• Partnerships that date back to 1951• 100% fully organized insurance company • Committed to the Labor Movement in both

word and deed• Activism and Financial support• The largest provider of supplemental Union

insurance in the World

AIL and the Labor MovementAIL and the Labor Movement

Labor Advisory Board

Union Leaders

1. Advise on the type of supplemental benefits Union members need

2. Direct a portion of our profit back into Labor and Labor-related causes

3. At the local level we have an agency structure

No voice in determining their wages, hours or working conditions.

1.Poor working conditions

Joined together as a collective force in pursuit of common objectives for working people.

First nationwide labor organizations were developed during the mid 1800’s

Labor Movement is Very InterconnectedLabor Movement is Very Interconnected

• International and National Level• AFL-CIO or CLC Infrastructure• Politically• Collective Bargaining• Social Causes• Human Rights• Environmentally

• Maintain and develop relationships and partnerships

• Generating Leads – Through the AIL Program

The Role of Public Relations ContinuedThe Role of Public Relations Continued

The AIL The AIL ProgramProgram

$2,000 Accidental Death & Dismemberment Benefit at

NO COST.

ACCIDENTAL DEATH & DISMEMBERMENT POLICYACCIDENTAL DEATH & DISMEMBERMENT POLICY

2004 Highlights

* $1.5 Million paid to Union Families

Discount Plans

* Unlimited Use for Entire Family

* Providers vary by/Province State

Vision / Eye Care

Prescription Drugs

Hearing

Chiropractic

Health Services Discount PlanHealth Services Discount Plan

2004 Highlights

* Approx $1.5 Million saved on Prescription Medications

How Do We Implementthe Benefit Program…

1. We send a letter to each member

2. On the Union’s letterhead

3. No Cost to the Union for the mailing

4. Letters are printed in a union print shop

* Postage Paid Response Card is enclosed with each Letter including an Internet address option to complete the card online

* All Members are covered by the AD&D Master Policy which the Union holds

* Members who return their Response Card will be contacted by our Representatives

• NO COST to the Local or the Member

• AIL respects the Confidentiality of Membership mailing lists and do not require a copy

• 20 – 35% of Members return the Response card

• One out of three will purchase additional benefits

When one of our Representatives

contacts a Member

Direct Mail Piece Ultimately Generates Lead…

* Deliver their Individual Certificate of Coverage and have them designate their Beneficiary

* Clearly explain the affordable supplemental programs and answer all questions

* Present the Health Services Discount Plan or Vision Discount

Read Off Read Off LetterLetter

* Final Expense Plan

* Pay Check Protector, which acts as a readjustment benefit

* Cancer Benefit

* AD&D and Emergency Hospital Intensive Care Program

Supplemental BenefitsSupplemental Benefits

2004 Highlights* $50 Million of claims paid to

Working Families through their benefits with AIL & NILICO

* 1.1 Million in 1.1 Million in premium for policy premium for policy holders waived in holders waived in the last 2 yearsthe last 2 years

* No payback No payback requiredrequired

TERMINAL ILLNESS LIVING BENEFIT

 PROVIDES 50% OF THE POLICY COVERAGE AMOUNT UPON DIAGNOSIS OF A TERMINAL ILLNESS. (Life Expectancy less than 12 months)

AVAILABLE AT NO COST FOR POLICY HOLDERS.

Eliminates Confusion over:

• Funeral Arrangements• Insurance Papers• Estate Information• Taxes

FAMILY FAMILY INFORMATION INFORMATION

GUIDEGUIDE

Child Safe KitChild Safe Kit

Endorsed by the International Union of Police Associations

and the AFL-CIO

Helping working people protect what they value the most, their

families!

How Do We Do It?

One Can Of Food at One Can Of Food at a Time!a Time!

FOOD BANKFOOD BANK

Helping Helping SecureSecure

the the

Future Future of of

Working Working FamiliesFamilies

With…With…

AffordableAffordable

PermanentPermanent

PortablePortable

Supplemental BenefitsSupplemental Benefits