A Commitment To Partnerships

Providing the best in Stop Loss solutions

Background – Symetra Financial & CrowneThe Symetra & Crowne Advantage Our Commitment to YOU!Broker Service Capabilities ReportingRenewalCase StudiesRecommendations

Agenda

A diversified financial services company based in Bellevue, WA since 1957 (NYSE: SYA)

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

A.M. Best Rating: A “Excellent” Fitch Rating: A+ “Strong”S&P’s Rating: A “Strong”A pioneer and leader in medical stop loss since 1976

Established in 1986 to provide human resources consulting and has evolved into one of the nation’s largest independent stop loss producers

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

Stability of an active ownership/service team Business model built on service, expertise & integrity Recognized by carriers as key industry advisors

Symetra’s financial strength Fast, accurate specific claims reimbursement typically

within 7 days of claim filing. Medical Management nurses partner with your TPA to

reduce ongoing claims costs No audit policy on mainline carriers A “no laser” policy upon renewal Now offering 2nd year rate caps for qualified groups Ancillary products such as Life, LTD, and STD

The Symetra Advantage

The Crowne Group has established a 20 year relationship with Symetra Financial

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

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

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

The Crowne Advantage

The Crowne Group is committed to partnering with independent agents statewide

Our commitment is to NOT pursue any existing client for any insurance coverages without prior approval

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

Crowne will commit to always communicating with you unless otherwise directed

Crowne commits to providing the most competitive stop loss proposals with the highest level of service

Our Commitment to YOU

Our service capabilities allow you to spend more time with YOUR clients

Data Gathering , Preparation and Submission to Symetra Crowne performs initial negotiations w/Symetra based on

submittal and market conditions Proposal Preparation and Delivery to YOU! Crowne will perform Best and Final negotiations and assist

with carrier negotiations if necessary Crowne performs all communication with Symetra

Broker Service Capabilities

At time of SALE, Crowne prepares Group App, Deposit and all required HIPAA & BA agreements

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

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

Report File is built (See slide 11 for details)

Crowne monitors monthly reports and alerts agent for potentially high cost claimants

Broker Service Capabilities cont.

Once claimant hits Specific Pooling Point, Crowne requests all required documentation from TPA/Carrier (Eligibility screen print, detail claims report w/PHI, Symetra claim form and medical prognosis if required)

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

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

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

Note: Claims file w/PHI not available for distribution

Broker Service Capabilities cont.

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

Claims Reimbursement Summary tracks on-going spec claimants monthly

Aggregate Reporting (if group purchases Agg. coverage)

Monthly Aggregate Liability Report Includes Aggregate Funding Factors, enrollment, monthly Max. claims funding,

monthly actual claims results, and YTD loss ratio)

Total Monthly Fixed Cost Report (current )

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

Total Combined Summary Report (prior period)

Pharmacy Rebate Report

Reporting

All the above Reports for current and prior period Preliminary Renewal Analysis w/Funding OptionsSavings Analysis for Plan changes

By line of coverage and summary level

Key Indicators Report (current & prior periods)

Pharmacy Utilization ReportsSavings Analysis for plan changes

Renewal Reporting

Crowne prepares Renewal Reporting Package including Preliminary Renewal Analysis w/Funding Options

Symetra prepares renewal proposalCrowne delivers renewal to agentCrowne negotiates a satisfactory renewal with

Symetra Crowne prepares all actuarial data and coordinates

actuarial certification (as needed for public entities)

Renewal

The city was informed of a $800K claim liability from an extended, inpatient stay that had not been reported in their High Cost Claims reports due to carrier/hospital claim filing procedures (inpatient claims only filed upon discharge)

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

Crowne intervened on behalf of agent and client to perform claim audit By contract, Symetra had no liability to pay claim Crowne leveraged its negotiating power with Symetra to have claim

adjudicated and paid according standard contract language After adjustments, the City saved $400K in claims payments

Case Study #1: Central FL City

This public entity was looking at two very high double-digit rate increases when Crowne was brought in to propose on stop loss

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

Crowne was also instrumental in performing claims audits which brought changes in medical providers that yielded over $180K in medication savings annually

Case Study #2: Local municipality

This public entity had incurred a large claim by way of a catastrophic accident which left a member a quadriplegic

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

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

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

Clients We Serve

ReferencesScott HuffThe Huff Group(321) 242-2192

Mark BaileyThe Bailey Group(904) 461-1800

Sol SchickSchick and Associates(321) 952-3421

Daryl McLainMcLain, Pierce & Assoc.(407) 323-8142

A commitment to partnering with independent agents statewide

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

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

Highly favorable contracts and stop loss experience Fast, accurate specific claims reimbursement typically within

5 days of claim adjudication

Why Choose Symetra & Crowne?

Contacts Scott Chapman Account Executive

Roxane Kimble Account Manager

schapman@crowneinc.com rkimble@crowneinc.com

407-579-1311 (mobile) 407-654-5414 x 104

1552 Boren Dr. Suite 100 Ocoee, FL 34734

1552 Boren Dr. Suite 100 Ocoee, FL 34734