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.