Health Coverage that Goes Far & Beyond

A successful company is one built from a strong foundation that can support its boundless growth throughout the years. It demands the delivery of excellent products and astonishing service nurtured by a culture of experience, knowledge and cooperation. MultiNational Underwriters and Travel Guard International are such companies. This is why.

History
"History is a relentless master. It has no present, only the past rushing into the future."
-John F. Kennedy (1917-1963), U.S. President

MultiNational Underwriters, Inc. (MNU) was established in 1998. It quickly became a recognized leader in the field of international health insurance, offering a complete portfolio of health and life insurance products to customers in over 130 countries. Sensing the increasing acceptance of the Internet as a medium for commercial transactions, MNU was among the first to make insurance products and services available via the World Wide Web. This innovation has continued to evolve and, at present, MNU customers can review coverage options, obtain quotes, purchase insurance and receive their insurance documents - all electronically, without human intervention, 24 hours a day. Today, many thousands of international insurance professionals host MNU's electronic tools on their websites, and this number continues to grow.

MNU's entrepreneurial spirit does not stop in the marketing department. From its beginning, MNU has focused on providing superior customer service. Emphasizing creative yet solid solutions to the administrative difficulties and service barriers inherent in the international market, MNU has attracted a team of professionals - including underwriters, claims analysts, and customer service specialists - that are unrivaled in today's market. Augmented by state-of-the-art information technology services, MNU delivers on its promise of astonishing service that adapts to the changing needs of its customers.

In 2002, MNU was purchased by the Travel Guard International group of companies. This unique and progressive organization, with service offices throughout the world, positioned MNU to transform its customer service department to a full travel and international assistance platform. This allowed MNU to enhance and expand its product offerings, and enthusiastically face the challenges of the ever changing global marketplace.

Product Excellence
"With regard to excellence, it is not enough to know, but we must try to have and use it."
-Aristotle (384 BC - 322 BC), Greek Philosopher

MNU's excellent products are known and used daily by many thousands of individuals, families, corporations and service groups around the world. These products are all designed with the unique needs of the international market in mind.

The international market includes:
o U.S. citizens traveling or residing abroad.
o Non-U.S. citizens traveling or residing outside of their home countries, or desiring to supplement their home country health insurance plans.
o U.S.-based corporations with employees and their families traveling or residing abroad.
o Non-U.S.-based corporations with employees and their families traveling or residing outside their home countries.
o Mission-sending organizations with missionaries serving outside their home countries.
o Colleges and universities with students or teachers and their families traveling or residing outside their home countries.

All of MNU's products include a full array of assistance services, designed to help take the hassle out of international travel and living. These assistance services set MNU's products apart from the competition and make MNU the most responsive company in the international market. Individual brochures of our complete product offerings may be found in this folder, or online at www.mnui.com.

Service
"The sole purpose of business is service."
-Leo Burnett (1891-1971), Advertising Executive

Traditional Midwestern values coupled with state-of-the-art information and telecommunications technology form the foundation of MNU's customer service capabilities. Headquartered in Indianapolis, Indiana, MNU's team of customer service specialists are available 24 hours a day, seven days a week to respond to customer needs. MNU's team has instant access to service specialists located in Stevens Point, Wisconsin; Ft. Lauderdale, Florida; Brighton, England; Toronto; Moscow; and Buenos Aires. No matter the time zone, no matter the language, no matter the culture, MNU has the resources to provide its customers with the service they need, when and where they need it most. The need may be as simple as replacing a health insurance identification card or as complex as coordinating an emergency evacuation. In any case, MNU is there around the clock. While we pride ourselves on delivering our products electronically, we also realize that computers can never replace a knowledgeable and compassionate voice in a time of need. Well-trained and experienced people are available all day, every day. This is truly "Health Coverage that Goes Far and Beyond."

Culture
"I came to see that culture isn't just one aspect of the corporate game - it is the game."
-Louis Gerstner (1941- ) Retired Chairman & CEO of IBM

Culture must be experienced. It cannot be adequately communicated by the printed word or with pictures. MNU strives to create an environment where happy, experienced and well-trained employees want to give astonishing service. We strive for product excellence and succeed because of our hardworking and knowledgeable staff. MNU offers technology with a human touch. Our staff has developed this touch by embracing proven habits of success, by regularly sharing insights, and by sharpening the skills that make them great at what they do. While growing revenues and increasing profits are important, MNU recognizes the need to give back to the local and global communities where we do business. Our companies and its employees are involved in a number of diverse projects that help children, the disadvantaged, and promote health care education and diversity. MNU invites you to experience the difference that an enlightened corporate culture can make.