PRODUCT PORTFOLIO for INDIVIDUALS

Comprehensive Worldwide Insurance Coverage

HEALTH | LIFE | DISABILITY | TRAVEL | SPECIALTY RISKS

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Global Benefits Group

offers worldwide

expertise, products and

services unbound by

geographic constraints.

Any Country.

Any Nationality.

flexible solutions for your business needs

Global Benefits Group has been specializing in the international financial services

market for 35 years, serving as leading underwriters, developers and distributors

of products and services designed especially for the needs of overseas workers

and international travelers.

GBG underwrites health, life, disability, travel and other specialty insurances for

groups and individuals who are expatriates, third-party nationals or high net-worth

local nationals.

As globalization of the world’s economy has continued to accelerate, GBG has

developed a specialized underwriting structure that is required to meet the needs

of this select market niche. This structure is devoted to one business only:

underwriting risks for organizations and individuals whose life and work transcend

geographic boundaries.

The GBG portfolio of products provides optimum security because it is supported

by a world-class panel comprising some of the largest and most financially stable

underwriters in the world:

▪ GBG Insurance Limited (rated B++ by A.M. Best Company)

▪ Chubb Insurance (rated A++)

▪ General Reinsurance Corporation (rated A++)

▪ Lloyd’s of London (rated A)

Additionally, GBG partners with a multitude of local insurance companies around

the world when an admitted carrier is required to meet specific country

regulations. GBG also operates as a Lloyd’s coverholder.

We are proud to offer this exciting and innovative structure to our clients. It

provides the international marketplace with an unprecedented and unique

combination:

▪ International expertise

▪ Dedicated underwriting facility

▪ Financial security

▪ Responsive customer service

For more information, contact Hawkins Wealth Advisory Office: +1.480.685.4585 or

Info@HawkinsWealthAdvisory.com

Experience and Expertise

in the International Marketplace

2415 E. Esplanade Lane 7th Floor | Phoenix, AZ | 85016 1.480.685.4585 | 1.480.859.2938 Info@HawkinsWealthAdvisory.com www.HawkinsWealthAdvisory.com

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While preparing for international travel or relocation to a work assignment abroad,

there are questions that should be as important as what to pack:

If you become ill, what assurances do you have that you be able to access quality

healthcare? And, what resources will you have to be well and stay well?

If you have an accident in a non-metropolitan area, how will you get to the “closest”

hospital, which may be many, many miles away?

If you become disabled, how will you pay your bills if you can’t work?

Do you have direct-bill privileges with the medical facilities that you will be utilizing?

Are you able to track your health insurance claims through a customer-friendly

website?

With GBG’s portfolio of insurance products, individuals can gain peace of mind and have

access to quality healthcare, no matter where their overseas assignments or international

travels may take them. GBG offers several Health Insurance plans which include features

such as our worldwide direct-bill network and medical evacuation services, which will take

you to the nearest qualified facility in the event of an accident or life-threatening

emergency.

Most people understand the importance of having life insurance to provide financial

security in the event of death, but it is difficult to obtain coverage in a foreign country. And,

being away from your home country does not mean accidents and disability may not follow.

GBG offers a wide variety of Life and Income Replacement plans, with flexible policy

features and responsive individual service.

Each plan is custom designed for:

Expatriates of Any Nationality

Local Nationals

High Net-Worth Individuals

Business or Leisure Travelers

When you need help . . .

where in the world will you find it?

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► Global Access

Global Access is a European-style insurance plan offered to expatriates, with multiple

geographical areas of coverage:

Worldwide

Worldwide, emergencies-only in North America

Worldwide, excluding North America

Customizable regional options

This plan covers the same benefits as the Independence Plan, but with the following

distinctive features:

4 levels of coverage

Up to $2 million annual maximum

Worldwide direct-bill network

Emergency medical evacuation

Dental and Vision benefits

Optional Maternity benefit

► Independence Plan

Independence Plan is a comprehensive health plan offered to expatriates, with

multiple geographic areas of coverage:

Worldwide

Worldwide, with emergency-only services in North America

Worldwide, excluding North America

Customizable regional options

With a $1 million annual maximum benefit and an unlimited lifetime maximum, the

Independence Plan offers coverage that expatriates can use everywhere in the

world, including:

Choice of deductibles and coinsurance

Worldwide direct-bill network

Emergency medical evacuation

Maternity benefit

Well-Baby care

Pharmacy benefit

Chronic conditions and organ transplants

For expatriates living outside of their

home country who prefer European-style

health insurance.

Health Insurance

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Inpatient Health Insurance

Specialty Insurance

► Inpatient Plus

Inpatient Plus is a customized health insurance plan for people who choose to

be responsible for everyday outpatient healthcare but want robust protection for

inpatient treatment. Inpatient Plus is affordably priced to those individuals and

families who balance economics with sound health insurance coverage.

Robust protection for inpatient treatment

Range of deductibles and coverages for individuals and their dependents

Worldwide direct-bill network

Emergency medical evacuation

Inpatient coverage with no annual policy limit

Outpatient diagnostic testing, up to $10,000

Pharmacy benefit that follows treatment for a covered hospitalization

► TravelCare 360

TravelCare 360 provides a vital lifeline to anyone traveling outside of

their home country. Core components of TravelCare 360 include

emergency medical insurance, evacuation and repatriation, and 24/7

customer service. A TravelCare 360 policy will cover you anywhere in

the world and can be purchased on an annual or single-trip basis.

► StudySafe

StudySafe is tailored exclusively for full-time college and university

students who are studying outside of their home country. A high-end,

comprehensive plan, StudySafe offers many key benefits, including

coverage of medical expenses, emergency dental treatment and

outpatient pharmacy coverage.

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► Long Term Disability (LTD)

The purpose of Long Term Disability (LTD) is to provide individuals protection against financial hardships resulting from disability, sickness

and accidents that make the insured person unable to work. In the event that an insured person becomes disabled as a result of an injury or

illness, LTD provides an income benefit based on a percentage of the annual salary. The benefit becomes payable after a waiting period until

recovery, death or attainment of retirement age.

► Short Term Disability (STD)

Short Term Disability (STD) benefits are used to provide “gap” coverage during the LTD waiting period. With STD, waiting periods can run for

as little as 7 days.

► Permanent Total Disability (PTD)

Unlike LTD and STD, which pay over a certain period, Permanent Total Disability (PTD) pays out a lump-sum payment if the insured can no

longer perform his or her own occupation. With advances in modern medicine, you are more likely to survive a serious accident than to die from

it. For this reason, a PTD benefit provides a lump-sum payment to a person who suffers a disability or a physical dismemberment as a result of

a covered accident or illness. PTD is offered as a stand-alone product or as part of Disability Plus. PTD is subject to a waiting period; those

who are looking to bypass PTD’s Deferred Period often choose Disability Plus, which includes Temporary Total Disability (TTD).

► Accidental Death & Dismemberment (AD&D)

A special limited type of term insurance, Accidental Death and Dismemberment (AD&D) pays out a lump-sum payment in the event of a

disability or death caused by an accident. Often thought of as "catastrophic protection" or Personal Accident insurance, AD&D is offered as a

stand-alone product, as a rider to term life insurance, or as part of Disability Plus.

► Disability Plus (PTD-TTD)

Disability Plus is a cornerstone to protecting your family’s financial well-being by planning for unforeseen accidents. Policies that provide

coverage for Accidental Death and Dismemberment (AD&D), Permanent Total Disability (PTD) and Temporary Total Disability (TTD) are vital

pieces to a well-rounded insurance portfolio. To save you time and money, and to help protect your financial future, you can now purchase

Disability Plus and receive the benefits of all three coverages – AD&D, PTD and TTD.

AD&D, also known as Personal Accident insurance, pays out a lump-sum payment in the event of a disability or death caused by an accident.

PTD provides a full payment of the policy’s total face amount for covered injuries or illnesses. The PTD benefit is triggered if the insured longer

can perform his or her own occupation.

TTD, the third leg of the coverage, provides insurance in the event of an accident that prevents the insured from performing his or her own

occupation during the Deferred Period before the PTD coverage commences.

Disability Plus offers a high benefit level that can be up to 10 times salary with a $2 million maximum.

Income Replacement Insurance

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► Innovation Life+

Innovation Life+ provides the protection of life

insurance AND assurance of saving for the

future at the same time. Our Life Insurance

and Accidental Death & Dismemberment

(AD&D) plans can be customized with optional riders to fit your unique needs. A Coma

Benefit of $25,000 is provided with both plans in the event that you require the use of life

support systems. Innovation Life+ provides the flexibility to change your insurance

coverage levels as your lifestyle changes.

► Key Person

Key Person is designed to protect a business in the event of the death of an executive or

key team member who makes a significant contribution toward the profitability or stability of

the business. Death benefits range from $500,000 to $5 million, typically with 10- or 20-

year terms. The death benefit is typically paid to the employer or to venture capitalists who

funded the company, and plan benefits are used to replace lost revenue or fund the search

for a replacement professional. This allows investors and creditors to protect their

investment.

Life Insurance

► Protection Plus Life, Hospital Cash, Permanent Total Disability and Accidental Death & Disability

Benefits

Protection Plus—which offers high levels of Life, Accidental Death &

Dismemberment, Permanent Total Disability, and Hospital Cash—is a vital

part of a balanced insurance portfolio.

Life insurance for the Primary Insured, up to $250,000

Hospital Cash at $100 per day, up to $3,000

Permanent Total Disability, up to $250,000

Accidental Death & Dismemberment, up to $250,000

The information contained herein is for illustrative purposes only.

Please contact your GBG representative for policy details or to request a customized proposal.

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GBG provides world-class services About GBG TieCare International has served the specialized needs of the international education community for more than 30 years. TieCare offers local personal service in all regions of the world and representatives who make multiple visits to your school every year. The flexibility of our unique integrated underwriting platform permits us to tailor your benefits to your specific requests. At TieCare, providing you with the most comprehensive and cost-effective benefits backed by knowledgeable customer service is our top priority.

The essence of outstanding health insurance comes in the form of customer service, and a cornerstone of GBG is the worldwide expertise of GBG Assist. GBG Assist offers 24/7 assistance to answer any customer need around the world — including emergency evacuation — no matter the day or time. GBG Assist is a member’s one-stop shop for any questions concerning benefits, deductibles & co-insurance, network providers, pre-authorization and coordination of benefits.

International Claims Services (ICS) supports group and individual clients around the world by providing claims processing and reimbursement to both providers and individuals. All ICS services are accessible to members online at gbg.com. Of special importance, ICS has developed proprietary claims software to handle the complexities of international reimbursements whenever a member files a pay-and-claim form.

Outside of North America, GBG has built a proprietary Preferred Provider Organization called World Medical Network (WMN). Facilities that participate in World Medical Network will not only provide the finest care available in the local environment, but they have been chosen for their expertise in dealing with expatriates. They maintain an English speaking staff, have many Western trained staff members, and provide high quality and professional medical care. In addition, all WMN network providers will bill GBG directly.

ATMSafe was created due to the need for a specialized risk insurance solution when conducting an ATM transaction. Customizable plan benefits include lost cash replacement, hospitalization and accidental death benefit for losses occurring during a robbery at an ATM. ATMSafe gives you the peace of mind you need to conduct your transactions with confidence.

Vienna, Austria

Sofia, Bulgaria

Beijing, China

Shanghai, China

Ethiopia

London, England

Hyderabad, India

Indonesia

Netherlands

Lima, Peru

Manila, Philippines

Belgrade, Serbia

Singapore

Durban, South Africa

Johannesburg , South Africa

South Korea

Thailand

Istanbul, Turkey

Dubai, UAE

California, USA

Florida, USA

New York, USA

North Carolina, USA

Washington, D.C., USA

The Global Reach of GBG

GBG/Hawkins Individual Port_23SEP2015

► Founded: 1981

► GBG Insurance Limited

Guernsey, Channel Islands

► GBG Corporate Headquarters

Orange County, California, USA

► Regional Offices

Vienna, Austria; Beijing, China;

Shanghai, China; London,

England; Hyderabad, India;

Manila, Philippines; Belgrade,

Serbia; Johannesburg, South

Africa; Dubai, United Arab

Emirates; Miami, Florida,

United States of America

► Website: www.gbg.com

► A.M. Best Rating: B++

► Medical Provider Networks

Aetna

Coventry Health Network

Medilink

NEXtCARE

World Medical Network

► Worldwide Presence

Customer Support Personnel

in areas including: