Employee benefits and benefits in kind (also called fringe benefits, perquisites, perqs or perks) are various non-wage compensations provided to employees in addition to their normal wages or salaries. Where an employee exchanges (cash) wages for some other form of benefit, this is generally referred to as a 'salary sacrifice' arrangement. In most countries, most kinds of employee benefits are taxable to at least some degree

Voluntary Benefits

Employee Benefits Group

We have committed ourselves to consistently exceeding our customers' expectations in each area of our business

Recognizing our customers have a choice of employee benefit solution companies, we have raised the bar and are holding ourselves to a higher standard of quality and customer satisfaction as evident by our recent service levels.

Ratings
Professional Insurance Company earned the following financial strength rating

A.M. Best "A" (Excellent)
Ratings Explanation:
"A" is the third highest ranking of 16 A.M. Best categories. The ratings are based on relative financial strength and operating performance in comparison with others in the industry.

The ratings are an opinion of the rating agency and not a warranty of the insured's ability to meet its contractual obligations.

Ratings are as of February 2006.

Service Levels

Freedom from administrative burdens	7 day average turnaround time on policy issue² 3 day average turnaround time when electronically enrolled
Prompt inquiry responses	80% of calls answered in under 45 seconds 100% of inquiries addressed within 5 days
Consistent and responsive claim adjudication	5 day average turnaround time from receipt of claim to Automated Cleaning House (ACH) 99 % claim accuracy
Easy access to plan information and tools	Account information, transaction capabilities, billing statements, forms, secure information exchange and HIPAA information available through our web site for appointed agents

¹ All statistics are for Professional Insurance Company* from 1/1/05 to 12/31/05
² Excludes print and mail time

We are an Insurance Company that helps businesses, individuals and families preserve and protect their most valuable assets. We will continue to offer flexible, diversified leading-edge individual products and services that meet the evolving benefits needs of our customers.

Underwritten by Professional Insurance Company
(In California, PIC Life Insurance Company)

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