used for each Credit Union.

8. Once a month the Agent or Manager of Record will drop off the Credit Union Report forms to the Credit Union.

Credit Union ProtocolCredit Union Protocol

* Report Forms* Surveys* Drop bys* Email* Phone* Reports* Death Claims* Chocolate

Servicing the Servicing the Credit UnionCredit Union ……