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2024 Benefit Booklet

Learn more online at:ColonialLife.comColonial Life provides benets 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. <b>Kitty Mellone</b>Kmellone@coloniallifenc.com704-907-3944Life is anything but expected. That’s why we’re here.ProductsDisability InsuranceProvides financial protection to cover income loss from a covered disability. Hospital Confinement Indemnity Insurance (Medical Bridge)Provides benefits to help cover the cost of a hospital stay and other medical procedures for a covered accident or sickness, regardless of what health insurance pays.Accident InsuranceFrom a fall to a car accident, this coverage offers a range of benefits to help cover medical or non-medical related expenses due to a covered accident.Cancer InsuranceProvides benefits for a cancer diagnosis and treatment. Option to add cancer screening benefit.Critical Illness InsuranceProvides lumpsum benefits for a covered critical illness, such as a heart attack or stroke.Term Life InsuranceProvides a predictable way to provide life coverage at more affordable prices during high-need years.Whole Life InsuranceProvides protection for a lifetime. Features guaranteed level premiums and increasing cash values over time. Option to increase coverage on the second, fifth and eighth year of the policy’s anniversary.Dental InsuranceProvides coverage for a wide range of dental services, from routine cleanings to root canals. There are no waiting periods for preventive or basic services, such as fillings and simple extractions. Offers additional savings through a large national network of providers. A Network Access Plan is available.

Individual Short Term Disability Insurance You never know when a disability could impact your way of life Fortunately there s a way to help protect your income If a covered accident or sickness prevents you from earning a paycheck disability insurance can provide a monthly benefit to help you cover your ongoing expenses Can you afford to not protect your income You don t have the same lifestyle expenses as the next person That s why you need disability coverage that can be customized to fit your specific needs After calculating your monthly expenses your benefits counselor can help you complete the benefits worksheet MONTHLY EXPENSES Round to the nearest hundred ColonialLife com 1 Rent or mortgage 2 Transportation 3 Utilities phone internet electricity gas water etc 4 Food and necessities 5 Other expenses Total monthly expenses add lines 1 5 together Benefits worksheet How much coverage do I need Monthly benefit amount for off job accident and off job sickness ______________ Choose a monthly benefit amount between 400 and 6 500 If your plan includes on job accident sickness benefits the benefit is 50 of the off job amount What is the benefit period Benefit period _______ months The partial disability benefit period is three months When may my total disability benefits start After an accident _______ days After a sickness _______ days Subject to income requirements ISTD3000 BASE

Benefits listed are for each covered person per covered accident unless otherwise specified Initial Care l Accident Emergency Treatment 150 l Ambulance 400 l X ray Benefit 50 l Air Ambulance 2 000 Common Accidental Injuries Dislocations Separated Joint Hip Knee except patella Ankle Bone or Bones of the Foot other than Toes Collarbone Sternoclavicular Lower Jaw Shoulder Elbow Wrist Bone or Bones of the Hand Collarbone Acromioclavicular and Separation One Toe or Finger Fractures Depressed Skull Non Depressed Skull Hip Thigh Body of Vertebrae Pelvis Leg Bones of Face or Nose except mandible or maxilla Upper Jaw Maxilla Upper Arm between Elbow and Shoulder Lower Jaw Mandible Kneecap Ankle Foot Shoulder Blade Collarbone Vertebral Process Forearm Wrist Hand Rib Coccyx Finger Toe Non Surgical Surgical 6 600 3 300 2 640 1 650 990 990 330 330 13 200 6 600 5 280 3 300 1 980 1 980 660 660 Non Surgical Surgical 5 500 2 200 3 300 1 650 770 770 770 660 660 660 550 440 220 11 000 4 400 6 600 3 300 1 540 1 540 1 540 1 320 1 320 1 320 1 100 880 440 Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident l Burn based on size and degree 1 000 to 12 000 l Coma 10 000 l Concussion 150 l l Emergency Dental Work 75 Extraction 300 Crown Implant or Denture Lacerations based on size 50 to 800 Requires Surgery l Eye Injury 300 l Tendon Ligament Rotator Cuff 500 one 1 000 two or more l Ruptured Disc 500 l Torn Knee Cartilage 500 Surgical Care l Surgery cranial open abdominal or thoracic 1 500 l Surgery hernia 150 l Surgery arthroscopic or exploratory 250 l Blood Plasma Platelets 300

Transportation Lodging Assistance If injured covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital l l Transportation 500 per round trip up to 3 round trips Lodging family member or companion 125 per night up to 30 days for a hotel motel lodging costs Accident Hospital Care l Hospital Admission 1 500 per accident Hospital ICU Admission 3 000 per accident We will pay either the Hospital Admission or Hospital Intensive Care Unit ICU Admission but not both l l Hospital Confinement 250 per day up to 365 days per accident l Hospital ICU Confinement 500 per day up to 15 days per accident Accident Follow Up Care l l Accident Follow Up Doctor Visit 50 up to 3 visits per accident Medical Imaging Study 250 per accident limit 1 per covered accident and 1 per calendar year l Occupational or Physical Therapy 35 per treatment up to 10 days l Appliances 125 such as wheelchair crutches l Prosthetic Devices Artificial Limb 500 one 1 000 more than 1 l Rehabilitation Unit 100 per day up to 15 days per covered accident and 30 days per calendar year Maximum of 30 days per calendar year Accidental Dismemberment l Loss of Finger Toe 750 one 1 500 two or more l Loss or Loss of Use of Hand Foot Sight of Eye 7 500 one 15 000 two or more Catastrophic Accident For severe injuries that result in the total and irrecoverable l Loss of one hand and one foot l Loss of the sight of both eyes l Loss of both hands or both feet l Loss of the hearing of both ears l Loss or loss of use of one arm and one leg or l Loss of the ability to speak l Loss or loss of use of both arms or both legs Named Insured 25 000 Spouse 25 000 Child ren 12 500 365 day elimination period Amounts reduced for covered persons age 65 and over Payable once per lifetime for each covered person Accidental Death Accidental Death Common Carrier l Named Insured 25 000 100 000 l Spouse 25 000 100 000 l Child ren 5 000 20 000

Health Screening Benefit l 50 per covered person per calendar year Provides a benefit if the covered person has one of the health screening tests performed This benefit is payable once per calendar year per person and is subject to a 30 day waiting period Tests include l Blood test for triglycerides l Hemoccult stool analysis l Bone marrow testing l Mammography l Breast ultrasound l Pap smear l CA 15 3 blood test for breast cancer l PSA blood test for prostate cancer l CA125 blood test for ovarian cancer l l Carotid doppler Serum cholesterol test to determine level of HDL and LDL l CEA blood test for colon cancer l l Chest x ray Serum protein electrophoresis blood test for myeloma Colonoscopy l l Stress test on a bicycle or treadmill Echocardiogram ECHO l l Skin cancer biopsy Electrocardiogram EKG ECG l l Thermography Fasting blood glucose test l l ThinPrep pap test Flexible sigmoidoscopy l l Virtual colonoscopy My Coverage Worksheet For use with your Colonial Life benefits counselor Who will be covered check one 21 15 Mo Employee Spouse 29 00 Mo 32 67 Mo Two Parent Family 40 47 Mo On and Off Job Benefits Off Job Only Benefits EXCLUSIONS We will not pay benefits for losses that are caused by or are the result of hazardous avocations felonies or illegal occupations racing semi professional or professional sports sickness suicide or self inflicted injuries war or armed conflict in addition to the exclusions listed above we also will not pay the Catastrophic Accident benefit for injuries that are caused by or are the result of birth intoxication For cost and complete details see your Colonial Life benefits counselor Applicable to policy form Accident 1 0 HS NC This is not an insurance contract and only the actual policy provisions will control Colonial Life 1200 Colonial Life Boulevard Columbia South Carolina 29210 coloniallife com 2014 Colonial Life Accident Insurance Company Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 6 14 71740 NC Accident 1 0 Preferred with Health Screening Benefit When are covered accident benefits available check one

Cancer Insurance Level 3 Benefits BENEFIT DESCRIPTION Cancer insurance helps provide financial protection through a variety of benefits These benefits are not only for you but also for your covered family members BENEFIT AMOUNT Air ambulance 2 000 per trip Transportation to or from a hospital or medical facility max of two trips per confinement Ambulance 250 per trip Transportation to or from a hospital or medical facility max of two trips per confinement Anesthesia Administered during a surgical procedure for cancer treatment General anesthesia 25 of surgical procedures benefit Local anesthesia 40 per procedure Anti nausea medication 50 per day administered or Doctor prescribed medication for radiation or chemotherapy 200 monthly max per prescription filled Blood plasma platelets immunoglobulins 175 per day A transfusion required during cancer treatment 10 000 calendar year max Bone marrow donor screening 50 Testing in connection with being a potential donor once per lifetime Bone marrow or peripheral stem cell donation 750 Receiving another person s bone marrow or stem cells for a transplant once per lifetime Bone marrow or peripheral stem cell transplant 7 000 per transplant Transplant you receive in connection with cancer treatment max of two bone marrow transplant benefits per lifetime Cancer vaccine 50 An FDA approved vaccine for the prevention of cancer once per lifetime Companion transportation 0 50 per mile Companion travels by plane train or bus to accompany a covered cancer patient more than 50 miles one way for treatment up to 1 200 per round trip Egg s extraction or harvesting sperm collection and storage Extracted harvested or collected before chemotherapy or radiation once per lifetime Egg s extraction or harvesting sperm collection 1 000 Egg s or sperm storage cryopreservation 350 Experimental treatment 300 per day Hospital medical or surgical care for cancer 15 000 lifetime max For more information talk with your benefits counselor Family care 50 per day Inpatient or outpatient treatment for a covered dependent child 2 500 calendar year max Hair external breast voice box prosthesis 350 per calendar year Prosthesis needed as a direct result of cancer Home health care services 100 per day Examples include physical therapy occupational therapy speech therapy and audiology prosthesis and orthopedic appliances rental or purchase of durable medical equipment up to 30 days per calendar year or twice the number of days hospital confined whichever is greater Hospice initial or daily care An initial one time benefit and a daily benefit for treatment 15 000 lifetime max for both Initial hospice care once per lifetime 1 000 Daily hospice care 50 per day CANCER ASSIST LEVEL 3

Specified Critical Illness Insurance If you re diagnosed with a covered critical illness 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 10 000 Face amount _______________ Critical illness benefit For the diagnosis of this covered critical illness condition 1 For more information talk with your benefits counselor ColonialLife com This percentage of the face amount is payable Heart attack myocardial infarction 100 Stroke 100 End stage renal kidney failure 100 Major organ failure 100 Permanent paralysis due to a covered accident 100 Coma 100 Blindness 100 Occupational infectious HIV or occupational infectious hepatitis B C or D 100 Coronary artery bypass graft surgery disease2 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 coronary artery bypass graft surgery disease2 and occupational infectious HIV or occupational infectious hepatitis B C or D CRITICAL ILLNESS 1 0 WITH SUBSEQUENT DIAGNOSIS

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 PL5 CI 1 0 PL6 or CI 1 0 PL9 including state abbreviations where used 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 10 19 101824 1

Critical Illness Insurance Health Screening Benefit The optional health screening benefit can help you reduce the risk of serious illness through early detection Health screening benefit __50 00_____________ Maximum of one screening test per covered person per calendar year Blood test for triglycerides Pap smear Bone marrow testing PSA blood test for prostate cancer Breast ultrasound Serum cholesterol test for HDL and LDL levels CA 15 3 blood test for breast cancer CA 125 blood test for ovarian cancer Carotid Doppler CEA blood test for colon cancer Chest X ray Colonoscopy Echocardiogram ECHO Electrocardiogram EKG ECG For more information talk with your benefits counselor Fasting blood glucose test Serum protein electrophoresis blood test for myeloma Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopy Flexible sigmoidoscopy Hemoccult stool analysis Mammography ColonialLife com THIS POLICY INSURANCE PROVIDES LIMITED BENEFITS Insureds in GA MA MN and VT must be covered by comprehensive health insurance before applying for critical illness or cancer insurance This information is not intended to be a complete description of the insurance coverage available The policy insurance or its provisions may vary or be unavailable in some states The policy insurance has exclusions and limitations which may affect any benefits payable Applicable to policy form CI 1 0 P and GCC1 0 P and certificate form GCC1 0 C including state abbreviations where used for example CI 1 0 P TX GCC1 0 P TX and GCC1 0 C TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 2021 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company GROUP CRITICAL CARE CRITICAL ILLNESS 1 0 HEALTH SCREENING BENEFIT 5 21 100355 4

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 much coverage do you need YOU __________________ Select the term period 10 year 15 year 20 year 30 year SPOUSE ______________ Select the term period 10 year 15 year 20 year 30 year Select any optional riders Spouse term life rider _____________ face amount for ______ year term period Children s term life rider _____________ face amount Accidental death benefit rider Optional riders At an additional cost you can purchase the following riders for even more financial protection Spouse term life rider Your spouse can have up to 50 000 of coverage for a 10 year or 20 year term period Children s term life rider You can purchase up to 20 000 in term life coverage for all of your eligible dependent children and pay one premium The children s term life rider may be added to either your policy or your spouse s policy not both Accidental death benefit rider The beneficiary may receive an additional benefit if the covered person dies as a result of an accident before age 70 The benefit doubles if the accidental bodily injury occurs while riding as a fare paying passenger using public transportation such as ride sharing services An additional 25 will be payable if the injury is sustained while driving or riding in a private passenger vehicle and wearing a seatbelt Chronic care accelerated death benefit rider If a licensed health care practitioner certifies that you have a chronic illness you may receive an advance on all or a portion of the death benefit available in a one time lump sum or monthly payments 1 A chronic illness means you require substantial supervision due to a severe cognitive impairment or you may be unable to perform at least two of the six Activities of Daily Living Premiums are waived during the benefit period Critical illness accelerated death benefit rider Chronic care accelerated If you suffer a heart attack myocardial infarction stroke or end stage renal kidney failure a 5 000 benefit is payable 1 A subsequent diagnosis benefit is included Critical illness Waiver of premium benefit rider Waiver of premium Premiums are waived for the policy and riders if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six month elimination period 3 death benefit rider accelerated death benefit rider benefit rider 1 Any payout would reduce the death benefit Benefits may be taxable as income Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benefits 2 Activities of daily living are bathing continence dressing eating toileting and transferring 3 You must resume premium payments once you are no longer disabled EXCLUSIONS AND LIMITATIONS To learn more talk with your Colonial Life benefits counselor If the insured dies by suicide whether sane or insane within two years one year in ND from the coverage effective date or the date of reinstatement we will not pay the death benefit We will terminate this policy and return the premiums paid without interest minus any loans and loan interest to you 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 ICC18 ITL5000 ITL5000 and rider forms ICC18 R ITL5000 STR R ITL5000 STR ICC18 R ITL5000 CTR RITL5000 CTR ICC18 R ITL5000 WP R ITL5000 WP ICC18 R ITL5000 ACCD R ITL5000 ACCD ICC18 R ITL5000 CI R ITL5000 CI ICC18 R ITL5000 CC R ITL5000 CC plus state abbreviations where applicable for example ITL5000 TX For cost and complete details of the coverage call or write your Colonial Life benefits counselor or the company 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 ColonialLife com FOR EMPLOYEES 6 22 101895 3

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 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 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 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 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

Benefits worksheet For use with your benefits counselor HOW MUCH COVERAGE DO YOU NEED YOU ___________________ Select the option Paid Up at Age 70 Paid Up at Age 100 SPOUSE _______________ Select the option Paid Up at Age 70 Paid Up at Age 100 DEPENDENT STUDENT ____________ Paid Up at Age 70 Paid Up at Age 100 Select any optional riders S pouse term life rider _____________ face amount for ________ year term period Children s term life rider _____________ face amount Accidental death benefit rider Chronic care accelerated death benefit rider Additional coverage options Spouse term life rider Cover your spouse up to a maximum death benefit of 50 000 10 year and 20 year spouse term riders are available Juvenile whole life policy You can purchase a policy while children are young and premiums are low whether or not you buy a policy on yourself You may also increase the coverage when the child is 18 21 and 24 without providing proof of good health The plan is paid up at age 70 Children s term life rider You may purchase up to 20 000 in term life coverage for all of your eligible dependent children and pay one premium The children s term life rider may be added to either your policy or your spouse s policy not both Accidental death benefit rider The beneficiary may receive an additional benefit if the covered person dies as a result of an accident before age 70 The benefit doubles if the accidental bodily injury occurs while riding as a fare paying passenger using public transportation such as ride sharing services An additional 25 will be payable if the injury is sustained while driving or riding in a private passenger vehicle and wearing a seatbelt Chronic care accelerated death benefit rider If a licensed health care practitioner certifies that you have a chronic illness you may receive an advance on all or a portion of the death benefit available in a one time lump sum or monthly payments 2 A chronic illness means you require substantial supervision due to a severe cognitive impairment or you may be unable to perform at least two of the six Activities of Daily Living bathing continence dressing eating toileting and transferring Premiums are waived during the benefit period Critical illness accelerated death benefit rider If you suffer a heart attack myocardial infarction stroke or end stage renal kidney failure a 5 000 benefit is payable 2 A subsequent diagnosis benefit is included Guaranteed purchase option rider If you are age 50 or younger when you purchase the policy you can add the rider which allows you to purchase additional whole life coverage without having to answer health questions at three different points in the future You may purchase up to your initial face amount not to exceed a total combined maximum of 100 000 for all options Critical illness accelerated death benefit rider Waiver of premium benefit rider Premiums are waived for the policy and riders if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six month elimination period Once you are no longer disabled premium payments will resume Guaranteed purchase option rider 1 Loan should be repaid to protect the policy s value Waiver of premium benefit rider 2 Any payout would reduce the death benefit Benefits may be taxable as income Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benefits EXCLUSIONS AND LIMITATIONS To learn more talk with your benefits counselor ColonialLife com If the insured dies by suicide whether sane or insane within two years one year in ND from the coverage effective date or the date of reinstatement we will not pay the death benefit We will terminate this policy and return the premiums paid without interest minus any loans and loan interest to you Product may vary by state For costs and complete details of the coverage call or write your Colonial Life benefits counselor or the company This brochure is applicable to policy forms ICC19 IWL5000 70 IWL5000 70 ICC19 IWL5000 100 IWL5000 100 ICC19 IWL5000J IWL5000J and rider forms ICC19 R IWL5000 STR R IWL5000 STR ICC19 R IWL5000 CTR R IWL5000 CTR ICC19 R IWL5000 WP R IWL5000 WP ICC19 R IWL5000 ACCD RIWL5000 ACCD ICC19 R IWL5000 CI R IWL5000 CI ICC19 R IWL5000 CC R IWL5000 CC ICC19 RIWL5000 GPO R IWL5000 GPO and applicable state variations 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 6 19 101935

Dental insurance from Colonial Life can help preserve your smile with easy-to-use coverage that promotes overall wellness. Benefits can help with a variety of dental costs, from routine cleanings to more advanced procedures. Coverage is available for you, your spouse and dependent children.Plan detailsThe benefit year maximum for this plan is $1,000.Class A, B and C services apply toward the benefit year maximum.This plan has a deductible of $50 per person. Families only pay the deductible for a maximum of three people. Applies only to class B and C services.The co-insurance for this plan is:For more information, talk with your benefits counselor.Dental InsurancePlan 2 – $1,000, 100% | 80% | 50% ColonialLife.comIDN8000 – PLAN 2CLASS TYPE OF SERVICE INSURANCE PAYSClass A Preventive services 100%Class B Basic services 80%Class C Major services 50%See reverse for covered procedures and waiting periods.NetworkOur national dental network oers more than 323,000 access points.1 Members may choose any dentist but may receive additional savings by choosing an in-network dentist. Plus, services not covered by this plan may also still be eligible for in-network savings.2 Out-of-network benefits are paid at the network negotiated rate.3To locate a participating dentist, access the provider search at ColonialLife.com.

Covered procedures and waiting periodsColonialLife.com1-18 | 101837Preventive services (Class A): No waiting period  Routine exams and cleanings (twice every 12 months) – 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)  Children’s services (up to age 14) – Fluoride treatment (once every 12 months) – Sealants (once every 36 months) – Space maintainers (up to age 14; once every 24 months)  Adjunctive pre-diagnostic oral cancer screening (for age 40 or older; once every 12 months)Basic services (Class B): No waiting period  Full mouth/panoramic X-rays (once every five years)  Simple restorative services (fillings)  Simple extractions  Emergency treatmentMajor services (Class C): 12-month waiting period  Oral surgery (extractions and impacted teeth)  Anesthesia (subject to review; covered with complex oral surgery)  Repair of crown, denture or bridge  Periodontics (gum treatments)  Endodontics (root canals)  Inlays and onlays  Crowns  Bridges  Dentures  Endosteal implants (in lieu of an approved three-unit bridge)©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.1 Internal data (2017). Access points are sites where network dentists see patients. Some dentists may be available at more than one access point.2 Not an insured benefit. 3 If you visit an out-of-network dentist, you may be billed for remaining amounts over the benefit amount paid, up to the billed charge. 4 Member may have one additional periodontal maintenance in lieu of an additional cleaning. Periodontal maintenance is a major service and subject to a 12-month waiting period.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. See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability.

Dental PPO InsurancePlan 3 – $1,500 | 100% | 80% | 50%Life is full of unexpected smiles, and good oral health helps maintain them. Colonial Life dental insurance helps you pay for routine and costly dental care for you and your family, so you can focus on what’s important. POLICY DETAILSThe policy year maximum benet for this policy is $1,500 per person. Class A, B and C services apply toward the maximum.This policy has a deductible of $50 per person, per policy year for class B and C services. Each covered family member pays a deductible up to a maximum of three members each policy year.The co-insurance for this policy is:NETWORK BENEFITSNetwork providers have agreed to charge discounted rates for covered services. You receive the benet of discounted services, and pay only your co-insurance portion and any applicable deductible. Plus, network providers will le your claim for you, so you don’t have to deal with the paperwork.OUT-OF-NETWORK BENEFITSOut-of-network providers haven’t agreed to discounted rates, and their fees may vary signicantly. Your policy’s co-insurance may not cover the total costs of dental care and, in addition to any deductible, you are responsible for any remaining balance. This is referred to as “balance billing” and only happens when you go out of network.CLASS TYPE OF SERVICE INSURANCE PAYSClass A Preventive Services 100% Class B Basic Services 80%Class C Major Services 50%LARGE NATIONAL NETWORK• Save more with 117,000+ unique providers• Claims led for members by providers• Easy provider search on ColonialLifeDental.com• In-house recruiting team dedicated to expanding the network IDN8000 - PLAN 3How does this policy pay benets for network and out-of-network care?101838-2

THIS POLICY PROVIDES LIMITED BENEFITSThis policy is not available in ZIP codes beginning with 025. 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 policy has exclusions and limitations which may affect any benets payable. Applicable to policy form IDN8000 (including state abbreviations where used, for example: IDN8000-TX). For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. 2-21 | 101838-21. Member may have one additional periodontal maintenance in place of an additional cleaning.2. Waiting periods may be waived if takeover applies.3. No waiting periods in Maine. Six-month waiting period in Vermont.ColonialLifeDental.comCovered procedures and waiting periodsPREVENTIVE SERVICES (CLASS A): NO WAITING PERIOD• Routine exams and cleanings (twice every 12 months) ‐ One additional cleaning per 12 months if member is in second or third trimester of pregnancy1• X-rays ‐ Bitewing x-rays (up to four lms, once every 12 months)• Children’s services (up to age 14) ‐ Fluoride treatment (once every 12 months) ‐ Sealants (once every 36 months) ‐ Space maintainers (up to age 14, once every 24 months)• Oral cancer screening (for age 40 +, once every 12 months)BASIC SERVICES (CLASS B): NO WAITING PERIOD• Full mouth/panoramic x-rays (once every ve years)• Fillings• Simple extractions• Emergency treatmentMAJOR SERVICES (CLASS C): 12-MONTH WAITING PERIOD2,3• Oral surgery (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• Endosteal implants (in place of a three-unit bridge)For more information about this dental policy, talk with your benets counselor.Oral wellness is an essential component of our overall health. Based on experience with my own patients, people who actively seek regular dental care have a greater chance to be healthier and happier than people who don’t.Jim Di MarinoDMD, Dental Director for Colonial Life101838-2

Dental PPO Insurance Plan 4 Premier 2 000 100 80 50 Life is full of unexpected smiles and good oral health helps maintain them Colonial Life dental insurance helps you pay for routine and costly dental care for you and your family so you can focus on what s important How does this policy pay benefits for network and out of network care NETWORK BENEFITS POLICY DETAILS The policy year maximum benefit for this policy is 2 000 per person Class A B and C services apply toward the maximum This policy has a deductible of 50 per person per policy year for class B and C services Each covered family member pays a deductible up to a maximum of three members each policy year The co insurance for this policy is CLASS TYPE OF SERVICE INSURANCE PAYS Class A Preventive services 100 Class B Basic services 80 Class C Major services 50 LARGE NATIONAL NETWORK Save more with 117 000 unique providers Claims filed for members by providers Easy provider search on ColonialLifeDental com In house recruiting team dedicated to expanding the network 526763 4 Network providers have agreed to charge discounted rates for covered services You receive the benefit of discounted services and pay only your co insurance portion and any applicable deductible Plus network providers will file your claim for you so you don t have to deal with the paperwork OUT OF NETWORK BENEFITS Out of network providers haven t agreed to discounted rates and their fees may vary significantly Your policy s co insurance may not cover the total costs of dental care and in addition to any deductible you are responsible for any remaining balance This is referred to as balance billing and only happens when you go out of network IDN8000 PLAN 4 PREMIER

Covered procedures and waiting periods PREVENTIVE SERVICES CLASS A NO WAITING PERIOD Routine exams and cleanings twice every 12 months One additional cleaning per 12 months if member is in second or third trimester of pregnancy1 X rays Bitewing X rays up to four films once every 12 months Full mouth X rays once every five years Children s services up to age 14 Fluoride treatment once every 12 months Sealants once every 36 months Space maintainers up to age 14 once every 24 months Oral wellness is an essential component of our overall health Based on experience with my own patients people who actively seek regular dental care have a greater chance to be healthier and happier than people who don t Oral cancer screening for age 40 once every 12 months Jim Di Marino BASIC SERVICES CLASS B NO WAITING PERIOD DMD Dental Director for Colonial Life Fillings Simple extractions Periodontics gum treatments Endodontics root canals Repair of crowns dentures or bridges Emergency treatment MAJOR SERVICES CLASS C 12 MONTH WAITING PERIOD2 3 Oral surgery extractions and impacted teeth Anesthesia covered with complex oral surgery Inlays and onlays Crowns Bridges Dentures Endosteal implants in place of a three unit bridge For more information about this dental policy talk with your benefits counselor 1 Member may have one additional periodontal maintenance in place of an additional cleaning 2 Waiting periods may be waived if takeover applies 3 No waiting period in Maine Six month waiting period in Vermont THIS POLICY PROVIDES LIMITED BENEFITS A NETWORK ACCESS PLAN IS AVAILABLE No benefits will be paid for replacement of teeth missing prior to the effective date of coverage This product is not available in ZIP codes beginning with 025 ColonialLifeDental com 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 IDN8000 including state abbreviations where used for example IDN8000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC 526763 4 2021 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 10 21 526763 4

Individual Dental PPO Insurance Vision Rider Dental insurance offers an optional vision rider to help pay for eye exams and materials such as glasses and contact lenses This coverage can help you maintain healthy vision and overall wellness as well as provide valuable financial protection for you your spouse and dependent children Vision benefits IN NETWORK OUT OF NETWORK ALLOWANCE CO PAYS Exam once per 12 months 10 Up to 35 Materials 25 See below STANDARD PLASTIC LENSES1 once per 12 months For more information talk with your benefits counselor Single vision Covered by co pay Up to 25 Bifocal Covered by co pay Up to 40 Trifocal Covered by co pay Up to 50 Lenticular 80 allowance Up to 50 Progressive 80 allowance Up to 40 Polycarbonate lenses for children to age 19 Covered by co pay N A FRAMES1 once per 12 months Choose any frame available at provider locations 120 allowance Up to 50 CONTACT LENSES2 once per 12 months Includes fit follow up and materials In lieu of eyeglass lenses and frames Elective Up to 120 allowance Up to 100 allowance Medically necessary Up to 120 allowance Up to 210 allowance Freedom of choice ColonialLife com You ll have access to a national vision network that includes independent optometrists ophthalmologists and retail stores including Walmart Sam s Club Optical Costco 3 Pearle Vision and Target Additional vision benefit advantages Eye exams and materials frames lenses can be purchased from different locations and providers For example you could have an eye exam with your favorite eye care professional and order contacts online Check the network for Value Added and Service Plus providers They can provide special discounts for extra purchases of lenses and coatings frames contact lenses and other products IDN8000 VISION RIDER

Special discounts on material purchases4 Providers identified as Value Added or Service Plus in our online provider directory offer the following additional values for our members on vision material purchases We encourage you to contact your selected provider prior to visiting their location to confirm their continued participation Not all providers such as Walmart Sam s Club and Costco Optical 3 choose to participate in these special discounts Value Added providers DISCOUNTS FOR FIRST PAIR OF GLASSES Lens options add ons for insured purchases UV coating 15 Polarized 75 Standard polycarbonate 40 Solid tinting gradient tinting 15 Transition 75 Standard scratch resistance coating 15 Progressive lenses Standard 110 Premium 170 Ultra member receives a 20 discount High index single vision 1 56 1 60 60 1 66 20 discount Standard anti reflective coating 45 Premium anti reflective coating 70 Ultra anti reflective coating 20 discount High index multi focal 1 56 1 60 75 1 66 20 discount PURCHASE A SECOND PAIR OF GLASSES AND RECEIVE PREFERRED PRICING Lenses Single vision plastic lenses 40 Trifocal lenses 70 Bifocal plastic lenses 60 Progressive lenses standard 110 Progressive lenses premium and ultra 20 discount DISCOUNTS ON FRAMES CONTACT LENSES AND OTHER PRODUCTS Frames Up to 35 discount Contact Lenses 5 15 discount depending on type Other products 20 discount on non prescription sunglasses and other ancillary products solutions5 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 resistance coating Standard anti reflective coating Premium anti reflective coating Transition Standard polycarbonate 1 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit 2 The contact lenses benefit is paid in lieu of eyeglass lenses and frames Contact lenses consist of three components materials exams and fittings Coverage is for materials and the exam up to the contact lenses allowance Fittings may be covered but only up to the amount of any unused contact lenses allowance after materials 3 Optometrists at Costco Optical outlets are independent of Costco and may not be in network To verify that your vision exam will be fully covered after co pay confirm that your doctor is an in network provider Special payment and reimbursement terms apply for material purchases at Costco Additional discounts are not applicable ColonialLife com 4 Not a covered benefit These schedules are subject to change without notice Added value discounts may not be available in all geographical areas and vary by network Many providers are not able to offer discounts on Prestige frames Special lens packages that combine numerous lens enhancements at value price points are not covered by these added value programs Cannot be combined with any other promotions or discounts 5 Some retail chains sell sunglasses in departments outside of their optical shops where discounts do not apply The policy or its provisions may vary or be unavailable in some states The policy had exclusions and limitations which may affect any benefits payable See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company Underwritten by Colonial Life Accident Insurance Company Columbia SC 1 18 101851

Dental PPO Member Guide Dental insurance coverage provides valuable protection for both your smile and your wallet Below is information to help use the plan USING THE DENTAL VISION NETWORKS The name of the dental network is DenteMax Plus AlwaysCare 1 The name of the vision network if applicable to your coverage is First Look Find a network provider by visiting ColonialLifeDental com ID CARDS ID cards are mailed to your home address within 10 business days of enrolling Only the main insured s name will be listed Included with your ID card is a list of the eight nearest network providers based on your home address Vision coverage if purchased includes a separate ID card Below are samples of ID cards and the mailing envelope they are sent in 8485 Goodwood Boulevard Baton Rouge LA 70806 7878 DOWNLOAD THE ALWAYSASSIST MOBILE APP AlwaysAssist makes it simple to access your dental and vision benefits information You can View benefits claim status ID cards and more Find the app in the App Store or Google Play or visit the website ColonialLifeDental com Register using your Social Security number or member ID which can be found on your ID card IMPORTANT Your insurance documents are enclosed CLA OE WIN 9 18 DENTAL ID Card E L P M SA Policyholder Name Member Claims No XXXXXXX Cov Code D Policy No XXXXXX Eff Date 02 01 2022 Plan SCA Network PPO DenteMax Plus AlwaysCare Deductible 50 per benefit year Payor ID STR01 Underwritten by Colonial Life Accident Insurance Company HOW TO USE YOUR DENTAL BENEFITS Scan this code or go directly to ColonialLifeDental com to access AlwaysAssist E L P AM Register and manage your account at AlwaysAssist com Request pre treatment estimates for all services over 300 Member Customer Service 888 400 9304 Provider Services 855 400 9330 Faster claims processing is available for network providers at AlwaysAssist com S Mail claims to Dental Claims Department P O Box 80139 Baton Rouge LA 70898 0139 10 18 NS 15928 1

CLAIMS Pre treatment Estimates We recommend that your provider submits this when treatment is expected to exceed 300 A claims examiner will review the treatment plan in advance and advise how the plan will pay so you know what your cost will be CUSTOMER SERVICE Our dental customer service team is available to answer your questions Claim Forms Most providers will file claims on your behalf but if you do need to submit your own claim you can find the forms you need on ColonialLifeDental com Monday Friday 8 a m 8 p m ET Saturdays 10 a m 4 p m ET Their phone number is 888 400 9304 Need assistance not related to dental Visit ColonialLife com 24 7 or call customer service at 800 325 4368 1 In Louisiana and Mississippi the name of the dental network is DenteMax AlwaysCare No benefits will be paid for replacement of teeth missing prior to the effective date of coverage Underwritten by Colonial Life Accident Insurance Company Columbia SC 2021 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company ColonialLifeDental com FOR EMPLOYEES 9 21 818100

Dental Network More choices greater savings Save more by visiting a network dentist With dental insurance from Colonial Life you ll have access to a nationwide network of more than 323 000 access points1 You can visit any dentist but you ll stretch your benefits by selecting from our DenteMax Plus AlwaysCare network of dental professionals 323 000 dental access points1 How much can you save Dental costs vary from region to region but our dental members everywhere benefit two ways Discounted fees for in network services Insurance coverage of up to 50 80 or even 100 For more information talk with your Colonial Life benefits counselor Our members also receive in network discounts to help offset dental expenses like routine cleanings and X rays as well as major expenses such as implants crowns and oral surgery In network savings2 DENTAL PROCEDURE ColonialLife com AVERAGE COST RANGE MEMBER OUT OF POCKET COST Periodic oral exam3 40 50 0 Adult cleaning3 74 87 0 Four bitewing X rays3 50 62 0 Crown porcelain ceramic 1 000 1 195 425 508 Root canal therapy back tooth 1 015 1 095 432 465 IDN8000 DENTEMAX ALWAYSCARE NETWORK

95 Overall dental and vision member satisfaction4 Using our dental network is easy Our DenteMax Plus AlwaysCare network gives you access to top dental professionals in your area making it easy to locate a dentist who s right for you Refer to the document that came with your Colonial Life dental ID card to see a list of dentists closest to you Click on the dental provider search tool on ColonialLife com Consult the AlwaysAssist mobile app Confirm that your dentist is in network by having the office verify participation in the DenteMax Plus AlwaysCare network prior to your appointment Remember claims forms are not needed for in network dentists Extended customer service hours ET Monday Friday 8 a m 8 p m Saturday 10 a m 4 p m ColonialLife com Online self service is available 24 7 at ColonialLife com We welcome provider referrals Email ReferAProvider ColonialLife com to request that your dentist be added to our network 1 Internal data 2017 Access points are sites where network dentists see patients Some dentists may be available at more than one access point 2 Savings based on in network discounts and covered benefits This is just an illustration Eligibility for entitlement to and amount of actual benefits will be determined according to the terms of your dental policy Based on Colonial Life internal data 2016 and average cost ranges from one ZIP code 70806 After enrollment use the Dental Cost Estimator on AlwaysAssist com for information specific to your ZIP code 3 Dental insurance usually pays 100 for these services Plans and benefits may vary 4 Starmount AlwaysCare Benefits 2017 Customer Satisfaction Survey 2017 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company Dental plans are underwritten by Colonial Life Accident Insurance Company Columbia SC 1 18 101841

Deductions per year: 26 These rates were prepared on 2/12/2024 and are valid for 90 days.Individual Disability - ISTD3000 for NC AA Risk ClassApplicable to policy form Individual DisabilitylOn/Off Job Accident and On/Off Job Sickness6 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $1,500* $2,000* $2,500* $3,000**monthly benefit amount0 days Accident/7 days Sickness 17-49 $21.00 $31.50 $42.00 $52.50 $63.0050-64 $24.83 $37.25 $49.66 $62.08 $74.4965-74 $42.28 $63.42 $84.55 $105.69 $126.8314 days Accident/14 days Sickness 17-49 $13.15 $19.73 $26.31 $32.88 $39.4650-64 $17.31 $25.96 $34.62 $43.27 $51.9265-74 $27.37 $41.05 $54.74 $68.42 $82.1112 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $1,500* $2,000* $2,500* $3,000**monthly benefit amount0 days Accident/7 days Sickness 17-49 $30.28 $45.42 $60.55 $75.69 $90.8350-64 $36.37 $54.55 $72.74 $90.92 $109.1165-74 $69.78 $104.68 $139.57 $174.46 $209.3514 days Accident/14 days Sickness 17-49 $19.15 $28.73 $38.31 $47.88 $57.4650-64 $24.23 $36.35 $48.46 $60.58 $72.6965-74 $46.98 $70.48 $93.97 $117.46 $140.95Accident 1.0 for NCApplicable to policy forms ACCIDENT 1.0-HS and ACCIDENT1.0-NSlOn/Off-Job Accident CoverageISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYPreferred with health screening 17-80 $9.76 $13.37 $15.08 $18.68Cancer Assist for NCApplicable to policy form CanAssistlwith $100 Health Screening Benefit$5,000 Initial Diagnosis BenefitCOVERAGE LEVEL ISSUE AGE NAMED INSURED EMPLOYEE AND SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYLevel 3 17-75 $15.76 $26.26 $16.20 $26.70Page 1 of 3Underwritten by Colonial Life & Accident Insurance CompanySee page 3 for Important Notice

Critical Illness 1.0 for NCApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.10 $3.18 $2.10 $3.1825-29 $2.42 $3.74 $2.42 $3.7430-34 $2.79 $4.34 $2.79 $4.3435-39 $3.90 $6.00 $3.90 $6.0040-44 $4.64 $7.10 $4.64 $7.1045-49 $6.02 $9.23 $6.02 $9.2350-54 $7.68 $11.81 $7.68 $11.8155-59 $9.48 $14.54 $9.48 $14.5460-64 $11.74 $18.04 $11.74 $18.0465-70 $14.24 $21.87 $14.24 $21.87Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.56 $3.92 $2.56 $3.9225-29 $3.16 $4.84 $3.16 $4.8430-34 $3.94 $6.09 $3.94 $6.0935-39 $5.47 $8.40 $5.47 $8.4040-44 $7.08 $10.89 $7.08 $10.8945-49 $9.11 $13.98 $9.11 $13.9850-54 $11.47 $17.58 $11.47 $17.5855-59 $14.56 $22.38 $14.56 $22.3860-64 $17.51 $26.90 $17.51 $26.9065-70 $21.44 $32.95 $21.44 $32.95Term Life (ITL5000) for NCApplicable to policy form ITL5000l20-Year Term Base Plan, Waiver of Premium Benefit, Accidental Death Benefit, Chronic Care Accelerated Death BenefitNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $6.32 $7.58 $10.45 $13.3135 $7.59 $8.33 $11.56 $14.8145 $10.33 $13.90 $19.94 $25.9655 $21.59 $28.43 $41.72 $54.9965 $31.86 $61.87 $91.88 $121.89Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $10.68 $11.12 $15.76 $20.3935 $12.23 $12.50 $17.82 $23.1645 $17.49 $24.83 $36.32 $47.8155 $39.91 $55.99 $83.05 $110.1165 $51.31 $100.78 $150.23 $199.69(Continued...)Page 2 of 3Underwritten by Colonial Life & Accident Insurance CompanySee page 3 for Important Notice

Whole Life Plus (IWL5000) for NCApplicable to policy forms ICC19-IWL5000-70/IWL5000-70,ICC19-IWL5000-100/IWL5000-100,ICC19-IWL5000J/IWL5000J and rider formsICC19-R-IWL5000-STR/R-IWL5000-STR,ICC19-R-IWL5000-CTR/R-IWL5000-CTR,ICC19-R-IWL5000-WP/R-IWL5000-WP,ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD,ICC19-R-IWL5000-CI/R-IWL5000-CI,ICC19-R-IWL5000-CC/R-IWL5000-CC,ICC19-R-IWL5000-GPO/R-IWL5000-GPO,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 100, Accelerated Death Benefit for Long-Term Care Services, Accidental Death Benefit,Guaranteed Purchase Option Benefit, Waiver of Premium BenefitNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $12.13 $24.27 $36.40 $48.5435 $16.32 $32.66 $48.98 $65.3145 $25.94 $51.90 $77.85 $103.8055 $42.98 $85.98 $128.96 $171.9565 $71.31 $142.63 $213.95 $285.26Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $20.18 $40.37 $60.55 $80.7435 $24.64 $49.30 $73.93 $98.5845 $37.09 $74.19 $111.28 $148.3755 $62.22 $124.45 $186.68 $248.9165 $101.69 $203.40 $305.10 $406.79Individual Dental PPO(IDN8000) for NCApplicable to policy form Individual Dental PPO(IDN8000)lwith Vision RiderZip Codes: 270, 271, 272, 273, 274, 275, 276, 277, 278, 280, 281, 282, 283, 284, 285, 286, 287, 288, 289COVERAGE LEVEL INDIVIDUAL INDIVIDUAL ANDSPOUSEINDIVIDUAL ANDCHILDRENINDIVIDUAL ANDFAMILYPlan 2 - 100/80/50, $1,000 MAC $19.31 $36.85 $45.67 $68.09Plan 3 - 100/80/50, $1,500 MAC $19.53 $37.29 $45.97 $68.63Plan 4 Premier - 100/80/50, $2,000 MAC $21.55 $41.13 $50.66 $75.64Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Rich Mellone | Richmellone@gmail.com | (704) 907-3997(Continued...)Page 3 of 3Underwritten by Colonial Life & Accident Insurance CompanySee page 3 for Important Notice

Policyholder Service Guide At Colonial Life our goal is to give you an excellent customer experience that is simple modern and personal Getting started Consider your options The easiest way to manage your business with us is through the My Colonial Life policyholder section of ColonialLife com Whether online or by phone we ll provide the service you need To sign up for the website 1 Visit ColonialLife com 2 Click Register at the top right 3 On the sign up page click Join the Policyholder Website Need ColonialLife com Submit your claim using our eClaims system 3 File health screening wellness and doctor s office visit claims up to 18 months 3 3 Check the status of your claim 3 3 Review print or download a copy of your policy certificate 3 Access claim and service forms 3 3 Access your claim correspondence 3 3 3 Complete a notification for a life claim 3 3 Update your contact information After providing some basic information you ll be ready to go 800 325 4368 Filing claims eClaims With the eClaims feature on ColonialLife com you can file claims online by simply answering a few questions and uploading your supporting documentation You re able to spend less time on paperwork and we re able to process your claim faster With eClaims you can file most claims online including Accident Hospital confinement indemnity Disability Critical illness Cancer Vision You can access eClaims through your computer or mobile device and upload any required supporting documentation Once you re logged in to ColonialLife com visit the Claims Center and select File an Online Claim to get started

Contact us Online ColonialLife com Log in and click on Contact Us to email us Telephone 1 800 325 4368 Contact Center representatives are available Monday through Friday 8 a m to 8 p m ET Information is available 24 7 through our automated phone system Please have your Social Security or policy number ready when you call Hearing impaired customers Customers with a Telecommunications Device for the Deaf TDD should call 803 798 4040 If you do not have a TDD call Voiance Telephone Interpretation Services at 844 495 6105 to reach us Health screening wellness claims The quickest way to receive the applicable benefits for your health screening wellness services is to file online For health screening wellness claims within 18 months of the date you are filing the claim click on File a Wellness Claim Online on the Claims Center page If you do not want to file online you can use the automated customer service center at 1 800 325 4368 For health screening wellness claims over 18 months you ll be directed to print out a paper claim form under the claims and service forms section on the Claims Center page Paper claims If you don t want to file online download the form you need by visiting the Claims Center page on ColonialLife com and clicking on claims and service forms For instructions on how to correctly complete your claim form view the claims videos on the Claims Center page Be sure that you complete all sections of the claim form Also include a diagnosis from your doctor along with copies of any appropriate bills if required Keep a copy of your claim information for your records When we receive information regarding your claim you ll be notified by telephone or email If you select the electronic messaging option you ll receive a call when the claim is processed Claim tips and information When submitting your claim make sure to include all required supporting documentation as this will allow us to process your claim quicker To view correspondence pertaining to your claim visit ColonialLife com Once you log in to your secure account select My Correspondence from the home page Whether you submit your claims online or by paper form you can select optional services that authorize us to Communicate claims information via electronic messaging to your phone number Send claim benefits overnight by deducting a fee from your claim payment Release information to your benefits representative plan administrator or family member You can always check the status of your claim on the My Colonial Life site at ColonialLife com ColonialLife com Applicable to vision rider on the individual dental plan 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 4 16 43233 37