“The Start Up” Presentation for the Cayman Captive Forum

Panel

Dixon Abell President, Abell, LLC Monroe, LA President, Well Health Insurance Ltd.

Ernie Achtien, CPA, CPCU CFO, Captive Resources, LLC Schaumburg, IL Board Member, Well Health Insurance Ltd.

Doug Hayden Sr. Vice President, Captive Resources, LLC Schaumburg, IL Captive Consultant, Well Health Insurance Ltd.

Increase in Health Insurance Premiums

200% 180% 160% Health Insurance Premiums Workers' Contribution to Premiums Workers' Earnings Overall Inflation 180% 172% 140% 120% 100% 80% 113% 109% 60% 40% 20% 0% 1999 2000 2001 38% 38% 11% 8% 2002 2003 2004 2005 2006 29% 24% 2007 2008

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2012 (April to April).

2009 47% 38% 2010 2011 2012

Can A Captive Mitigate The Trend?

 Improved Health Management – Paradigm shift – we CAN impact costs of health benefits  Return of Underwriting Profits – Reduces need to increase retention/risk  Reduced Costs – Gain leverage in the marketplace – Greater predictability through spread of risk  Control Over Insurance Destiny

Who Formed Well Health Insurance Ltd.?

  Captive Resources introduced the group stop-loss captive concept to its current casualty captive customers  Captive Resources introduced the group stop-loss captive concept to the brokerage community Captive Resources worked with the stop-loss marketplace and started a relationship with Berkley as the program’s policy issuing carrier, reinsurer and underwriter  The Program added its first partner company in May 2011 and now covers over 10,000 lives

Well Health Flexibility

• • Use your current plan design if desired Choose the specific stop loss limit that fits your company best • • • Obtain aggregate stop loss protection if desired Select your own third party administrator Access to local, regional and national PPO networks

Specific Claims Layers

(Per Person Per Policy Year)

$200,000 IN EXCESS OF SIR MEMBER AGGREGATE ATTACHMENT POINT

Catastrophic Stop-Loss Coverage Per Claim Captive Co-Participation Member Assessment Member Loss Fund (each member’s) Specific Deductible SIR Employee Share

Berkley Stop Loss Policy CAPTIVE CO PARTICIPATION BETWEEN MEMBERS WITH AGGREGATE STOP-LOSS

Well Health Wellness

    Development of Health Management/Wellness Platform – Based on member direction and industry best practices  Health Management/Wellness Workshops – Topical presenters and breakout sessions – Networking/member interaction Well Health webinar series Member Website Buying Groups

Well Health Insurance Ltd.

Networking

Employer’s Total Health Care Costs

Wellness

WELL HEALTH STOP LOSS CAPTIVE

Plan Design Claim Management

Defining Success

     Impacting the Total Cost of Healthcare – The Other 85% – Predictability – Outperform industry cost trends – Captive dividend distribution Promotion of healthy behavior Vendor Integration Healthy and Productive Workforce – and Dependents Benchmarking Results

Contacts

Contact Kevin Hallen Phone (847) 879-2369 Email [email protected]

Doug Hayden (847) 879-2357 [email protected]

Jim Merkel (847) 944-9818 [email protected]

Larissa Akrawi (847) 879-2382 [email protected]