TAILORED SOLUTIONS TO HELP YOUR GROWTH

TAILORED SOLUTIONS TO HELP YOUR GROWTH

Our solutions and services With almost 140 local insurance companies in 123 markets, we at MAXIS GBN, combine local expertise with global insight to help multinational employers deliver the employee benefits needed to care for their people, while meeting their strategic goals. Our four core solutions and Health & Wellness offering are designed to help you meet your strategic goals while still caring for your people. These solutions complement our other services that are tailored to meet specific employer needs. And, as well as what we offer at a global level, our members also support employers with local solutions.

Services provided by MAXIS GBN, by solution MAXIS Global Captive Solution MAXIS Global Risk Solution MAXIS Global Pool MAXIS Global Preferred Data Solution Strong underwriting and local expertise available at global HQ Access to Health & Wellness team and best-in-class global medical dashboard reports Full underwriting profit remains with the employer Improved pricing / upfront discounts Opportunity for better terms & conditions Potential dividends Quarterly reports Annual reports Dedicated account manager at global, regional and local level Local solutions With their unique insight into local markets, our member insurers offer a wealth of knowledge and experience. This enables them to meet the needs of multinationals in a specific country, region or market. We partner with more than one member in several markets, so we can offer you a competitive approach and a variety of local options.

MAXIS Global Captive Solution As a multinational business you may find that a captive insurance company is the best option for creating and administering a global risk management programme. Captives are an ever-growing part of the employee benefits landscape and our MAXIS Global Captive Solution provides highly efficient risk management for a multinational employer looking to set up an employee benefits captive programme. As the employer, you retain the underwriting profit while gaining access to our strong technical expertise, local-to-global coordination and comprehensive financial data analysis. The basics With a captive, the risk of local policies in scope is ceded to a central reinsurer, and then retroceded to the multinational employer s captive insurance company. All types of insurance coverage can be placed into a captive arrangement. The main benefits With our MAXIS Global Captive Solution, the underwriting profit remains with you, the employer. There is also increased flexibility in designing employee benefit plans and the opportunity to improve terms and conditions.

What we offer We can help you set up a new employee benefits captive programme or get the most out of your risk benefits financing by offering: a dedicated global underwriter and direct access to MAXIS GBN s technical expertise committed account managers at global, regional and local level, working closely with you and your local subsidiaries, supporting you in the resolution of issues if, and when they arise a consultative approach on the diversification of risk to balance your captive reinsurance portfolio and reduce volatility Is this the right solution for you? We would recommend this solution for multinational companies with: centralised management of employee benefits worldwide, with or without an existing captive arrangement a minimum of two policies placed in two different countries, with at least 100 lives in each a minimum US$10,000 premium in each country at least US$3m premium across all policies. Further conditions may be placed to access this solution. insight, guidance and benchmarking knowledge during the renewals process a variety of cash flow options with premium cessions available in advance or in arrears, annually or quarterly, and programme protections comprehensive financial data analysis in quarterly bordereaux and annual reports, showing all income and expenses of the policies included world-leading Health & Wellness reports and support - our MAXIS Global Medical Dashboard reports provide a holistic view of health issues by identifying country-specific trends and cost drivers, and our dedicated Health & Wellness team will help evaluate report data and consider practical health and wellness programmes

MAXIS Global Risk Solution With increasingly complicated regulations and pressure to better manage and anticipate benefit spending, as an employer, you are probably exploring new ways to optimise your worldwide employee benefits. Our MAXIS Global Risk Solution leverages centralised decision making and reinsurance through a longerterm commitment benefitting you, the multinational employer (typically over three years). The portfolio is underwritten at a global level, which enables us to deliver upfront discounts and better terms and conditions. The basics Through reinsurance, your local employee benefits programmes can be combined to form an international pool. Although this is a non-profitsharing arrangement, better pricing and discounts can be delivered in advance this way, eliminating the complexities and the time lag of pool payments. Eligible coverages include any group policies: death benefits for any cause, survivor income benefits, group disability benefits, risk coverages under pension plans, and medical coverage. The main benefits Using the MAXIS Global Risk Solution, employers can achieve stronger global governance and better execute their global employee benefits strategy. Pricing the risk at a global portfolio level means that employers can achieve better terms and conditions. We are also able to provide rate guarantees for any life policies included of up to three years, and potentially improved free-cover limits.

What we offer dedicated account managers at global, regional and local level, working closely with you and supporting you in the resolution of issues that may arise a consultative approach on the diversification of risk to balance the portfolio and reduce volatility strong underwriting expertise, with in-depth knowledge of local risk factors through our local members competitive upfront rates, enhanced policy terms and conditions, rate guarantees, alignment of key terms and conditions, and potentially improved free-cover limits on the worldwide population comprehensive financial data analysis in annual reports, showing all income and expenses of policies included Is this the right solution for you? We would recommend this solution for multinational companies: with centralised management of employee benefits worldwide, and/or who are expanding internationally operating in at least three countries, with a minimum of 100 lives in each a minimum US$10,000 premium in each country with at least US$3m premium across all policies. Please note this should include policies that are new to MAXIS GBN. Employers with an existing pool are subject to additional conditions in order to transfer some or all policies to this solution. Further conditions may be placed to access this solution. insight, guidance and benchmarking knowledge during the renewals process world-leading Health & Wellness reports and support - our MAXIS Global Medical Dashboard reports provide a holistic view of health issues by identifying country-specific trends and cost drivers, and our dedicated Health & Wellness team will help evaluate report data and consider practical health and wellness programmes.

MAXIS Global Pool For companies expanding internationally, pooling has been an effective financial arrangement for managing global employee benefit programmes since it was first adopted in the 1950s. Our MAXIS Global Pool combines local benefits programmes into an international pool through reinsurance. This leverages your global purchasing power to deliver stronger risk management, better global governance and potential dividends. The basics Through reinsurance, your employee benefits programmes are combined to form an international pool in a profit-sharing arrangement. Eligible coverages can include any group policies: death benefits for any cause, survivor income benefits, group disability benefits, risk coverages under pension plans, and medical and dental coverage. The main benefits Using our MAXIS Global Pool means you can better execute your global employee benefits strategy while maintaining stronger global governance and control. The MAXIS Global Pool solution is a profitsharing arrangement, with the potential for pool payments if the year-end portfolio balance is positive, based on the aggregate results for all policies that participate in the pool.

What we offer We can set up a new MAXIS Global Pool or help you move new policies in to an existing pool with us. dedicated account managers at global, regional and local level, working closely with you and supporting you in the resolution of issues as they arise a consultative approach on the diversification of risk to balance the portfolio and reduce volatility strong underwriting expertise, with in-depth knowledge of local risk factors through our local members participation in the financial performance of the pool through potential payments different accounting approaches to suit all types of risk management such as indefinite loss carry forward, deficit write-off, individual stop loss, and programme protections Is this the right solution for you? We would recommend this solution for multinational companies: with employees in several countries and/or expanding internationally covering at least two countries with a minimum of 100 lives in each with a minimum US $10,000 premium in each country with at least a US $300,000 premium across all policies. Please note this should include policies that are new to MAXIS GBN. Further conditions may be placed to access this solution. comprehensive financial data analysis in annual reports, showing all income and expenses of the policies included insight, guidance and benchmarking knowledge during renewals process world-leading Health & Wellness reports and support - our MAXIS Global Medical Dashboard reports provide a holistic view of health issues by identifying country-specific trends and cost drivers, and our dedicated Health & Wellness team will help evaluate report data and consider practical health and wellness programmes.

MAXIS Global Preferred Data Solution As a multinational employer, you know the challenges of global risk management have become more complex and recognise that accurate information is key to successful global programme management. Our MAXIS Global Preferred Data Solution delivers consolidated financial data to multinational employers, providing better global oversight and risk management. The basics We know that accurate financial information is vital to managing global employee benefits successfully and efficiently. We can provide comprehensive financial data analysis of local policies as a stand-alone service, at no extra cost for a multinational employer. The main benefits Using the MAXIS Global Preferred Data Solution, you can gain insight into your organisation s benefits usage and the costs of your local insurance policies, enabling you to practice stronger governance and better risk management, in line with your employee benefits strategy. Our MAXIS Global Preferred Data Solution can also help you decide on the benefits of switching to one of our other solutions.

What we offer dedicated account managers at global, regional and local level to help evaluate report data no extra costs or fees an annual report with specific premium, claim and reserve data, aggregated by policy and by country for group life, accident, disability and health coverages, including current and historical performance world-leading Health & Wellness reports and support - our MAXIS Global Medical Dashboard reports provide a holistic view of health issues by identifying country-specific trends and cost drivers, and our dedicated Health & Wellness team will help evaluate report data and consider practical health and wellness programmes. Is this the right solution for you? We would recommend this solution for multinational companies: with employees in several countries and/or expanding internationally placing at least two policies with MAXIS GBN local member insurers, with a minimum of at least 100 lives in each with a minimum US $10,000 premium in each country with a premium of at least US $300,000 across all policies. Further conditions may be placed to access this solution.

Health & Wellness We are a world leader in helping clients like you meet health and wellness challenges, through our extensive research and data-driven approach. We offer best-in-class global medical dashboard reports with year-on-year comparative analysis. In addition, our local members offer a variety of health and wellness initiatives.

The basics Healthcare costs are continuing to grow globally with some premiums rising by two, or even three times, the general rate of inflation in some markets 1. While medical inflation and changes in the way in which cover is used are often cited as the key cost drivers, in reality, these represent only a portion of the costs related to your employees health. The main benefits By using any of the four core solutions we ve talked about in this brochure, you can access our dedicated Health & Wellness team. This includes best-in-class medical reporting, and expert insight into the underlying medical cost drivers and trends resulting from employee and dependent access to health services. Many employers are now recognising the impact of indirect costs, such as disability, absenteeism and presenteeism - perhaps when an employee is at work, but not fully productive due to a health issue. Indirect costs are often substantially higher than direct costs in the form of claims and premiums. This has led employers to recognise the positive effect maintaining a productive, healthy and engaged workforce can have on their bottom line. More progressive employers are now taking action regardless of their size, industry or location by offering in-depth and well targeted employee wellness programmes. While it s a positive trend, there is still much more we can all do to increase employee engagement in health and wellness. 1 Source: PwC s Health Research Institute, Medical Cost Trend: Behind the Numbers, 2015

Our Health & Wellness offering We address the full spectrum of healthcare needs, including education, awareness, prevention, screening, health intervention and behavioural change. We offer a tailored approach to meet the specific needs of the employer and help drive the implementation of practical health and wellness programmes. We have a robust disability claims management capability, including early intervention, return to work strategies and best-in-class reporting to help employers manage their disability claim costs. The MAXIS Global Medical Dashboard reports* provide a holistic view of health issues by identifying trends and cost drivers: Who can benefit from this offering? as a MAXIS GBN clients you can receive global Paid Claim reports and country-specific Benchmark reports if you have taken our MAXIS Global Captive Solution, MAXIS Global Risk Solution, MAXIS Global Preferred Data Solution or MAXIS Global Pool, then our global Incurred Claim reports are also available to you *MAXIS Global Medical Dashboard reports are available for countries where employers have private group medical insurance contracts above a required threshold (200 lives for global paid claim reports and 400 lives for incurred claim reports) with MAXIS GBN members participating in the Global Medical Dashboard initiative. global Paid Claim reports feature distribution graphs to show how claims were spent in each country, enabling year-on-year comparisons global Incurred Claim reports complement the paid claim reports by providing census-based utilisation and per member per year metrics, to better identify cost drivers and utilisation trends in each country country-specific Benchmark reports provide data on healthcare use in the local portfolio, to enable employers to better assess their own experience against the market s We can provide key data metrics such as claims by relationship type, age band, benefit category, ICD-10 diagnostic groups and provider network. Through us you have access to the team who can help evaluate report data and subsequently adapt practical health and wellness programmes. There are no extra costs or fees for employers using the MAXIS Global Captive Solution.

For a comprehensive overview of the solutions and services offered by our global network, why not get request our capabilities grid? To receive a copy, simply visit maxis-gbn.com or ask your MAXIS GBN representative.

Helping you care for your people and meeting the strategic goals of your business. To find out more about our solutions and services visit maxis-gbn.com or contact your local MAXIS GBN representative. The MAXIS Global Benefits Network ( Network ) is a network of locally licensed MAXIS member insurance companies ( Members ) founded by AXA France Vie, Paris, France (AXA) and Metropolitan Life Insurance Company, New York, NY (MLIC). MAXIS GBN, registered with ORIAS under number 16000513, and with its registered office at 313, Terrasses de l Arche 92 727 Nanterre Cedex, France, is an insurance and reinsurance intermediary that promotes the Network. MAXIS GBN is jointly owned by affiliates of AXA and MLIC and does not issue policies or provide insurance; such activities are carried out by the Members. MAXIS GBN operates in the UK through UK establishment with its registered address at 1st Floor, The Monument Building, 11 Monument Street, London EC3R 8AF, Establishment Number BR018216 and in other European countries on a services basis. MAXIS GBN operates in the U.S. through MetLife Insurance Brokerage, Inc., with its address at 200 Park Avenue, NY, NY, 10166, a NY licensed insurance broker. MLIC is the only Member licensed to transact insurance business in NY. The other Members are not licensed or authorised to do business in NY and the policies and contracts they issue have not been approved by the NY Superintendent of Financial Services, are not protected by the NY state guaranty fund, and are not subject to all of the laws of NY.