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Our
Value
Proposition



At Life Benefit Solutions, we have

created a customer experience that far exceeds the offerings of many
other group benefit brokers. In a crowded market, we are not selling a
product, we are selling a customer value proposition. Our Value Proposi-
tion is designed to save you time and money by taking the workload off
of your plate, and offering you access to a knowledgable support team.

Our Value
Proposition

Give the best bang for your buck.

We haven taken the traditional Group Insurance and Group Retirement Savings
Programs offered by many brokers and financial planners, and provided a number
of enhancements that give these products a greater value to you, the business
owner, and your employees.

Ensure that you don’t get a
“renewal surprise”.

Our dedicated team will review traditional employee benefit programs, offer unique
plan design options, and ensure competitiveness of the program. With mid-year
experience updates on your premiums and claim figures, you will be aware of what
pricing changes may be coming with your renewal so you can plan your budgets
accordingly.



Interpret you claims data.

We don’t just simply accept an insurer’s renewal position. Our analysts will review
the claim patterns and complete their own independent analysis to negotiate a fair
renewal position for you. Sometimes the claims will provide valuable information
such as clues to trends that are happening in your work place.

Answer the question,
“Why isn’t my claim paid!?”

Insurers sometimes make mistakes. Our team of experts provide an objective
opinion on the Insurer’s contract interpretation, and assist your employees with
either an appeal or understanding.



Be the expert, when you’re just not
sure where to start.

You are the expert in your business, as we are in our own. Sometimes, you just need
to call someone who is experienced in dealing with the type of situation you’re
facing. Often, brokers will send you directly to the Insurer for you to navigate through
the Insurer’s systems on your own. We will assign you a Service Representative who
will navigate these systems on your behalf and present you with the final outcome.

Empower you and your staff.

Knowledge is power, and we are passionate about providing education for both
employers and employees. For us, this takes the form of day-to-day contact,
employees meetings, workshops, bulletins, and much more. We are always
searching for creative ways to get employees and employers engaged in their
benefit programs.



Provide objective independent
advice.

Remember, we work for you, not the Insurance Company.

Provide all of these services for
equal to or less than what you are
currently paying.

This is a promise we hear often in our industry, but it is completely without merit
unless a proper review of your plan is completed. Our goal is always to save you
money, and one of the ways we do that is with a thorough review process.



Now you’re probably wondering
how we deliver on all of this.

It all comes down to our team. We use a hands-on approach to ensure
that your needs are being met at every step of the way. We have the ability
to support you and your staff at every level; from complex contractual
issues, to everyday administration and claims issues. Rather than having
to rely on the Insurance carrier, or deal with it internally, we will be there to
assist you. Think of us as an extension of your Human Resource depart-
ment. Our team is your team!

Our
Unique
Team

Service Team:

Our friendly, knowledgeable Service Team has over 100 years of combined experience
A Service Team member will be assigned to each of our clients and that team member
becomes the clients’ primary contact. The Service Team member will assist with the
day to day administration, training, support, complex contractual issues, and employee
coverage and claims issues.

Life & Disability Team:

Life and disability claims always seem to come up at the most inopportune moments
and can cause a great deal of stress for employers, employees, and their families. A
Life and Disability Team member will help to alleviate that stress by assisting the
employer and the employee with the submission of Life and Disability claims. They will
become the clients’ representative when submitting the application to the insurance
carrier. They will work directly with the clients’ physician to ensure that all information is
submitted in a correct and timely manner. They will also assist the employee with follow
ups and ongoing updates.



Administration Support Team:

Our Administration Support Team is here to support you and your employees. These team
members are responsible for assisting the employer with technical contractual issues,
along with providing complex administration support. They will also assist employees with
Extended Health Care and dental claim issues. Think of the Administration Support Team
as an extension of your Human Resource Department. They will answer employee
inquiries, interpret contractual provisions, and work with your Service Representative to
provide ongoing support.

Retirement Specialist Team:

When was the last time you reviewed your retirement program? Our specialists feel it is
important that you are getting exceptional value for the investment in your employee’s
retirement future. A Retirement Specialist will assist employees with investment decisions,
provide tools and models to ensure they stay on track to meet their retirement objectives,
and assist them during the transition into retirement. This is delivered through employee
education sessions and one-on-one client meetings.



Here at Life Benefit Solutions,

we are 100% committed to customer service regardless of how near, or
far away you may be. We are here to help, and our team is looking
forward to working with you and creating the best group benefits
experience possible.

Our The Idea
Unique Exchange
Ability
The The Benefit
Knowledge Solution

Box The
Implementation
Our
Unique Process
Ability

The Annual
Review

The Service The
Network Education

Box

We are a Group Insurance and Pension
broker operating across Canada.

We strive to give you a competitive product along with superior service.
As a broker, it means that we have access to any insurer and we can shop the market to
endure you are getting the most competitve product at the best price.

Customer service is very important to us. We have a team of experts accessible to your
employees and your key personnel which will allow you to get independent well rounded
advice. Based on your needs as an organization, you will never be far from an answer. We
have a vast amount of expertise in providing Group Insurance and Retirement Plans across
Canada.

Life Inc's’ unique ability to assess your group and provide the services you need is built upon
creativity, leadership, and a strong relationship between us and our clients.



Our team of experts
will assist with:

Plan administrator enrolments, terminations, changes, inquiries,
employee claim issues, and general support
Negotiating rate changes on your behalf at your annual renewal date
Conducting market surveys as required