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ARLHU - The Future is Now! Atlantic Regional Life and Health Underwriters Annual Sales Conference & Exhibition May 13-15, 2013 New Jersey Association of Health Underwriters A Packed Exhibit Hall, Industry Networking Opportunities, 11 CE Courses, Exciting Speakers, Breakout Sessions and Prizes. New this year the World Premiere of the ARLHU Lounge! The ARLHU Conference is loaded with everything you need, right now! Why should you attend? Newly Updated and Timely Continuing Education Courses Networking Opportunities with Industry Leaders Sales and Marketing Strategies to Make This the Best Year Ever Eye-Opening Technology to Increase Your Bottom Line The Latest in Legislative Updates and Inside Information Important Information on Wellness for You and Your Clients HIAPAC Who Will Wear the Tutu Contest Details to Come! This year s ARLHU Conference is packed with opportunities to network with customers, colleagues and suppliers. It all starts with the annual ARLHU Golf Outing at Seaview Dolce on Monday, May 13. Two CE Sessions will be held on Monday and the Exhibit Hall will be open for our Welcome Cocktail Reception and a preview of the latest in products, services and programs from leading suppliers. A visit to the exhibit hall also gives you a chance to win exciting prizes! Tuesday, May 14 will be action packed beginning with NJAHU and NAIFA-NJ House of Delegates meetings. After our morning speakers, we will have breakout sessions back by popular demand, and the exhibit hall will be open for lunch for plenty of opportunities to visit your favorite vendors, meet some new ones, and win more prizes. Then a CE Session is followed by Tuesday evening s World Premiere of the ARLHU Lounge. Be our VIP Guest for a fun evening of music, food, drinks and entertainment including Oz. You won t want to miss Oz. Golf on Monday by Popular Demand! It all wraps up on Wednesday, May 15 with an important CE course on ethics. You are guaranteed to head home geared up for the future right NOW! ARLHU 2013 Conference Sponsors The ARLHU Conference would like to recognize and thank the following companies for their sponsorships. We welcome additional companies who would like to support ARLHU in any way. Please note that as a conference sponsor you receive an exhibit booth and other benefits. Please contact the NJAHU office at info@njahu.org or 908-349-0789 for sponsorship or other exhibitor opportunities. Platinum Sponsor Horizon Blue Cross Blue Shield of NJ Overall Conference Sponsor Titanium Sponsors UnitedHealthcare Overall Golf Sponsor MagnaCare Keynote Speaker Gold Sponsors Savoy Associates Overall Education Sponsor AmeriHealth Name Badge Sponsor Silver Sponsors Slattery GA, A division of Bollinger Welcome Cocktail Reception Sponsor O.C.A. Benefit Services Wellness Sponsor Professional Group Plans Tuesday Cocktails Sponsor Bronze Sponsors Aetna BBQ Lunch Sponsor at Golf Course Benefit Mall - Breakfast Sponsor at Golf Course Richard Oscar & Associates - Speaker Hall Breakfast Sponsor Prudential - Healthy Choice Meal Sponsor

ARLHU Conference Information Dates to Note on Your Calendar 3 weeks prior: Friday, April 19, 2013 Hotel Room Block Reservation Deadline 3 weeks prior: Friday, April 19, 2013 Early Bird Registration Deadline 2 weeks prior: Sunday, April 28, 2013 Cancellation Deadline Registration Information Included in your three-day registration is access to all three days of Continuing Education Sessions and both sessions in the Exhibit Hall. Also included are Monday s Boxed Lunch and Welcome Cocktail Reception, Tuesday s Breakfast, Lunch, Coffee Break, Cocktails and Dinner at the ARLHU Lounge, plus Breakfast and a CE course on Wednesday. The Golf Outing is not included in your conference registration. One-Day Tuesday Registration includes Tuesday Breakfast, Lunch, access to the Exhibit Hall and a Coffee Break. One-Day registration does not include admission to the ARLHU Lounge Guest tickets can be purchased for admission to the ARLHU Lounge for cocktails, dinner, music and entertainment. Golf Registration includes breakfast and a BBQ Lunch on Monday, May 13. Early Bird Registration Deadline is Friday, April 19, 2013 Register early and save $40! Register online and save $50! Register early and online for a savings of $90! Members: Three-Day Full Conference Registration (Mon, Tues, & Wed) One-Day Conference Registration (Tuesday, May 14, 2013) Dinner Guest for the ARLHU Lounge (Tuesday, May 14, 2013) Non-Members: Three-Day Full Conference Registration (Mon, Tues, & Wed) One-Day Conference Registration (Tuesday, May 14, 2013) Dinner Guest for the ARLHU Lounge (Tuesday, May 14, 2013) Cancellation policy: Cancellations must be received in writing either via email to info@njahu.org or by fax to 908-292-1177. Cancellations received by Sunday, April 28, 2013 will receive a full refund. Cancellations received after Sunday, April 28, 2013 will not be eligible for refunds, however your registration is transferrable and you may send someone in your place. Please note that if you cancel your conference registration, it does not constitute cancellation of your hotel reservation. That is your responsibility. Hotel Information: Tropicana Casino & Resort 2831 Boardwalk Atlantic City, NJ 08401 Phone (800) 345-8767 www.tropicana.net Early Bird Registration After 4/19/13 By Mail/Fax Online By Mail/Fax Online $250 $175 $155 $300 $225 $205 $200 $125 $105 $250 $175 $155 We are pleased to offer the following special rates for this conference from Sunday, May 12 Wednesday, May 15, 2013. All Rooms: Single/Double Occupancy: $71. Third or Fourth Additional Guest: $25 each Please request the group rate for New Jersey Association of Health Underwriters. Group Code HARLH13 Contact hotel for suite information. Hotel room rates are subject to applicable state and local taxes in effect at the time of check-in (currently 14% plus occupancy fee of $10 per night). Parking: $5 per stay with unlimited re-entry. Deadline for the group room rate is Friday, April 19, 2013 based on availability in the room block. Reservations can be made directly with the Tropicana Casino & Resort by calling 800-247-8767. $290 $215 $195 $340 $265 $245 $240 $165 $145 $290 $215 $195

AGENDA Monday, May 13, 2013 ARLHU Annual Sales Conference and Exhibition Activities held at Tropicana 7:00am 3:00pm Noon-8:00pm Noon-6:00pm Noon-2:00pm Golf Outing at the Seaview Dolce Golf Course, sponsored by United Healthcare (Includes breakfast, see page 6 for more information and golf schedule) Conference Registration is Open Vendor Set-up CE Course Session 1: (two credits each), Boxed lunch will be provided Sponsored by Savoy Associates, Overall Education Sponsor Steve Honig - Consumer Directed Health Plans Post PPACA approved for NJ and PA Credits Joan Fusco Federal Health Care Reform updates approved NJ / PA / NY credits Instructor TBD - Disability Income for Individuals #0500524 approved for NJ 2:30pm-4:30pm CE Course Session 2: (two credits each) Sponsored by Savoy Associates, Overall Education Sponsor Ralph Lagriola Life Insurance Fundamentals Joan Fusco Federal Health Care Reform Updates - approved NJ / PA /NY Christine Guzzardo - Wellness Under PPACA - approved NJ #88893385/ PA #119792 / NY #237570 6:00pm-8:00pm 8:00pm Open Cocktail Reception (Open Bar) in the Exhibit Hall Sponsored by SlatteryGA, a division of Bollinger Attendees and exhibitors are on their own for dinner. Private Carrier Dinner/Events are encouraged for this evening and not during Tuesday Night s World Premiere of the ARLHU Lounge. Access to private hospitality suites by invitation only on Monday evening.

7:00am-6:00pm 7:00am-9:00am 8:00am-9:00am 9:00am-11:30am Tuesday, May 14, 2013 ARLHU Annual Sales Conference and Exhibition Activities held at Tropicana Registration is Open Breakfast NJAHU and NAIFA-NJ House of Delegates Meetings General Session, Featured Speakers and Awards 11:30am-4:00pm Keynote Speaker: Ward Sanders, Esq., President of NJ Association of Healthcare Keynote Speaker: Mark S. Gaunya, GBA, LIA, Principal at Borislow Insurance, coauthor of Bend the Healthcare Trend and President of Massachusetts AHU for the past four years Featured Speaker: Matthew Goerke, America s Memory Master, Creator of The Memory Switch Program Exhibit Hall Open 11:30am-12:30pm Breakout session #1 12:00pm-2:00pm 12:30Pm-1:30pm Breakout sessions will feature Steve Honig of O.C.A. Benefit Services, Ryan Petrizzi of AmeriHealth, Michael Jordan of MagnaCare, & Matthew Goerke. Check www.njahu.org for Breakout Session topics to be announced soon. Lunch in Exhibit Hall Raffle Drawings in Exhibit Hall 1:30pm-2:30pm Breakout session #2 2:30pm-3:30pm 3:30pm-5:30pm Raffle Drawings in Exhibit Hall CE Course session #3 (two credits each) Sponsored by Savoy Associates, Overall Education Sponsor 6:30pm-10:30pm 7:30am-9:00am Please note: as national health issues evolve, the latest information will be included. Michael Castrillon Group Ancillary - approved NJ / PA / NY Joan Fusco Federal Health Care Reform and Exchanges - approved NJ / PA/ NY Instructor TBD PPACA Compliant Annuities approved for NJ Steve Milazzo Understanding the Senior Market #0501378 approved for NJ Don t miss the networking event of the year! The ARLHU Lounge makes its debut this year with great food, music and entertainment that you will talk about all year. Featuring raffle drawings for great prizes! And don t forget about Oz. You won t want to miss Oz! Wednesday, May 15, 2013 ARLHU Annual Sales Conference and Exhibition Activities held at Tropicana Breakfast outside of CE Course 9:00am-11:30am CE Course Session 4 (three credits) Please note: as national health issues evolve, the latest information will be included. Joan Fusco Biomedical Ethics - contributes to the NJ Ethics requirement NJ #502630 / NY #237643 / PA #119907

Annual ARLHU Golf Outing Sponsored by UnitedHealthcare Location: The Seaview Dolce 401 South New York Road Galloway, NJ 08205 Phone: 609-652-1800 Agenda: 7:00 am Golf Registration 7:30 am Continental Breakfast 7:00 am 9:00 am Onsite Chair Massage available at Seaview Dolce 9:00 am Tee Time at both the Bay and Pines Golf Courses 2:00 pm 4:00 pm BBQ Lunch Registration Information: Greens fees include the BBQ Lunch Register early and save $40! Register online and save $50! Register early and online for a savings of $90! Members: Individual Player Non-Members: Individual Player Early Bird (Before 4/19/13) After 4/19/13 By Mail/Fax Online By Mail/Fax Online $225 $175 $265 $215 $900 $700 $1060 $860 $275 $1100 $315 $1260 Golf sponsors The ARLHU conference would like to recognize and thank the following companies for their golf sponsorships. We welcome additional companies who would like to support ARLHU in any way. Please contact the office at info@njahu.org or 908-349-0789 for sponsorship opportunities. $225 $900 $265 $1060 Overall Golf Sponsor United Healthcare Sponsorships Still Available! Breakfast Sponsor BenefitMall Golf BBQ Sponsor Aetna Beverage Cart Sponsors Choice Strategies Emerson Reid Onsite Chair Massage Sponsor North Chapter NJAHU Prize Sponsor Martin Financial Group

2013 ARLHU Attendee Registration Form Save $50 by registering online at www.njahu.org 2013 Atlantic Regional Life and Health Underwriters Annual Sales Conference & Exhibition May 13-15, 2013 Tropicana Casino Resort, Atlantic City, NJ 2831 Boardwalk, Atlantic City, New Jersey 08401-6338 (609) 340-4000 Toll Free: (800) 345-8767 Name: Email: Company or Organization: Street Address: City, State Zip: Phone: Fax: I am a member of (check all that apply): NJAHU NAIFA-NJ NYSAHU PAHU HANJ NAILBA Members of these associations may register at the member rate. Conference Registration (Does not include golf outing) SAVE $50 by registering online at www.njahu.org Members: Three-Day Full Conference Registration (Mon, Tues, & Wed) One-Day Conference Registration (Tuesday, May 14, 2013) Dinner Guest for Banquet Dinner (Tuesday, May 14, 2013) On or Before 4/19/13 After 4/19/13 $250 $175 $155 $290 $215 $195 Non-Members: Three-Day Full Conference Registration (Mon, Tues, & Wed) One-Day Conference Registration (Tuesday, May 14, 2013) Dinner Guest for Banquet Dinner (Tuesday, May 14, 2013) $300 $225 $205 $340 $265 $245 Conference Registration subtotal Golf Outing Registration (Does not include Conference registration, Cocktail reception or Banquet dinner) SAVE $50 by registering online at www.njahu.org Members: Individual Player Non-Members: Individual Player On or Before 4/19/13 After 4/19/13 $225 $265 $900 $1060 $275 $315 $1100 $1260 Names: 1. 2. 3. 4. Golf Registration Subtotal: Individual Player Please pair me with: To guarantee your registration, please register online at www.njahu.org or fax to (908) 292-1177, then follow up with your mailed payment if paying by check. You may pay by credit card or check when registering online. Full payment guarantees your attendance. Make checks payable to NJAHU. Mail to NJAHU, 45 Academy St., Suite 501, Newark, NJ 07102. Invoice Requested Credit Card: Amex Visa MasterCard Discover Total Charge: Credit Card Number: Exp Date: Print Cardholder s Name: Signature: Cardholder Address: Contact the NJAHU Office, Phone: (908) 349-0789, Fax: (908)292-1177, Email: info@njahu.org

New Jersey Association of Health Underwriters 45 Academy Street, Suite 501 Newark, NJ 07102 Register Today! Atlantic Regional Life and Health Underwriters Annual Sales Conference & Exhibition May 13-15, 2013 Tropicana Casino & Resort Atlantic City, New Jersey www.njahu.org atlantic regional life and health underwriters annual sales coference and exhibition A Packed Exhibit Hall, Industry Networking Opportunities, 11 CE Courses, Exciting Speakers and Breakout Sessions. Introducing the World Premiere of the ARLHU Lounge! The ARLHU Conference is Here and The Future is Now! KEYNOTE Speaker: Mark S. Gaunya, GBA, LIA Principal at Borislow Insurance, co-author of Bend the Healthcare Trend, President of Massachusetts AHU Mark is an employee benefits advisor with over 23 years of experience in the employee benefits industry. Mark has been quoted and published regionally and nationally in the Wall Street Journal, Boston Globe, and Boston Business Journal. As a trusted insurance and financial advisor, consultant, author, businessman and President of the Massachusetts Association of Health Underwriters for the past four years, Mark has had his hand on the pulse of Massachusetts healthcare reform well before 2006. KEYNOTE Speaker: Ward Sanders, Esq. President of the New Jersey Association of Health Plans As President of the New Jersey Association of Health Plans, Ward leads the state trade association that represents all nine of the major health plans in New Jersey, including five Medicaid health plans. He became President in October of 2006, after serving as Vice President for seven months. FEATURED Speaker: Matthew Goerke America s Memory Master, Creator of The Memory Switch Program. Matthew Goerke is regarded as one of America s leading experts in the field of Memory Development. He has shared the techniques for developing an instant recall memory with thousands of business professionals from all walks of life with results that can only be described as amazing. Matthew is the developer of the Memory Switch Program the most utilized program of its kind.