The College Tuition Benefit®

College Tuition Benefit® makes it possible for our benefit partners to provide participants' and policy holders' children, grandchildren, nieces and nephews with guaranteed college scholarships at almost 40% of the National Association of Independent Colleges and Universities, NAICU, thereby addressing American families number one financial and lifestyle concern.

What we do for our benefit company partners

How we deliver financial results for our benefit partners

The importance of what we do for our benefit company customers

Demonstrated increases in sales and persistency

An exclusive benefit that cannot be duplicated by competitors.

College Tuition Benefit® is addressing American families' number one financial and health concern, paying for a college education and achieving a healthy lifestyle.

What we do for our benefit company partners.

College Tuition Benefit® makes it possible for our benefit partners to provide their participants' and policy holders' children, grandchildren, nieces and nephews with guaranteed college scholarships at almost 40% of the National Association of Independent Colleges and Universities, NAICU.

Product Exclusivity - We enter into exclusive and semi-exclusive arrangements with our benefit partners. Competitors cannot duplicate the value we bring to our partners' products, because there are no other managed networks of higher education.
Drive Benefit Sales - Some of our benefit partners have attributed 20% increases in sales to CTB and when surveyed, sales people felt CTB contributed to 25% of their sales success.
Increase Account & Policy Persistency - Employers and employees who drop partner benefit coverage experience thousands in lost tuition savings for each policy or certificate holder. Benefit Partners have reported a 3% increase in policy persistency due to employer's reluctance to drop or move coverage.
Profitability - Higher sales, but more importantly, greater account persistency drives profitability.

How we deliver financial results for our benefit partners.

College Tuition Benefit® makes it possible for our benefit partners to provide their participants and policiy holders children, grandchildren, nieces and nephews with guaranteed college scholarships at almost 40% of the National Association of Independent Colleges and Universities, NAICU. Participants and Policyholders can use these scholarships at over 380 colleges in 45 states.

Through contracts with SAGE Scholars, Inc., we are able to provide employers and members of benefit plans with Tuition Rewards® according to a schedule that promotes a partner company's business goal. Every Tuition Reward is a guaranteed $1 reduction in full tuition at any of our participating colleges. Each year an employer or participant renews coverage they are rewarded with additional Tuition Rewards.

In this manner participants accumulate thousands in scholarships that they can use for their children, grandchildren, nieces and nephews college education. Participants come to count on this source of scholarships to address their children's future wellbeing and are very reluctant to lose the associated employee benefit that provides the Scholarship.

We customize a plan of benefits for each of our partners. Working together, our partners can use Tuition Rewards to promote goals such as:

Increased sales & cross selling
Increased lines of coverage per account
Rewarding policy retention and coverage persistency
Rewarding producers for production

Through our years of experience, we have found that a strong customer acquisition strategy must be augmented by an effective, customer-centric retention strategy to sustain long-term growth.

A current topic in Human Resources is financial wellness and helping with student loans to recruit employees.

"There is a growing body of evidence that employee financial security is also good for the employer, and that a financially healthy employee can save employers up to $2,000 a year through increased productivity and reduced healthcare costs".
— MetLife 2010 American Dream Study

Our Benefit Partners are helping Human Resource managers with recruiting, financial wellness, and general health.

78% of families with children under the age of 18 report the cost of a college education is their number one financial concern. Gallup, 2015
American families are dealing with $1.3 trillion in student loans, a debt amount second only to home mortgages.
The Consumer Financial Protection Bureau reports, 2.8 million Americans, OVER THE AGE OF 60, have outstanding student loans; averaging $23,000. This is not surprising.
Parents and grandparents often borrow from their 401k's and take personal loans to help put their children and grandchildren through college.

Debt and the cost of putting a child through college has a negative effect on health

People with high levels of debt stress are 3.6 times more likely to report possible stress related illnesses (lower back and muscle pain, depression, anxiety, migraines, ulcers and digestive tract disorders) than people reporting low levels of debt stress. AP-POL Health Poll, 2008
Depression costs America over $210 billion annually. Optum Health Reporting and Insights, 2015. A review of 65 studies published in Clinical Study Review showed the likelihood of having mental health problems is three times higher among people who also have debt as compared with people without debt.
Of those who responded, "I am in control of my finances," only 7% reported their health is fair or poor. Of those reporting, "I live paycheck to paycheck," 52% reported their health is fair or poor. 2011 MetLife Employee Benefit Trend Study

There are very real and measurable health benefits to a college education

Studies of NIH data by the University of Colorado, NYU and UNC - Chapel Hill indicate 554,525 lives a year would be saved if everyone had a college education. This savings in lives is far greater than any lives lost to a specific disease.

Analysis by researchers at The Wharton School, University of Pennsylvania show a much lower smoking rate and greater compliance with wellness programs among college graduates. Perna et. al., June 2015