Case Study 1Attention to DetailInternal Review

Success Story: Attention to Detail Gallagher and The Standard Client: This was a very complicated case with An industrial company buying and operating nine different companies rolling up into manufacturing and industrial businesses the parent company. We were able to 12,000 eligible employees build the plans and rates to match for every organization and outsource leave administration on a few of the groups THE CHALLENGES as well. Due to size of the group, we were able to also introduce the Onsite • Implementation complexity resulting from four different benefits Dedicated Account Manager, which was administration platforms very helpful for all of the companies. • Issues with existing carrier • Needed help with evidence of insurability administration • Processes not streamlined THE SOLUTIONS A JOINT WIN FOR GALLAGHER • Dedicated single point of contact to deliver customized, on-site AND THE STANDARD assistance • Simplified evidence of insurability administration Great Service, Smooth Implementation • Automated portability and conversion notice to remove The broker recommended The Standard based on administrative burden our great customer service and his confidence in • Ongoing benefits administration subsidy worth approximately our team. We delivered. $400,000 annually Attention to Plan Design Details • Same carrier for all coverages We enhanced the plan design details and • Open enrollment for all employees, with underwriter involvement addressed existing gaps. Then, we spent time • Resolved imputed income tax consequence due to Voluntary Life reviewing our proposal with the client to point rates straddling IRS Table 1 out details that added value. For example, we • Removed suicide exclusion from child life insurance contract were responsive when making exemptions or contractual changes to meet the needs of the • Waiver of premium for dependent life for period of five months broker and his client. after employee passes away Responsive Support Products offered: Our tenured local support team members answered Life insurance · Short Term Disability insurance · Long Term calls and emails promptly. They went above and Disability insurance · New York Disability Benefits Law services · beyond to meet the client’s needs, including New Jersey Temporary Disability Insurance services · Family and underwriter involvement in open enrollment. Medical Leave Act services · Accident insurance · Critical Illness insurance · Hospital Indemnity insurance Standard Insurance Company | standard.com Standard Insurance Company Internal Data as of June 30, 2018. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are off ered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. SI 00000 (0/00)