Page 4 Why should I buy critical illness insurance? Two-thirds of personal bankruptcies are due to medical expenses, even for those with medical insurance. Equitable's critical illness insurance policy covers the most common conditions likely to arise over your lifetime and provides protection from the many expenses stemming from a significant medical condition. What conditions are covered as a Critical Illness? Only the conditions listed above are covered by this policy. Any condition that is not listed above is not a covered condition and therefore is not a payable claim. What is a Wellness Benefit? Insureds are eligible to receive an annual benefit amount (default is $50) when they undergo any eligible exam or screening from the covered list. How do I learn more about my benefits Go to www.equitable.com/employeebenefits and log on to EB360® to view your account details. If I have additional questions, who can I talk too? Please don’t hesitate to contact us at phone number 1-866-274-9887. nasdaq.com/articles/medical-bankruptcy-is-killing-the-american-middleclass-2019-02-14. 1