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. 1099 contractors are not eligible for coverage. ²Value-Added Services are offered through vendors that are independently owned and not affiliated with Beam Insurance Administrators LLC (Beam). Value-Added Services are not insurance products. Beam is not responsible and assumes no liability for the goods and services and reserves the right to discontinue any of these services at any time. Beam does not represent or warrant the efficacy of any of the services from the third-party vendors mentioned above. Services may vary and may not be available in all states. Life 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). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Product availability may vary by state and are not available to members living in Puerto Rico. Program restrictions and exclusions apply. The Accelerated Death Benefit is not available in the state of CA. 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-0041-202306 3 of 3