| The Association Worksite Division (AWD) is primarily focused upon
employers within the auto market and to select industries through preferred broker partners. Our
division provides valuable, voluntary benefit options to employees at their worksite. These offerings
include group disability, cancer, life, accident and hospital indemnity insurance.
We pride ourselves in providing industry-leading products and service. Our
dedicated support Colleagues, salaried field account representatives and trained broker
partners enable our Customers to make wise benefit decisions.
Great Customer service, innovative benefits administration solutions, simplified underwriting
processes and automated systems make AWD a great value and service provider.
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The Association Worksite Division experienced strong 2007 financial
performance as we focused our sales efforts, diversified our product mix and continued to improve
our operational efficiencies. Last year, we reached 119 percent of our sales quota, but the most
important achievement was the “better-than-expected” results seen in our divisional financials.
Improvements were seen in new premium growth and our year-over-year
product mix improved greatly by the end of 2007. Continued improvements are expected as we
always strive to better serve the needs of our Customers.
Our division continues to be a leader in utilizing technology to improve operational
efficiencies. By the end of 2007, the majority of applications were processed in a "No Hands, No Touch"
fashion by submitting the majority of our business electronically and improving our jet issue rate.
AWD also achieved solid manpower and Customer service gains in 2007. We tightened our focus on
the auto niche while increasing our field sales team by a significant percentage. We also
completed implementation of our one-stop-shop Integrated Call Center which is already yielding important
service enhancements.
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AWD expects further success in 2008 by maximizing results in three
key areas: sales, operational efficiency and innovation. Focusing upon the auto market and our
Section 125 services provides us with new groups, broadens penetration in existing groups and
improves relationships with both employers and our association partners.
AWD sees technology as the path to further productivity and efficiency
gains. Online billing, electronic certificate delivery and further development of the
Integrated Call Center will keep moving us in the right direction for the future.
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