This benefit summary is not a complete description of the insurance coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern. Critical Illness (effective 5/1/23) insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas).Critical Illness coverage applicable to policy form GCI AO L20, or state equivalent. Products are not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. 1099 contractors are not eligible for coverage. Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies. Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215 BEAM SUPPORT LEARN MORE [email protected] | (800) 648 1179 beambenefits.com BM-SOB-0040-202306 3 of 3