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Select Benefits Plus has established key partner relationships to ensure the success of voluntary benefits for different organizations and their employees. One such partner is American Family Life Assurance Company of Columbus (Aflac).

Frank Marcellino identified Aflac as a major provider for voluntary benefits for union members and has been promoting Aflac for over 10 years to each of his union clients, municipalities, and private sector with great success.

Thomas Kelly, known as TJ, is the Aflac Regional Manager who introduced Aflac and represented Aflac for Frank's clients. TJ has been very instrumental and still continues to be the driving force behind the introduction and implementation of Aflac benefits into each of the organizations associated with Select Benefits. Just give TJ a call or send him an E-Mail at thomas_kelly@us.aflac.com with your Aflac needs and/or questions.

Aflac Company Overview

Aflac is the number one provider of individual health insurance and guaranteed-renewable insurance (National Underwriter, "Life & Health Statistical Report," August 18/25, 2008).

If you have an accident or illness that prevents you from working, the last thing you need to worry about is how you'll pay your bills. That's where Aflac comes in. Our insurance policies may help with those out-of-pocket expenses not covered by your major medical insurance. whether it's ordinary living expenses like food and household bills or medical treatments such as physical therapy, Aflac can help you be prepared for whatever life may bring.

How Do Aflac Benefits Work

Aflac insurance policies pay cash benefits directly to you, unless assigned, regardless of any other insurance you may have. We pay cash benefits fast-processing most claims within four days (company statistics, December 31, 2007). You own the policy and manage the cash benefits. Aflac's policies are portable, so you keep your coverage if you change jobs or retire.

Available Aflac Policies

Accident

Aflac's accident insurance policy is designed to pay benefits that help you cover the ongoing expenses incurred after an

accident injury, from copayments to lodging and travel, and includes a wide range of benefits that other plans may not

cover, such as emergency treatment, follow-up treatment, annual wellness benefit, and initial hospitalization. Family

coverage is available.

Cancer/Specified-Desease

Aflac's cancer/specified-desease insurance policy helps with medical expenses related to cancer treatment. Cancer

treatment can cause out-of-pocket expenses that aren't covered by major medical insurance. Benefits can be used to help

with the cost of cancer treatment, including hospital stays, nursing services, cancer surgery/anesthesia, and much more.

Family coverage is available.

Hospital Confinement Indemnity

Aflac's hospital confinement indemnity insurance policy helps with the noncovered expenses of a hospital stay. We pay

cash benefits directly to you, unless assigned, regardless of any other insurance you may have. Family coverage is

available.

Short-Term Disability

Aflac's short-term disability insurance policy helps with the loss of pay resulting from a sickness or off-the-job injury

through monthly benefits. The benefits are paid directly to you, unless you choose otherwise. The policy is guaranteed-

renewable to age 70 and portable (the policy stays with you regardless of job changes).

Frank Marcellino owns this brokerage firm, Select Benefits Plus NE. Frank started working with Scott Sullenberger, an independent Aflac agent, in January of 2008 to bring a new vision and new energy to the SEA (State Employees Association) of New Hampshire account. Tom Kelly (TJ) promoted Scott to a District Sales Manager at the beginning of 2009 in order to take the clients of Select Benefits to their next levels of success.

Scott has introduced internet technologies, real-time customer service, and other key management tools to better serve the Aflac policy holders within each clientele customer base. Scott has introduced a balanced focus of sales and customer service that has elevated the Aflac deliverance of benefits paid out for claims and wellness and most importantly, customer satisfaction. Scott started and developed several sales/customer service organizations in Silicon Valley and New York City for over 20 years. He is a graduate of West Point. His old fashion style of customer service combined with his knowledge of technology and effective leadership is a proven winner.

Scott continues to ensure that his agents are well trained and kept up to date with policy features and proper integration of the Aflac benefits. Just give Scott a call or send him an

E-Mail at william_sullenberger@us.aflac.com, with your Aflac needs and/or questions.

Marie Terhune was recruited because of her many years of experience in the insurance industry. Her title and position is Corporate Sales Manager. Marie served as a Senior Liability Examiner for a major Massachusetts insurance company in Boston, MA. She was responsible for the fair and accurate disposition of the Company’s most complex claims through investigation, evaluation, and negotiation to settlement or recommendation for trial. Marie's specialty is working with law firms, insurance companies, and start up corporations. She is also very knowledgeable with how to integrate the Aflac benefits into employee health and worksite wellness programs to promote healthier work environments. Marie appreciates and understands the needs and constraints of corporate leadership when it comes to health benefits and financial decisions.

She also understands the challenges that business owners are faced with each day and serves as a trusted advisor in different associations for business owners. Please feel free to contact Marie requesting her assistance with Aflac benefits. Just give Marie a call or send her an E-Mail at marie_terhune@us.aflac.com with your Aflac needs and/or questions.