Common use of Consultative Services Clause in Contracts

Consultative Services. Fees based on consulting services provided to the Policyholder by the Producer.  Consult with Policyholder to create the Group Policy plan design. (+2%)  Assess the Insured coverage needs. (+2%)  Explain Group Policy provisions to Policyholder. (+2%)  Review Group Policy and Insured booklets to ensure accuracy with plan design. (+2%)  Consult with Policyholder at renewal as to changes in plan design and rate. (+2%)  Assist Policyholder with the implementation of the Group Policy. (+2%)  Provide Policyholder with notices and communication. (+1%)  Provide higher than standard levels of quality. (+2%)  Promotion of additional products and services. (+1%)  Provide higher than standard level of availability to answer Policyholder questions related to their Group Policy. (0.5%)  Communicate Policyholder Customer Service Issues in a timely manner. (+.1%)  Communicate Changes in Policyholder Information in a timely manner. (+.1%)  Communicate Policyholder Implementation questions and concerns in a timely manner. (+.2%) SCHEDULE H Applicability STANDARD GRADED COMMISSIONS For NY DBL This Schedule applies exclusively to Group Policies providing benefits that satisfy the requirements of the non- occupational short term disability benefit law of New York.

Consultative Services. Fees based on consulting services provided to the Policyholder by the Producer.  Consult with Policyholder to create the Group Policy plan design. (+2%)  Assess the Insured coverage needs. (+2%)  Explain Group Policy provisions to Policyholder. (+2%)  Review Group Policy and Insured booklets to ensure accuracy with plan design. (+2%)  Consult with Policyholder at renewal as to any changes in plan design and rate. (+2%)  Assist Policyholder with the implementation of the Group Policy. (+2%)  Provide Policyholder with notices and communication. (+1%)  Provide higher than standard levels of quality. (+2%)  Promotion of Provide information on additional products and services. (+1%)  Provide higher than standard level of availability to answer Policyholder questions related to their Group Policy. (0.5%)  Communicate Policyholder Customer Service Issues in a timely manner. (+.1%)  Communicate Changes in Policyholder Information in a timely manner. (+.1%)  Communicate Policyholder Implementation questions and concerns in a timely manner. (+.2%) SCHEDULE H Applicability STANDARD GRADED COMMISSIONS For NY DBL This Schedule applies exclusively to Group Policies providing benefits that satisfy the requirements of the non- occupational short term disability benefit law of New York.)

Consultative Services. Fees based on consulting services provided to the Policyholder by the Producer.  • Consult with Policyholder to create the Group Policy plan design. (+2%)  • Assess the Insured coverage needs. (+2%)  • Explain Group Policy provisions to Policyholder. (+2%)  • Review Group Policy and Insured booklets to ensure accuracy with plan design. (+2%)  • Consult with Policyholder at renewal as to any changes in plan design and rate. (+2%)  • Assist Policyholder with the implementation of the Group Policy. (+2%)  • Provide Policyholder with notices and communication. (+1%)  • Provide higher than standard levels of quality. (+2%)  Promotion of • Provide information on additional products and services. (+1%)  • Provide higher than standard level of availability to answer Policyholder questions related to their Group Policy. (0.5%)  • Communicate Policyholder Customer Service Issues in a timely manner. (+.1%)  • Communicate Changes in Policyholder Information in a timely manner. (+.1%)  • Communicate Policyholder Implementation questions and concerns in a timely manner. (+.2%) SCHEDULE H Applicability STANDARD GRADED COMMISSIONS For NY DBL This Schedule applies exclusively to Group Policies providing benefits that satisfy the requirements of the non- occupational short term disability benefit law of New York.)

Consultative Services. Fees based on consulting services provided to the Policyholder by the Producer.  • Consult with Policyholder to create the Group Policy plan design. (+2%)  • Assess the Insured coverage needs. (+2%)  • Explain Group Policy provisions to Policyholder. (+2%)  • Review Group Policy and Insured booklets to ensure accuracy with plan design. (+2%)  • Consult with Policyholder at renewal as to changes in plan design and rate. (+2%)  • Assist Policyholder with the implementation of the Group Policy. (+2%)  • Provide Policyholder with notices and communication. (+1%)  • Provide higher than standard levels of quality. (+2%)  • Promotion of additional products and services. (+1%)  • Provide higher than standard level of availability to answer Policyholder questions related to their Group Policy. (0.5%)  • Communicate Policyholder Customer Service Issues in a timely manner. (+.1%)  • Communicate Changes in Policyholder Information in a timely manner. (+.1%)  • Communicate Policyholder Implementation questions and concerns in a timely manner. (+.2%) SCHEDULE H Applicability STANDARD GRADED COMMISSIONS For NY DBL This Schedule applies exclusively to Group Policies providing benefits that satisfy the requirements of the non- occupational short term disability benefit law of New York.