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<h2 class="large_all"> New England Benefit Services</h2>
<p class="large_all">Since 1991 the licensed health insurance brokers and agents at New England Benefit Services have been providing specialty health insurance products to individuals, families and groups. We have researched the international insurance market to bring you quality products from reliable companies.</p>
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<div id="suball2"><h2 class="large_all">IMG (International Medical Group)</h2>
<p class="large_all">International Medical Group, Inc. (IMG), the plan administrator, truly understands the needs of international citizens. Since 1990, IMG has provided a full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet individual specifications.</p>
<p class="large_all">IMG's strength lies in its ability to deliver superior service to our insured members. Headquartered in Indianapolis, IN, their staff includes international claims administrators with a wealth of experience in processing claims from throughout the world; multilingual customer service and claims representatives to assist members; and an on-site medical staff available 24 hours a day, seven days a week for medical emergencies.</p>
<p class="large_all">IMG’s goal is to offer the products you need, backed by the service you want. To do that most effectively, we’ve established a number of subsidiary companies: <a href="http://www.imglobal.com/about-img/about-img-stop-loss.aspx" target="_blank">IMG-Stop Loss<span class="superscript">SM</span></a>, <a href="http://www.imglobal.com/about-img/about-itravelinsured.aspx"target="_blank">iTravelInsured<span class="superscript">®</span></a>, <a href="http://www.imglobal.com/about-img/about-akeso-care-management.aspx" target="_blank">Akeso Care Management<span class="superscript">®</span></a>,<a href="http://www.imglobal.com/about-img/about-international-medical-group-europe.aspx" target="_blank"> IMG Europe</a> and <a href="http://www.imglobal.com/about-img/about-the-img-foundation.aspx" target="_blank">The IMG Foundation</a>. These companies are located in a central facility to ensure seamless integration of services to our customers. Through our family of companies, we can provide around-the-clock medical management services, trip cancellation programs, stop loss insurance to reduce employer risk and an internationally based service center. </p>
<p class="large_all">Read more about <a href="http://www.imglobal.com/about-img/history-of-img.aspx" target="_blank">International Medical Group</a></p></div>
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<h2 class="large_all">SirIus Insurance International</h2>
<p class="large_all">While IMG provides complete plan administration expertise, our globally recognized underwriter, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers. Rated A (excellent) by A.M. Best and A- by Standard & Poor's*, Sirius International shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company. Sirius International is a White Mountains Re company.</p>
<p class="large_all">Growing year by year, expanding globally, building upon a solid reputation, remaining stable but never standing still - these characteristics make IMG and Sirius International the team to choose for your Global Peace of Mind®.</p>
<p class="large_all">Visit the <a href="http://www.siriusgroup.com/" target="_blank">Sirius International</a> website</p>
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<div class="footnote">*Sources: A.M. Best affirmed their rating in a press release dated July 31, 2009; Standard & Poor's affirmed their rating in a press release dated December 9, 2009. Ratings are accurate as of the date of publishing and are subject to change.</div>
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