Life Insurance Benefit Summary

Page 1 Group name: Betenbough Homes, LLC Policy number: 024883 Form created: 08/28/2025 Benefit plan and features Voluntary Life/AD&D Class definition: Class 1 – All Active Full Time Employees Life Benefit Employee Spouse Children Life Benefit Amount Increments of $10,000 Increments of $5,000 Live birth to 14 days: $500 15 days to age 26: Increments of $10,000 Life Maximum Benefit The lesser of 5 times Basic Annual Earnings or $500,000 $250,000, not to exceed 50% of employee coverage amount $10,000 Guaranteed Issue Amount $100,000 $25,000 $10,000 Life Age Reduction

Page 2 Life Benefit Employee Spouse Children Age 65 but less than 70 65% Matches Employee None Age 70 or over 50% Matches Employee None Any reduction pursuant to this provision will take place on the next Policyholder anniversary date Accelerated Death Benefit 75% up to $250,000 75% up to $250,000 Not Applicable Waiver of Premium Included Included Included Portability Included Included Included Conversion Included Included Included Accidental Death & Dismemberment (AD&D) Benefit Amount 100% of Life Insurance Benefit 100% of Life Insurance Benefit 100% of Life Insurance Benefit AD&D Maximum Benefit Matches Life Insurance Maximum $250,000, not to exceed 50% of employee coverage amount $10,000 AD&D Age Reduction Matches Life Matches Life None AD&D Features Employee Spouse Children Common Carrier Benefit Included Not Applicable Not Applicable Day Care Benefit Included Included Not Applicable Child Education Benefit Included Included Not Applicable Exposure/Disappearance Benefit Included Included Included Rehabilitation/Physical Therapy Benefit Included Included Included Repatriation Benefit Included Included Not Applicable Seatbelt and Airbag Benefits Included Included Included Spouse Training Benefit Included Not Applicable Not Applicable Understanding your benefits Commonly Used Terms Guarantee Issue Amount This is the amount of insurance available without having to provide evidence of insurability (also known as proof of good health). Accelerated Death Benefit Allows you access to a portion of your Life insurance while you are alive if you have a qualifying condition, such as a terminal illness, cognitive impairment, or the inability to perform two or more activities of daily living without assistance. Waiver of Premium Provides for the continuation of insurance without premium payment if you become disabled (details around ages). Basic Annual Earnings Means your regular rate of pay from your employer in effect on the date immediately prior to the date the covered loss occurs. It includes any deductions made for pre-tax contributions to a qualified deferred compensation plans, section 125 plan, or flexible spending account. It does not include commissions, bonuses, tips, tokens, overtime pay or any other fringe benefits or extra compensation. Portability Allows you to take your group term Life insurance coverage with you if you leave your employer. Conversion Allows you convert your group term Life insurance coverage to an individual, whole life policy if your coverage is reduced or ends.

Page 3 Frequently Asked Questions When can I enroll for coverage? You can enroll when you are initially eligible, during any annual enrollment period, or within 31 days of a family status change. Evidence of insurability (also known as proof of good health) may be required. Please see your coverage certificate for details. When can I change my amount of coverage? You can change your amount of coverage during any annual enrollment period or within 31 days of a family status change. Evidence of insurability (also known as proof of good health) may be required. Please see your coverage certificate for details. Are my spouse and dependent children eligible for coverage? Yes, your spouse, domestic partner, or civil union partner and your dependent children are eligible for coverage. Your dependent children are eligible for coverage up to the date on which they turn 26 years old. Does the coverage decrease as I get older? Yes, the age reductions are shown in the "Benefit Plan & Features" section. The coverage on you and your spouse will reduce on the next Policyholder anniversary date following your attainment of the ages shown. The percentages referenced are what the coverage reduces to and are all based on the original amount of coverage. For example, if you are covered for $50,000 and the coverage reduces to 65% at age 65, your coverage will reduce to $32,500 on the policy anniversary following your 65th birthday. Is the accidental death benefit in addition to the life benefit? Yes, if the insured dies as a result of a covered accident, the beneficiary will receive both the life and accidental death benefits. Can I elect AD&D insurance only? No, you must elect Life insurance in order to be eligible to elect AD&D insurance. How do I port or convert my coverage? Contact your employer’s HR department for the applicable portability and/or conversion forms. You can also call Equitable customer service at (866)274-9887 or access the forms at https://equitable.com/employee-benefits/customer-service/forms How much does the portability coverage cost? The rate for portability coverage is the same as the rate under your employer’s plan. How do I name a beneficiary? Your employer will provide you with a form that will allow you to name primary and contingent beneficiaries. Can I change my beneficiary? Yes, you just need to complete a new beneficiary form and be sure to provide a copy to your employer. What happens if I die and didn’t name a beneficiary? The insurance proceeds may be paid out to a specific family member or your estate, check your insurance certificate for the language applicable to your plan.

Page 4

Page 5 2022 Insurance Barometer Study, Life Happens and LIMRA. 1 limra.com/en/newsroom/news-releases/2021/industry- 2 associations-unite-to-help-address-the-life-insurance-coverage- gap-in-the-united-states/, accessed August 2022. Important Information The following is a summary. A complete Limitations and exclusions: list of applicable exclusions and limitations are included in the policy and certificate. State variations may apply. If an Insured Person dies by suicide within two years from their coverage issue date, we will only pay the amount of premiums paid. AD&D Benefits may not be payable for injuries caused or contributed to by or incurred: physical or mental illness or disease or related medical treatment, infection not occurring as a direct result of accidental bodily injury, suicide or intentionally self-inflicted injury, war or act of war, while incarcerated, participating in a felony or illegal activity, intoxication, voluntary drug use unless administered by and used as instructed by a physician or for over-the-counter drugs in accordance with manufacturer’s instructions, participation in certain activities involving an increased risk of injury as listed in the policy and certificate (ex: mountain climbing, sky diving). The policy has limitations and This policy provides limited benefits: exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. Plan documents are the final arbiter of coverage. Policy contract forms: ICC18 MOEBPLI; ICC18 AXEBPLI; MOEBP0618 LI; AXEBP0618 LI; and state variations. Equitable is the brand name of the retirement Legal disclosures: and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. Some products are not available in all states. ©2023 Equitable Holdings, Inc. All rights reserved. (6/23) | EB360® is a registered mark of Equitable Holdings, Inc., NY, NY.