EXECUTIVE BENEFITS

For example, most companies’ long term disability (LTD) plans are designed to provide replacement income for the “average” employee but don’t provide enough for the senior executives, who can suffer disastrous drops in income if they become disabled. The most cost-effective answer is often maintaining the original LTD plan and offering additional, supplemental coverage for these highly-compensated employees.Lenox Advisors’ team of professionals helps corporate clients make informed decisions about the best choices for their companies, including voluntary insurance carve-out programs. Whether it’s Disability Income, Life or Long Term Care Insurance, Lenox also provides a full range of support services for corporate clients:• Coordinating and managing relationships with

carriers and vendors• Planning and executing employee communications• One-on-one and online educational and application

services.Lenox Advisors’ national presence makes it possible to articulate a company’s carve-out benefit plans on a

face-to-face basis. Each executive is properly educated on the new policies being offered, so the new coverage is tailored to meet their individual needs and goals.To Lenox, Disability Income, Life and Long Term Care Insurance may be some of the most overlooked opportunities for executives because they are often the weak links in their otherwise growth-oriented financial plans. Integrating this kind of protection into financial planning is what we do and why we believe in these policies.In fact, the value proposition isn’t entirely the product but more so the approach and services surrounding it. It’s the difference between taking the time to work individually with each executive – mapping out individual packages – rather than doing a “data dump” of materials and brochures that may never be read. Employees appreciate the individual attention to their questions rather than having to review reams of documents looking for answers.And as the executives save time and effort while gaining new insights through our personal visits, this infrastructure relieves many administrative burdens from clients’ Human Resources departments.

Few people worry that corporate executives and other highly-compensated employees are victims of discrimination. Yet, many such executives are discriminated against every day through their employers’ benefit programs. The issue is one of degree.

Our client list is diverse, across a variety of industries such as financial services, real estate management, utilities and professional services. These clients include:

• Jefferies Group Investment bank• ING Financial institution• Silver Point Capital Hedge fund firm• Day Pitney, LLP Law firm• Nielsen Marketing and media information company

VOLUNTARY EXECUTIVE CARVE-OUT PROGRAMS

Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services through MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. CRN201008 – 108767 © 2012 Lenox Advisors, Inc. All rights reserved.

Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.com