CIA-Leavitt Insurance Agency provides insurance and risk management solutions to commercial groups, associations, and governmental entities. They are a full-service agency and member of the Leavitt Group, one of the largest insurance agencies in the US. CIA-Leavitt works as a business partner with clients to build lasting relationships and develop long-term solutions through consistent, quality service.

1. Presentation of Services
100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.0242
5585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.5973
7300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com

3. CIA Leavitt Insurance Agency
Our team consists of insurance professionals with a wide
We view our role as more than your insurance agent.
range of expertise, many of whom are considered leaders
As your business partner we are committed to building
in their respective fields. We foster in all our employees
lasting relationships with both our clients and the
the need and drive to pursue education surpassing any
insurance companies we represent. We do this by
requirements set forth by the Division of Insurance. We
providing consistent quality service and by developing
are confident in our insurance knowledge, and believe
long-term solutions to manage your business and personal
this is critical in providing our clients with successful risk
exposures.
management solutions.
CIA-Leavitt is a full service agency providing the strength
Since our agency was founded in 1982, our focus
and experience of a large national brokerage, yet the
on relationships of trust, industry knowledge, and a
personal touch of a locally-owned independent insurance
willingness to serve sets CIA-Leavitt Insurance Agency
agency.
apart.
CIA-Leavitt Insurance Agency is a member of the Leavitt
Choosing CIA-Leavitt Insurance Agency will assure
Group, the 14th largest insurance agency in the United
you competitively priced insurance products, risk
States with over 115 locations to serve our clients needs.
management solutions guidance from leaders in the
The Leavitt Group writes over $1.5 billion in insurance
industry and unparalleled service an attention.
premiums annually. Our affiliation with the Leavitt Group
provides us with the key management service, specialty
products and insurance company access to create a more
competitive and stable insurance environment for our
clients.

4. Our Advantage
We represent a variety of accounts, including commercial
groups, associations, and governmental entities. This
We broker the following products,
diversification of clientele gives us a unique market
which are offered on a fully insured or
advantage.
partially / self-funded basis:
HEALTH We are committed to building life-long relationships with
clients and insurance carriers by providing consistent and
DEnTAL
quality service. As a result, over the last decade our firm
VISIOn has a high client retention rate throughout the industry.
CAFETERIA / FSA / SECTIOn 125
Our employees not only have broker expertise, but
HEALTH REImBURSEmEnT ACCOUnTS have vast experience working for carriers in the areas
of management, sales, billing, underwriting, appeals
HEALTH SAVInGS ACCOUnTS
committee and customer service.
LIFE / AD&D
SHORT TERm DISABILITy We maintain elite status with all major insurance carriers.
Our agency has an excellent relationship with each carrier,
LOnG TERm DISABILITy
and we offer an unbiased point of view. As a trusted
VOLUnTARy SUPPLEmEnTAL PRODUCTS steward for our clients’ benefits, our goal is to work
hard to continually meet your needs. We look forward to
providing a competitive benefits package to you and
your employees.

5. Our Service Team
We have assembled a team of professionals that
will be extensively involved with your company. Our
consulting and service team have a tremendous amount
of experience and knowledge in the employee benefits
industry and provide a well-balanced approach to
benefit planning.
Consultant / Producer
your producer has extensive experience in the group
benefits industry and will coordinate the breadth of our
benefits services and support personnel. In particular, your
producer will assist you in the following areas:
Coordinate Client needs
Fact finding and information gathering
Benefits Evaluation
Plan design, employer contribution requirements,
participation, cost, risk, network, client goals, carriers,
products and services
negotiation
Renewal rates, benefit designs, bids, decrements
and other options
Underwriting methodologies
Reports, renewal data, strategies, cost savings,
market and industry trends
Creative Solutions
Risk sharing, consumer engagement, wellness,
communication and network review

6. Our Service Team
Account Manager
Our clients are assigned a full-time account manager,
regardless of the company’s size. In addition to
helping you understand your benefit plan(s), your
Account manager can assist you with the following:
Employee Benefit Booklet
Combined benefits in one source
Open Enrollment
Coordination of meetings with carriers and vendors
Claim Resolution
Assistance with complex and escalated claim issues
Billing Reconciliation Assistance
Support for billing questions and issues
Employee Q&A meetings
Educational meetings on benefits for employees
Wellness and Health Fairs
Screening and health information
Employee Surveys
Identify employee satisfaction of benefits package
and other desired products
Set Up and Ongoing Support of Services
Benefits Value-Added Services
Underwriting, COBRA Administration,
Human Resources Services, Wellness and
Online Services

7. Our Service Team
Administrative Support Staff
Request For Proposal Process
Coordinate, fine tune and package data for carriers
Carrier and Product Knowledge
Accurate benefit options for the individual needs of
each group
Plan Comparison and Spreadsheets
Information compiled into a concise format
Funding Comparisons
Compare the impact of employer and employee cost
Dedicated Enrollment Assistance
Emails or faxes information and confirms additions and
terminations on group plans
Client Seminars
Annual and bi-monthly relevant benefit seminars
Escalated Claim Support
Our team will act as liaisons between the patient,
the insurance carrier, and the provider

8. Value-Added Services
We are built upon a tradition of integrity, industry
UnDERWRITInG
leadership and excellence. We are committed to
Data driven negotiation
delivering tailored benefit solutions with thoughtful
and decision making
strategic planning, valuable professional services and key
based solutions.
COBRA / COLORADO
ADmInISTRATIOn We are proud to offer cutting edge value-added services.
Full management, liability and These in-house services are provided at no additional
complete compliance cost. Our value-added services are, in part, what sets us
apart from other brokerages.
HUmAn RESOURCES SERVICES
Experienced consulting, workshops
and ongoing support
WELLnESS
Wellness programs, resources
and education
OnLInE SERVICES
Benefits website, online tools
and electronic enrollment
COmPLEx CLAImS RESOLUTIOn
Full assistance in reconciling
difficult claims

9. Underwriting
We have an aggressive approach to
underwriting. By combining our underwriting
SmALL EmPLOyER (2 - 50 EmPLOyEES)
department‘s expertise with our producers’
• Preparation of underwriting packets
knowledge and carrier data, we are able to
• Limited plan utilization review achieve the most desirable renewal.
• Comprehensive electronic application and
underwriting We have identified a unique formula from
data that carriers use to develop rates
• Screening of health applications for accuracy
for groups. Each element of this formula
• Participation calculator, ensure compliance and provides us leverage in negotiation.
contribution
• Employee class analysis and industry review
LARGE EmPLOyER (ExPERIEnCE RATED)
• Compilation of data into a management reporting tool
• Quarterly analysis and presentation of reports and
plan utilization
• Recommended plan design and funding changes with
long term cost benefit
• Package client information to aid in achieving the
most aggressive rate proposals
• Plan and budget projections for future rating actions
• Review rating actions directly with carrier
underwriters to verify that rating information is
accurate and fair

10. COBRA / Colorado Continuation
We provide complete COBRA administration. We enroll
and maintain participants, track time frames, and collect
Sample Notices Include:
and reimburse premiums.
GEnERAL nOTICE
Our team effectively and accurately manages the IRS
QUALIFyInG EVEnT ELECTIOn nOTICE
mandated forms and language requirements. We become
COnVERSIOn nOTICE the intermediary between employers and COBRA
participants.
PREmIUm BILLInG nOTIFICATIOn
(InVOICES)
This process ensures full COBRA compliance and peace of
nOTICE OF DIVORCE mind for the client.
ExPIRATIOn nOTICE
nOTICE OF InSIGnIFICAnT PREmIUm
UnDERPAymEnT
nOTIFICATIOn OF PLAn CHAnGE AnD RATE
nOTIFICATIOn OF TERmInATIOn FOR
nOnPAymEnT
Employer Reports:
mOnTHLy PREmIUm REPORT
REImBURSEmEnT CHECK
mOnTHLy TERmInATIOn REPORT

11. Human Resources Services
We offer a full spectrum of Human Resource services
support. We recognize experience varies in each
WORK SHOPS
company’s Human Resource department. Therefore our
ADA (Americans with Disabilities Act)
services range from validating simple issues to resolving
Effective Communication/Feedback
complex matters. The unbiased consulting we provide is
FLSA (Fair Labor Standards Act)
responsive and available with unlimited access.
FMLA (Family and Medical Leave Act)
Hiring/Firing Guidelines
Sexual Harassment Awareness
Title VII (discrimination)
Leave of Absence
SUPPORT & TRAInInG
Union Advice
Workers Compensation 24-Hour Phone Access
USERRA (Uniformed Services Employment and Timely Email Response
Reemployment Rights Act) Weekly Newsletter
Performance Review Training
TEmPLATES Job Description and Postings
Employee Handbooks
Wage and Hour Issues
Employee Opinion Surveys
Job Application Review
Job Applications
I9 Compliance
Job Descriptions
Union Advice
Leave Request Forms
Updated Human Resource Forms
Severance Agreements
Discounted background checks and drug testing available

12. Wellness
Our wellness services include a wide range of resources,
programs and support to assist clients with worksite
COORDInATIOn OF CARRIER
wellness initiatives. most adults spend more of their
PROGRAmS AnD RESOURCES
waking hours at work than anywhere else, making it a
EmPLOyER WORKSHOPS
prime venue for promoting healthful habits.
WORKPLACE EVALUATIOnS
Importance of Worksite Wellness
EmPLOyEE InTEREST SURVEyS
• Reduce absenteeism
• Improve productivity and attendance
EVEnT SUPPORT
(InCLUDInG HEALTH FAIRS) • Control increasing health care costs
• Improve employee morale and retention
PLAnnInG AnD COORDInATIOn
• Reduce injuries
OF BIOmETRIC
SCREEnInG SERVICES* Through our experience, we have found the success of
the wellness campaign depends on the communication
HEALTH EDUCATIOn mATERIALS,
and support of the management team. The result of this
TIPS AnD nEWSLETTERS
finding was the genesis of the wellness department and
the implementation of the listed services.
*A fee may be associated with actual screening services.

13. HRconnection
HRconnection is an easy-to-use employee website that
serves as a custom company information and employee
benefits expert. For employees, it provides 24-hour
access to company and benefits information from any
computer with internet access. For employers and human
resources personnel, HRconnection increases productivity
and cost savings by providing employee self-service and
improving employee communication efforts.
HRconnection Helps Employers
• Comprehensive on-line enrollment
• Communicate with employees and solve human
resources challenges
• Improve employee satisfaction
• Save money
HRconnection Helps Employees
• Instantly access up-to-date company and benefits
information and useful forms
• Connect to comprehensive human resources
information 24-hours-a-day, 7-days-a-week
• Learn about career growth opportunities, job postings,
and training programs
HRconnection Helps Human Resources
• Efficiently showcase benefit programs to employees
and their families
• Communicate important company information to all
employees in a consistent, timely and useful manner
• Attract and retain valued employees by portraying a
high-quality image

14. MyWave
myWave is your pass to a dynamic world of employee
benefits and human resources tools and information.
myWave is an Internet-based client center that gives you
real-time access to our products and services.
MyWaveHR
MyWaveHR provides access to articles covering a
variety of topics, comprehensive legislative guides,
HealthShop newsletters, and links to industry related
websites.
Benchmark Surveys
Allows you to determine how your plans and
programs compare to other employers across the U.S.
MyWave Community
Share information and resources via the community’s
interactive forum, post questions to your peers,
provide insight into other users’ questions, and track
responses based on topics or individual questions.
Collaboration Center
Our two-way document posting capabilities allow
a seamless exchange of information sharing
and collaboration. You can download and share
documents, make updates, and track a document’s
history-simplifying updates to reports, worksheets,
questionnaires and policies.

15. Broker Comparison
your Our
Current Broker Services
Strength in We are an affiliated agency of the Leavitt Group, which provides service to over 1,500 benefit clients
Numbers throughout the West.
Insurance Carrier We maintain an elite carrier status based on our overall premium and membership volume. This
Relationships positions us in a unique, mutually respectful relationship between our carrier and clients.
Consultants/ Our consultants/producers possess extensive experience and knowledge in the group benefits
industry. Their primary focus is to coordinate our value-added services with our support personnel and
Producers to implement dynamic plan design solutions resulting in superior client satisfaction.
Combining our unique and aggressive approach to carrier negotiations with our underwriting
Annual Review methodologies, we work closely with our clients to provide creative cost-saving solutions.
Innovative Plan Our creative approach to benefit plan design has proven to be successful for long-term employer
Designs solutions.
Account We have gleaned the industry’s top service account managers to coordinate each client’s enrollment
meetings, employee communications, complex claim resolution, and all our value-added services.
Managers They provide invaluable support to human resource and benefits professionals.
Employee Benefit We provide a variety of communication tools including benefit books, CDs, DVDs, and
web access that will educate employees and their dependants on their benefits package. These
Communications contribute a valuable resource to employees at open enrollment and throughout the plan year.
Spanish We have access to effective industry professionals who are a direct contact for Spanish speaking
Translation employees and can assist with open enrollment, claims resolution and day-to-day questions.
Employee We host a variety of seminars throughout the year, in addition to a full day annual seminar, covering
Training/Seminars diversified topics relating to benefits and human resources responsibilities and compliance.
Our experienced in-house underwriting department provides our clients with customized reports and
Underwriting analysis. They will verify that rating information from the carrier is accurate and fair and will suggest
alternative financial solutions.
Reporting For large groups, carriers will supply monthly utilization reports. We compile the reports in a concise
Capabilities format to help us recognize utilization trends and offer benefit insights.
COBRA We provide complete in-house COBRA administration. We enroll and maintain participants, track time
Administration frames, and collect and reimburse premiums.
Human Resource We offer Human Resource consulting services to enhance and support our clients’ management
responsibilities. These in-house services include compliance audit, employee handbook review,
Services human resource trainings and seminars and performance review training.
Our in-house wellness department connects our clients to programs and resources, and also provides
Wellness services to support their worksite wellness initiative.
We offer our clients access to a customized employee website. This site can assist a human resource
HRconnection manager with open enrollment as well as communicate human resource and benefits information to
employees and their families.
This web-based client center assists our clients with the dynamic world of insurance and employee
MyWave benefits by offering them real time access to us as well as to an online library of benefits and human
resource documents.
Compensation We will provide our clients’ employees with a customized statement illustrating each employee’s true
Statements annual income by detailing the amounts the employer contributes toward each employee’s benefits.

16. 100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.0242
5585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.5973
7300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com