Underwritten by Nippon Life Insurance Company of America®
Nippon Life Insurance Company of America® - marketing name Nippon Life Benefits®, NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in
Iowa, with a principal place of business at 655 Third Avenue, 16th floor, NY, NY 10017-9113, member company of Nippon Life Insurance Company of Japan (“Nissay”). Nippon Life Benefits is
responsible for its own financial condition and contractual obligations.
Overview of Nippon Life Benefits
Nippon Life Benefits Overview• Corporate Value
• Company Overview
• World Class Financial Strength
Products• Dental
• Vision
• Life
• Disability
Useful Tools• Employer Portal
• Mobile App
Underwritten by Nippon Life Insurance Company of America®
We are Nippon Life Benefits
We hold ourselves to the highest level of service and
incorporate our core values –
Harmony, Honor, and Humanity – into all that we do.
To help make yourself more comfortable with your new insurance
benefits, we are here for you! Should you have any questions,
please do not hesitate to ask us.
It is pleasure to meet you and we look forward to working with you!
NLB30183-1 (09/17)1
Hello!
Underwritten by Nippon Life Insurance Company of America®
Our Mission Is To Bring Humanity Back To Healthcare
Nippon Life Benefits was founded and incorporated in 1991
Corporate Headquarters in New York
Specialization in Employee Benefits - Medical, Life, STD, LTD,
Dental, and Vision
Licensed in all states except ME, NH, and WY
Regional offices in Atlanta, Chicago, Los Angeles, New Jersey,
Ohio and Pennsylvania
Known for providing high quality services – 2016 Employer
overall satisfaction rate was 94.7%!
NLB30183-1 (09/17)2
Company Overview
Underwritten by Nippon Life Insurance Company of America®
Nippon Life Insurance Company of America® (Nippon Life
Benefits®) is a U.S subsidiary of Nippon Life Insurance Company
of Japan
Nippon Life Insurance Company of Japan was founded in 1889
Employs 70,519 full-time staff as of 3/2016
$520 billion in assets and $71.5 billion total ordinary income
Ranked the world’s 111th largest company in 2017 FORTUNE
GLOBAL 500
A- (excellent) rating by AM Best as of 1/2017
A+ rating by Standard & Poors as of 7/1/2016
Nippon Life Benefits is a member company of Nippon Life Insurance Company of Japan. Nippon Life Benefits is
responsible for its own financial condition and contractual obligations.
3
World Class Financial Strength
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
We provide unique and flexible solutions designed to stretch your benefit dollars, while offering
comprehensive coverage with extraordinary service.
Dental
Life
Disability – Short Term Disability and Long Term Disability
Vision
4
Our Products
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
5
Dental
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
Keep Your Smiles Bright & Healthy
Diseases like diabetes, heart disease, complications of pregnancy and certain cancers have been tied to gum disease and poor oral health.1
Did You Know?
Approximately 1 out of every 2 American adults aged 30 and over
has periodontal disease.2
About 18% of preterm, low birth weight babies born in the United
States each year may be attributed to oral infections.3
1 in 3 Americans admit to delaying dental care because they’re
worried about costs.4
(References)
1. “Healthy mouth, healthy body: The link between them may surprise you,” everydayhealth.com, 2/9/16
2. American Academy of Periodontology, CDC: Half of American Adults Have periodontal Disease
3. Oral Health And Overall Health, Why A Healthy Mouth Is Good For Your Body
4. Aspen Dental Cost of Delay Study, 2013
NLB30183-1 (09/17)6
Why You Need Dental Coverage?
Underwritten by Nippon Life Insurance Company of America®
Aetna Dental® Administrators is one of the largest
dental benefit administrators in the nation.
Access in 50 states plus District of Columbia and Puerto Rico
Nearly 160,500 available dental practice locations
Over 121,400 participating general dentists
Over 38,500 participating specialists
100 percent open offices – can’t close to new patients
7
Aetna Dental® Administrators (ADA)
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
Standard Plan
Comprehensive dental coverage, yet affordable
Preventive and Basic Plan
Covers most important treatments
Preventive Only Plan
The most cost effective plans and covers the essential benefits
Contributory options and
Voluntary options are available!
8
Dental PPO Plan Options
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
9
StandardPreventive and Basic
Preventive only
Monthly Premium
Contributory and Voluntary options
Preventative
Basic
Major
Ortho Optional
Dental Plan Highlights
• Cleaning• Fluoride Treatment• Preventive Exams
• Sealants• Preventive X Rays
• Cleanings• Crowns (stainless steel)• Minor Oral Surgery• Oral Cancer Screening• Periodontal Prophylaxis
• Problem Focused Exams• Problem Focused X Rays• Restorations/Fillings• Simple Extractions• Space Maintainers
• Complex Oral Surgery• Crowns (other than steel)• Dentures/Bridges/• Repairs
• Endodontic• General Anesthesia• Inlays/Onlays• Periodontics and appliances
Many options can be customized so ask your sales rep!
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
10
Vision
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
Vision care that sees beyond eye health
Vision care plays a huge role in overall health, and critical to learning and development in a child’s earliest years.
Did you know?
1 of every 12 Americans has diabetes - and since eye exams are an
accurate means of detecting serious health conditions.
12,000-24,000 people lose their vision every year because of
diabetes complications that often could have been prevented
through early detection. 1
5% of preschool-aged children have an eye problem that could
result in permanent vision loss if left untreated.
(References)
1. AOA (American Optometric Association )
NLB30183-1 (09/17)11
Why You Need Vision Coverage?
Underwritten by Nippon Life Insurance Company of America®
Vision benefits never looked so good!
Nippon Life Benefits now offers vision coverages powered by EyeMed.
In EyeMed Insight Network,
87,000+ total providers
79,383 total provider access points
51,000+ independent providers
35,000+ retail providers, such as Lens Crafters®, Pearle Vision®, Target Optical®, Sears Optical®, JC Penny Optical® and more.
97% in-network provider utilization*
Access to top brands like Ray-Ban, Oakley and many more!
*EyeMed book of business data 2013-2014
12
Vision Plan Highlights
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
13
Life
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
A Financial Cushion For Your Family’s Dreams
Life insurance often stands as a critical back-up to the financial dreams of many families.
Did you know?
According to a recent study, more than 40% of American families
would struggle to make ends meet within 6 months if something
happened to their major breadwinner.
Top 3 reasons Americans own Life Insurance1 are;
1. Help with burial or other final expenses
2. Help replacing lost income
3. Help paying off the mortgage
(References)
1. “Facts from LIMRA,” Life Insurance Awareness Month, September 2015
NLB30183-1 (09/17)14
Why You Need Life Coverage?
Underwritten by Nippon Life Insurance Company of America®
Let us help protect what matters most to you.
NLB30183-1 (09/17)15
Basic Group Term Life and Other Plan Highlights
Group Term Life
Participation
75% participation required
100% participation required if the
benefit is totally employer paid
Employer Contribution
50% or more employer contribution
required
Additional Features
Accelerated Death Benefit
Waiver of premium
Schedule of benefits age reduction
options
Supplemental Life
Available in conjunction with
Group Term Life
Portability options available
Dependent Life
Available in conjunction with
Group Term Life, Supplemental
Life and Voluntary Life
*Evidence of insurability may apply
Underwritten by Nippon Life Insurance Company of America®
16
Disability
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
Focusing On Helping Employees Return to Work.
Attractive benefit backed by an exceptional return-to-work claim process.
Did you know?
Every :01 second another disabling injury happens in the U.S. 1
1 in 4 of today’s 20 year-olds in America will become disabled
before they retire.2
More than 1 in 8 Americans will be disabled for five years or longer
(the average LTD claim lasts 35 months).3
38% Americans couldn’t cover expenses for 3 months.4
65% of Americans couldn’t cover expenses for a year.4
(References)
1. National Safety Council, Injury Facts 2014
2. U.S. Social Security Administration, Fact Sheet February 7, 2013
3. Gen Re, U.S. Group Disability Rate & Risk Management Survey 2012, based on claims closed in 2011
4. Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010
NLB30183-1 (09/17)17
Why You Need Disability Coverage?
Underwritten by Nippon Life Insurance Company of America®
Attractive benefit backed by an exceptional return-to-work claim process
Wide range of elimination periods and benefit durations
Income replacement up to 66 2/3% of salary on most group
disability plans
Vocational rehabilitation and return-to-work assistance where
appropriate
Premium waiver during periods of eligible disability
Many enhancement options
NLB30183-1 (09/17)18
STD and LTD Plan Highlights
Underwritten by Nippon Life Insurance Company of America®
Managing benefits should be EASY.
We have useful tools for everyone - brokers, clients and members.
19
Useful Tools
Mobile Appfor members
GATEWAYEmployer Portal
for clients
NLB30183-1 (09/17)
Underwritten by Nippon Life Insurance Company of America®
Access to your benefit anytime, anywhere.
Find a Provider(Medical and Dental)
View ID Card(Medical and Dental)
Contact Customer Service
Check Claim Status
View Your Benefits(Medical and Dental)
Access to Wellness(Medical only)
20
Mobile App
NLB30183-1 (09/17)