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BasicAdvantage Total Plan  No pre-existing conditions exclusions or limitations.  Enrolled dependents receive the same coverage as you. You are free to use any licensed doctor or any certified hospital.  BasicAdvantage Total Plan enrollees also receive theseadded non–insurance benefits:  Access to discounts through the MultiPlan Limited Benefit Plan provider network. If you choose a network provider, you may see some cost savings since network hospitals, doctors and other facilities discount theirservices. To find a network provider go to www.multiplan.com or call 1-800-877-0005. Prescription Drug Card offering discounts at participatingpharmacies. Call Express Scripts, Inc. at 1-866-282-1491 for providers in your area.  VSP Access Plan membership offering discounts on eyeexams and prescription glasses at network doctors. Forquestions regarding the VSP Access Plan, call VSP at 1-800-877-7195 or visit their website at www.vsp.com. On Call Travel Assistance. To use this benefit at anytime before or during a trip, you may contact On Call for emergency assistance services. In the U.S., call toll-freeat 1-800-456-3893. Worldwide, call collect at 1-603-328-1966.  Membership in the Broadreach Medical Resources (BMR) Telemedicine and Teletherapy plan, which is a separatebenefit that you receive when you are enrolled in theBasicAdvantage Total Coverage. 24-Hour TelemedicineServices are available at no additional cost. Teletherapy Services are available after a $28 per-consultation feehas been paid. A credit card is required. To use thesebenefits, you may call toll-free 1-833-936-9633 or login to RSL.YourBMRBenefits.com.  You may also get more information, download claim forms, check claim status, or request a new ID Card by visiting ourwebsite at www.helpwithmyplan.com.INPATIENT HOSPITAL BENEFITS Hospital Room & Board Benefits: Daily Benefit for the Treatment of Mental & Nervous Conditions Number of Daily Benefits Per Coverage Year $100 per day 25 Daily Benefit for the Treatment of Alcohol & Substance Abuse Number of Daily Benefits Per Coverage Year $100 per day 25 Daily Benefit for the Treatment of All Other Covered Conditions Number of Daily Benefits Per Coverage Year $600 per day 90 Hospital Admission Benefit For Specified Conditions: Daily Benefit for Cancer (Malignant Neoplasm) Number of Daily Benefits Per Coverage Year $4,000 per day 1 Daily Benefit for Heart Attack (Myocardial Infarction) OR Daily Benefit for Heart Disease1 Number of Daily Benefits Per Coverage Year $3,000 per day $1,500 per day 1 Daily Benefit for Accidental Injury Number of Daily Benefits Per Coverage Year $2,000 per day 1 Daily Benefit for Stroke (Cerebrovascular Accident - CVA) Number of Daily Benefits Per Coverage Year $1,500 per day 1 Daily Benefit for Childbirth Number of Daily Benefits Per Coverage Year $1,500 per day 1 Maximum Surgery Benefit Per Procedure2 $1,000 per day Maximum Anesthesia Benefit3 $200 per day 1 The Hospital Admission Benefit is payable for either Heart Attack or Heart Disease during a coverage year, but not both. 2 Benefits for covered inpatient surgery are scheduled and range from $9 to $1,000 and are based on the specific surgical procedure performed. 3 Benefits for covered inpatient anesthesia vary and are equal to 20% of the applicable inpatient surgery benefit. OUTPATIENT BENEFITS Doctor Visit Benefits: Daily Benefit for a New Patient Office Visit Number of Daily Benefits Per Coverage Year $100 per day 1 Daily Benefit for an Established Patient Office Visit Number of Daily Benefits Per Coverage Year $70 per day 7 Daily Benefit for a Consultation Office Visit Number of Daily Benefits Per Coverage Year $150 per day 1 Daily Benefit for an Emergency Room Doctor Visit Number of Daily Benefits Per Coverage Year $100 per day 1 Radiology Benefits: Daily Benefit for a Magnetic Resonance Imaging (MRI) Number of Daily Benefits Per Coverage Year $175 per day 1 Daily Benefit for a Computerized Tomography (CT) Scan Number of Daily Benefits Per Coverage Year $75 per day 1 Daily Benefit for all other Radiology Services Number of Daily Benefits Per Coverage Year $40 per day 6 Pathology Benefits: Daily Benefit for all Pathology Services Number of Daily Benefits Per Coverage Year $40 per day 6 Urgent Care Benefits: Daily Benefit for an Urgent Care Facility Visit Number of Daily Benefits Per Coverage Year $50 per day 1 Emergency Room Visit Benefits: Daily Benefit for the treatment of an Accidental Injury Number of Daily Benefits Per Coverage Year $500 per day 2 Daily Benefit for the treatment of a Sickness Number of Daily Benefits Per Coverage Year $50 per day 3 Maximum Surgery Benefit Per Procedure4 $1,000 per day Maximum Anesthesia Benefit5 $200 per day Prescription Drug Benefits: Daily Benefit per Generic Drug Prescription (filled or refilled)Number of Daily Benefits Per Coverage Year $25 per day 18 Daily Benefit per Brand Name Drug (filled or refilled) Number of Daily Benefits Per Coverage Year $50 per day 2 4 Benefits for covered outpatient surgery are scheduled and range from $14 to $1,000 and are based on the specific surgical procedure performed. 5 Benefits for covered outpatient anesthesia vary and are equal to 20% of the applicable outpatient surgery benefit.

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Minimum Essential Coverage (MEC) PlanThe Minimum Essential Coverage (MEC) Plan is intended to provide minimum essential coverage under the Affordable Care Act. It provides you and your enrolled dependents with preventive care only and helps you meet the requirements of the Affordable Care Act. General Information - (Preventive Care Only) Co-pays: ................................................. $0 ($50 co-pay for brand name contraceptives) Deductible: .............................................. $0 Benefit percentage paid by plan: ............ 100% of covered expenses (Covered expenses are the lesser of the actual or usual & customary charges) Plan Annual Maximum: ........................... Unlimited Plan Lifetime Maximum: ......................... Unlimited Summary of Covered Services Below are a few of the common preventive health services the plan covers. The plan may also cover a service that is not listed, as long as the service is a covered preventive health service as described in the policy. Covered Services for Children & Adolescents Well Child Exams – physical exams & vision acuity Assessments – developmental & behavioral Immunizations – diphtheria, tetanus and pertussis Screenings – hearing loss, lead poisoning and depression Covered Services for Adults Annual Preventive Care Visits – physicals & history Immunizations – hepatitis & influenza General Health Screenings – blood pressure, cholesterol & diabetes Prescription contraceptives for women BasicAdvantage Select Plan (Optional Supplemental Coverage) Enrollment in a BasicAdvantage Total Plan is required to elect the supplemental BasicAdvantage Select Plan.  You must elect the BasicAdvantage Select Plan when you enroll for these additional daily benefit amounts to apply. BasicAdvantage Select Plan increases the daily benefit only for the benefits/conditions listed below and the daily benefit amounts are in addition to the corresponding BasicAdvantage Total Plan dailybenefit amounts.  The BasicAdvantage Select Plan does not increase the Number of Daily Benefits per Coverage Year. Enrolled dependents receive the same coverage as you.Dental Plan  Plan pays up to $1,000 maximum per person each coverage year after a $50 per person deductible.  Visit any dentist.  Covers most common services and gives yourenrolled dependents the same coverage.Term Life Plan (with Accidental Death Benefit)  Plan provides $10,000 of term life coverage for you, with an additional matching $10,000 in the event of accidental death.  Your benefits reduce by 50% when you reach age 70. Spouse coverage ends at age 70.  Your benefits will be paid in equal shares to members of the first surviving beneficiary class, as follows: spouse; children; parents; brothers and sisters; or,if none, your estate.  If you sign up for this benefit, you can add term life coverage for your spouse and each child (older than 6 months) in the amount of $2,500. Coverage amount for children 6 months of age or younger is $500. You are the beneficiaryfor spouse and child term life coverage. Term life benefits are not payable for death during the first 2 years of coverage if due to suicide or attempted suicide.Short-Term Disability Plan*  Plan provides weekly benefits for up to 26 weeks of disability. The amount paid is 50% of base pay, up to a maximum of $125 per week. Disability must be due to a sickness or an injury from an accident that happens while you are covered. You must become totally disabled while covered and, if due to an injury, within 90 days of the date of the accident. If you are hospitalized, the benefits are payable immediately; otherwise, thebenefits begin after a 14-day elimination period. Benefits reduce by 50% when you reach age 70. * STD coverage is only available to you. There is no dependent coverage available.Hospital Room & Board Benefits (Additional Daily Benefit amount): Room & Board Benefit* for covered conditions $200 per day Hospital Admission Benefit For Specified Conditions (Additional Daily Benefit amounts): Cancer (Malignant Neoplasm) $1,000 per day Heart Attack (Myocardial Infarction) OR Heart Disease1 $1,000 per day $1,000 per day Accidental Injury $1,000 per day Stroke (Cerebrovascular Accident - CVA) $1,000 per day * Does not include Mental & Nervous Conditions or Alcohol & Substance Abuse.Types of Charges Covered by the Plan Percent of Charges the Plan Pays Waiting Period of Continuous Enrollment Before Plan Pays Checkups & Routine Cleaning 80% None Bitewing X-Rays 80% None Sealants (for children) 80% None Fluoride Treatments (for children) 80% None Fillings 60% 3 Months Crown & Bridge Repair 60% 3 Months Denture Repair 60% 3 Months Endodontics (root canal & pulpal therapy) 60% 3 Months Periodontics (treatment of gums) 50% 12 Months Crowns & Bridges 50% 12 Months Dentures 50% 12 Months

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Questions & Answers Who can be covered? In addition to covering yourself, dependent coverage is offered in the BasicAdvantage Total/Select, MEC, Dental and Term Life Plans. Your eligible dependents are your lawful spouse and your children through age 25, or through any age if disabled and unable to earn a living. When does my coverage begin and end? Your coverage begins on the first day of the month after you enroll, provided you are eligible and the required premium has been paid. Coverage for all of your benefits under the program will end if (1) the required premiums are not paid; (2) you are no longer an eligible employee; (3) the insurance policies terminate; or (4) you enter an Armed Service on full-time active duty. When does dependent coverage begin and end? Your dependents’ coverage begins when yours does, unless you enroll them later. If you do, their coverage will become effective after the enrollment is approved and the premiums have been paid. Their coverage ends when yours does or when the dependent is no longer eligible. Do I have to use certain doctors, dentists or hospitals? No. You are free to use any licensed doctor or dentist, or any certified hospital. However, under the BasicAdvantage Total Plan, you can save money by using a network provider. Rest, nursing or old age homes, or facilities for the treatment of alcoholism, drug addiction or mental disorders are not hospitals. How does the BasicAdvantage Total Plan’s Hospital Admission Benefit work? It pays a single daily benefit when you are admitted as an inpatient to the hospital for treatment of any of the conditions shown. The daily benefit amount varies by condition and is payable based on the first diagnosis code listed on the claim form for the hospital admission. When will I receive ID cards and full coverage information? You will receive ID Cards after you enroll. You may download a Summary Plan Description from www.helpwithmyplan.com once you register to use the site. Does the BasicAdvantage Total Plan cover maternity? Yes. Maternity care is covered. Are visits to a chiropractor covered under the BasicAdvantage Total Plan? Yes, chiropractic office visits are covered; however, spinal adjustments and manipulations, or modalities are not covered.Exclusions & Limitations The following is just a summary. Please see your Summary Plan Description (SPD) for a more complete description of these items. What is not covered under the BasicAdvantage Total/Select Plan…  outpatient treatment of mental or nervous conditions; outpatient treatment of alcoholism, or substance abuse; intentionally self-inflicted injuries, suicide or attempted suicide while sane or insane; acts of declared or undeclared war; the covered person’s commission of a felony; work-related injury or sickness;  normal health checkups; eye examinations for glasses, any kind of eye glasses, or prescriptions therefore; hearing examinations or hearing aids; drugs not requiring a prescription; dental care or treatment except covered events rendered in connection with thecare of sound, natural teeth and gums required on account of an accidental injury that happens while covered, and rendered within 6 months of the accident; reading or interpreting the results of any diagnostic pathology or radiology tests; cosmetic surgery, except covered events rendered in connection with cosmetic surgery needed for breast reconstruction following a mastectomy or an accidentthat happens while covered. The surgery needed for an accident must beperformed within 90 days of the accident; treatment rendered while outside the United States of America; and services rendered by an immediate family member or provided by your employer.What is not covered under the MEC Plan…  injury or self-inflicted bodily harm; sickness or disease of any kind; acts of declared or undeclared war; the covered person’s commission of a felony; charges in excess of usual, customary & reasonable charges; preventive health services not meeting the requirements of the Affordable Care Act; dental care, treatment or supplies, except those specifically included as a covered preventive health service for a child; laboratory, radiology, or cardiovascular tests performed for the diagnosis ortreatment of sickness, disease or injury; and preventive health services rendered by an immediate family member or provided by your employer.What is not covered under the Dental Plan…  procedures begun or appliances installed before coverage begins; elective or cosmetic treatment; correction of congenital malformations; replacement of lost or stolen appliances; initial placement of prosthesis or fixed bridge; replacement of serviceable bridges; replacement of serviceable dentures less than 5 years old;  replacement of crowns, inlays, and onlays less than 7 years old; procedures involving vertical dimension, correction of attrition or abrasion, occlusion, splinting or bite analysis; services in any way related to TMJ or myofascial pain; orthognathic surgery; prescribed drugs, analgesic or anesthetics; instruction for diet, plaque control, and oral hygiene; acts of declared or undeclared war; charges for implants or their removal and other customized services orattachments;  cast restorations and crowns for healthy teeth that can be restored by othermeans;  treatment of malignancies, cysts, and neoplasms; orthodontic treatment; charges for forms or missed appointments; treatment that is unnecessary, experimental, or does not offer a favorable prognosis;  services rendered by an immediate family member;  charges in excess of usual and customary fee levels based on the 90th percentileof the FAIR Health, Inc. MDR tables; expenses covered under a group medical expense plan; expenses payable under Workers' Compensation or other coverage required bylaw; expenses which the covered person is not legally obligated to pay; and any procedure begun after coverage ends or any prosthetic dental appliance finally installed more than 30 days after coverage ends.Many covered procedures have continuous enrollment waiting periods and limitations on how often the plan will pay for them within a certain time frame. The plan will pay only for the procedures specified on the Schedule of Covered Procedures and Benefits in the SPD. What is not covered under Short-Term Disability and Accidental Death benefits…  suicide or attempted suicide, or any intentionally self-inflicted injuries, whilesane or insane; acts of declared or undeclared war; your commission or attempted commission of a felony; your operating, riding in or descending from any aircraft, other than while afare-paying passenger on a licensed, commercial, non-military aircraft; voluntarily taking poison, gas, drugs or chemicals not prescribed by a physician; release of nuclear energy; participation in a riot or an illegal occupation; Short-Term Disability benefits are not paid for an injury or sickness related toyour work; and Accidental Death benefit is not paid for death resulting from sickness of any kind.The Short-Term Disability benefit is not available to persons who work in California, Hawaii, New Jersey, New York, Rhode Island or Puerto Rico due to statutory coverage. In these states (and Puerto Rico), the employer is required to provide a disability benefit.

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The BasicAdvantage Total/Select Plan, Dental Plan, and Term Life (with Accidental Death) and Short-Term Disability Plans underwritten by Reliance Standard Life Insurance Company, Philadelphia, Pennsylvania under group policy form series: LRS-9497-0613(TX), et al; LRS-9171-1103(TX), et al; and LRS-9173 1103(TX), et al, respectively. The MEC Plan is a self-funded benefit plan sponsored by your employer. Refer to the accompanying materials for information on cost of coverage. Every effort has been made to ensure the accuracy of this enrollment brochure. The information described applies to the residents of most states, however state laws do vary. The laws of your state may affect this benefit program, but these differences generally do not reduce your benefits. This brochure is not a legal document. The contractual terms and conditions of coverage are set forth in the group policies. In the event of a discrepancy, the policies would be the determining factor. Insurance products are provided through Reliance Standard Life Insurance Company, which is licensed in all states (except New York), the District of Columbia, Puerto Rico, & the U.S. Virgin Islands. Reliance Standard Life Insurance Company reserves the right to change the premiums it charges for its plans. VSP Access Plan discounts from Vision Service Plan. Telemedicine and Teletherapy from Broadreach Medical Resources, Inc. On Call Travel Assistance from On Call International. The suppliers of these services are not affiliated with Reliance Standard Life Insurance Company, which is not responsible for the content of the services and cannot be held liable for any services provided or not provided by these suppliers. RS-2201.BAT4CombinedSFMEC.SA.D.TL.STD

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Group Accident InsurancePremier PlanIf 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 beneťts directly to you to use however you like — from medical costs to everyday expenses. Whether you’ve had a fall or a car accident, these beneťts can offer ťnancial support when you need it.Our coverage includes:• eneťts payable directlyto you• No medical questions to qualify for coverage• Coverage for simple and complex injuries• eneťts payable regardless of other insurance• Worldwide coverage• Works alongside your Health Savings Account (HSA)BENEFITS STORY Milo was working in his yard when he tripped and injured his hand.With Colonial Life accident beneťts, Tilo was able to pay the annual deductible and co-payments for his health insurance plan without using his savings or taking on debt.MILO’S ACCIDENT BENEFITSTilo went to an urgent care facility and received immediate care.Treatment in a physician’s office or urgent care facility$150The doctor ordered an X-ray and discovered Tilo had fractured his hand.• X-ray• Fracture (hand)$60$1,200The doctor also found that Tilo had a cut on his hand but did not require stitches. Laceration (no repair) $75Tilo was discharged with a splint. Durable medical equipment $65Zver the next several weeks, Tilo had two follow-up appointments with his doctor. Physician follow-up visits (2 visits)$50 x 2 = $100Total $1,6509ďīðăăķĮĴīĴðŒÐĨķīĨďĮÐĮďĊăřȘÐĊÐťĴĉďķĊĴĮĉřŒīřĊÌĉřĊďĴÆďŒÐīăăÐŘĨÐĊĮÐĮȘGtZP ACCID'NT (GACǣǠǟǟ) — Pt'TI't PLAN

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:ive řour ÅeneťĴs a ÅoosĴWe know that more complicated or severe accidents result in more expensive medical bills and more disruption in your life. Group Accident includes a eneťt oosterȣ to provide additional ťnancial support for serious accidents. If you have more than ɄǤ,ǟǟǟ in payable beneťts for a covered accident, we will give you a ɄǤǟǟ boost to your beneťts to help you with whatever expenses you have. ȣPayable once per Insured per covered accidentBENEFITS STORY Olivia was driving to the store when she got into a car accident.Zlivia’s beneťts helped her cover her medical expenses when she was injured in a car accident, helping her to focus on her recovery.OLIVIA’S ACCIDENT BENEFITSOlivia arrived by ambulance at the nearest emergency room and received immediate care.• Ambulance• Emergency department visit• Injury due to auto accident$400$250 $250The 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 brain injury.• X-ray• Tedical imaging• Fracture (thigh)$60$400 $4,200Olivia required surgery for her leg.• Surgical repair (thigh fracture)• General anesthesia$4,200 $300Olivia boarded her pet for two nights after her surgery. Pet boarding (2 days) $20 x 2 = $40Olivia had eight sessions of physical therapy to help regain the strength in her leg and two follow-up appointments with her doctor.• Therapy services (8 sessions)• Physician follow-up visits (2 visits)$55 x 8 = $440$50 x 2 = $100Olivia’s benefits for this accident totaled more than ɄǤ,ǟǟǟ.Benefit Booster $500Total $11,1409ďīðăăķĮĴīĴðŒÐĨķīĨďĮÐĮďĊăřȘÐĊÐťĴĉďķĊĴĮĉřŒīřĊÌĉřĊďĴ ÆďŒÐī ăă ÐŘĨÐĊĮÐĮȘ Beneťts are per covered person per covered accident unless stated otherwiseAnjury Åeneťts • Burns (based on size and degree) ............. $750–$21,000• Concussion ........................................ $500• ConnecĴive Ĵissue damage ......................$100–$200• Eye injury .......................................... $400 • Hearing loss injuries ..................................$120(Taximum once per lifetime per ear per insured)• Injury due Ĵo auĴo accidenĴ ........................... $250 • InĴernal injuries ..................................... $200 • Nnee carĴilage (meniscus) injury ...................... $200 • OaceraĴions ...................................$75–$1,200• Ooss oå a digiĴ Ȱ ĨarĴial .........................$400–$800• Ooss oå a digiĴ ..............................$1,000–$3,000• RuĨĴured or ìerniaĴed disc ......................$200–$400

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9racture Åeneťts• Injury .......................................$200–$5,000 'ŘĉĨăÐĮȚ ťngerȚ Ʉ2ǟǟ ɳ wristȚ ɄǠ,2ǟǟ ɳ hipȚ Ʉǣ,2ǟǟ• Surgical reĨair oå åracĴure ............................100%(Payable as an additional ɦ of the applicable fractures beneťt)• CìiĨ åracĴure ........................................25% (Payable as a ɦ of the applicable fractures beneťt)#islocation Åeneťts• Injury .......................................$260–$4,000 'ŘĉĨăÐĮȚ elbowȚ Ʉǥǟǟ ɳ ankleȚ ɄǠ,ǥǟǟ ɳ hipȚ Ʉǣ,ǟǟǟ• Surgical reĨair oå dislocaĴion ..........................100%(Payable as an additional ɦ of the applicable dislocations beneťt)• IncomĨleĴe dislocaĴion ................................25%(Payable as a ɦ of the applicable dislocations beneťt)}reatĉent Åeneťts• Air ambulance .....................................$2,000 • Ambulance (ground or œaĴer) ......................... $400 • #urable medical eĪuiĨmenĴ ......................$65–$250• Emergency denĴal reĨair ........................$200–$600• Emergency deĨarĴmenĴ .............................. $250(Taximum ǣ per year) • Family care ................................... $50 Ĩer day (Taximum of one beneťt per day for all insureds combined, up to a maximum of three days per covered accident, regardless of the number of children)• InjecĴions Ĵo ĨrevenĴ or limiĴ inåecĴion ...................$50 • Lodging ..................................... $250 Ĩer day (Taximum Ǣǟ days)• Medical imaging ..................................... $400 • Pain managemenĴ injecĴions ..........................$150 • PeĴ boarding .................................. $20 Ĩer day (Taximum of one beneťt per day for all insureds combined, up to a maximum of three days per covered accident, regardless of the number of pets that are boarded)• ProsĴìeĴic device or arĴiťcial limb ............$1,750–$3,500• Sāin graåĴs (due Ĵo burns) .............................50%(Payable as a ɦ of the applicable burn beneťt)• Sāin graåĴs (noĴ due Ĵo burns) ....................$375–$750• Transfusions ........................................ $500 • TransĨorĴaĴion ............................... $200 Ĩer ĴriĨ (Taximum ǥ one-way trips)• TreaĴmenĴ in a Ĩìysicianȸs oŨce or urgenĴ care faciliĴy ...$150(Taximum ǣ per year) • ȭray or ulĴrasound ....................................$60wurgery Åeneťts• AnesĴìesia ....................................$150–$300• ConnecĴive Ĵissue surgery ..................... $150–$2,200• Eye surgery ......................................... $400• General surgery –Abdominal, Ĵìoracic, or cranial ...................$2,000 –ExĨloraĴory surgery ...............................$275 • Hernia surgery ......................................$400 • Nnee carĴilage (meniscus) surgery ..............$150–$1,050• OuĴĨaĴienĴ surgical faciliĴy ............................$400 • RuĨĴured or ìerniaĴed disc surgery ............ $150–$2,000tecovery care Åeneťts• AĴȭìome care ................................ $125 Ĩer day(Taximum Ǥ days) • BeneťĴ BoosĴer .....................................$500• Pìysician folloœȭuĨ visiĴs ............................. $50 (Taximum ǥ days per covered accident and 24 days per calendar year)• ReìabiliĴaĴion or subȭacuĴe reìabiliĴaĴion uniĴ conťnemenĴ .............................$200 Ĩer day (Taximum ǠǤ days per covered accident and Ǣǟ days per calendar year)• TìeraĨy services (sĨeecì, Ĩìysical ĴìeraĨy, occuĨaĴional ĴìeraĨy) ..........................$55 Ĩer day(Taximum ǠǤ days)Options checked below have been chosen by your employer to enhance your Group Accident Coverage.  Recovery Plus package• Beìavioral ìealĴì ĴìeraĨy ...................$55 Ĩer day (Taximum ǠǤ days)• PosĴȭĴraumaĴic sĴress disorder (PTS#) ............ $200 • PrescriĨĴion drug .................................$25 • AddiĴional ĴìeraĨy services (cìiroĨracĴic, acuĨuncĴure, alĴernaĴive ĴìeraĨy) ......$55 (Existing therapy services beneťt maximum applies to additional therapy services, maximum ǠǤ days)• Injury due Ĵo felonious acĴ of violence or sexual assaulĴ ................................ $250(Taximum once per insured per calendar year, with an accompanying police report) :unshot wound ÅeneťtThis beneťt can help pay your medical expenses if you receive a non-fatal gunshot wound. It offers you a lump sum for a covered injury regardless of any other insurance you may have and includes on/off-job coverage.• GunsìoĴ œound .............................$_________This beneťt covers a non-fatal gunshot wound from a conventional ťrearm that requires treatment by a doctor and overnight hospitalization within 24 hours of the injury. If you are shot more than once in a 24-hour period, we can pay beneťts only for the ťrst wound.

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ConĴacĴ your Colonial Life beneťĴs counselor Ĵo learn more.CT: We will pay the air ambulance or ambulance beneťts directly to the licensed professional ambulance company. CT includes a beneťt for “outpatient emergency medical care for accidental ingestion of a controlled substance.ȶ The at-home care beneťt maximum is 8ǟ days. KS: Chiropractic therapy is not available. NH: NH includes a burn beneťt for 2nd degree burns under Ǥɦ of skin surface. The minimum beneťt for the loss or partial loss of a digit is ɄǠ,ǟǟǟ.MD: The prescription drug beneťt is not available.PA: The pet boarding beneťt is not available. TN: The therapy services beneťt includes chiropractic. TX: The concussion beneťt is replaced by the “concussion and acquired brain injuriesȶ beneťt. The therapy services beneťt includes the following servicesȚ cognitive communication therapyț cognitive rehabilitation therapyț community reintegration servicesț neurobehavioralț neurocognitive therapy and rehabilitationț neurofeedback therapyț neurophysiologicalț neuropsychologicalț post-acute transition servicesț psychophysiological testing or treatmentț and remediation.HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLEThis plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate.It may also be offered to employees who do not have HSAs.THIS INSURANCE PROVIDES LIMITED BENEFITS.This coverage is a supplement to health insurance. It is not a substitute for essential health beneťts or minimum essential coverage as deťned in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance.EXCLUSIONSWe will not pay beneťts for claims that are caused by, contributed to by, or resulting from elective procedures, felonies or illegal occupations, hazardous avocations, impaired driving, incarceration, racing, semi-professional or professional sports, sickness, suicide or self-inŦicted injuries, war, or armed conŦict. ID: ”Semi-professional sports or professional sports” exclusion is replaced by “professional sports” exclusion. IL: We will not pay beneťts for claims that are caused by or resulting from Exclusions.MD: Includes an exclusion for “Prohibited referrals.” The “felonies or illegal occupations” and “impaired driving” exclusions apply only to Accidental Death and Dismemberment beneťts.MI: “Impaired driving” and “suicide or self-inŦicted injuries” exclusions do not apply. MN: “Suicide or self-inŦicted injuries” exclusion does not apply.NH: “Incarceration” and “racing” exclusions do not apply.UT: We will not pay beneťts for claims that are caused by or resulting from Exclusions.VT: “Impaired driving” exclusion does not apply. 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 beneťts payable. Applicable to policy form GAC4Ǡǟǟ-P and certiťcate form GAC4Ǡǟǟ-C (including state abbreviations where used, for exampleȚ GAC4Ǡǟǟ-P-TX and GAC4Ǡǟǟ-C-TX). For cost and complete details of coverage, call or write your Colonial Life beneťts counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.ɭ 2ǟ2Ǣ Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOt ETPLOEES Ǣ-2Ǣ ɳ Ǡ2Ǡ2ǤǤǢColonialLife.com

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For more information, talk with your benefits counselor.ColonialLife.comGroup Hospital Indemnity InsurancePlan 1 (HSA-Compliant)PA: “Hospital Confinement Admission” benefit replaces the “Hospital Confinement” benefitTHIS POLICY PROVIDES LIMITED BENEFITS.EXCLUSIONSWe will not pay any benefits for injuries received in accidents or for sicknesses which are caused by, contributed to by or occur as a result of the following exclusions and limitations. (a) alcoholism or drug addiction; (b) dental procedures; (c) elective procedures and cosmetic surgery; (d) felonies or illegal occupations; (e) mental or nervous disorders; (f) pregnancy of a dependent child; (g) suicide or injuries which any covered person intentionally does to himself or herself; (h) war, or (i) giving birth within the first nine months aer the eective date of the certificate. (j) We will not pay benefits for hospital confinement or daily hospital confinement, if included, of a newborn child following his birth unless he is injured or sick. (k) The policy may have additional exclusions and limitations which may aect any benefits payable.PRE-EXISTING CONDITION LIMITATIONS(l) We will not pay benefits for loss during the first 12 months aer the certificate eective date due to a pre-existing condition. (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the certificate eective date. (n) This limitation applies to the following benefits, if applicable: Hospital Confinement and Daily Hospital Confinement.This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may aect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy form GMB7000-P and certificate form GMB7000-C (including state abbreviations where applicable, such as policy forms GMB7000-P-AU-TX and GMB7000-P-EE-TX, and certificate forms GMB7000-C-AU-TX and GMB7000-C-EE-TX). Coverage may vary by state and may not be available in all states. This form is not complete without form #101733.GMB7000 – PLAN 1 | 11-18 | 101917Group Medical BridgeSM insurance can help with medical costs associated with a hospital stay that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement ............................................................... $_______________ per dayMaximum of one day per covered person per calendar yearWaiver of premiumAvailable aer 30 continuous days of a covered confinement of the named insured Daily hospital confinement ....................................................................$100 per dayMaximum of 365 days per covered person per confinement. Re-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.Health savings account (HSA) compatibleThis plan is compatible with HSA guidelines and any other HSA plan that a covered family member may participate in. It may also be oered to employees who do not have HSAs.Colonial Life & Accident Insurance Company’s Group Medical Bridge oers an HSA-compatible plan in most states.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Group Hospital Indemnity InsuranceExclusions and LimitationsGMB7000 – EXCLUSIONS AND LIMITATIONSSTATE-SPECIFIC EXCLUSIONSAK: (a) Replaced by intoxicants and narcotics CA: (k) Additional exclusions include intoxicants and controlled substancesCT: (a) Replaced by intoxication or drug addiction; (d) Replaced by felonies; (f) Exclusion does not applyDE: (a) Exclusion does not apply IL: (a) Replaced by alcoholism, intoxication, or drug addiction; (f) Exclusion does not apply; (g) Exclusion does not applyKS: (a) Replaced by intoxicants and narcotics; (h) Replaced by war or armed conflict; (i) Exclusion does not applyKY: (a) Replaced by intoxicants, narcotics and hallucinogenics LA: (a) Replaced by intoxicants and narcotics MI: (g) Exclusion does not applyMO: (a) Replaced by drug addiction; (d) Replaced by illegal activitiesMS: (a) Replaced by intoxicants and narcoticsNC: (i) Exclusion does not applyND: (a) Exclusion does not apply; (e) Exclusion does not applyNV: (a) Exclusion does not apply OH: (f) Exclusion does not apply; (i) Replaced by 270 daysPA: (a) Replaced by intoxicants and narcotics; (c) Replaced by cosmetic surgery; (e) Replaced by mental, nervous or emotional disorders; (h) Replaced by war or armed conflictSD:(a) Exclusion does not apply TN: (f) Exclusion does not applyTX: (a) Replaced by intoxicants and narcotics VA: (i) Pregnancy resulting from the rape of any covered person, which was reported to the police within seven days following its occurrence, will be covered to the same extent as any other covered accident. The seven-day requirement will be extended to 180 days in the case of an act of rape or incest of a female under 13 years of age.STATE-SPECIFIC PRE-EXISTING CONDITION LIMITATIONSIN, SD, and WY: (m) applies within the six months before the certificate eective date.CA: (m) A pre-existing condition is a sickness or physical condition for which a covered person was diagnosed or treated within 12 months before the coverage eective date.FL: (m) A pre-existing 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 six months before the coverage eective date. Genetic information is not a pre-existing condition in the absence of a diagnosis of the condition related to such information. IL: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing by a legally qualified physician or, received medical advice, produced symptoms or had taken medication within 12 months before the coverage eective date.KS: (n) Surgical Procedure replaces Outpatient Surgical Procedure ME: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, or received medical advice within 12 months before the coverage eective date.MI: (l) Applies during the first six months aer the certificate eective date (m) applies within the six months before the certificate eective date.MO: (m) A pre-existing condition means having a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage eective date of this certificate.NC: (m) A pre-existing condition is those conditions, whether diagnosed or not, for which a covered person received medical advice, diagnosis, care or treatment that was received or recommended within the one-year period immediately preceding the coverage eective date. If you are 65 or older when this certificate is issued, pre-existing conditions will include only conditions specifically eliminated by a rider.ND: (m) A pre-existing 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 12 months before the coverage eective date.NV: (m) applies within the six months before the certificate eective date. Additionally, pre-existing condition does not include genetic information in the absence of a diagnosis of the condition related to such information.OR: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated by a doctor, received advice from a physician or had taken medication prescribed by a doctor within the 12 months period immediately preceding the coverage eective date.PA: (m) A pre-existing condition is a disease or physical condition for which you received medical advice or treatment within 90 days before the coverage eective date. (n) Hospital Confinement Admission replaces Hospital Confinement. CA Lic # (if applicable): _________________11-18 | 101733-2This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may aect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy form GMB7000-P and certificate form GMB7000-C (including state abbreviations where applicable, such as policy forms GMB7000-P-AU-TX and GMB7000-P-EE-TX, and certificate forms GMB7000-C-AU-TX and GMB7000-C-EE-TX). Coverage may vary by state and may not be available in all states.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved.Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Group Short Term Disability InsuranceIf a covered accident or covered sickness prevents you from earning a paycheck, group short term disability insurance can provide a monthly beneťt to help you cover your ongoing expenses, often at a more reasonable rate than individual insurance.Disability insurance worksheet ou can tailor disability coverage to ťt your speciťc needs. Talk with your beneťts counselor about your expenses and other paid leave beneťts, such as state paid medical leave, and use this worksheet to help determine the coverage that’s right for you.*MONTHLY 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)$ our state’s paid medical leave approximate benefits (if any)ȚMonthly benefit: Benefit period up to: DISABILITY INSURANCE: WHAT’S RIGHT FOR ME?1. How much disability coverage do I need? Tonthly beneťt amount for off-job accident and off-job sicknessȚ $ Choose a monthly beneťt amount between $4ǟǟ and $Ǧ,Ǥǟǟ. Subject to income requirements. If your plan includes on-job accident/sickness beneťts, the on-job beneťt is Ǥǟɦ of the off-job amount.2. How long do I want beneťts coverage? Beneťt periodȚ months The partial disability beneťt period is three months. Partial disability beneťt is Ǥǟɦ of the total disability amount.3. When would I like my total disability beneťts to start? After an accidentȚ days After a sicknessȚ daysGROUP DISABILITY INSURANCE - BASE

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Frequently asked questions What is the deťnition of total disability? “Totally disabled” or “total disability” means you are unable to perform the material and substantial duties of your regular occupation, not working at any occupation, and under the regular and appropriate care of a doctor.How does partial disability work? If you are able to return to work part time after at least Ǡ4 days of being paid for a total disability, you may be able to still receive Ǥǟɦ of your total disability beneťt.What is waiver of premium? We will waive your premium payments after Ǩǟ consecutive days of a covered disability.What are the age guidelines to qualify for this coverage? Coverage is available from ages ǠǦ to Ǧ4.Can I keep my coverage if I change jobs or employers? Through a feature called “portability,” you may be able to keep your coverage even if you change jobs. Talk with your beneťts counselor for details.What happens if I am disabled while traveling outside of the country? If you are disabled while outside of the United States, Canada, Texico, Puerto Rico, Bahama Islands, Virgin Islands, Bermuda or Jamaica, you may receive beneťts for up to ǥǟ days before you have to return to the U.S. in order to continue receiving beneťts.To learn more, talk with your beneťts counselor. * State paid medical leave (PTL) beneťts fall under state-speciťc program names. Not available in all states.EXCLUSIONS AND LIMITATIONSWe will not pay beneťts for losses that are caused by, contributed to by or occur as the result ofȚ alcoholism or drug addiction, felonies or illegal occupations, Ŧying, hazardous avocations, intoxicants and narcotics, psychiatric or psychological conditions, racing, semi-professional or professional sports, suicide or injuries which you intentionally do to yourself, war or armed conŦict. We will not pay for losses due to you giving birth within the ťrst nine months after the coverage effective date of the certiťcate.Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which you were treated, had medical testing, received medical advice or had taken medication within Ǡ2 months before the coverage effective date.We will not pay for loss when the disability is a pre-existing condition as deťned in this certiťcate, unless you have satisťed the pre-existing condition limitation period (typically Ǡ2 months) shown on the Certiťcate Schedule on the date you suffer a loss due to a covered accident or covered sickness.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 beneťts payable. Applicable to policy forms GDIS-P-EE-TX, GDIS-P-AU-TX and certiťcate forms GDIS-C-EE-TX, GDIS-C-AU-TX and rider form R-GDIS-RPO-TX. For cost and complete details of coverage, call or write your Colonial Life beneťts counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.ɭ 2ǟ2Ǣ Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR ETPLOYEES 8-2Ǣ ɳ ǠǟǠ2Ǩǥ-ǤColonialLife.com

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Term Life InsurancePeace of mind for you and your loved onesYou 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  Benefit for the beneficiary that is typically tax-freeBenefits and features  Stand-alone spouse policy available whether or not you buy a policy for yourself  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 illness  Premium savings for face amounts over $250,000 based on your healthTERM LIFE (ITL5000)LIMRA, 2017 Insurance Barometer Study.of Americans would have trouble paying living expenses immediately or within several months if the primary wage-earner died.54%married/partnered consumersLIMRA, 2018 Insurance Barometer Study.1-in-3wish their spouse or partner would purchase more life insurance.

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How much coverage do you need?To learn more, talk with your Colonial Life benefits counselor.EXCLUSIONS AND LIMITATIONSIf the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage eective 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. Product may vary by state. For cost and complete details of the coverage, call or write your Colonial Life benefits counselor or the company. This brochure is applicable to policy forms ICC18-ITL5000/ITL5000 and rider forms ICC18-R-ITL5000-STR/R-ITL5000-STR, ICC18-R-ITL5000-CTR/R-ITL5000-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 and applicable state variations. Spouse term life riderYour spouse may receive a maximum death benefit of $50,000; 10-year and 20-year spouse term riders are available. Children’s term life riderYou 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 riderThe 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 riderIf 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. 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 riderIf you suer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benefit is payable. A subsequent diagnosis benefit is included.Waiver of premium benefit riderPremiums 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. 6-19 | 101895-1ColonialLife.com1 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.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.Optional ridersAt an additional cost, you can purchase the following riders for even more financial protection. 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-yearSelect any optional riders: Spouse 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 Critical illness accelerated death benefit rider Waiver of premium benefit rider

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Your cost will vary based on the level of coverage you select. Whole Life InsuranceYou 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 emergencies  Benefit for the beneficiary that is typically tax-freeBenefits 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 illness  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)HealthAairs.org, End-Of-Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported, July 2017.Talk with your benefits counselor for information about what level of coverage would work best for you.In the U.S., medical spending in the last 12 months of life is nearly $80,000 per person.$

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 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 100EXCLUSIONS AND LIMITATIONSIf the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage eective 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/R-IWL5000-ACCD, ICC19-R-IWL5000-CI/R-IWL5000-CI, ICC19-R-IWL5000-CC/R-IWL5000-CC, ICC19-R-IWL5000-GPO/R-IWL5000-GPO and applicable state variations.Additional coverage optionsSpouse term life riderCover your spouse up to a maximum death benefit of $50,000; 10-year and 20-year spouse term riders are available.Juvenile whole life policyYou 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 riderYou 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 riderThe 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 riderIf 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. 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 riderIf you suer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benefit is payable. A subsequent diagnosis benefit is included.Guaranteed purchase option riderIf 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 dierent 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.Waiver of premium benefit riderPremiums 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.Benefits worksheetFor use with your benefits counselorSelect any optional riders: Spouse 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 Critical illness accelerated death benefit rider Guaranteed purchase option rider Waiver of premium benefit riderHOW MUCH COVERAGE DO YOU NEED?To learn more, talk with your benefits counselor.ColonialLife.com6-19 | 101935 DEPENDENT STUDENT $____________ Paid-Up at Age 70  Paid-Up at Age 100 1 Loan should be repaid to protect the policy’s value. 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.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.

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AHM Furniture Service

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