Vol. Life Summary

What you need to know: Peter Corporation • Benefits are available to employees who are actively at work on the effective date of coverage and working the Are you eligible? • • You may be eligible for coverage without having to answer any health questions if If you decline coverage now, you will lose your only chance to apply for group insurance Enroll timely for guaranteed issue coverage. Enrolling later requires approval. you enroll during the initial enrollment period when benefits are first offered by OneAmerica®, or if you enroll as a newly hired employee within 31 days after any applicable waiting period. coverage without having to first undergo medical underwriting. If you decide to enroll later, you will need to submit a Statement of Insurability form for review. OneAmerica will then decide to approve or deny your coverage based on your health history. You may not be approved for any type of coverage at a later date if you have any current or future medical conditions. minimum number of hours per week stated in the contract. • Actual premiums and benefit amounts will be calculated by OneAmerica and may change upon reaching certain ages, according to contract terms, and are subject to change. Volumes and benefit amounts shown may be subject to reductions due to age. Your premiums and benefits may vary. What you need to do: • Enclosed is personal information about the benefits offered to you by OneAmerica on behalf of your employer. This is your opportunity to learn more about group insurance from OneAmerica, but it is not a complete explanation of benefits. For more information, consult the contract about exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. Carefully review the contents of this packet. • Visit www.employeebenefits.aul.com to find the Notices and Limitations, G-14320 (05 Prudent) 12/28/12. Go to Forms, Policy/Employee Admin, and Notices and Limitations. Review the Notices and Limitations. • Please return your completed enrollment form to your employer. Submit your enrollment form. Note: Products issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica company. Not available in all states or may vary by state. OneAmerica is the marketing name for the companies of OneAmerica. ®