Let's Talk BENEFITS Employee Benefit Solutions for FEI Members

u Let's Talk BENEFITS Employee Benefit Solutions for FEI Members

A WIDE RANGE OF BENEFITS FOR A WIDE RANGE OF NEEDS As a member of Financial Executives International (FEI) you have access to an improved employee benefits program for your company that provides significant advantages for you and your employees. FEI's Employee Benefits Program offers premium savings, plan design flexibility, contract enhancements, and national account service levels. This program is offered through our partnership with Lincoln Financial and Alliant Insurance Services, the nation's largest specialty insurance brokerage firm. The FEI Employee Benefits Program is broker friendly, and partners with our member's broker to help develop a proposal that will meet the needs of their clients. Contact our FEI Employee Benefits Team at: affinity@financialexecutives.org or 1.855.899.4646.

FEI EMPLOYEE BENEFITS PROGRAM Product Offering The FEI Employee Benefits Program gives you access to employee benefits programs that are stable, secure, and flexible. Basic & Voluntary Life/AD&D Short Term Disability Dental PPO/DHMO Long Term Disability Employee Assistance Program Vision Basic Life & Disability Premium Savings * Premium discounts for FEI members vary by group size and include a three year rate guarantee. Eligible Lives Discount 25-199 eligible employees 200+ eligible employees 15% savings on renewal/current rates 10% savings on renewal/current rates PLUS 1 month Premium Holiday Dental Premium Savings * PPO Dental 5% savings on renewal/current rates *Discounts do not apply to current or recent (past 12 months) clients of Lincoln Financial and are only available to FEI members. Required items at time of Application include final census of covered employees, copy of the prior carrier policy, and confirmation of in-force rates. Discount subject to qualified entities and their companies.

PROGRAM ENHANCEMENTS Premium Holiday As a member of Financial Executives International (FEI), you have access to an improved employee benefits program including a 1 month premium holiday. Lincoln Financial is offering a one-time 1 month premium holiday* on employer paid Life and LTD premium as an implementation credit for groups with over 200 eligible lives. National Account Service Standards As an FEI member, you will receive a dedicated national accounts service team from Lincoln Financial. All Lincoln Financial products are backed by a money-back guarantee that holds standards of customer service, claims service, and overall satisfaction. The Lincoln Financial service team will be there to help when you need it. Improve Financial Confidence with Employee Benefits Benefits are meaningful sources of near- and long-term financial protection helping boost confidence, influence productivity, and lessen the impact of financial stress on the workforce. A benefits package is an effective tool employers can use to help employees manage financial concerns that affect well-being and productivity. The FEI Employee Benefits package offered at work can play an important role in employees financial strategies. This combination of benefits and services can help provide security for employees income, and less concern over finances could help put their focus back on work. *Discounts do not apply to current or recent (past 12 months) clients of Lincoln Financial and are only available to FEI members. Required items at time of Application include final census of covered employees, copy of the prior carrier policy, and confirmation of in-force rates. Discount subject to qualified entities and their companies.

TERM LIFE INSURANCE & AD&D Term life and accidental death and dismemberment insurance from Lincoln helps employees take care of their loved ones by providing benefits in the event of their death or catastrophic injury. Lincoln provides swift, responsive claims service with a goal of a claims decision within five days of receiving complete claims information. A life insurance claim can be started over the phone by the beneficiary, employer or funeral home. Our LINKS claims management process allows automatic transfer of information from a life waiver claim to the start of a death claim; no separate claim form needs to be submitted for term and supplemental life insurance. Full Benefits The Waiver of Premium option helps employees keep their life coverage if they re disabled and unable to work for more than six months in a row. Accelerated Death Benefit enables the insured to withdraw a percentage of their life insurance coverage when diagnosed as terminally ill, reducing the death benefit by the amount withdrawn. Portability lets employees keep their coverage, even if they leave their company. Conversion allows employees to convert all or part of their coverage to an individual life policy if they leave their company, without Evidence of Insurability. Flexible options Flat dollar amount or percentage of salary options Flexible Guarantee Issue amounts available, with no EOI needed to qualify Annual increases available without EOI on employee-paid plans Supplemental term plans available Optional accidental death & dismemberment (AD&D) pays a benefit if the insured dies or loses a limb, sight, speech or hearing because of a covered accident Responsive, simple and seamless service Lincoln provides swift, responsive claims service with a goal of a claims decision within five days of receiving complete claims information. A life insurance claim can be started over the phone by the beneficiary, employer or funeral home. Our LINKS claims management process allows automatic transfer of information from a life waiver claim to the start of a death claim; no separate claim form needs to be submitted for term and supplemental life insurance. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

SHORT TERM DISABILITY Our short-term disability product includes features to help employees return to work. With a variety of standard and optional benefits, our plans are available with benefit durations of 13 to 26 weeks or longer. Full Benefits Employees can earn up to 99% of pre-disability income through partial-disability employment combined with the short-term disability benefit payments for the duration of the claim. Multiple return-to-work incentives include allowing days of total or partial disability to be used to satisfy the elimination period. Vocational rehabilitation programs include personalized plans, benefits to help employers make changes to the workplace so the employee can return to work, and payment for approved services, such as vocational evaluation, training and job placement. Our standard reporting package provides key claims information 24/7 online, or by email or mail. Flexible options A choice of plan designs with generous maximums Employer- or employee-paid coverage options, including buy-up plans The Family Income Benefit provides an additional cash payment to the insured s eligible survivors, if the insured dies while receiving total disability benefits A simple claims process Many employees use more than one type of disability coverage, and a short-term disability leave may become a long-term disability and may also require a life Waiver of Premium. We proactively identify potential transitions from one coverage to another, and make the process smooth and easy to negotiate. 24-hour claim turnaround time for many common diagnoses, including delivery Seamless transition from short-term to long-term disability claim, if needed, with no paperwork During the claims process, employers and employees have online access to enrollments, claims and certificates, bill payment and claims management.

LONG TERM DISABILITY When disability keeps an employee out of work for an extended period of time, longterm disability insurance helps protect their finances and provide support as they return to the workplace. Employers can choose from a variety of plans and customize coverage with cost-containment features and other options. Full Benefits Employees can earn up to 99% of pre-disability income through partialdisability employment. Total or partial disability can satisfy the elimination period. When appropriate, vocational rehabilitation professionals create personalized programs to help claimants return to work. The Recovery Benefit provides a six-month supplemental benefit for commissioned employees, while they rebuild their commission income to predisability income. (Not available in California.) Our standard reporting package provides key claims information, accessible 24/7 through the web, email or mail. Employers and employees enjoy easy access to enrollments, claims and certificates, bill and claims management by phone, IVR, web, fax, email or mail. Flexible options A choice of plan designs with generous maximums, including the full-featured Premier plan, the flexible Advantage Plan and the cost-conscious Value plan Employer- or employee-paid coverage Optional reimbursement benefits allow employees to: o Pay towards COBRA health insurance o Add to their retirement savings even when a disability prevents them from earning an income o Protect the value of their income replacement from rising prices o Receive long-term disability coverage for a spouse A Conversion Privilege allows employees to purchase individual long-term disability coverage when they leave their job for reasons other than disability or retirement. Added value EmployeeConnect SM services provide access to counselors and other assistance for personal, legal, financial and other issues. EmployeeConnect Plus SM is an optional Employee Assistance Program, offering all the benefits of EmployeeConnect, plus many additional features.

DENTAL INSURANCE Lincoln makes it simple to create dental plans that are the right fit, supporting oral health and overall wellness. Choose from several valuable plan options offering flexible terms, a large provider network and outstanding service. More than 90% of all systemic diseases have oral signs and symptoms. Regular dental care can play a vital role to maintain overall health, which is why Lincoln offers oral cancer detection screening and additional routine cleanings. Our PPO plan has the #1 dental network by access points with over 440,000 access points and over 108,000 unique providers nationwide.* Full Benefits Services include preventive, diagnostic, periodontics, endodontics and major restorations. PPO plans include our standard PPO plan, a certified family plan and the economical maximum allowable charge (MAC) plan. Flexible options Flexible plans allow employers to choose services that will be covered and in what category of care. Cost-sharing options, such as coinsurance percentages, maximums and deductibles, including a lifetime deductible, can help keep employees' premiums and employers' costs down. Optional benefits include orthodontics and features that help employees use and extend their annual maximums. Several wellness options include additional routine cleanings and adult fluoride. Added value Discount vision services deliver savings on a variety of products and procedures. Our hearing program offers access to hearing care and hearing aids at discounted rates. Real-time, online group administration Employers benefit from online access to enrollments, claims and certificates, bill payment and claims management saving them time and money. Employees can calculate costs, find a dentist and check claims status in English or Spanish. * Source: Ignition Group s March 2017 NetMinder Report. Access points are counted by looking at each dental provider at each office location in a network.

VISION INSURANCE The Lincoln VisionConnect plan provides comprehensive insurance that helps employees protect their eyesight and potentially discover early signs of disease elsewhere. Full Benefits 100% coverage, after copay, for annual eye exams and eyeglass lenses* Generous frame allowance National Spectera eye care network of more than 72,000 provider locations Full selection of both retail and private practice providers, including more than 100 retail locations nationwide No claim forms or vouchers required for in-network care Flexible options Customizable copay amounts and frequency limits In- and out-of-network coverage Added value Discount vision services deliver savings on a variety of products and procedures. Our hearing program offers access to hearing care and hearing aids at discounted rates. Real-time, online group administration Discounts for lens upgrades and laser vision correction procedures Easy access to toll-free customer service, an online provider locater and a 24/7 interactive voice response to locate network providers Paperless plan administration (no claim forms, vouchers or ID cards needed) * Lenses covered in full include standard/basic single vision, bifocal, trifocal and lenticular lenses. The Lincoln VisionConnect program is marketed by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, this program is marketed by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Lincoln VisionConnect is a registered trademark of Lincoln National Corporation. Lincoln VisionConnect coverage is provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut; UnitedHealthcare Insurance Company of New York, located in Islandia, New York; or their affiliates. Administrative services are provided by Spectera, Inc., UnitedHealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has exclusions, limitations and terms under which the policy may be continued in-force or discontinued. For costs and complete details of the coverage, contact Lincoln VisionConnect at 1-800-440-8453. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

TERM LIFE SUPPORT SERVICES Life brings challenges. LifeKeys services deliver help. Your employees know term life insurance helps them plan for their families future and protect their loved ones from financial burdens. With Lincoln Term Life Insurance, they can also access services that meet current needs as well as future concerns. The LifeKeys program, included with all Lincoln Term Life and Accidental Death and Dismemberment Insurance policies, provides this essential assistance to your employees, their families and their beneficiaries. EstateGuidance will preparation for employees and their families Employees and family members can create their wills online easily and economically. A step-by-step guide takes them through the entire process, and online instructions help them execute their wills. They can: Name an executor to manage their estate Choose a guardian for their children Specify wishes for their property Provide funeral and burial instructions GuidanceResources Online is the place to go for articles, tutorials, streaming videos and Ask the Expert personal responses on topics such as: Law and regulations Money and investments Family and relationships Health and wellness Work and education Leisure and home

Identity theft Identity theft is one of the fastest-growing crimes in the U.S. Be sure your employees have the information they need to recognize and prevent it. Our online resource helps them: Spot the warning signs Take steps to protect cell phones, computers and tax records from fraud Lessen the damage and repair their credit if identity theft occurs Link to essential resources such as credit reporting bureaus, the FBI Internet Crime Complaint Center, ID Theft Resource Center, and more For beneficiaries If an insured employee develops a terminal illness and accesses the Accelerated Death Benefit on their life insurance, they can use beneficiary services shown. Services are available for up to one year after a loss, and include: A combination totaling six in-person sessions for grief counseling, or legal or financial information, and Unlimited phone counseling. LifeKeys services are provided by ComPsych Corporation, Chicago, IL. ComPsych is not a Lincoln Financial Group company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. EstateGuidance and GuidanceResources Online are trademarks of ComPsych Corporation. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Legal support If beneficiaries need quick legal information, they can call one of our in-house attorneys. Or, if they need in-depth information, guidance or representation, we ll refer them to a qualified attorney in their area. They will be eligible for a free 30- minute consultation as well as a 25% reduction in customary legal fees thereafter. They ll get expert guidance on: Estate and probate law Real estate transactions Social Security survivor & child benefits Documents beneficiaries need Financial services Beneficiaries can call one of our certified financial specialists or use online tools and resources whenever they need help with essential topics such as: Estate planning Budgeting Debt Bankruptcy Investments Assistance at a difficult time Your employees can make sure their loved ones have the support they need after a loss. Unlimited phone contact with master s-level grief counselors lets their beneficiaries access information, advice & referrals for topics such as: Grief and loss Stress, anxiety and depression Memorial planning information Concerns about children and teens

TRAVEL ASSISTANCE SERVICES Travel made easier You know your Lincoln Life Insurance coverage helps protect your family s financial future - but did you know it also includes helpful services you can use right now? Those services include the TravelConnectSM program, which provides a wealth of travel, medical and safety-related services you can access while traveling. Lincoln has partnered with UnitedHealthcare Global, a worldwide leader in travel assistance, to make this valuable benefit available. For travel more than 100 miles from home Business and leisure travel Staff and resources provide 24/7 travel support Your comprehensive coverage includes... Medical emergency evacuation and transportation Includes arrangement and payment for transportation of the patient to the nearest medical facility able to treat the injury or illness. Once the patient can travel home, includes arrangement and payment for the trip. Travel Connect SM UHC Global ID #: 322541 Life/AD&D Dependent child transportation If a participant s injury or illness leaves their minor children under 18 unattended, includes coordination of airfare to send children back to participant s home. Also includes arranging for the services, transportation expenses and accommodations of a nonmedical escort, if UnitedHealthcare Global determines this is necessary. Travel treatment monitoring Includes care management when a traveler has a medical emergency; services are available until the traveler is released or sent to a hometown hospital. Services vary from case to case but can include: medical record requests and reviews to ensure treatment is appropriate; intermediary services; medical translation services for the patient and/or the family; and communication between the patient and family back home. Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York

And much more Destination info weather, currency and more Emergency travel arrangements and funds transfer Lost or stolen travel documents assistance Language translation services Medical and dental referrals Assistance with corrective lenses or medical device replacement Arrangement for the delivery of medications and vaccines Updates to family, employer and/or home physician Repatriation of a deceased traveler Security and political evacuation assistance For a complete list of services provided, please reach out to your benefits department. Travel assistance services are subject to specific terms, conditions and limitations. TravelConnect users: If you have a situation that arises, please call UnitedHealthcare Global immediately for benefits verification and procedures. Call 24 hours a day, seven days a week (multilingual representatives are available). If you do not have access to a phone, email assistance@uhcglobal.com for assistance. A program description is available at www.lincoln4benefits.com. To use TravelConnect SM services, call UnitedHealthcare Global at 800-527-0218 or 410-453-6330, and provide them with ID number 322541. TravelConnect SM travel assistance services are provided by UnitedHealthcare Global, Baltimore, MD. UnitedHealthcare Global is not a Lincoln Financial Group company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New Mexico.

EMPLOYEE ASSISTANCE PROGRAM EmployeeConnect delivers help Everyone needs help solving problems sometimes. EmployeeConnect offers confidential assistance to help your employees and their family meet the challenges that life, work and relationships can bring. Get help 24/7 with: Depression, Substance abuse, Legal and financial concerns, Marital or family difficulties, Stress management/anxiety, and child or elder care. Who is eligible? Your employees and their immediate household family members are eligible to access EmployeeConnect services as part of your long-term disability coverage from Lincoln. What services can I access? Unlimited, 24/7 toll-free phone and online access to: o Family and personal convenience information and referrals for topics such as child and elder care, kennels and pet care, vacation planning, relocation, car buying and colleges. o Legal information and referrals for situations requiring expertise in family law, estate planning, landlord/tenant relations, consumer and civil law, and more. o Financial information and referrals to assist with concerns such as household budgeting, as well as short- and long-term planning. In-person help for short-term issues; up to four* sessions with a counselor per person, per issue, per year (*In California, up to three sessions in six months, starting with initial contact by employee.) In-person consultations with network lawyers, including one free 30-minute in-person consultation per legal issue, and subsequent meetings at a reduced fee Customized information packets to accompany all work-life service Web-based resources o Interactive tools and assessments such as financial calculators, budgeting spreadsheets and a language translator. o Articles, Tutorials, and Streaming videos.

Joining the program is only a two-step process. 1. Request a proposal To receive an FEI Employee Benefits Program proposal from our partners at Lincoln Financial, please provide the FEI EB Program Account Manager with the following: Group census in excel format including: o Date of Birth o Gender o Salary o Occupation o Current Elections Plan Information - Benefit Summaries or Booklets Current and renewal rates Claims Experience o Mandatory for STD groups over 200 lives o Mandatory for LTD groups over 1,000 lives 2. Join the FEI Employee Benefits Program Your FEI EB Program team will work with you to implement the move to the FEI Program. Once you have agreed to the proposal and upon confirmation of your move to FEI/Lincoln Financial you will receive an Implementation and Next Steps email. The Program Account Manager will be your contact to guide you through the implementation process. We will send you the forms and documents that are required to be completed, they are: FEI Member Agreement (if the group is not already a current member) Application for Group Insurance Administrative & Benefit Form W2 Form (for Disability Lines of Coverage) Final Census Unlike other carriers, Lincoln Financial does not require a binder check so no payment will be needed during implementation.

ABOUT LINCOLN FINANCIAL Employee Benefits For more than 110 years, Lincoln has listened, learned and grown to meet our customers evolving needs. What began in a small office in Ft. Wayne, IN, is now an industry leader, helping millions of Americans build their financial security and protection. Smart employee benefit choices make it easier for your company to attract and retain talented employees, and help them plan for and protect their financial future. Lincoln helps both you and your employees make the right choices by delivering flexible products, services and solutions that meet your business objectives and your employees needs and priorities. We re consistently ranked highly in a variety of financial categories: In 2016, Lincoln National Corporation ranks: #205 based on revenue and #25 based on assets 1 on the Fortune 500 List. #9 for group life, as measured by new contracts sold 2 #6 for group disability, as measured by new contracts sold 2 #7 in accident and critical illness sales 2 Who we serve More than 86,000 group policies in-force 3 14.1 million employees insured 3 Over $1.9 billion in total in-force premium 3 25% of our book of business is groups over 1,000 lives 3 While numbers matter, the people they represent matter more. Lincoln employee benefits have helped our customers secure their income, protect themselves and their loved ones and prepare for the unexpected. In 2016 alone: 21,671 women enjoyed maternity leaves with their new babies 4 3,953 people with disabilities returned to work 4 14,280 beneficiaries received financial support after the loss of a loved one 4 1,598 kids' smiles were enhanced by braces 4 5,195 people had help covering their expenses when they made trips to the ER because of an accidental injury. 4 1 Based on median three-year cash flow return on investment (ROI), 2015 sales growth, and adjusted for divestitures 2 LIMRA 2015 YTD Sales Report 3 2016 year-end sales results, based on premium sold 4 2016 claims

Contact our FEI Employee Benefits Team at: affinity@financialexecutives.org or 1.855.899.4646 The FEI Employee Benefits program is offered through our partnership with Lincoln Financial and Alliant Insurance Services, the nation's largest specialty insurance brokerage firm. The FEI Employee Benefits Program is broker friendly, as we can partner with our member's broker to help develop a proposal that will meet the needs of their clients.

FEI Employee Benefits affinity@financialexecutives.org u