Voluntary Benefits of America (VBA) will transform the voluntary benefits enrollment process for employers and insurance brokers alike. VBA's user-friendly AutoApp^TM software (patent pending) reduces the enrollment interaction with employees to less than five minutes, eliminating many of the challenges that have traditionally made the enrollment process a headache for employers and brokers.

One-on-one employee meetings are no longer necessary with AutoApp^TM. Employees may be enrolled in group meetings, or they may enroll themselves, making the enrollment process much less disruptive for employers and enabling brokers to offer supplemental voluntary benefits just as they do core benefits, without using an enrollment firm or carrier agent. VBA's enrollment process is flexible enough to complement an existing open enrollment process (either online or onsite), but the enrollment process need not be tied to the core benefit enrollment program.

The key to AutoApp is the elimination of many of the challenges of a traditional voluntary benefit enrollment. We incorporate the best of limited interaction with the employee, by presenting personalized enrollment documents, with the best of an electronic enrollment platform that eliminates any chance of error because of keying missteps or multiple database discrepancies.

AutoApp^TM is not "an idea" but a proven enrollment process that leads to:

• No enrollment firm required
• No carrier enrollment team needed
• Can be implemented during open enrollment (online or onsite compatible)
• Offers group GI products instead of traditional underwritten individual worksite products
• The enrollment process is educational and eliminates a "hard sell"
• Results are equal to or exceed traditional results
• No one-on-ones required
• Enrollment takes less than five minutes
• Can be enrolled in group meetings or self enrolled by the employee
• Sustains itself with no abandoned accounts
• Gives the producer control over the process and employer relationship

In the course of AutoApp's six-month beta testing period, over 7000 employees have been enrolled. Participation results have been equal to or greater than traditional enrollments.