Travelers does more to help

independent agentsgrow

Are you looking for a partner who will help your agency grow and succeed?

Time to meet Travelers.At Travelers you don’t face market challenges

alone — you have a partner. We can help you get

more customers and keep more customers by

offering a full range of products and marketing

programs, exceptional service and industry-leading

technology designed to make it easier for you to

quote and issue new business. All backed by our

superior financial strength and stability.

See the enclosed sheets for more information on

how Travelers can help you write more business

than ever before!

AS A TRAVELERS AGENT, YOU HAVE ACCESS TO:

Competitive products

Superior customer service

Easy-to-use technology

Free technology support

Exceptional claim service

Excellent compensation

Effective marketing and sales programs

InSynchtools.com, your online resource

for marketing tools.

Join our team today!

“Helping me grow is what makes Travelers

different from other carriers.”— J. Paul Barrios, Cloverleaf Insurance Brokers, Miami, FL

After you have read the enclosed material,

visit travelers.com. Click on the For Agents/Brokers

tab and then click on Become an Agent. Fill out the

online form and you will be contacted by a Travelers

Sales Executive, who will guide you through the

Travelers appointment process.

Benefit from ourstrength, securityand commitment

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As an independent agent, you need a partner with:

FINANCIAL STRENGTH

Travelers has what it takes, consistently earning outstanding

ratings from the organizations that monitor the performance of insur-

ance companies:

A+ A.M. Best Aa3 Moody’s

AA- Fitch AA- Standard & Poor’s

LEADERSHIP

Travelers has been leading the way for more than 140 years.

In 1864 we were the first company in the nation to insure against

accidents and in 1897, the first to issue an auto insurance policy.

More recently, we were the first carrier to offer identity theft protec-

tion, the first to offer a national discount on auto insurance for hybrid

vehicles, and in 2006 we began offering wedding insurance.

Today, we’re still first in choice, service, convenience

and reputation. In Goldman Sach’s January 2007 Property/ Casualty

survey, Travelers was rated number one as the carrier wit whom

agents prefer to do business with.

MARKET CLOUT

Personal insurance generated $6.7 billion in net written premium

in 2006.

Travelers insures over 4.4 million individuals and families, who

hold over 7 million personal insurance policies

Travelers is ranked No. 89 on Fortune magazines Fortune 500

COMMITMENT

At Travelers, we pride ourselves on our long-term commitment to

the local independent agent. Our success is tied to your success,

and that’s why we offer our agency partners the tools, programs,

workshops and resources to take your business to the next level.

We want to help you grow your business.

“After 14 years of hearing the same old worn out tune from the other independent agency companies, it was truly remarkable how Travelers was able to breakdown the myths …Travelers’ procedures match theirgrowth philosophy.”

— David M. Gelia, United Insurance Agency, Williamsville, NY

You can count on Travelers to help youachieve long-term profitable growth.

Ratings listed herein are as of March 21, 2007, are used with permission, and are subject to changes by therating services. For more information on our ratings, visit travelers.com.

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Get more customers

ADVERTISING SUPPORTWe help you build your name and the value of independent agents withour advertising and public relations support that includes:

Newspaper ad templates Radio ad scriptsTV ad scriptsPress release templatesFree standing inserts (FSIs) / Drop adsYellow page ad programSignage program

All of our materials are professionally designed and produced, and can be customized with your own information.

MARKETING COMMUNICATIONSWe have an extensive library of marketing collateral that can be orderedthrough our agent Web site, Agent HQSM. These professionally designedcommunications include brochures, postcards, tent cards, posters anddoor hangers. Most of these items can be imprinted with your agencyinformation, and are available at no cost to you as part of our marketing program.

To see many of our most requested marketing communications, including our popular eCards, visit InSynchTools.com

AGENCY DEVELOPMENT AND CSR SALES WORKSHOPS Free seminars offer proven sales strategies to agents and CSRs. We’ll help you view your business differently and implement importantchanges to your agency.

CUSTOMER CARE CENTERTravelers Customer Care Center is a service facility for your customers, offering after-the-sale administrative support. With our Customer CareCenter services, you can free your staff to sell more.

ACCOUNT ROUNDING MAILINGSOur One2One direct mail program offers mailings toround out your accounts. Mailings include postcards promoting home or auto account round, as well as postcards on boat, flood and umbrella.

CUSTOMER REFERRAL PROGRAMWe offer referral program strategies and support tools, as well as awide assortment of merchandise to support your promotional needs.

SIGNAGEYou can increase your visibility with agency signage. We make it easy to get effective, affordable and durable signage.

PAYMENT OPTIONSWe also offer many payment options. Customers can pay their bill by check, electronic funds transfer (EFT), phone or online at travelers.com.

AGENCY MANAGEMENT SYSTEM TUTORIALSTake advantage of your system’s marketing capabilities. We offer step-by-step tutorials to walk your through running marketing reportsoff of your agency management system, including account rounding.

We offer you the tools you need to get more customers, including:

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Keep morecustomers

with Travelers’ One2One program

One2One. A turnkey approach to growing your business.With Travelers One2One Program, you can connect with customers all year

long via award-winning communications that support your unique business

goals - at a fraction of what it would cost to create materials on your own.

One2One offers a proven, turnkey approach to loyalty communication.

The program has been carefully crafted to:

• Enhance retention and build customer loyalty with the Retention

Program’s strategically timed mailings

• Generate additional revenue with proactive rounding and cross

selling communications

• Reconnect with and win back lost customers

And, with Travelers managing the program, you can spend your time on

what you do best. Growing relationships, growing your business.

SMART INVESTMENT:

• Retention Program

- 3.5 percent* average lift in retention

- Opens lines of communication with

customers and increases satisfaction

- 3:1* average lifetime value ROI

• Rounding Communications

- 3 percent + sales conversion

(2 percent higher than industry average)**

- Valid business reason to uncover

coustomer needs and sales opportunities

- 7:1 One year ROI***

Month 2

Welcome Kit (or Thank You)

Month 4

Helpful TipPostcard

CustomerSatisfaction

Survey

Helpful TipPostcard

Annual Coverage

Review Letter

Welcome Kit (or Thank You)

CustomerSatisfaction

Survey

Helpful TipPostcard

Annual Coverage

Review Letter

Month 5

6 - M O NTH P O LI CYH O LD E R S

Month 10 Month 11

Month 11Month 10Month 6

12 - M O NTH P O LI CYH O LD E R S

Month 2

THE ONE2ONE RETENTION PROGRAM:

RIGHT MESSAGE AT THE RIGHT TIME• Welcome Kit - Re-affirms purchase

decision- Share of wallet

• Satisfaction Survey - Two-way dialogue- Potential sales opportunity- Mitigate unhappy

customers• Annual Coverage Review - Evaluate needs

- “Sales” opportunity- Potential E & O

coverage

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Write more business with

competitiveproducts

Since the time when Travelers issued the very first auto insurance policy in 1897, we’ve built a reputation for product innovation. By mining industry and marketplace changes, as well as consumer trends, we can offer competitive, sophisticated products that meet more of your customers’ needs and help your agency grow.

QUANTUM AUTOSM

Quantum Auto is a revolutionary new auto plan that features state-of-the-artsegmentation and a highly sophisticated pricing model. Unlike traditional autoplans, Quantum Auto determines a customer’s price by considering a multi-tude of driver characteristics and how they interact with one another. Thishighly refined pricing allows you to write a broader range of customers –and to offer our most competitive price for each customer’s unique situation.

AUTOBoth our auto and Quantum Auto plans feature broad coverages with awide range of deductible choices, plus several optional coverages suchas lease gap, towing and labor, and more.

QUANTUM HOMESM

Quantum Home is a new homeowners product that enables you to easilycustomize coverage for your customers. Quantum Home is rich with coverage and unique endorsements, such as “student away from home”and “assisted living coverage”, making it easy for you to personalize homeinsurance proposals for any customer at a competitive price.

HOMEOur homeowners plan offers essential coverages for homes and personal belongings, as well as liability protection for lawsuits. These basic coverages can be enhanced by protection that includes:

Identity Theft Protection ProgramValuable Item Plus Endorsement Peronal Articles Floater (PAF)

We also offer coverage for condominium owners and renters.

PERSONAL LIABILITY (UMBRELLA)For those customers with underlying Travelers auto, we offer umbrella limits of $1 million to $10 million so you can provide your customers with the liability protection they need.

BOAT AND YACHTTravelers is an industry leader in boat and yacht coverage. Our products - including our new Quantum Boat - offer comprehensive,customized protection for boats and yachts ranging from $3,000 to $5million in value. Our dedicated underwriting and claim staff are specialists who understand your customers’ needs.

FLOODAs a participant in the federal government’s National Flood InsuranceProgram, Travelers is one of the largest providers of flood insurance in the country. Quoting and writing flood business is easy through a dedicated Travelers Flood Web site and service center.

WEDDINGWith the average cost of weddings at $27,000, more and more couplesare recognizing the need to insure their investment. Travelers WeddingProtector Plan is a great way for you to reach new customers and introduce them to your agency.

Leading the way with competitive products.

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Conduct business

with ease

Travelers is committed to investing in technology that makes it easier for you

to do business with us – and helps you compete by serving your customers

faster and more efficiently. Recognizing that “one size does not fit all,”

Travelers offers a broad range of real-time and Web-based technology

solutions, so that your agency decides how you want to do business with us.

Agent HQSM — YOUR HEADQUARTERS

FOR AGENCY SUCCESS

Travelers agent-only Web site, Agent HQ, is your one stop for the tools and

information you need to write new business, service customers and support

your agency’s growth. Features include:

Efficient management of agency information with features such as agency

sweep payments, online reports and commission statements.

Access to real-time customer data, including the ability to view customers’

policy, billing and claim information.

Sales and marketing tools that help your agency grow.

Reference and training materials to help you do business.

InSynchTools.com — YOUR DESTINATION FOR TRAVELERS

MARKETING COMMUNICATIONS

InSynchTools.com – our newest agent resource – makes it easy for you to view,

download, and order a wide variety of marketing communications. Communications

can be accessed by insurance product -auto, home, etc., or marketing objective -

obtain referrals, account round/retain existing customers, etc.

QUOTE AND ISSUE THE EASY WAY WITH ATLAS3 (SM)

ATLAS3, our proprietary Web-based issue system offers fast, convenient

quoting and issuing for Personal Insurance products and policy changes

for auto and homeowners.

LINKING WITH YOUR AGENCY MANAGEMENT SYSTEM

For agencies that prefer to use their agency management system,

Travelers offers several options for linking with these systems and other

automation tools agents use:

AMS and Applied

To help you streamline your workflow, Travelers offers real-time interface

with agency automation systems such as AMS and Applied. These links

allow you to quickly, easily and securely view Travelers policies, bills and

claim information – without leaving your agency management system.

Real-Time SEMCI

Travelers was the first to launch real-time SEMCI (Single Entry Multiple Carrier

Interface) which allows your CSRs to key in information into your agency

management system once and retrieve quotes back from multiple carriers.

AUTOMATIC UPDATES

Travelers is also a leader in download capabilities that automatically update

an agency’s management system with new policy data the next business day.

Download capabilities are available for new business, renewals, endorse-

ments, cancellations, reinstatements and direct bill commission statements.

Matching the way you want to do business.

HELPING TO MEET CUSTOMER NEEDS

As the demand for online information and services

continues to grow, our consumer Web sites

offer robust information and many customer

service features:

Travelers.com

The place where consumers turn for information

on Travelers insurance products, claim services

and how to locate a Travelers agent. This site

also features a wealth of safety information

and practical tips on topics ranging from teen

drivers to protecting yourself against

identity theft.

MyTravelers.com

Our customer-dedicated Web site is

available round-the-clock. With just a

few clicks, customers can:

View their policy information

Check their bills and pay online

Check the status of a claim

2006 and 2005 ASCnet

Interface Partner of the

Year Award

For leadership in agencyautomation

2005 ASCnet

Ease of Doing Business

Gold Award

For excellence in

“ease of doing business”

2005 IVANS

Transformation Station

Recognition Award

For outstanding

achievements in developing

real-time interface

technology for agents

2004 and 2003

Applied Users’ Group

Interface Best

Practices Award

Recognizing Travelers’

achievements in offering

interface transactions

RECOGNIZED BY USERS AND PEERS AS A TECHNOLOGY LEADER

Some companies will say they have technology that is agency-focused and easy-to-use.

Travelers’ leading position in technology has been widely recognized – not just by peers

in the insurance and technology industries, but also by the people with hands-on experience

in using our automation solutions. Here are just a few of our recent awards:

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Claim Services: delivering on the promise

Travelers offers comprehensive claim services focused on providing

your customers with fast, effective solutions in the event of a loss.

24/7/365 CLAIMS SERVICE

Our knowledgeable claim professionals are always available to take your

customer’s claim, provide damage mitigation information and even offer

an authorized repair facility for auto damage or auto glass repairs.

YOU KNOW WHEN WE KNOW —

ELECTRONIC CLAIM NOTIFICATION (ECN)

Our real-time claim notification system, ECN, will send an

acknowledgement of your customer’s claim directly to your desktop

through Travelers Agent HQSM, our agent Web site. ECN provides

detailed information on the claim, including claim handler contact

information and loss description. And when a claim is closed,

ECN provides a closing notice with appropriate payment information.

FAST, RESPONSIVE SERVICE

With more than 13,000 claim professionals countrywide, and wireless

technology to receive assignments in real time. Travelers is ready to

quickly and efficiently respond to your customers following a loss.

In most instances, our claim professionals can be on site to inspect

the damage within 48 hours – if not sooner.

TRAVELERS CONCIERGECLAIMSM

Our Travelers ConciergeClaim program makes claims hassle-free

by providing one convenient location for your customer to drop off their

vehicle, receive an estimate and have quality, guaranteed repairs completed.

MOBILE CLAIM HEADQUARTERS

If disaster strikes, we’ll be there. Our on-site catastrophe response teams

are ready at a moment’s notice. With a fleet of custom-built Mobile Claim

Headquarters we can penetrate deep into disaster areas to start helping

your customers immediately.

And with our ClaimTMSM card, Travelers bank card program,

we can issue claim payments quickly to customers who need fast

and flexible access to their funds.

CLAIM UNIVERSITY

Travelers new state-of-the-art 108,000 square foot Claim University in

Windsor, CT features several training laboratories and provides training

to over 10,000 claims professionals a year, both on-site and via video

conferencing, web casting and video streaming. This advanced training

allows us to continue to provide outstanding customer service in an

increasingly complicated claim environment. We know that positive

claim experiences increase customer retention and new business

referrals for your agency. Claim University supports our goal of

providing policyholders with a claim experience that reflects well on

our independent agency partners.

Claim Services: We’re here to help.