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Message L Energy International, LLC.Employee Benefits PackageOpen Enrollment

What is Voluntary Insurance?⚫ Voluntary insurance plans are not designed to replace insurance you already have⚫ Voluntary insurance allows you the flexibility to choose benefits that meet your personal needs ⚫ Benefits can be used to help pay expenses that other insurance plans don’t cover

Colonial LifeThe Advantage of Colonial Life:⚫ Convenience. Paid through payroll deduction—no checks to write, no premium deadlines to remember.⚫ Plans pay in addition to other benefits you may have with other insurance companies.⚫ Benefits are paid directly to you. You’re free to use the benefit any way you choose.⚫ With most plans, your policy is yours to keep. Take your coverage with you if you change jobs or retire.⚫ Prompt and courteous customer service.

Colonial Life⚫ Accident Insurance⚫ Medical Bridge Hospital Confinement Indemnity Insurance⚫ Critical Care Insurance⚫ Term Life⚫ Whole LifePolicies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeProduct underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by stateAccident Insurance⚫ Helps pay for out-of-pocket expenses due to accidental injuries⚫ Benefits can be used to cover deductibles and co-pays⚫ Your family is better prepared for those unexpected events

Colonial LifeAccident InsuranceHere is a sample of benefits you may be eligible for with Colonial Life’s Individual Accident Insurance: $125 Accident Emergency Treatment $330 Accident Follow-up Doctor Visit ($55 per visit, up to 6 per accident) $100 Appliance (crutches)$2,000 Fracture (broken leg, surgical repair) $350 Occupational/Physical Therapy ($35/day for 10 days) $30 X-Ray (for diagnosis of broken leg)Total $2,935 of benefits paid to you The claims example above is based on a covered person who receives a complete fracture of the leg and requires non-surgical repair. The policy has exclusions and limitations. Costs of treatment and benefit amounts may vary.IAC4000 Preferred Product underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeIndividual Accident InsuranceOther benefits includedHospital Admission due to an accident $1,000Hospital Confinement $250 per day up to 365 days per accidentAccidental Death $40,000Accidental Death on a Common Carrier $160,000Many other benefits included. See brochure for complete list.Product underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeIndividual Medical Bridge⚫ Designed to supplement your existing major medical coverage. ⚫ Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as:⚫ Deductibles⚫ Transportation to and from the hospital⚫ Other out of pocket expensesProduct underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeIndividual Medical BridgeA $1,000 or $2,000 Hospital Confinement Benefit can help pay for the costs associated with a hospital stay. Maximum of 1 benefit per calendar year per covered person.An Outpatient Surgical Procedure Benefit can help cover the costs associated with a covered surgical procedure. Maximum of $1,500 per covered person per calendar year for Tiers 1 and 2 combined. *Optional to includeHealth Screening Benefit $50 per year

Colonial LifeCritical Care Insurance⚫ Helps protect your financial security if you experience a covered critical illness such as heart attack, stroke or cancer⚫ Pays a lump-sum benefit upon diagnosis⚫ Includes Subsequent Diagnosis – can use this more than once⚫ The benefit is paid to you unless you specify otherwise⚫ Includes a $50 Health Screening BenefitProduct underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeHeart Attack (Myocardial Infarction) 100% of face amount Stroke 100% of face amountMajor Organ Failure 100% of face amountEnd Stage Renal (Kidney) Failure 100% of face amountPermanent Paralysis due to a Covered Accident 100% of face amountComa 100% of face amountBlindness 100% of face amountCancer (internal or invasive) 100% of face amount Carcinoma in Situ 25% of face amount Skin Cancer $500 flat amount You can choose between face amounts of $10,000 to $50,000Product underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

Colonial LifeTerm Life Insurance⚫ 10, 15, 20, or 30 Year Term Periods available⚫ You can take the policy with you even if you change jobs or retire, with no increase in premium⚫ Your cost will vary based on the level of coverage you select⚫ Spouse and dependent children coverage available

Colonial LifeWhole Life Insurance⚫ Helps protect your loved ones’ financial security in the event of your death⚫ Permanent, cash value life insurance⚫ Paid up at ages 70 or 100⚫ Spouse and dependent child coverage available⚫ Flexible options⚫ Portable at the same ratesProduct underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.

What Happens Next?Product underwritten by Colonial Life & Accident Insurance Company.Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.⚫ Consider your options⚫ Schedule your Benefits Counseling session. The benefits counselor will help you… ⚫ Learn about the value of your employee benefits⚫ Better understand the areas where you may lack protection⚫ Help you complete your enrollment or declinationNatalie Teltow (713)206-8880 phonenatalie@colonialtx.com

Thank youNS-118897/11