4/21/2009 Slide 1

Colonial Goes To Market…

A Presentation by Winnie Lamb’s District

4/21/20094/21/2009 Slide 2

Colonial Difference

How To Differentiate & Distinguish Colonial Life In The Market

4/21/2009 Slide 3

1. National Recognized Industry Leader

2. Single Source Provider

Benefit Counselors

Enrollment Services

Product Underwriter

3. Commitment To Service

4. Enrollment Expertise

5. Extensive Product Portfolio

Why Colonial Life?

4/21/2009 Slide 4

Best Enrollment Company

Easiest To Do Business With

Best Supplemental Medical Plan

Honorable Mention: Most Promising New Product

National Recognition 20062006 Benefits Selling

Readers’ Choice Awards

4/21/2009 Slide 5

Best Critical Illness Plan

Most Innovative Carrier

Best Back-office Support

Best Broker Communication

Best Whole Life Insurance Product

2007 Benefits Selling Readers’ Choice Awards

National Recognition 2007

4/21/2009 Slide 6

Six Is A Perfect Number!

Best Disability Product

Most Innovative Carrier

At The Forefront Of The Consumer-driven Health Market

Most Broker-friendly Carrier

Best Voluntary Life Insurance Product

Honorable Mention: Best Enrollment Company

National Recognition 20082008 Benefits Selling

Readers’ Choice Awards

4/21/2009 Slide 7

Benefits Counseling

EnrollmentOptions

InsuranceProducts

We Believe You Should Not Have To Work With Two Or More Different Companies To Offer Voluntary Benefits.

Single Source

4/21/2009

Commitment To Service

Slide 8

• 60,000+ Employer Customers And 2.8+ Million In-force Policies

• Robust, Efficient Service Capabilities: Call Centers, E-services, Proactive Claims Calls, Unique Data Services

• Satisfied Customers –14 Quarters In A Row4

4 Independent LIMRA customer satisfaction surveys, 2008

4/21/2009 Slide 9

Cutting Edge Enrollment Capabilities

• Over 4,000 Benefit Counselors Nationally

• Over 31,000 Accounts Nationally

• Over 550 Accounts Over 1,000 Employees

• Any Where, Any Time Capabilities

4/21/2009 Slide 10

Colonial believes all working Americans deserve to understand and appreciate the benefits available to them through the workplace. By doing so, we enable businesses to build a more loyal and satisfied workplace and, ultimately, a stronger business.

Benefit Counselors To Working Americans

4/21/2009 Slide 11

• Group Meetings

• One-on-one Benefit Counseling

• Personal Salary Illustrations

• Benefits Statements

• Election Forms

Benefit Communication

“Only 22% of employees at

companies that poorly

communicate the value of rich

benefit programs are satisfied

with the package, while 75%

of those with effective

communication of less rich

programs are happy

with their benefits.”

Reprinted with permission from WorkUSA®

2004/2005: Effective Employees Drive Financial Results ©

2005 Watson Wyatt Worldwide. For more information, visit

www.watsonwyatt.com

4/21/2009 Slide 12

• Anytime, Anywhere Enrollment Options

• One-on-one Enrollment And Benefits Counseling

• One-on-one Call Center Option

• One-on-one Co-browsing Option

• Powered By The Harmony® System: Easy-to-use Web-based Technology

Internal Cutting Edge Enrollment CapabilitiesHarmony Enrollment System

4/21/2009 Slide 13

Harmony Video

4/21/2009 Slide 14

With Simplified Underwriting

Disability Insurance

Specified Disease

Insurance

Life Insurance Accident Insurance

Supplemental Health

Insurance

Limited Benefit

Medical Plan

Extensive Portfolio Of Products

Products have exclusions and limitations that may affect benefits payable. Products and rates may vary by state and may not be available in all states. See a Colonial Life benefits representative for complete details.

4/21/2009 Slide 15

Colonial Life products are underwritten by Colonial Life & AccidentInsurance Company, for which Colonial Life is the marketing brand.

©2009 Winnie Lamb, District Manager Colonial Life & Accident Insurance Company.

Colonial LifeWinnie Lamb, District Manager

914 Dallas Street, Suite 1103Houston, Texas 77002

888.302.3544