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1 New Denali Agent Welcome Kit -- Welcome to our growing family of agents who are helping small employers, individuals and seniors get the same or better benefits as Fortune 500 companies. Since 2001, our fun, high-energy team has helped over 10,000 agents insure over 100,000 Americans with our Can t Get Them Anywhere But Here products that sell themselves. Great products, responsive service, "People Who Care Like You Care" and a simple process that s the Direct Benefits Advantage. Start Selling Denali Dental and Vision NOW! Your dedicated link was previously sent in the confirmation the day you completed your appointment. o Have you tested your link? o If you did not receive your confirmation or link please check your spam or junk folders or contact us for sales support. o Your dedicated link is your quoting and enrollment tool for the individual plans. Most importantly, you will be credited and paid commissions on every sale when you use your link! Check out our Business Building Tools Page at: Download all the product information, the new agent information packet, brochures, contests, group quote calculators and important selling tools Market to your individual and family clients. Embed your dedicated agent link in our product logos or website tile ads. Customize our marketing tools to get Denali Dental and Vision in front of your clients via your signature line, your website, templates or printable flyers. Market to employers 2+. See how easy it is to run a group quote for Denali on our website. Just go to No login or password required! Agent Concierge Aimee Bortnem (800) ext. 417 Aimee@DirectBenefits.com

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3 DirectBenefits STAFF DIRECTORY AGENT SALES Eastern Sales Executive Diane Lysen Benefits Fairy Godmother ext. 246 Eastern Sales Support John Unruh Benefits Cowboy ext. 256 Northwest Sales Executive Katie Quinn Benefits Super Hero ext. 247 Northwest Sales Support Maca Barnes Benefits Matador ext. 407 Central Sales Executive Kristine Bausch Benefits Top Gun ext. 404 Central Sales Support Jonathan Jakubas Benefits Unicorn ext. 418 Northeast Sales Executive Lisa Talcott Benefits Coach ext. 255 Northeast Sales Support Bill Thoreson Benefits Thor ext. 419 Sales Support Kelsey Stilwell Benefits Genie ext. 403 Sales Support Brent Langdon Benefits Quarterback ext. 412 Agent Concierge Aimee Bortnem Benefits Psychic ext. 417 (800) I 55 E. 5th St. Saint Paul MN I

4 Enrollment made easv. y DENALI DENTAL & VISION MAKES IT QUICK AND EASY TO ENROLL YOUR CLIENTS IN THE DENTAL PLAN OF THEIR CHOICE. When enrolling a client make sure you use your dedicated link. If you are using your dedicated link you should see your name and phone number at the top of the quote page (after you enter in the quote information). Below is a Step-By-Step process of an enrollment. 1 Enter your client s date of birth and ZIP code. Select the coverage needed (Applicant, Applicant + One, Applicant + Family, or Child Only). Select Effective Date. - Enroll by 5pm (Central) on the 25th for an effective date of the 1st. - Enroll by 5pm (Central) on the 4th for an effective date of the 15th. Then select NEXT. Your information as the agent will appear in this bar. This ensures that you will get credit for the enrollment. 2 View available plans and select an option. Plans vary by state and only available plans for the ZIP code entered will be displayed. Once a plan is chosen, click ENROLL NOW. After you click ENROLL NOW, a box will pop up and you will be given the choice to add the optional vision plan for your client.

5 3 Enter personal information for your client. If you added a spouse or dependent in Step 1, fill in their information in the Spouse or Domestic Partner box. If dependents, click ADD DEPENDENT and enter their personal information. If the member does not have an address, use your address, you will get the confirmation and can print for your client. Click SAVE AND ENTER PAYMENT INFO. 4 5 Choose billing option and enter your client s payment information. Read Authorization Agreement, Limits and Exclusions and Fraud Notices. 6 7 Click to agree to the Authorization Agreement and Important Fraud Notices. Click SUBMIT. CONGRATULATIONS! Your client and you will get an confirmation of the enrollment. Policy documents will be fulfilled electronically only. To review your policy documents, go to: and register an account. For billing and customer service questions, contact: Morgan-White (administrator for Benefits Association, Inc.) Phone: individualchanges@morganwhite.com Fax:

6 Group Quoting Made Easy DIRECT BENEFITS MAKES IT QUICK AND EASY TO QUOTE YOUR GROUP CLIENTS 1 Go to 2 Click on "Group Quote Calculators" 3 Select Plan 4 Enter your agency information 5 Enter your group information

7 Group Quoting Made Easy 6 Select plan design features you would like to see on the Dental coverage. 7 Select Vision Coverage if available 8 Click "Submit"! That's it! You will see rates immediately and will be able to download the proposal or it at the top of the page. If you have any questions just contact your sales team for answers at (800) Happy Selling!

8 Discover the dental insurance plan that helps you REACH NEW HEIGHTS. Dental solutions for individuals, families and seniors Denali dental plans feature: ü The ability to choose your own dentist ü No waiting periods ü Three cleanings per calendar year ü Options for $1,500, $2,500 and $3,500 calendar year maximums ü Coverage for adult & child orthodontia and implants Questions? Our dedicated agents are ready to help. Group association dental insurance under the Denali Dental plan is underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and in New York by Renaissance Health Insurance Company of New York, New York, NY. Renaissance has an A- rating by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. With more than 55 years of experience in dental claims processing within the Renaissance Family of Companies, Renaissance Dental is a leader in the dental insurance industry providing coverage for more than 12.1 million people, paying out nearly $3 billion for dental care annually.* There is no ownership affiliation between Renaissance and Direct Benefits for Denali Dental. *Renaissance internal data, 2013.

9 FOR ONCE, SEEING DOUBLE IS A GOOD THING. Here are the SEEING DOUBLE REWARD BONUS levels: $100 BONUS for combo dental/vision groups between 2-4 lives enrolled $250 BONUS for combo dental/vision groups between 5-9 lives enrolled $500 BONUS for combo dental/vision groups 10+ lives enrolled $1000 BONUS for combo dental/vision groups 50+ lives enrolled For new groups written with effective dates between and Denali Dental & Vision plans are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and in New York by Renaissance Health Insurance Company of New York, New York, NY. Both companies can be reached at PO Box 1596, Indianapolis, IN Products and services referred to are not available in all states and jurisdictions. There is no ownership affiliation between Renaissance and Direct Benefits for Denali Dental & Vision. In certain states, vision coverage may be underwritten by Vision Service Plan Insurance Company or VSP Vision Care, Inc. Both companies can be reached at 3333 Quality Drive, Rancho Cordova, CA *Disclaimer: All bonuses will be paid out with a pre-paid gift card. For agent use only. Not for use with the public. 55 E. 5th Street Suite 500 Saint Paul, MN Toll Free: (800) Web: proposals@directbenefits.com

10 Why Should You Choose a Renaissance Network Dental Plan? In addition to paying lower monthly premiums, the Renaissance network can help reduce your out-of-pocket costs. Network dentists have agreed to accept a set contracted amount for each service rendered as the basis for payment under the Denali Dental Plan. This amount is typically significantly less than the amount which could be charged by an out-of-network dentist. These network dentists are prohibited (by contract with the network) from charging you the difference between their typical fee and the amount negotiated with the network. Dentists not participating in the network are not subject to the negotiated amounts and are permitted to charge any fee for services they provide. This may lead to greater out-of-pocket costs for you and your family members. The sample comparison chart below will give you an idea of how you can save money by selecting one of Denali Dental s network plans and visiting an in-network dentist for services. It compares the charges between visiting in-network and out-of-network dentists. Network Savings Example Your Dentist says you need a Crown, a Major Service Network Fee: $ Reasonable & Customary Fee: $ Dentist s Usual Fee: $ RENAISSANCE NETWORK PLAN When you receive care from a participating network dentist INDEMNITY PLAN When you receive care from a dentist of your choice Dentist s Usual Fee is: $ Dentist s Usual Fee is: $ The Network Reduced Fee is: $ Reasonable & Customary Fee is: $ Your Plan Pays: Your Plan Pays: 50% x $685 Network Fee - $ % x $750 R&C or Network Fee - $ Your Out-of-Pocket Cost: $ Your Out-of-Pocket Cost: $ In this example, you save $ ($ minus $342.50) by using a participating network dentist. Savings from enrolling in the Renaissance plan depend on various factors, including how often participants visit the dentist and the cost for services rendered. Please note: These examples assume that your deductible has been met. Underwritten by: Marketed by: Plan Coordinator: Direct Benefits, Inc. 55 E 5th Street, Suite 500 Saint Paul, MN

11 Frequently Asked Questions for Denali Individual Dental Insurance Plan administrated by: Morgan-White (administrator for Benefits Association, Inc.) When will I receive my ID card? You will be ed a link to your individual enrollment package upon completion of enrollment and payment processing. The enrollment package will include your Certificate of Coverage and I.D. cards. *Agent Portal* Agents can register for their portal online at: brokers.mwadmin.com Once in their portal, agents can pull their commission statement to see who the coverage commission is for and the breakout of payment(s). *Client Portal* Gives clients the access to: Update phone # s, change mailing address, add or delete dependents, review products, add or edit payments, and review payment history. The URL for the secure Client Website is: *ID Card requests:* This link will allow agents or clients to pull their documents themselves, if they wish. When will my premium be deducted? Your checking account/ credit card will be drafted on the 18 of the month. What is my policy number? Your policy number can be found on your I.D. card and varies depending on your plan choice. How can I locate in-network providers? In-network providers can be found by visiting and clicking on Find a Dentist at the top of the page. Who do I contact for billing questions? Morgan-White (administrator for Benefits Association, Inc.) Phone: individualchanges@morganwhite.com Fax: Who do I contact for claims and customer service questions? Morgan-White (administrator for Benefits Association, Inc.) Phone Where should claim forms & requests for a predetermination of benefits be sent? PO Box 17250, Indianapolis, IN th

12 Frequently Asked Questions for Denali Group Dental Insurance Plan administrated by: Renaissance Dental When will I receive my ID card? The group contact and the agent will be ed a link to receive the ID cards and the certificates upon completion of enrollment and payment process. How can I locate in-network providers? In-network providers can be found by visiting and clicking on Find a Dentist at the top of the page. Who do I contact for billing questions? Renaissance Phone Who do I contact for claims and customer service questions? Renaissance Phone Where should claim forms and requests for a predetermination of benefits be sent? PO Box 17250, Indianapolis, IN Where should Changes, Terms and Adds be sent to? Send all applications or s to renadmin@renaissancefamily.com For Agents: Do you have questions on your commissions? Contact Jessie Redmond at jredmond@renaissancefamily.com

13 IS YOUR AGENCY READY FOR THE D I G I TA L A G E? Benefitstore.net works specifically with insurance professionals to help them build or redesign their websites and social media presences quickly and efficiently. We have a special alliance with Direct Benefits, that offers their brokers discounts on our services. Please contact us today for a free consultation on how we can help your insurance agency with technology. Agency Website Design Package Social Media Management *Month by Month Contract *Month by Month Contract Normal Cost = $69.99 a month DB Discount = $49.99 a month Includes: 30 Minute Private Interview Design & Setup of New Website Future Changes to Site 20 Customizable Pages & Forms Hosting / Search Engine Optimization Setup of Facebook Agency Page Mobile Website Weekly Social Media Training Webinars *1 Week Setup Time Normal Cost = $65 a month DB Discount = $49.99 a month Includes: Setup or Tuneup of Facebook / Linkedin & Twitter Support Getting Connections We Do The Posting For You 5 Days A Week We Post Daily Educational Insurance Content *24 hour setup time The Next Step If You re Interested Go to and learn more about our services. Contact us for a free consultation, or to receive the Direct Benefits Discount Signup Code Ken French, President Ext 1 Ken@snoozzy.com

14 PRODUCT MATRIX Group Size Plans/Carriers Dental Life STD LTD Vision Other Products & Services Spirit (Ameritas) Direct Vision (Ameritas) Denali (Renaissance Life) Magnum (Chubb) Pathfinder (Delta Dental) MN, ND, NE 2+ and Individual 2+ and Individual 2+ and Individual 2+ and Individual 2+ and Individual Individual 2+ and Individual Argus Eyemed 10+ Avesis 5+ VSP 10+ Companion Life Accident & Critical Illness Careington Discount Freshbenies TeleMedicine Geoblue Travel Insurance MyBenefits Comparison (Ancillary Private Exchange) National General (Short-Term Medical) SecurusID Theft Lincoln Financial Reliance Standard Principal **Not all products available in all states. Please send quote requests to: (800) E. 5 th St. Saint Paul MN