Voluntary Group Critical Illness Insurance Plan Highlights

www.reliancematrix.com This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-9537, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state. Plan Highlights The Life is Good Company COVERAGE Voluntary group critical illness insurance provides a fixed, lump- sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care. ELIGIBILITY All Active Full-Time and Part-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis. Dependents: You must be insured for your Dependents to be covered. Dependents are:  Your legal spouse or your domestic partner.  Your dependent children from birth to 26 years.  A person may not have coverage as both an Employee and Dependent. BENEFIT AMOUNT Employee: Choose from a benefit of $5,000 to a maximum of $20,000 in $5,000 increments. Spouse: Choose from a benefit of $5,000 to a maximum of $10,000 in $5,000 increments, not to exceed 50% of approved employee amount. Child(ren): 25% of approved employee amount up to a maximum of $5,000. GUARANTEED ISSUE Employee: $20,000 Spouse: $10,000 Child(ren): $5,000 BENEFIT REDUCTION DUE TO AGE Age Original Benefit Reduced to 70 50% CONTRIBUTION REQUIREMENTS Coverage is 100% Employee Paid. RATES See attached Rate Sheet Voluntary Group Critical Illness Insurance