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Benefit Booklet 2024

Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams For more information Shelley Hartsell 704 883 4838 Shelley Hartsell ColonialLifeSales com Life is anything but expected That s why we re here Plan options Accident insurance Helps offset unexpected medical expenses such as emergency room fees deductibles and co payments that can result from a fracture dislocation or other covered accidental injury Hospital insurance Provides a lump sum benefit for a covered hospital confinement or outpatient surgery to help with co payments and deductibles that are not covered by most major medical plans Critical illness Cancer Supplements your major medical coverage by providing a lumpsum benefit you can use to pay the direct and indirect costs related to a covered critical illness and cancer Short Term Disability Provides financial protection to cover income loss from a covered disability Dental Vision Covers a wide range of treatments from routine cleanings to root canals Coverage for eye exams and materials Life insurance Enables you to tailor coverage for your individual needs and helps provide financial security for your family members

Accident Insurance Premier Plan If you are in an accident your focus should be on recovery not how you re going to pay your bills Colonial Life Accident Insurance can pay benefits directly to you to use however you like from medical costs to everyday expenses offering financial support when you need it Our coverage includes Benefits payable directly to you No medical questions to qualify for coverage Coverage for simple and complex injuries Benefits payable regardless of other insurance Worldwide coverage Works alongside your Health Savings Account HSA BENEFITS STORY Jacob was running on the playground when he tripped and injured his hand With Colonial Life accident benefits Jacob s parents were able to pay the annual deductible and co payments Jacob went to an urgent care facility and received immediate care The doctor ordered an X ray and discovered Jacob had fractured his hand The doctor also found that Jacob had a cut on his hand Jacob was discharged with a splint Over the next several weeks Jacob had three follow up appointments with his doctor For illustrative purposes only for covered accidents Benefit amounts may vary and may not cover all expenses JACOB S ACCIDENT BENEFITS Accident emergency treatment X ray Fracture hand Laceration no stitches 150 50 525 30 Medical equipment splint Accident follow up treatment 3 visits Total 40 195 990 IAC4000 PREMIER PLAN

BENEFITS STORY Olivia was driving to the store when she got into a car accident Olivia s accident benefits helped cover her annual deductible and co payments Olivia arrived by ambulance at the nearest emergency room and received immediate care The doctor ordered an X ray and discovered Olivia had fractured her thigh femur He also ordered a CT scan of her head to check for a brain injury Olivia was admitted to the hospital for surgery on her leg She was confined for three days Olivia had eight sessions of physical therapy to help regain the strength in her leg Over the next several weeks she had six follow up appointments with her doctor For illustrative purposes only for covered accidents Benefit amounts may vary and may not cover all expenses OLIVIA S ACCIDENT BENEFITS Ambulance Accident emergency treatment Injury due to auto accident X ray Medical imaging CT Thigh fracture femur surgical Hospital admission Surgery exploratory arthroscopic Hospital confinement 3 days Physical therapy 8 days Medical equipment crutches Accident follow up treatment 6 visits Total 350 150 250 50 300 7 600 1 750 350 1 050 400 175 390 12 815 Summary of benefits Benefits are per covered person per covered accident unless stated otherwise Initial care Accident emergency treatment 150 Hospital emergency room urgent care facility or physician s office Accidental injury due to an automobile accident1 250 Air ambulance 2 400 Ambulance ground or water 350 Observation room 175 per day up to two days per calendar year X ray 50 Common accidental injuries Burn 2 500 21 000 based on size and degree Burn skin graft 50 of applicable burn benefit Coma 17 500 lasting for seven or more consecutive days Concussion 250 Dislocation separated joint Non surgical repair 150 3 000 Examples elbow 750 ankle 1 500 hip 3 000 Incomplete dislocation or dislocation without anesthesia 25 of benefit payable as a of the applicable dislocation benefit Surgical repair 300 6 000 Examples elbow 1 500 ankle 3 000 hip 6 000 Emergency dental work 250 750 Dental extraction or dental crown denture or implant Eye injury with surgical repair or removal of a foreign object 500 Fracture complete Non surgical repair 350 4 750 Examples hand foot 525 collarbone 925 leg 1 500 Chip fracture 25 of benefit payable as a of the applicable fracture benefit Surgical repair 700 9 500 Examples hand foot 1 050 collarbone 1 850 leg 3 000

Hearing loss injuries2 140 Knee cartilage torn with surgical repair 950 Laceration 30 750 based on repair and length Ruptured disc with surgical repair 1 550 Tendon ligament rotator cuff with surgical repair One 950 Two or more 1 900 Hospital care Hospital admission 1 750 Hospital confinement 350 per day up to 365 days Hospital sub acute intensive care unit confinement 500 per day up to 30 days Intensive care unit admission 3 000 Intensive care unit confinement 600 per day up to 15 days Surgical care Blood plasma platelets transfusion 600 Surgery 300 1 900 based on type of repair and surgery Transportation and lodging Transportation for hospital confinement 900 per round trip up to three round trips 50 miles from home Lodging companion 175 per day up to 30 days Follow up care Accident follow up treatment including transportation telemedicine 65 up to six benefits per covered person per covered accident and up to 12 benefits per covered person per calendar year Medical equipment Tier 1 40 Arm sling cane medical ring cushion neck brace or wrist ankle splint Tier 2 175 Bedside commode cold therapy system cryotherapy crutches leg brace shower chair walker or walking boot Tier 3 350 Back brace body jacket continuous passive movement CPM halo electric scooter hospital bed including rental knee scooter stair lift chair or wheelchair Medical imaging study CT CAT scan EEG EMG MR or MRI 300 one per calendar year Pain management for epidural anesthesia non surgical 175 Post traumatic stress disorder PTSD 250 Prosthetic device artificial limb One 1 250 More than one 2 500 Repair replacement3 625 1 250 Rehabilitation unit confinement 250 per day up to 15 days not to exceed 30 days per calendar year Therapy occupational physical or speech 50 per day up to 10 days Accidental dismemberment Accidental dismemberment 750 35 000 Loss loss of use or paralysis hand arm foot leg sight of eye Loss loss of use finger toe partial dismemberment of finger or toe Accidental dismemberment due to a catastrophic accident Named insured spouse or child 30 0004 Total and irrecoverable loss loss of use or paralysis 180 day elimination period Loss of both hands arms feet legs or the sight of both eyes or any combination or Loss of hearing in both ears or loss of ability to speak Accidental death Accidental death Named insured spouse 50 000 Child 15 000 Accidental death common carrier Examples of common carriers are mass transit trains buses and planes Named insured spouse 200 000 Child 45 000

For more information talk with your benefits counselor ColonialLife com Hospital Confinement Indemnity Insurance Plan 1 Our Individual Medical Bridge insurance can help with medical costs that your health insurance may not cover These benefits are available for you your spouse and eligible dependent children Hospital confinement __ __2_0_0_0___________ Maximum of one benefit per covered person per calendar year Observation room 100 per visit Maximum of two visits per covered person per calendar year Rehabilitation unit confinement 100 per day Maximum of 15 days per confinement with a 30 day maximum per covered person per calendar year Waiver of premium Available a er 30 continuous days of a covered hospital confinement of the named insured Health savings account HSA compatible This plan is compatible with HSA guidelines This plan may also be o ered to employees who do not have HSAs Colonial Life Individual Medical Bridge o ers an HSA compatible plan in most states THIS POLICY PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this coverage EXCLUSIONS We will not pay benefits for injuries received in accidents or for sicknesses which are caused by a alcoholism or drug addiction b dental procedures c elective procedures and cosmetic surgery d felonies or illegal occupations e pregnancy of a dependent child f psychiatric or psychological conditions g suicide or injuries which any covered person intentionally does to himself or herself or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months a er the e ective date of the policy or j for a newborn who is neither injured nor sick k The policy may have additional exclusions and limitations which may a ect any benefits payable PRE EXISTING CONDITION LIMITATION l We will not pay benefits for loss during the first 12 months a er the e ective date due to a pre existing condition m A preexisting condition is a sickness or physical condition for which a covered person was treated had medical testing received medical advice or had taken medication within the 12 months before the e ective date of the policy n This limitation applies to the following benefits if applicable Hospital Confinement Daily Hospital Confinement Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without form 562973 Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company IMB7000 PLAN 1 8 23 562880 1

Disability InsuranceHow you can protect your incomeIf you become disabled, you could be out of work for a while. Without your income, how would you pay for your everyday living expenses? Fortunately, Colonial Life offers nancial protection options that can help you. What can cause a disability? Many accidents or sicknesses can lead to short term disability claims, including pregnancy and childbirth; injuries from a major accident including dislocations, sprains and fractures; back problems; side effects from medicines or medical procedures; and some mental illnesses. Regardless of your age or health, a disabling sickness or accidental injuries could keep you out of work for weeks or even months.How reliable is your safety net? While many people with disabilities look to workers’ compensation or Social Security Disability Insurance (SSDI) for help, these resources aren’t always reliable. In fact, 68% of workers who apply for SSDI are denied.1 Even if these resources can help, they might not be enough to meet your nancial obligations.How to help yourself You can be better prepared to preserve your way of life with short term disability insurance. Disability insurance features:• Benets payable directly to you in regular payments if you can’t work because of a covered accident or sickness (injury or illness).• Disability benets may be available if you return to work part time. • In most cases, you can keep your coverage even if you change jobs, as long as you pay your premiums when due.Your Colonial Life benets counselor can help you determine the amount of coverage that’s right for you.70%of Americans worry about having enough emergency savings to cover a month’s worth of living expenses.2Nearly25%of 20 year olds can expect to be out of work for at least a year for a disabling condition before they retire.3DISABILITY INSURANCE

Disability Insurance Worksheet You can tailor disability coverage to t your specic needs. Talk with your benets counselor about your expenses and other paid leave benets, such as state paid medical leave, to help determine the coverage that’s right for you.4MONTHLY EXPENSES ROUND TO THE NEAREST HUNDREDRent or mortgage (insurance, minor home repairs) $Transportation (car note, bus fare, insurance, gas, maintenance)$Utilities (cell phone, Wi-Fi, electricity/gas, water) $Food and household necessities (toiletries, cleaning supplies)$Childcare (daycare, after-school care) $Health (medical needs and prescription drugs) $Other (gym/fitness, streaming/cable, extracurricular) $Total monthly expenses (add lines 1-7 together) $Your state’s paid medical leave approximate benefits (if any):Monthly benefit: _____________ Benefit period up to: _____________Talk with your Colonial Life benets counselor to learn more about disability insurance.ColonialLife.com1. Social Security Administration, SSI Annual Statistical Report, 2021.2. Bankrate, Bankrate’s 2023 annual emergency savings report, 2023. 3. Social Security Administration, Disability and Death Probability Tables for Insured Workers, 2022.4. State paid medical leave (PML) benets fall under state-specic program names. For example, in New Jersey, it may be referred to as Temporary Disability Insurance (TDI). Not available in all states.For policies issued or delivered in the Commonwealth of Virginia, THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benets payable. Applicable to policy forms ISTD3000 and rider form ISTD3000-ADIB (including state abbreviations where used, for example: ISTD3000-TX and ISTD3000-ADIB-TX ), policy form DIS1000 (including state abbreviations where used, for example DIS1000-TX), policy form ED-DIS 1.0 (including state abbreviations where used, for example ED-DIS 1.0-TX), policy form ICC21-DIP3000 and rider form ICC21-DIP3000-R-DIS, policy form GDIS-P and certicate form GDIS-C (including state abbreviations where used, for example: GDIS-P-EE-TX and GDIS-C-EE-TX), and policy form VSTDMP and certicate form VSTDC (including state abbreviations where used, for example VSTDMP-TX and VSTDC-TX). Not applicable in Oregon for policy form ICC21-DIP3000 and rider form ICC21-DIP3000-R-DIS. For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company. An insurance producer may contact you.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 6-23 | 101165-10

Individual Dental Insurance Standard Plan 1 000 100 80 50 This benefit summary provides a quick reference for the dental plan benefits Policy details Policy year maximum benefit Per person applies to Class A B and C services Deductible Per person applies to Class B and C services only Maximum of three per family per policy year 1 000 50 Standard Plan dental coverage at a glance Co insurance Class A Preventive services Class B Basic services Class C Major services In network1 100 80 50 Out of network2 MAC 100 80 50 Carryover benefits3 Carryover amount Per covered family member Threshold limit Carryover account max 200 500 800 How carryover benefits work Receive a 200 benefit in your carryover account to use in the next benefit year when you meet these conditions One cleaning and one routine exam and Total paid dental claims for Class A B or C services below 500 your threshold limit the maximum amount of benefits an insured can receive during a policy year and still be able to receive the carryover benefit Your carryover account can grow up to 800 to help pay for claims if you exceed your policy year maximum benefit 3 INDIVIDUAL DENTAL STANDARD PLAN

Covered services Class A Preventive services Routine exams and cleanings Two per 12 month period One additional cleaning per 12 months if member is in second or third trimester of pregnancy4 X rays bitewing x rays Up to four films once every 12 months Fluoride treatment Up to age 16 once every 12 months Sealants Up to age 16 once every 36 months Space maintainers Up to age 16 once every 24 months Oral cancer screening For age 40 once every 12 months Class B Basic services Full mouth panoramic x rays Once every five years Fillings Posterior composite restorations Simple extractions Emergency treatment Class C Major services Oral surgery surgical extractions and impacted teeth Anesthesia covered with complex oral surgery Repair of crowns dentures or bridges Periodontics gum treatments Endodontics root canals Inlays and onlays Crowns bridges dentures and endosteal implants Crown lengthening In network coverage1 100 80 50 Out of network coverage2 MAC Waiting period 100 No waiting period 80 No waiting period 50 12 month waiting period5 Contact your Colonial Life benefits counselor to learn more 1 In network benefits are for covered dental services provided by a participating dentist Participating dentists have agreed to accept negotiated fees as payment in full subject to any deductibles coinsurance and benefit maximums and will file claims for you 2 Out of network benefits are for covered dental services provided by a non participating dentist Benefits are provided at the lesser of the dentist s actual fee or the Maximum Allowable Charge MAC a scheduled amount determined by Colonial Life In Alaska only benefits are based on usual customary and reasonable charges 80th UCR for the same covered procedure by providers of similar training or experience in the general geographic area reviewed and updated periodically Benefits are subject to any deductibles co insurance and maximums Dentists haven t agreed to accept reimbursement as payment in full Additional out of pocket costs may apply You may have to file a claim to receive benefits 3 You must be covered for 12 consecutive months to receive the carryover benefit any break in coverage will eliminate the carryover account balance The carryover benefit may not be used for orthodontic treatment or services 4 Member may have one additional periodontal maintenance in place of an additional cleaning 5 Six month waiting period in Vermont Summary of Dental Benefits and Coverage Disclosure Matrix SDBC is available at ColonialLifeDental com California THIS POLICY PROVIDES LIMITED BENEFITS A NETWORK ACCESS PLAN IS AVAILABLE This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable Applicable to policy form IDN8100 including state abbreviations where used for example IDN8100 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company ColonialLife com Underwritten by Colonial Life Accident Insurance Company Columbia SC 2024 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company FOR EMPLOYEES 4 24 1763264

Individual Dental Insurance Vision Rider Our vision coverage helps you and your family maintain your vision wellness with coverage for eye exams and optical materials such as eyeglasses or contact lenses This benefit summary provides a quick reference to the rider s benefits Co pays per insured 1 Benefits once per 12 months Vision exam Contact lenses fitting Materials In network 10 25 25 Out of network N A N A N A Benefits and allowances1 Benefits after co pay In network Vision exam Covered in full Contact lenses fitting after co pay Standard2 Up to 60 allowance Specialty3 Up to 100 allowance Materials Eyeglass lenses and frames after co pay4 Single vision Covered in full Bifocals Covered in full Trifocals Covered in full Lenticular Up to 120 allowance Progressives Up to 70 allowance Polycarbonate lenses Covered in full for children to age 19 only Frames Up to 170 allowance Materials Contact lenses after co pay5 Elective Up to 170 allowance Non elective Up to 210 allowance Out of network 35 allowance Up to 45 allowance Up to 75 allowance Up to 25 allowance Up to 40 allowance Up to 50 allowance Up to 50 allowance Up to 40 allowance Up to 30 allowance Up to 50 allowance Up to 100 allowance Up to 210 allowance MAXIMIZE YOUR BENEFITS Maximize your vision benefits with any provider in our large nationwide network including independent eye doctors and retail stores such as Walmart and Sam s Club Optical Target Optical Pearle Vision Visionworks You can choose different providers for eye exams eyeglasses and contact lenses ID CARDS Vision ID cards are mailed to your home address within 10 business days of enrolling separate from dental ID cards Digital ID cards are available on the policyholders portal when your coverage starts Only the primary insured s name will be listed INDIVIDUAL DENTAL VISION RIDER

Special savings on material purchases6 Some network providers offer special pricing and discounts for certain vision materials including lens add ons and a second pair of glasses See the chart below for details Participating providers are designated as Value Added or Service Plus in the provider directory at ColonialLifeDental com VALUE ADDED PROVIDERS Special pricing and discounts on lens options for first pair of glasses add ons for insured purchases UV Coating 15 Solid tinting gradient tinting 15 Standard scratch resistant coating 15 Standard antireflective coating 45 Premium antireflective coating 70 Ultra antireflective coating 20 discount Polarized lenses 75 Transition lenses 75 Progressive lenses Standard 110 Premium 170 Ultra 20 discount Standard polycarbonate lenses 40 High index single vision 1 56 1 60 60 1 66 20 discount High index multifocal 1 56 1 60 75 1 66 20 discount Special pricing and discounts on purchase of second pair of glasses Single vision plastic lenses 40 Bifocal plastic lenses 60 Trifocal lenses 70 Progressive lenses standard 110 Progressive lenses premium and ultra 20 discount Discount on frames contact lenses and other products Frames Up to 35 discount Contact lenses 5 to 15 discount depending on type Other products 20 discount on nonprescription sunglasses and other products solutions SERVICE PLUS PROVIDERS Receive up to a 20 discount for the following add ons to insured purchases UV Coating Solid tinting gradient tinting Standard scratch resistant coating Standard antireflective coating Premium antireflective coating Transition lenses Standard polycarbonate lenses Note Not a covered benefit Prices shown reflect member payment Discounts reflect percentage off the regular price 1 You are responsible for paying the provider directly for any co pays amounts over your allowance and for any services or materials that are not covered under this rider 2 The standard contact lenses fitting exam fee applies to a new or existing contact lens user who wears spherical disposable daily wear or extended wear lenses only This includes follow ups 3 The specialty contact lenses fitting exam fee applies to a new or existing contact lens user who wears toric gas permeable mono fit or multi focal lens This includes follow ups 4 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit 5 The contact lenses benefit is paid in lieu of eyeglass lenses and frames 6 These schedules are subject to change without notice Added value discounts may not be available in all geographical areas and may vary by network Not all providers such as Walmart Sam s Club and Costco Optical choose to participate in these programs Some frames and lens items may have manufacturer restrictions and cannot be discounted Special lens packages that combine multiple lens enhancements at value price points are not covered by these added value programs Programs may not be combined with any other promotions or discounts THIS POLICY PROVIDES LIMITED BENEFITS A NETWORK ACCESS PLAN IS AVAILABLE This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable Applicable to policy forms IDN8100 AR and IDN8100 NC and rider forms R VSN8100 AR and R VSN8100 NC For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company ColonialLife com Insurance products are underwritten by Colonial Life Accident Insurance Company Columbia SC 2024 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company FOR EMPLOYEES 5 24 1820767 AR NC

Specified Critical Illness Insurance For more information talk with your benefits counselor ColonialLife com If you re diagnosed with a covered critical illness or cancer specified critical illness insurance from Colonial Life can help with your expenses so you can concentrate on what s most important your treatment care and recovery Face amount __1_0_K__ _7_5_K______ Critical illness benefit For the diagnosis of this covered critical illness condition 1 Cancer Heart attack myocardial infarction Stroke End stage renal kidney failure Major organ failure Permanent paralysis due to a covered accident Coma Blindness Occupational infectious HIV or occupational infectious hepatitis B C or D Coronary artery bypass graft surgery disease2 Carcinoma in situ This percentage of the face amount is payable 100 100 100 100 100 100 100 100 100 25 25 The maximum benefit amount for this policy is 3x the face amount for the named insured for all covered persons combined The policy will terminate when the maximum benefit amount for specified critical illness has been paid Subsequent diagnosis of a different critical illness3 If you receive a benefit for a specified critical illness and later you are diagnosed with a different specified critical illness the original percentage of the face amount is payable for that particular specified critical illness Subsequent diagnosis of the same critical illness3 If you receive a benefit for a specified critical illness and later you are diagnosed with the same specified critical illness 25 of the original face amount is payable Critical illness conditions that do not qualify are cancer coronary artery bypass graft surgery disease 2 carcinoma in situ and occupational infectious HIV or occupational infectious hepatitis B C or D CRITICAL ILLNESS 1 0 WITH CANCER AND SUBSEQUENT DIAGNOSIS

Cancer vaccine benefit 50 This benefit is payable if you or your covered family members incur a charge for any FDA approved cancer vaccine while your policy is inforce ColonialLife com 1 Please refer to the policy for complete definitions of covered conditions 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass graft surgery when health savings account HSA compliant plan is selected 3 Dates of diagnoses of a covered specified critical illness must be separated by at least 180 days THIS POLICY PROVIDES LIMITED BENEFITS EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESS We will not pay benefits for a specified critical illness that occurs as a result of a covered person s alcoholism or drug addiction felonies or illegal occupations intoxicants and narcotics pre existing condition psychiatric or psychological condition suicide or self inflicted injuries or war or armed conflict This is not an insurance contract and only the actual policy provisions will control Applicable to policy form CI 1 0 CI 1 0 PL7 CI 1 0 PL8 or CI 1 0 PL10 including state abbreviations where used for example CI 1 0 TX The policy or its provisions may vary or be unavailable in some states Please see your Colonial Life benefits counselor for details Underwritten by Colonial Life Accident Insurance Company Columbia SC 2019 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 4 19 101825 1

In the U S medical spending in the last 12 months of life is nearly 80 000 per person HealthAffairs org End Of Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported July 2017 Your cost will vary based on the level of coverage you select Talk with your benefits counselor for information about what level of coverage would work best for you Whole Life Insurance You can t predict your family s future but you can be prepared for it You like to think that you ll be there for your family in the years to come But if something happened to you would your family have the income they need It s not easy to think about such serious circumstances but it s important to make sure your family is financially protected You can gain peace of mind with whole life insurance from Colonial Life Advantages of whole life insurance Permanent coverage that stays the same throughout the life of the policy Guaranteed level premiums that do not increase because of changes in health or age Access to the policy s cash value through a policy loan for emergencies1 Benefit for the beneficiary that is typically tax free Benefits and features Two plan options to choose what age your premium payments will end Paid Up at Age 70 or Paid Up at Age 100 Stand alone spouse policy available whether or not you buy a policy for yourself Flexibility to keep the policy if you change jobs or retire Built in terminal illness accelerated death benefit that provides up to 75 of the policy s death benefit up to 150 000 if you re diagnosed with a terminal illness2 Immediate 3 000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses Pays cash surrender value at age 100 when the policy endows WHOLE LIFE IWL5000

WHOLE LIFE Accelerated Death Benefit for Long Term Care Services Advances the base plan s death benefit in monthly indemnity payments to help pay for the qualified long term care services needed as a result of the insured s inability to perform at least two of the six activities of daily living ADLs for a period of at least 90 days or the insured s requiring substantial supervision due to severe cognitive impairment A written certification provided by a licensed health care practitioner must be provided The maximum benefit amount is equal to the policy death benefit less any indebtedness Claim payments are made monthly and are a percentage of the death benefit Rates are per thousand tobacco distinct and based on policy face amount and issue age The rider terminates on the first to occur base policy terminates or the date the death benefit is exhausted from long term care benefit payments A 90 day elimination period applies No benefits are payable for care or service received during this time There is a six month pre existing conditions limitation period The rider includes a built in Waiver of Premium due to payments of the long term care benefit which waives any monthly deductions on the policy when long term care benefits are being paid The rider may be added to employee or spouse Whole Life Plus plans It may also be added to a dependent student policy ages 18 26 It may only be added to policies at the point of initial sale The rider cannot be added to existing policies

Term Life Insurance Peace of mind for you and your loved ones You want what s best for your family and that includes making sure they re prepared for the future With term life insurance from Colonial Life Accident Insurance Company you can provide financial security to help them cover their ongoing living expenses Advantages of term life insurance Lower cost when compared to cash value life insurance Same benefit payout throughout the duration of the policy Several term period options for flexibility during high need years 44 of Americans say their household would face financial hardship within six months should a wage earner die unexpectedly LIMRA 2022 Life Insurance Barometer Study Benefit for the beneficiary that is typically tax free Benefits and features Stand alone spouse policy available whether or not you buy a policy for yourself GA P Guaranteed premiums that do not increase during the selected term Ability to convert all or a portion of the benefit amount into cash value life insurance Flexibility to keep the policy if you change jobs or retire Built in terminal illness accelerated death benefit that provides up to 75 of the policy s death benefit up to 150 000 if you re diagnosed with a terminal illness1 Premium savings for face amounts over 250 000 based on your health 54 of Americans have life insurance coverage with an average coverage gap of 200 000 LIMRA 2021 Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States TERM LIFE ITL5000

How to File a Claim for Colonial Life Benefits FOR FASTEST RESULTS FILE ONLINE 1 Go to ColonialLife com access to login or register 2 Fill out the required information and click Submit 3 Enjoy streamlined claims management and faster service online DIGITALLY FILE ALL TYPES OF CLAIMS Disability Insurance Accident Hospital Insurance Life Insurance Critical Illness Cancer Insurance Wellness benefits for screening tests Not sure which type of claim to file No problem Just answer a few questions on the portal and we ll help you figure everything out BEFORE YOU FILE Review the appropriate claims checklist at ColonialLife com and have this information handy to make the process go smoothly Proper documentation must be submitted when filing your claim AFTER YOU FILE Check your claim status and manage your claim by logging into your account at ColonialLife com access Live chat is also available 9 a m 5 p m EST OTHER WAYS TO FILE A CLAIM Fax 1 800 880 9325 Mail P O Box 100195 Columbia SC 29202 Colonial Life is committed to providing you our valued customer a market leading claims experience We look forward to serving you on ColonialLife com On the policyholder portal you can View benefit details Here you ll find a copy of your policy to see what s covered and benefit amounts Track your claim Log in anytime to view status or opt in to receive status alerts by email or text so you know instantly if we require additional information Sign up for direct deposit to get approved payments up to a week faster than paper check Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company Columbia SC 2022 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company ADR 1312251

Thank you Colonial Life Voluntary Benefits Please contact Shelley Hartsell Benefits Specialist 704 883 4838 Sh e l le y Ha rtse l l C o lo n i a lLi feS a le s c om