PersonalPlans® Auto & Home Insurance For American Standard Employees

FREQUENTLY ASKED QUESTIONS

As an employee of American Standard, you are now eligible for affordable and convenient auto and home insurance through the PersonalPlans® program. Marsh @WorkSolutions, through MetLife® Auto & Home or Travelers Insurance (depending on your state of residence), offers you benefits and conveniences that may not be available to the general public, including special group rates* and policy discounts*.

Q: What are the advantages of purchasing auto and home insurance through PersonalPlans?
A: When you apply for PersonalPlans auto and home insurance, you can benefit from these advantages:

• Special group rates that are only available to employees of select companies
• Money-saving discounts that aren’t offered to individuals outside of your group
• Convenient payroll deduction where your premium payments are automatically deducted from your paychecks
• Personal counseling and step-by-step guidance through many insurance options available to you
• A 24-hour-a-day, 7-day-a-week claim service hotline
• A Guaranteed Repair Program that can refer you to reputable auto body shops conveniently located in your area

Q: What can I insure through the program?
A: There are a variety of coverages available through this program:

• Auto
• Renters
• Home
• Condo
• Boat
• Mobile Home
• Recreational Vehicle
• Fire
• Landlord’s Rental Dwelling
• “Umbrella” (Personal Excess Liability)

Q: I want to save money. Can this program help?
A: As an American Standard employee, you could save 10% on your auto and home insurance. Plus, you could save even more with these policy discounts:

• Driving Safety Course, as much as 10%
• Security System, as much as 20%
• Good Student, as much as 20%
• Multi-car, as much as 20%
• New Home, as much as 20%
• Anti-theft Device, as much as 20%
• Automatic Seat Belts, as much as 10%
• Safety Device (e.g., air bags, anti-lock
• Multi-policy, as much as 5% brakes), as much as 20%

Q: When I have a question about my policy, whom do I call?
A: Simply call Marsh @WorkSolutions at 1-800-626-9011. A knowledgeable benefit specialist will offer you top-notch service whether you’re just calling with a question or want to make a change to your policy.

Q: Who is the insurance carrier for this program?
A: The program’s carriers are MetLife® Auto & Home and Travelers. Marsh @WorkSolutions has
assigned each carrier to specific states based on its rate competitiveness, its underwriting flexibility,
and the quality of its claims service in each area. The chart below indicates your state’s carrier.

Q: How can I find out if PersonalPlans auto and home insurance can give me more for my money?
A: The best way to learn more about the program is to call the toll-free number, 1-800-626-9011,
for a free insurance review and no-obligation quotes. When you call, you’ll speak with a
knowledgeable Marsh @WorkSolutions benefit specialist who can give you all the information
you need. If you choose, you can even apply for coverage while you’re on the phone.

Q: What payment options are available to me?
A: This program offers a variety of payment options:

• Payroll deduction, with no interest charges or service fees
• Automatic checking account deduction
• Mortgagee billing for home/condo insurance
• Other billing options are also available.

Q: If I have an accident, whom do I call to file a claim?
A: When you need to make an auto or home claim, call MetLife Auto & Home or Travelers
directly.

Claims representatives are available 24 hours a day, seven days a week to take your call
regarding an accident or property damage. Even though Marsh @WorkSolutions doesn’t
handle your claim, as your program manager, we are able to answer questions you may have,
should you need any assistance.

Q: What happens if I retire or leave American Standard?
A: Whether you retire or leave American Standard for another reason, you can continue your
coverage without interruption. Retirees also remain eligible for the group rate. Since payroll
deduction is no longer available, most people who retire or leave their employer convert to
monthly checking account deduction because it offers similar features. Other billing options
are also available.

Auto and home insurance is a voluntary program that American Standard makes available to its employees through Marsh @WorkSolutions. American Standard does not sponsor, contribute to, or endorse any service or policy offered under the program. American Standard’s responsibility under PersonalPlans is limited to coordinating payroll deductions for premium payments. If you choose to purchase a service or policy under PersonalPlans, your contract for coverages will be with each insurance provider, and your contract for policy servicing will be Marsh @WorkSolutions.

*Auto/home coverage is available in most states to those who qualify. Coverage, underwritten by MetLife® Auto & Home, is available in most states to those who qualify. In Texas, real property policies are provided by Metropolitan Lloyds Insurance Company of Texas, Irving, TX. In Texas, auto policies are provided by either Metropolitan Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, all of Warwick, RI, or GAINSCO County Mutual Insurance Company, Fort Worth, TX, through an arrangement with Metropolitan Property and Casualty Insurance Company. In some instances, special arrangements for coverage have been made with other carriers. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI. Insurance will be offered through and underwritten by Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford,CT 06183. In Texas, auto insurance will be offered by Travelers MGA and underwritten by Consumers County Mutual. Coverages, discounts and billing options are subject to state availability, individual qualifications and/or the insuring company’s underwriting guidelines. Travelers and MetLife Auto & Home operate independently and are not responsible for each other’s financial obligations.