Why PlanDirect?

PlanDirect Makes Insurance Coverage Cost-Effective and Easy
Are you tired of group benefit premiums that have hefty increases upon renewal each year? Do you need a way to separate your retiree claims experience and the administration it involves from your active group benefit plan?

PlanDirect Insurance is one of the most successful individual health and dental plans to assist employers in managing their benefits programs. Currently, thousands of people, companies and associations rely on PlanDirect to resolve their employee and retiree insurance coverage issues.

PlanDirect Insurance benefits you and your employees/retirees:
You can unburden yourself of all the administrative responsibilities of a benefit plan and     make it easier to account for your employees' and retirees' future liabilities.
Your employees will feel secure knowing that coverage for their physical and financial     well-being will continue to be there after their working years, since PlanDirect coverage is     for life, or until the individual decides not to renew the plan.

Although not mandatory, you can also reward your employees by setting up a cost-sharing plan with PlanDirect through a flat rate or percentage-of-premium arrangement.

You'll be glad you took the time now to plan for your employee and retiree insurance coverage-benefits that benefit you both.

Accounting Rules
CICA Rules and the Advantage of Outsourcing Insurance Coverage
The advantage of outsourcing insurance coverage has been enhanced by changes to Canadian Institute of Chartered Accountants (CICA) standards. On January 1, 2000, the CICA required that employers account for all benefits due to employees upon retirement or departure from the company as current liabilities.

This rule means that the present value of future liabilities must appear on the books, which takes a substantial bite out of a company's bottom line.

By outsourcing insurance coverage to PlanDirect, you can relieve yourself from the administrative tasks associated with handling former employees, as well as the
costly liability resulting from the new accounting rule.

Corporate Information
PlanDirect provides you with affordable quality coverage for your employees and retirees-without the administrative burden

Complete Administrative Support
PlanDirect takes care of plan administration, so you won't have to increase your staff workload.
We provide clear, easy-to-understand brochures on our plans so you and your     employees can make informed choices.
Our knowledgeable customer service representatives are always ready to assist you and     policyholders.
We collect premiums directly from policyholders.
We answer claims questions and refer policyholders to the underwriter's claims     department, where claims are administered.
If you contribute to your employee/retiree plan, we provide you with invoices on the     payment period of your choice, making PlanDirect plans simple to account for.

No Employer Contribution Required
With a group plan, employers must contribute at least 50% of the premiums for their employees or retirees. Since PlanDirect is an individual plan, the employer contribution requirement is zero. While many employers do contribute to their employees' and retirees' plans, our plans allow them to do so at less than 50% or up to 100%, on a flat rate or percentage-of-premium arrangement.

Low Premium Rate Increases
Because of our unique plan design, PlanDirect premium rate increases have always been significantly lower than those of other insurance plans. Plus, the premiums of two of our plans that do not include prescription coverage-the Value and Advantage plans-have not increased at all for 4 consecutive years.

It's Easy to Switch from Other Plans
We work with you to help your employees/retirees switch to PlanDirect. Not only have we made it easy to apply for our plans, but also applicants covered by a group plan within 60 days of applying for PlanDirect Insurance may qualify for preferred rates. Furthermore, individuals covered by a Great-West Life group plan will be guaranteed acceptance into a PlanDirect plan.

Discover the PlanDirect Alternative
Discover why thousands of people, companies and associations rely on PlanDirect for their insurance coverage.

For large groups, our Marketing team is prepared to go that extra distance to make sure you are fully satisfied. For more details, contact

Greg Duncan
Marketing Manager
Tel: 416-490-0072, ext. 303
Fax: 416-499-0656
gduncan@pdadmin.com

Information Packages
PlanDirect Information Packages
We want to work with you to ensure your employees have the best coverage available. If you're planning an employee benefit seminar, we would be more than willing to participate in person, or provide you with a documented presentation on our plans. We also have information packages that give you and your employees full details on our plans.

You can request any of the following PlanDirect information packages:
PlanDirect Insurance marketing package - Includes application form, rate sheet and     detailed brochure
PlanDirect Insurance summary sheets - Very basic summaries of our five health plans
Corporate information kit - Information on our corporate offerings