HFX, Your Dedicated Partner!Benefits Are Just The Beginning!

HFX Insurance Services is licensed in CA, FL, GA, NC, NJ, PA, SC, and TX.

Proprietary and Confidential. © Copyright 2018 HFX Insurance Services. All rights reserved.HFX Insurance Services is a wholly-owned subsidiary of HFX Partners.HFXI-DP • 2.0

What Happens When Your Insurance CarrierIs Also Your Enrollment Partner?

Your Enrollments Grow Easier, Your Planning GetsSmarter, And Your Daily Activities Run More Smoothly.

Take Advantage of Single-Source SimplicityWith HFX Insurance Services!

Listen to The Word on The Street...There’s only one way to earn a good reputation in this business: Provide service so great people can’t helpbut to talk about it. We’ve done just that, and here’s what people are saying:

* Colonial Life Internal Data

Percentage of Brokers that are likely to recommend HFX Insurance Services

Why HFX Insurance Services?We’re not the risk and reward professionals that your father told you about! We’re the young guns on theblock, and we possess a rockin’ set of tools and big bag full of cutting edge insight that is all yours for thetaking. We aim to save you money in a number of ways, and help you achieve your business goals alongthe way. Our dedicated and knowledgeable Risk Management and Rewards Team will help you understandthe relationship between risks and rewards, showing you how to attain the proper balance of each, all toachieve your business goals. Our insurance and financial banking card experts partner with you to developstrategies and tactics to fit your unique business model. So let HFX Insurance Services handle the details,so you can focus on more important things - like growing your business and success!

91

Percentage of Brokers who say we’re competitively priced92

Percentage of Customers who are satisfied with our overall handling of their claim95

Percentage of Employers who intend to continue offering our products95

Our Employee Benefits SolutionAs changes to the health care system are being applied, you need to make sure you and your employeesare well informed and smartly prepared. Under the new law, employers will continue to provide healthcarebenefits, and individuals will now have requirements as well. HFX Insurance Services provides you and youremployees with the necessary tools and recommendations to understand your risks and make the mostbeneficial decisions for your business model.

Your employees will always be informed!

HFX Insurance Services will provide an expert benefits representative for youremployees, so they can reach out directly to get the answers they need.

Partnering With HFX Insurance Services

We’ll make the changes to your policy easy to understand!

Let’s keep things simple! And clear. While health carriers restructure and introducenew insurance products, it’s important that you and your employees understandthe options and how they can benefit you. Consider us an extension of your HRdepartment as we strive to help your employees realize how to use their benefits.

Hit us up with your questions and concerns!

If you, or any of your employees, end up in an unusual scenario regarding yourhealth care coverage and aren’t sure what to do, reach out and let us provide theanswers! Our 24/7 support team eagerly awaits your coverage questions and willprovide you with the answers you need.

Decision making at it’s best!

As the healthcare insurance industry continues to change, HFX Insurance Servicesis committed to helping your employees explore their available options to makeintelligent decisions in regards to their insurance benefits. Our reliable and well-informed communications team will always be there for your employees, and willcontinue to provide answers in relation to the new insurance laws and benefits.

• Education • Enrollment • Administration • Integration

Embrace an Easier EnrollmentWe enroll $10 of other carriers’ products for every $1 of our own!

Boost Participation With Our ProgramsFrom ID theft protection to AD&D coverage, our complimentary programs can help lift participation inboth core and voluntary while rounding out your clients’ benefits packages.

Reward attendance

Increase enrollment

Generate interest

Enhance coverage

* Some programs require minimal participation levels

HFX Insurance Services will provide a well defined contribution pricing structure

Shop for and compare benefits that fit your company’s business model and culture

Face Compliance Issues With Ease

Let’s keep your healthcare coverage affordable!

Section 6055/6056 ACA Reporting via IRS Forms 1094-C and 1095-C reporting requirements

Respond to any notices and alerts from the Exchange

Use the new ACA ‘pay’ or ‘pay less’ rules to determine how many full-time / part-time employeesyou have

Have peace of mind and remain compliant!

HFX Insurance Services will make sure you remain up to date on the latest insurance regulationsand guidelines

Stay informed!

We do it all!

HFX Insurance Services will give you the help you need to make sure you comply with the Affordable CareAct (ACA) mandates, and ensure you are prepared for any future changes as well.

Education, Enrollment, Administration and Integration.

And when we do, both you and your clients save money and enjoy a simpler, more streamlined enrollmentprocess. We offer 1-to-1 benefits counseling in person, over the phone and online with 6,300 nationalbenefit counselors.

Your Benefits Should be Easy to Manage!With the HFX Insurance Services’ Exchange, you can quickly and easily engage your employees, stabilizehealthcare costs, keep up to date with compliance, and grow your business with better information.

Get the most out of your investment by making sure your employees comprehend, use, andappreciate their benefits. Your business will only run more efficiently with happier and healthyemployees.

Make the investment in your employees, knowing that group buying spreads your risks and offersgreater long-term cost control.

Mitigate risks with up to date data, decision-making tools, and a risk and rewards team that iscommitted to making sure you’re well ahead of any regulatory changes.

Convert data into insights. Having the right insights gives you better options and keeps you aheadof the game. And being ahead of the game translates into having key advantages. We’ll make sureyou come out a winner!

Leverage Our Public Sector ExpertiseWe’ve carved out a niche as a public sector expert. Why? Because it’s the most challenging benefitsenvironment we could find. And we know that if our solutions work there, they’ll work for businessanywhere.

8 state governments

Proven thought leadership

Partner to professional organizations at every level of government

Simplify Your Product Offerings

Health plans may be growing more complex, but we’re making it easier to provide coverage withvoluntary benefits. Every year, we release new and updated products to keep your clients receiving thecoverage they need at prices they can afford.

Group or individual

Guaranteed issue

Rate stable

Pretax eligible

Disability Dental Life Special Risk Supplemental HealthAccident

Featured Services Include:Payroll integration

Simplifying operations

Benefits system selection & support

Claim support & resolution

Provider network assistance

Benefits enrollment system &administration

Billing & eligibility

Qualifying event processing

Open enrollment

Decision support

Call center

Employee education &communications

An Integrated Marketplace forHigh-Growth Companies

Save time and money with our innovative plans that havebeen designed specifically for high-growth companies.

Provide more choices for your employees with directaccess to premier healthcare providers and our intuitiveadvocacy programs.

Our easy-to-use tools and powerful reports allow you toautomate the admin process.

Say goodbye to the hassle of the enrollment process!

Come out a winner by staying on top of the tangledcompliance game!

Simple Benefits AdministrationAcquiring benefits for companies with 50-300 employeesis difficult and time consuming! With HFX InsuranceServices, you can choose from the industry’s mostinnovative benefits programs, and manage your entireinsurance product in one simple platform.

Premier Risk PoolsThe HFX Insurance Services’ Exchange provides a uniquepurchasing solution by grouping your business with othercompanies who share a similar demographic.

An Enhanced Employee ExperienceProvide an enhanced shopping experience for youremployees, with insightful decision support. Grant themthe option to manage their insurance benefits from anydevice, anytime and anywhere.

Let’s Keep The Conversation Rolling!Reach out to HFX Insurance Services today to discuss next steps! Call 818.259.0440 and speak with oneof our Risk and Reward team members, or visit our informative website at: www.hfxinsurance.com

37 Hendricks Isle, Fort Lauderdale, FL 33301Ph: 818.259.0440

www.hfxinsurance.com

HFX Insurance Services is licensed in CA, FL, GA, NC, NJ, PA, SC, and TX.