Many companies offer supplemental insurance, but only Colonial Supplemental Insurance, also known as Colonial Life & Accident Insurance, provides you and your groups with the Colonial Advantage.

The Colonial Advantage is much more than a menu of supplemental insurance products. It is an entire package of employee benefits communication and administration - tailored to meet your group's specific business needs.

Colonial excels in communicating with your group and enrolling each employee with the benefits that match them best, but Colonial doesn't stop there. They deliver easy, responsive and consistent service. Colonial's broad portfolio of supplemental insurance products is designed to help meet the diverse needs and changing lifestyles of your group's employees today.

Colonial has been a market leader in payroll-deducted, supplemental insurance for more than 45 years. Currently, they support more than 45,000 businesses, organizations and associations, with more than two million policies in force nationwide. Colonial consistently demonstrates financial strength and receive strong financial ratings from leading industry analysts.

The Advantage of Choice

One of the most valuable offers an employer can provide to employees is choice: the ability to select the benefits that best meet their individual needs, at this particular point in their lives. To help prepare employees "for what happens next," Colonial's products focus on three areas of protection:

• Disability - because a disability can result in the loss of someone's most important financial asset: their income;
• Life - because life insurance is important to the financial well-being of a family; and
• Supplemental Health - because medical insurance may not cover all out-of-pocket expenses from an accident or illness.

A Broad Product Portfolio

Colonial offers one of the industry's most comprehensive portfolios of supplemental insurance, allowing your groups to enrich their employee benefits program by adding valuable choice. Colonial's products are designed to complement the benefits offered and provide a cost-effective way to help employers expand their benefits programs.

In addition, all plans are available through the convenience of payroll deduction, and many can be purchased through a flexible benefits plan, so employees may purchase them with pretax dollars. Many of the plans are also portable and provide a variety of options to meet employee's individual needs.

Disability Insurance - provides income to help offset the financial losses that result when employees are unable to work due to injury or illness; available through a variety of short- and long-term disability plans.

Life Insurance - helps provide financial security for family members. Colonial's term, universal and whole life plans allow employees to tailor their protection to help meet their individual needs.

Accident Insurance - helps offset direct and indirect expenses resulting from an accident such as copayments, deductibles and other costs not covered by traditional health plans.

Cancer and Critical Illness Insurance - help pay the direct and indirect costs of cancer and other critical illnesses such as heart attacks and strokes. These plans offer screening benefits that encourage regular health exams.

Supplemental Health Insurance - provides hospital confinement with outpatient surgery coverage to help offset copayments and deductibles not covered by most major medical plans.

Quality Communications and Enrollment

Quality communication is essential in helping employees understand their benefits program and the investments your employers make. Colonial's flexible, state-of-the-art communications and enrollment options can help you with what is traditionally a time-consuming and complicated process.

• Multi-location benefits enrollments with professional, trained enrollers
• Group and individual enrollment meetings, with benefit statements and confidential personal salary illustrations
• Convenient, electronic enrollment services, including laptop, voice response, web-based communications and core enrollment capabilities
• Proven communications materials, including some Spanish literature

With the combination of experienced and trained professionals, interactive computer technology, and quality communications materials, your groups can count on benefits communications that are concise, consistent, and easy to understand. Colonial can provide this support for your groups' entire benefits packages, customized to suit their individual business needs.

Responsive, Personal Service

Colonial customers can expect high-levels of service and support long after the sale, to help employees prepare for what happens next. If a member of your group has a claim or service question, need to adjust coverage, or simply need information, Colonial's dedicated account and customer service teams will provide personal, professional and knowledgeable service.

Colonial makes it easy for you and your clients to do business with them by striving to fit employer business needs with a growing number of service options, many of which are web-based. Colonial's simplified point-of-sale underwriting, easy billing systems, and quick claims processing provide your groups with prompt, flexible and efficient support - ensuring the success of their benefits program.

Colonial also sets aggressive service standards, focused on goals such as quickly and accurately answering customer service requests, processing billing changes, and handling claims. Colonial constantly raises the bar on service standards in their ongoing efforts to provide your groups with easier, faster, and more customer-friendly service.

It's all there for you in one neat package: excellent in communications, enrollment, service, and product offerings. When you are searching for excellent benefits solutions, don't settle: Chose Colonial Supplemental Insurance & get the Colonial Advantage!

Information on Colonial Supplemental Insurance is available by calling Claremont Insurance Services at 800.696.4543 or via email at info@claremontcompanies.com.