Strategic Partnership
DIGITAL INSURANCE FINALIZES SUCCESSFUL ACQUISITION BY FIDELITY NATIONAL FINANCIAL INC. Digital Insurance, a Leader in Advisory Services and Health Care Reform Education for Small and Medium-Sized Businesses, Looks Forward to Continued Growth With the Support of New Strategic Owner January 1, 2013
Overview of Digital Insurance Founded in 2000, Digital Insurance is the nation s leading employee benefits platform, specializing in insurance distribution and benefits management for small and mid-sized businesses (SMB); Digital is now a wholly owned subsidiary of Fidelity National Financial (NYSE: FNF) DI manages over 25,000 employer clients and more than $1.5 billion in premiums INC Magazine recently announced DI made the list of Inc. 5000 fastest growing companies for the 6th year in a row Operating in all 50 states, DI is the only true national platform serving the SMB market - 350 employees; Corporate offices and service center in Atlanta, GA - 250 broker partnerships across 360 locations Accolades (6 th consecutive year) 1 of 6 insurance firms to make list One of Georgia s 40 Fastest Growing companies Best Health Care Reform Communications Platform Industry Innovator Award Health Care Reform Program 2011 Web Award for Outstanding Achievement in Website Community Service Recognition Award 3
A Marketplace in Transition Marketplace Today Employers are still managing the benefit decision process Exchanges are beginning to emerge Agencies do not currently provide support for family decisions, i.e. subsidies Fewer carriers are increasing market share The marketplace is still adjusting to MLR requirements Few agencies have developed integrated call center functionality Future Market Dynamics Employees will make independent decisions while guided by employers 2014 will likely bring multiple exchange platforms, i.e. public vs. private Agencies will need to support family level decisions, i.e. integrated technology and call center platforms New entrants will emerge, particularly with self-funded product portfolio s MLR dynamics will result in fewer brokers/more opportunity, i.e. P&C Call centers will become essential for sales and support at the employee level
Infrastructure Focus: Employee Engagement EMPLOYER DUE DILIGENCE CONTROL RESPONSIBILITY COMMUNICATION EDUCATION LONG TERM FUNDING THE TRANSITION OF ENGAGED RESPONSIBLE INFORMED EMPOWERED INVESTED DIGITAL INSURANCE ONLINE & CALL CENTER DECISION SUPPORT WELLNESS AND LIFESTYLE MANAGEMENT HEALTHCARE FINANCIAL MANAGEMENT ADVISOR MANAGER ADVOCATE HEALTH FOCUSED
Sales Desk Ready to Sell Your Leads It s easy No pre-qualification Simply submit leads via DI Link or your custom web page Lead Qualification teams for both Group and Individual referrals Marketing materials to support new sales efforts It s effective Differentiated value proposition Experienced and knowledgeable consultants Group and Individual specializations Health Plan One Medicare partner Expanded geographic reach Across your state, region and the country Take advantage of our knowledge in local markets across the country It s simple to follow and track Lead status and up-to-date tracking available at all times through DI Link
Your Client Services Team Dedicated to clients One point of contact (Enterprise) Consultants geographically focused / local Team structure / backup Ensures the phone is answered when everyday consultant is unavailable Call queue for emergent situations Incentives to perform Retention of Revenue Cross-sales Service resolution Monthly monitoring of metrics Structured and focused Service models with built-in deliverables CRM system that prompts daily activities Specialized support - allows consultants to focus on relationship building and a high-level of customer service: Market Solutions Team: Handles all marketing and proposal preparation for benefit consultants Customer Advocate Center: Claims, ID cards, eligibility, enrollment status, provider networks
Integrated Benefits A unique approach to ancillary and voluntary benefits Digital Advantage our proprietary solution Best of Breed portfolio Exclusive underwriting offers mean: Guarantee issue all products all group sizes Aggregate participation requirements Simple enrollment process no health questions Simplified billing and administrative processes Can be employer or employee funded Comprehensive Product Suite Dental / vision with illness screening benefits Accident with unique wellness benefits Critical Illness with screening benefits Limited benefit medical LTC w/life benefits Numerous term life options Legal plan benefits Identity theft Discount programs
Health Care Reform Resources
Services and Resources What services and resources are available to you now? Cost Savings Benefits evaluation and planning Administrative Support Proactive customer support Innovative Products Ask the Expert benefits resource Liability Reduction Benefits compliance review
Q & A