The New RSL SmartChoice® Online Quoting Engine

[Pages:2]The New RSL SmartChoice? Online Quoting Engine:

Your desktop superhighway to small groups and big revenue opportunity

According to the US Census Bureau (2008), there are 5.3 million employers with 19 or fewer employees. That adds up to 21.5 million employees earning almost $750 billion annually. And how many of them have an insurance vehicle to protect that income through their employer? So few it would make you cry.

Why? No one takes the time to approach these prospects and they remain underserved.

For more than a decade RSL SmartChoice has been the answer to high quality, a ordable and, most important, EASY access to disability, life, dental and vision benefits for these crucial businesses and the employees who make them work. And with our new, improved online quoting engine it's easier than ever before to harness the stable, recurring revenue of small group benefits.

About SmartChoice

RSL SmartChoice is available to groups with 2 to 19 lives, unless otherwise specified, and is ideal for the under-10 life group. We o er comprehensive, flexible plan designs, which can be also o ered as stand-alone products. Products include STD, LTD, Life/AD&D and Dental/Eye Care:

RSL SmartChoice STD

u Weekly Maximum Benefit of $1,500

u Benefit options o ered include 50%, 60%, 66-2/3%, 70% or flat amount of coverage for all

u Pre-existing Condition Benefit

RSL SmartChoice LTD

u $7,500 Monthly Maximum Benefit u Benefit percentage of 60% u 60, 90 and 180 day Elimination

Periods u "Own Occupation" Definition

of Disability--36 months u Pre-existing Condition Benefit

(30% to $3,750 up to 12 months) u Rehabilitation and Survivor Benefits

RSL SmartChoice Life/AD&D

u Guaranteed Issue of $50,000 for Groups of 2 to 5 Lives

u Guaranteed Issue of up to $75,000 for Groups of 6 to 9 Lives

u Guaranteed Issue of up to $100,000 for Groups of 10 to 19 Lives

u Maximum Benefit of $200,000 u All plans o er an equal amount

of Life/AD&D

RSL SmartChoice Dental/Eye Care

u 3 comprehensive dental plans

u PPO dental option u Adult and child

orthodontia option u Eye care option

Key features include:

u Husband/wife and 100% family related groups are OK u 100% employer or employee paid at the same rates u Class carve outs on all products u No age limitations u Home based businesses on an exception basis

u No minimum premium requirements u All products sold on a stand alone basis u No employee applications required (list enrollment) u All products are guaranteed issue u Part time (above 20 hours) employees OK, up to 25% of all insureds



Fast, intuitive access to your small group book of business

With your login and password to , you already have access to the new SmartChoice quoting portal. Just log in, and click your TOOLBOX in the top right corner of the page. Click SmartChoice and you can... u Create a new SmartChoice quote/proposal u Review and edit saved proposals u Submit sold proposals through your local Reliance

Standard sales o ce u Review status of any proposal year-to-date The new portal features fresh, intuitive design and navigation that works in all today's popular web browsers. If you ever used our legacy proposal generator you'll be amazed at the speed and ease of this one. Need more information? See your Reliance Standard sales representative or account manager. Need a login and password? Go to and click NEW USER in the top navigation bar.

This brochure is intended for use by agents and brokers only and is not intended for distribution to the general public. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home O ce: New York, NY. Product availability and features may vary by state.



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