Robert, age 50, who owns and manages a successful small manufacturing business, has seven employees with a wide range of age and salaries. The business currently has no retirement, life insurance or disability insurance plans, and now chooses to provide benefits to all employees in the proportion that each contributes to the success of the business. The chart below shows several of the most common options available to Robert’s business. Of the five alternatives, only UFG’s Multiplan maximizes management retirement benefits while providing an affordable and meaningful employee benefit plan.

Proposed Total Contribution Amount to Management Percent to Management Current Plan $ 0 $ 0 0% 3% 401(k)* $ 19,964 $ 6,189 31% 25% Defined Contribution* $ 147,925 $ 41,419 28% Traditional Defined Benefit* $ 303,000 $ 127,260 42% 412(i) Defined Benefit* $ 484,682 $ 203,566 42% UFG's Multiplan Life, Disability and Retirement $ 239,895 $ 203,910 85% *Retirement Only

UFG’s Multiplan was able to: Provide meaningful benefits, including life, disability and retirement benefits for all employees Meet the company’s corporate budget requirements and management benefit and retirement goals Fund the program with fully tax deductible dollars