The Symetra & Crowne Advantage

Our Commitment to YOU!

Broker Service Capabilities

Reporting

Renewal

Case Studies

$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”

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

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

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

Our commitment is to NOT pursue any existing client for any insurance coverageswithout 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

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

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 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

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)

Preliminary Renewal Analysis w/Funding Options

Savings Analysis for Plan changes

By line of coverage and summary level

Key Indicators Report (current & prior periods)

Pharmacy Utilization Reports

Symetra prepares renewal proposal

Crowne delivers renewal to agent

Crowne negotiates a satisfactory renewal with Symetra

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 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 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

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