Benefit Solutions Outsourcing

Flexible partnership options for today’s financial professionals.

Our Job is to Make Yours EasierInsurance providers and human resource managers know employees are a company’s greatest asset. In order to protect and retain them, they need a comprehensive benefit package that is easy to understand and painless to implement. Employers and their HR managers face many challenges in structuring health benefit plans – assessing options, carrier communications, employee presentations, administration, enrollment and renewals. That’s why they rely on you, as a trusted advisor, to provide them with the latest options and solutions to fit their needs. And in order to help you provide these solutions, KAFL introduces our Benefit Solutions Outsourcing team – specifically dedicated to give your clients our combined personalized support as benefit experts.KAFL will help you support your efforts in a way that will strengthen your current customer partnerships while freeing up time to nurture new ones. From your first experience with KAFL you’ll feel confident that we’re large enough to handle all your needs, but small enough that you’ll retain our undivided attention.

We offer 3 levels of partnership agreements to suit your needs:

BSO75: we handle the majority of the work to free you up for new business developmentBSO50: an equal partnership for a successful solutionBSO25: we handle pre-defined tasks in an assistance role as needed

With the BSO75 partnership, KAFL is available to do 75% of the steps in the process for you. We can act as an extension of your company, supporting the personal relationships you have with your clients on your behalf. Communication is a key factor in providing the right solution – with the client and the carriers – and having direct access to both leads to a seamless communication loop.

REASONS FOR BSO75:

• You’re an established agency writing other lines of coverage and want to introduce benefits• You’re just starting up and need to focus on growth – not get bogged down by the process • You need to offer benefits as a defensive strategy to keep the competition away• You tried to implement benefits in the past, but it was too daunting or a bad experience

*New tools are available to assist with your marketing efforts.

KAFL 75% Role Partner 25% Role

• Available to handle initial fact finding • Market this new service to their clients*

• Assess client needs and options • Forward those interested to our office

• Research and present options • Assist in maintaining the relationship long term

• Handle sales process • Get involved in resolving “escalated” issues

• Handle entire enrollment process

• Assist with the completion of all paperwork

• Work with carrier to handle set up

• Act as first contact for ongoing service issues

• Work on renewals as they come up

• Work directly with client to add / change coverage

• Discuss additional opportunities with client

• Keep partner informed of account status

BSO75

The BSO50 level is a true partnership that relies on both parties being equally involved and responsible for the overall success of the outcome and relationship. Success at this level hinges on a clear understanding of everyone’s roles and expectations and open communication at all times.

REASONS FOR BSO50:

• You have a good understanding of employee benefits and have the time to help the process• You value the services to increase revenue from existing relationships with new offerings• You see the benefits of it as a way to keep competition away from clients• You’re flexible in the level of responsibility from case-to-case to ensure the best outcome

*New tools are available to assist with your marketing efforts.

KAFL 50% Role Partner 50% Role

Market benefit service to clients*

Fact find data

Assess client needs Assess client needs

Research and organize solutions

Present solutions to group Present solutions to group

Enrollment Enrollment

Complete paperwork Complete paperwork

Organize and research renewal Present renewal to group

Discuss additional opportunities Discuss additional opportunities

Contact for ongoing service issues Contact for ongoing service issues

BSO50

The BSO25 level is an option for agencies that have a good handle on their offerings, but want assistance to fill some gaps in the products they offer or take on a specific aspect of the process. The partner will take the lead on the majority of the client interactions. A clear understanding and outline of the role KAFL will play at this level is important.

REASONS FOR BSO25:

• You have a large book of medical business and want to use KAFL’s resources to begin to write life, disability and dental with your clients

• You have access to most carriers, but need to use KAFL to handle a carrier or product that is difficult to acquire

• You have a great sales force that is well versed in benefits, but can’t handle the processing of the business or want to free them up from administrative tasks

*New tools are available to assist with your marketing efforts.

KAFL 25% Role Partner 75% Role

Research and organize solutions Market benefit service to clients

Work with carrier on group set up Assess client needs and gather data

Organize and research renewals Present solutions to group

Available to assist with service issues Complete new case paperwork

Enrollment

Present renewals to group

Market new ideas to group

Assist with service issues

BSO25

800 Linden Avenue Rochester, NY 14625(585) 271-6400 Toll Free (800) 272-6488 Fax (585) 271-5050

www.kafl.com

Benefit Solutions Outsourcing

Flexible partnership options for today’s financial professionals.