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.

• 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.