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Benefit Booklet 2024

Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams For more information Lisa Jones 980 622 3718 Lisa Jones ColonialLifeSales com Life is anything but expected That s why we re here Plan options Accident insurance Helps offset unexpected medical expenses such as emergency room fees deductibles and co payments that can result from a fracture dislocation or other covered accidental injury Hospital insurance Provides a lump sum benefit for a covered hospital confinement or outpatient surgery to help with co payments and deductibles that are not covered by most major medical plans Critical illness Cancer Supplements your major medical coverage by providing a lumpsum benefit you can use to pay the direct and indirect costs related to a covered critical illness and cancer Dental Visioin Annual cleanings x rays basic and comprehensive services Vision exams and materials Life insurance Enables you to tailor coverage for your individual needs and helps provide financial security for your family members

Accident InsuranceBreathe easier for whatever life throws your wayAccidents can happen anywhere and in the most unexpected ways. Even with medical insurance, it may not be enough to pay all of your medical expenses, like your deductible, co-insurance and co-pays. Colonial Life Accident Insurance can help by providing you a lump-sum benet that can be used for your out-of-pocket expenses, such as emergency room, doctor’s bills and travel costs. So if you get injured in an accident, you can breathe easier about your medical bills and focus on your recovery.Someone in the U.S. is accidentally injured every second.1ACCIDENT INSURANCE

How accident insurance helps peopleMost people start their day with expectations on how it’s going to go. And when they least expect it, a few of them will have an accident and need medical care. Here are a few of their stories: BENEFITS STORIESJAYDENJayden is 30, single, likes to read and participates in clubs through his local library. On his way to a meeting, he had an automobile accident and broke two of his ribs.How his accident policy helped:Jayden’s benets helped cover his out-of-pocket costs for emergency room treatment. He also used some of his benet to rent a car while his was in the shop.THE TAYLOR FAMILYThe Taylor’s children, Isabella and Ben, enjoy riding their bikes around their neighborhood with friends. Isabella dislocated her ankle falling off her bike and needed treatment right away.How their accident policy helped:Isabella’s care in the orthopedic clinic required co-insurance and a co-pay. Her benets helped cover these, plus the costs for X-rays, crutches and accident follow-up treatment.ROBERT AND ANGIENow that Robert and Angie are empty-nesters, they love visiting national parks in their RV. One night, Robert tripped over his shing gear and broke his collarbone. How their accident policy helped:Robert used his benets to cover his yearly deductible, co-insurance and co-pays for the surgery, hospital connement and physical therapy he needed to get back in shape.These examples are for illustrative purposes only.

How Colonial Life Accident Insurance worksWith accident coverage, you have stronger protection so you can focus on your health and recovery instead of worrying about paying your medical expenses. Here’s how it works. • A set amount is payable based on the injury and the treatment needed.• Benets are payable directly to you unless otherwise specied, and you can use them to pay your bills as you see t.• Coverage is available for you, your spouse and eligible dependent children.2• You don’t need to answer medical questions or have a physical exam to get accident coverage.• Benet payments aren’t reduced by any other insurance that you may have with another company.In 2021, 62 million people in the U.S. — about 1 in 5 — sought medical attention for nonfatal preventable injuries.3Top causes of sports and recreational injuries treated in the ER4ExerciseCyclingBasketballSkateboarding/ScootersFootballPlayground equipment

Contact your Colonial Life benets counselor to learn more about accident insurance.Flexible coverageYour plan provides coverage for injuries and services from everyday mishaps to catastrophic events, including injury, treatment and recovery care benets. Your plan may have additional benets, such as:• Accidental death and dismemberment• Accident hospital benets • Wellbeing assistance• Active lifestylesCertain benets and riders may be unavailable in certain states or for certain accounts.Scan the code to see how accident insurance can help employees, or go to ColonialLife.com/ee-accident.1. National Safety Council, Injury Facts, 2022.2. Includes domestic partner where permitted by law.3. National Safety Council, All Injuries, 2022.4. National Safety Council, Safety Topics: Sports and Recreational Injuries, 2022. HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLESome plans are compatible with HSA guidelines and other HSA plans 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 benets or minimum essential coverage as dened in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for accident insurance. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benets payable. Applicable to policy forms Accident 1.0-NS, ACCPOL, GACC1.0-P, GAC4100-P and IAC4000, and certicate forms GACC1.0-C and GAC4100-C (including state abbreviations where used, for example: Accident 1.0-NS-TX, GACC1.0-P-EE-TX, GACC1.0-C-EE-TX, GAC4100-P-TX, GAC4100-C-TX and IAC4000-TX). Not applicable to policy form GAC4100-P-OR or certicate GAC4100-C-OR. 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.© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 5-23 | 101752-6ColonialLife.com

For more information talk with your benefits counselor Hospital Confinement Indemnity Insurance Plan 2 Our Individual Medical Bridge Insurance can help with medical costs that your health insurance may not cover These benefits are available for you your spouse and eligible dependent children Hospital confinement _2__0_0__0_________ Maximum of one benefit per covered person per calendar year Observation room 100 per visit Maximum of two visits per covered person per calendar year Rehabilitation unit confinement 100 per day Maximum of 15 days per confinement with a 30 day maximum per covered person per calendar year Waiver of premium Available a er 30 continuous days of a covered hospital confinement of the named insured Outpatient surgical procedure Tier 1 _5__0_0___________ Tier 2 __7_5__0__________ Maximum of _1_5__0_0___________ per covered person per calendar year for all covered outpatient surgical procedures combined Daily hospital confinement 100 The surgeries listed below are only a sampling of the surgeries that may be covered Surgeries must be performed by a doctor in a hospital or ambulatory surgical center For complete details and definitions please refer to your policy Tier 1 outpatient surgical procedures Breast Axillary node dissection Breast capsulotomy Lumpectomy Cardiac Pacemaker insertion Digestive Colonoscopy Fistulotomy Hemorrhoidectomy Lysis of adhesions Ear nose throat mouth Adenoidectomy Removal of oral lesions Myringotomy Tonsillectomy Tracheostomy Tympanotomy Gynecological Dilation and curettage D C Endometrial ablation Lysis of adhesions Liver Paracentesis Musculoskeletal system Carpal cubital repair or release Foot surgery bunionectomy exostectomy arthroplasty hammertoe repair Removal of orthopedic hardware Removal of tendon lesion Skin Laparoscopic hernia repair Skin gra ing IMB7000 PLAN 2

Tier 2 outpatient surgical procedures Breast Breast reconstruction Breast reduction Cardiac Angioplasty Cardiac catheterization Digestive Exploratory laparoscopy Laparoscopic appendectomy Laparoscopic cholecystectomy Ear nose throat mouth Ethmoidectomy Mastoidectomy Septoplasty Stapedectomy Tympanoplasty Eye Cataract surgery Corneal surgery penetrating keratoplasty Glaucoma surgery trabeculectomy Vitrectomy Gynecological Hysterectomy Myomectomy Musculoskeletal system Arthroscopic knee surgery with meniscectomy knee cartilage repair Arthroscopic shoulder surgery Clavicle resection Dislocations open reduction with internal fixation Fracture open reduction with internal fixation Removal or implantation of cartilage Tendon ligament repair Thyroid Excision of a mass Urologic Lithotripsy ColonialLife com THIS POLICY PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this coverage EXCLUSIONS We will not pay benefits for injuries received in accidents or for sicknesses which are caused by a alcoholism or drug addiction b dental procedures c elective procedures and cosmetic surgery d felonies or illegal occupations e pregnancy of a dependent child f psychiatric or psychological conditions g suicide or injuries which any covered person intentionally does to himself or herself or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months a er the e ective date of the policy or j for a newborn who is neither injured nor sick k The policy may have additional exclusions and limitations which may a ect any benefits payable PRE EXISTING CONDITION LIMITATION l We will not pay benefits for loss during the first 12 months a er the e ective date due to a pre existing condition m A preexisting condition is a sickness or physical condition for which a covered person was treated had medical testing received medical advice or had taken medication within the 12 months before the e ective date of the policy n This limitation applies to the following benefits if applicable Hospital Confinement Daily Hospital Confinement Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 TX For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company This form is not complete without form 562973 Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 8 23 562911 1

For more information, talk with your benefits counselor.Hospital Confinement Indemnity InsuranceOptional RidersTHIS POLICY PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum es-sential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance. EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses which are caused by: alcoholism or drug addiction, dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, psychiatric or psychological conditions, suicide or injuries which any covered person intentionally does to himself or herself, war. We will not pay benefits for hospital confinement due to giving birth within the first nine months aer the certificate eective date or for a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months aer the eective date due to a pre-existing condition. 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 the 12 months before the eective date of the rider.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may aect any benefits payable. Applicable to policy form IMB7000 and rider forms R-DHC7000 and R-EIC7000 (including state abbreviations where used, for example: IMB7000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.This form is not complete without a base form (101576, 101578, 101581, 562880, 562911 or 562942).IMB7000 – DAILY HOSPITAL CONFINEMENT AND ENHANCED INTENSIVE CARE UNIT CONFINEMENT RIDERS | 4-23 | 101582-6ColonialLife.comIndividual Medical BridgeTM oers two optional benefit riders – the daily hospital confinement rider and the enhanced intensive care unit confinement rider. For an additional cost, these riders can help provide extra financial protection to help with out-of-pocket medical expenses.Daily hospital confinement rider .................................................................$100 per dayPer covered person per day of hospital confinementMaximum of 365 days per covered person per confinementEnhanced intensive care unit confinement rider ..............................................$500 per dayPer covered person per day of intensive care unit confinementMaximum of 30 days per covered person per confinementRe-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.©2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

For more information, talk with your benefits counselor.Dental InsurancePlan 3 – $1,500, 100% | 80% | 50% IDN8000 – PLAN 3Dental 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 $1,500 per person.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:ColonialLife.comCLASS 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 ColonialLifeDental.com.

Covered procedures and waiting periodsColonialLife.comPreventive 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)4-18 | 101838-1©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 5 Advantage – $1,000 | 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. Policy detailsThe policy year maximum benet for this policy is $1,000 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 coinsurance for this policy is: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 120,000+ unique providers¹• Claims led for members by providers• Easy provider search on ColonialLifeDental.com• In-house recruiting team dedicated to expanding the networkHow does this policy pay benets for network and out-of-network care?Network benetsNetwork providers have agreed to charge discounted rates for covered services. You receive the benet of discounted services, and pay only your coinsurance 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 benetsOut-of-network providers haven’t agreed to discounted rates, and their fees may vary signicantly. Your policy’s coinsurance is applied to the lesser of the provider’s charge or a percentage of the customary charge in your area (80th percentile), and may not cover the total costs of dental care. You are responsible for your co-insurance portion, deductible and any remaining balance. IDN8000 — Plan 5 Advantage

Covered 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 pregnancy2• 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)• Virtual dental visits through TeleDentistry.com3Basic 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 period4,5• 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)Missing Tooth Exclusion: No benets will be paid for replacement of teeth missing prior to the effective date of coverage.Virtual Dental Visits through TeleDentistry.com24/7 dental care for dental emergencies when an in-person visit is not an option.A virtual dental visit can:• Evaluate the patient’s symptoms (jaw pain, chipped or broken tooth, sensitivity)• Identify needs and determine if emergency treatment is required• Write prescriptions for antibiotics or pain relief if appropriate6Visit ColonialLifeDental.com and click Virtual Dental Visits or call (866) 256-2261 to get started.For more information about this dental policy, talk with your benets counselor.1. Network360, December 20212. Member may have one additional periodontal maintenance in place of an additional cleaning.3. Terms and availability of service from TeleDentistry.com are subject to change. Services are not valid after policy terminates.4. Waiting periods may be waived if takeover applies. 5. No waiting period in Maine. Six-month waiting period in Vermont.6. TeleDentistry.com dentists do not prescribe controlled substances or prescribe outside of the United States.THIS POLICY PROVIDES LIMITED BENEFITS. A NETWORK ACCESS PLAN IS AVAILABLE.This policy is not available in ZIP codes beginning with 025. For California: Summary of Dental Benets and Coverage Disclosure (SDBC) is available at www.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 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.© 2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 10-22 | 527437-4ColonialLifeDental.com

For more information, talk with your benefits counselor.Individual Dental PPO InsuranceVision RiderIDN8000 – VISION RIDERDental insurance oers 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 benefitsIN-NETWORKOUT-OF-NETWORKALLOWANCECO-PAYSExam (once per 12 months) $10 Up to $35Materials $25 See belowSTANDARD PLASTIC LENSES (once per 12 months)Single vision Covered by co-pay Up to $25Bifocal Covered by co-pay Up to $40Trifocal Covered by co-pay Up to $50Lenticular $80 allowance Up to $50Progressive $70 allowance Up to $40Polycarbonate lenses (for children to age 19) Covered by co-pay N/AFRAMES1 (once per 12 months)Choose any frame available at provider locations $120 allowance Up to $50CONTACT 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 allowanceMedically necessary Up to $210 allowance Up to $210 allowanceFreedom of choiceYou’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. You can search for providers at ColonialLifeVision.com.Additional vision benefit advantages  Eye exams and materials (frames, lenses) can be purchased from dierent 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.ColonialLife.com

ColonialLife.com11-18 | 101851-31 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 – aer 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 aer 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.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 oer 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 aect any benefits payable. See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability.Special discounts on material purchases4Providers identified as Value Added or Service Plus in our online provider directory oer 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 providersDISCOUNTS FOR FIRST PAIR OF GLASSESLens options (add-ons for insured purchases):PURCHASE A SECOND PAIR OF GLASSES AND RECEIVE PREFERRED PRICINGLenses:DISCOUNTS ON FRAMES, CONTACT LENSES AND OTHER PRODUCTSService Plus providersRECEIVE UP TO A 20% DISCOUNT FOR THE FOLLOWING ADD-ONS TO INSURED PURCHASES:  UV coating  Solid tinting/gradient tinting  Standard scratch resistance coating  UV coating…$15  Solid tinting/gradient tinting…$15  Standard scratch resistance coating…$15  Standard anti-reflective coating…$45  Premium anti-reflective coating…$70  Ultra anti-reflective coating…20% discount  Polarized…$75  Transition…$75  Progressive lenses: – Standard…$110 – Premium…$170 – Ultra…member receives a 20% discount  Standard polycarbonate …$40  High index (single vision) – 1.56-1.60…$60 – 1.66+…20% discount  High index (multi-focal) – 1.56-1.60…$75 – 1.66+…20% discount  Single vision plastic lenses…$40  Bifocal plastic lenses…$60  Trifocal lenses…$70  Progressive lenses (standard)…$110  Progressive lenses (premium and ultra)…20% discount  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/solutions  Standard anti-reflective coating  Premium anti-reflective coating  Transition  Standard polycarbonateDental plans are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC, and administered by Starmount Life Insurance Company. ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Specified Critical Illness Insurance If you re diagnosed with a covered critical illness or cancer specified critical illness insurance from Colonial Life can help with your expenses so you can concentrate on what s most important your treatment care and recovery Face amount ___1_0_k_ _2_0_k_ _3_0_k__ Critical illness benefit FOR THE DIAGNOSIS OF THIS COVERED CRITICAL ILLNESS CONDITION THIS PERCENTAGE OF THE FACE AMOUNT IS PAYABLE Cancer 100 Heart attack myocardial infarction 100 Stroke2 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 disease3 25 Carcinoma in situ 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 CRITICAL ILLNESS 1 0 WITH CANCER AND SUBSEQUENT DIAGNOSIS

Specified Critical Illness Insurance Exclusions limitations and additional disclosures State specific variations on exclusions AK Alcoholism or Drug Addiction Exclusion does not apply CT Alcoholism or Drug Addiction Exclusion replaced with Intoxication or Drug Addiction Felonies or Illegal Occupations replaced with Felonies DE Alcoholism or Drug Addiction Exclusion does not apply FL Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply ID Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders IN Accidents or Sicknesses Occurring While the Policy is not In Force Exclusion added KY Alcoholism or Drug Addiction Exclusion does not apply Hallucinogenics added to Intoxicants and Narcotics Exclusion MD Alcoholism or Drug Addiction Exclusion does not apply Felonies or Illegal Occupations Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion replaced with Self Destruction or Self Inflicted Injuries MO Alcoholism or Drug Addiction Exclusion replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Illegal Activities NH Intoxicants and Narcotics exclusion does not apply NJ Alcoholism or Drug Addiction replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Felonies or Illegal Jobs Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disease or Disorder OR Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion does not apply Felonies or Illegal Occupations Exclusion replaced with Felonies SC Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders SD Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply TX Alcoholism or Drug Addiction Exclusion does not apply UT Alcoholism or Drug Addiction Exclusion replaced with Alcoholism VT Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply War or Armed Conflict Exclusion replaced with War State specific pre existing condition limitations FL 12 12 Pre existing Condition means having a sickness or physical condition that during the 12 months immediately preceding the Policy Coverage Effective Date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received IA 12 12 Pre existing Condition means having a condition for which medical advice or treatment or medication was recommended by a physician or received from a physician within 12 months preceding the Policy Coverage Effective Date of the covered person s policy MD 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy A condition admitted or disclosed on the application will be covered unless the disease or condition is excluded by name or specific description effective on the date of loss NC 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy If a covered person is 65 or older when this policy is issued pre existing conditions for that covered person will include only conditions specifically eliminated by rider NH 6 6 Pre existing condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing or received medical advice within 6 months before the Policy Coverage Effective Date of this policy NJ 6 6 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy NV 6 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy

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

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

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

Deductions per year: 26 These rates were prepared on 4/8/2024 and are valid for 90 days.Accident 1.0 for WIApplicable 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 FAMILYPremier with health screening 0-80 $12.24 $16.76 $18.32 $22.85Individual Dental PPO(IDN8000) for WIApplicable to policy form Individual Dental PPO(IDN8000)lwith Vision RiderZip Codes: 530, 531, 532, 535, 537, 538, 539, 540, 541, 542, 543, 544, 545, 546, 547, 548, 549COVERAGE LEVEL INDIVIDUAL INDIVIDUAL ANDSPOUSEINDIVIDUAL ANDCHILDRENINDIVIDUAL ANDFAMILYPlan 3 - 100/80/50, $1,500 MAC $17.73 $33.74 $41.37 $61.76Plan 5 Advantage - 100/80/50, $1,000 PPO $22.11 $42.57 $53.00 $79.18Individual Medical Bridge for WIApplicable to policy form Individual Medical Bridgel$2000 Hospital Confinement Benefit and Outpatient Surgical Procedure Benefit with a calendar year maximum of $1500.Daily Hospital Confinement benefit, Enhanced Intensive Care Unit Confinement benefitISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $20.01 $37.96 $27.74 $45.6950-59 $26.95 $51.25 $34.69 $58.9960-64 $36.66 $69.68 $44.41 $77.3965-75 $48.49 $92.07 $56.21 $99.81Critical Illness 1.0 for WIApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.88 $4.38 $3.62 $5.1725-29 $3.81 $5.81 $4.54 $6.6030-34 $4.77 $7.29 $5.51 $8.0735-39 $6.21 $9.50 $6.94 $10.2940-44 $7.45 $11.40 $8.19 $12.1845-49 $9.71 $14.95 $10.50 $15.6950-54 $13.45 $20.67 $14.19 $21.4155-59 $16.54 $25.43 $17.33 $26.2160-64 $21.90 $33.64 $22.68 $34.4365-70 $24.25 $37.29 $25.04 $38.03Page 1 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Critical Illness 1.0 for WIApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$20,000 17-24 $4.77 $7.24 $6.25 $8.8125-29 $6.62 $10.10 $8.10 $11.6730-34 $8.56 $13.06 $10.04 $14.6335-39 $11.42 $17.49 $12.90 $19.0640-44 $13.91 $21.27 $15.39 $22.8445-49 $18.44 $28.38 $20.01 $29.8650-54 $25.91 $39.83 $27.39 $41.3055-59 $32.10 $49.34 $33.67 $50.9060-64 $42.81 $65.77 $44.37 $67.3465-70 $47.51 $73.06 $49.08 $74.54$30,000 17-24 $6.67 $10.10 $8.88 $12.4625-29 $9.44 $14.40 $11.65 $16.7530-34 $12.34 $18.83 $14.56 $21.1835-39 $16.64 $25.47 $18.85 $27.8340-44 $20.37 $31.15 $22.59 $33.5045-49 $27.16 $41.81 $29.51 $44.0350-54 $38.37 $58.98 $40.59 $61.2055-59 $47.65 $73.24 $50.01 $75.6060-64 $63.71 $97.89 $66.07 $100.2465-70 $70.77 $108.83 $73.13 $111.04Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.67 $5.63 $4.45 $6.4125-29 $5.19 $7.98 $5.97 $8.7230-34 $7.08 $10.89 $7.87 $11.6735-39 $9.34 $14.35 $10.13 $15.1440-44 $11.70 $18.00 $12.48 $18.7845-49 $15.02 $23.12 $15.81 $23.8650-54 $20.42 $31.38 $21.21 $32.1755-59 $25.96 $39.87 $26.70 $40.6160-64 $33.11 $50.86 $33.90 $51.6465-70 $36.99 $56.86 $37.77 $57.60(Continued...)Page 2 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Critical Illness 1.0 for WIApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$20,000 17-24 $6.34 $9.74 $7.91 $11.3025-29 $9.39 $14.44 $10.96 $15.9230-34 $13.17 $20.26 $14.74 $21.8335-39 $17.70 $27.18 $19.27 $28.7540-44 $22.41 $34.47 $23.97 $36.0445-49 $29.05 $44.72 $30.62 $46.2050-54 $39.85 $61.24 $41.42 $62.8155-59 $50.93 $78.23 $52.41 $79.7060-64 $65.24 $100.20 $66.81 $101.7765-70 $72.99 $112.20 $74.56 $113.67$30,000 17-24 $9.02 $13.84 $11.37 $16.2025-29 $13.59 $20.90 $15.94 $23.1230-34 $19.27 $29.63 $21.62 $31.9835-39 $26.05 $40.01 $28.41 $42.3740-44 $33.11 $50.95 $35.47 $53.3045-49 $43.08 $66.32 $45.44 $68.5450-54 $59.28 $91.10 $61.64 $93.4655-59 $75.90 $116.58 $78.11 $118.8060-64 $97.36 $149.54 $99.71 $151.8965-70 $108.99 $167.54 $111.34 $169.75Whole Life Plus (IWL5000) for WIApplicable 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 100Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00018 $10.42 $20.84 $31.27 $41.6919 $10.44 $20.88 $31.32 $41.7720 $10.46 $20.92 $31.38 $41.8421 $10.48 $20.96 $31.44 $41.9222 $10.50 $21.00 $31.50 $42.0023 $10.52 $21.04 $31.56 $42.0724 $10.55 $21.10 $31.64 $42.1925 $10.62 $21.23 $31.85 $42.4626 $10.76 $21.52 $32.28 $43.0427 $11.00 $22.00 $33.00 $44.0028 $11.31 $22.62 $33.92 $45.23(Continued...)Page 3 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Whole Life Plus (IWL5000) for WIApplicable 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 100Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00029 $11.67 $23.34 $35.02 $46.6930 $12.06 $24.13 $36.20 $48.2731 $12.48 $24.96 $37.44 $49.9232 $12.92 $25.85 $38.77 $51.6933 $13.39 $26.79 $40.18 $53.5834 $13.90 $27.81 $41.71 $55.6235 $14.44 $28.88 $43.32 $57.7736 $15.02 $30.04 $45.06 $60.0737 $15.64 $31.29 $46.93 $62.5838 $16.32 $32.65 $48.98 $65.3039 $17.08 $34.15 $51.23 $68.3040 $17.89 $35.79 $53.68 $71.5841 $18.78 $37.56 $56.34 $75.1142 $19.73 $39.46 $59.19 $78.9243 $20.75 $41.50 $62.25 $83.0044 $21.83 $43.65 $65.48 $87.3045 $22.94 $45.88 $68.82 $91.7746 $24.07 $48.15 $72.23 $96.3047 $25.24 $50.48 $75.72 $100.9648 $26.43 $52.86 $79.30 $105.7249 $27.66 $55.32 $82.99 $110.6550 $28.96 $57.92 $86.88 $115.8451 $30.36 $60.73 $91.09 $121.4652 $31.90 $63.80 $95.71 $127.6153 $33.60 $67.19 $100.79 $134.3854 $35.45 $70.90 $106.35 $141.8055 $37.44 $74.88 $112.32 $149.7656 $39.57 $79.13 $118.70 $158.2657 $41.82 $83.65 $125.47 $167.3058 $44.23 $88.46 $132.69 $176.9259 $46.80 $93.61 $140.42 $187.2260 $49.56 $99.13 $148.69 $198.2661 $52.52 $105.03 $157.55 $210.0762 $55.68 $111.36 $167.04 $222.7263 $59.07 $118.15 $177.22 $236.3064 $62.72 $125.44 $188.16 $250.87(Continued...)Page 4 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Whole Life Plus (IWL5000) for WIApplicable 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 100Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00065 $66.63 $133.26 $199.90 $266.5366 $70.83 $141.67 $212.50 $283.3367 $75.35 $150.71 $226.06 $301.4168 $80.22 $160.44 $240.66 $320.8769 $85.48 $170.95 $256.43 $341.9170 $91.22 $182.44 $273.65 $364.8771 $97.59 $195.18 $292.78 $390.3772 $104.76 $209.53 $314.29 $419.0673 $112.90 $225.80 $338.70 $451.6074 $122.15 $244.30 $366.45 $488.5975 $132.64 $265.28 $397.92 $530.5676 $144.48 $288.97 $433.45 $577.9477 $157.79 $315.58 $473.38 $631.1778 $172.66 $345.31 $517.97 $690.6379 $189.17 $378.33 $567.50 $756.66Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00018 $15.82 $31.63 $47.45 $63.2719 $16.28 $32.56 $48.84 $65.1120 $16.72 $33.44 $50.16 $66.8821 $17.14 $34.29 $51.43 $68.5822 $17.54 $35.08 $52.62 $70.1523 $17.90 $35.81 $53.71 $71.6124 $18.24 $36.48 $54.72 $72.9625 $18.54 $37.08 $55.62 $74.1526 $18.80 $37.60 $56.39 $75.1927 $19.06 $38.11 $57.17 $76.2328 $19.32 $38.63 $57.95 $77.2729 $19.59 $39.17 $58.76 $78.3430 $19.90 $39.81 $59.71 $79.6131 $20.29 $40.57 $60.86 $81.1532 $20.75 $41.50 $62.25 $83.0033 $21.29 $42.58 $63.86 $85.1534 $21.90 $43.79 $65.68 $87.5735 $22.56 $45.12 $67.67 $90.23(Continued...)Page 5 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Whole Life Plus (IWL5000) for WIApplicable 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 100Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00036 $23.27 $46.54 $69.80 $93.0737 $24.04 $48.07 $72.11 $96.1538 $24.86 $49.73 $74.59 $99.4639 $25.76 $51.52 $77.28 $103.0340 $26.73 $53.46 $80.19 $106.9241 $27.82 $55.63 $83.45 $111.2642 $29.04 $58.09 $87.14 $116.1943 $30.43 $60.86 $91.29 $121.7344 $31.96 $63.92 $95.88 $127.8445 $33.59 $67.17 $100.75 $134.3446 $35.26 $70.52 $105.78 $141.0347 $36.96 $73.92 $110.88 $147.8448 $38.70 $77.40 $116.10 $154.8049 $40.50 $81.00 $121.50 $162.0050 $42.40 $84.80 $127.20 $169.6151 $44.55 $89.09 $133.64 $178.1952 $47.04 $94.08 $141.11 $188.1553 $49.93 $99.86 $149.79 $199.7254 $53.17 $106.34 $159.51 $212.6855 $56.61 $113.22 $169.84 $226.4556 $60.11 $120.23 $180.34 $240.4557 $63.61 $127.23 $190.84 $254.4558 $67.11 $134.22 $201.34 $268.4559 $70.61 $141.23 $211.84 $282.4560 $74.20 $148.40 $222.60 $296.8061 $78.03 $156.05 $234.08 $312.1062 $82.22 $164.44 $246.66 $328.8763 $86.77 $173.55 $260.33 $347.1064 $91.67 $183.34 $275.01 $366.6865 $96.82 $193.65 $290.47 $387.2966 $102.13 $204.26 $306.39 $408.5267 $107.59 $215.18 $322.78 $430.3768 $113.23 $226.47 $339.71 $452.9469 $119.12 $238.24 $357.36 $476.4870 $125.46 $250.91 $376.37 $501.8371 $132.72 $265.45 $398.18 $530.90(Continued...)Page 6 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice

Whole Life Plus (IWL5000) for WIApplicable 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 100Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00072 $141.24 $282.49 $423.73 $564.9873 $150.96 $301.91 $452.87 $603.8274 $161.63 $323.26 $484.88 $646.5175 $173.18 $346.37 $519.55 $692.7476 $185.55 $371.10 $556.65 $742.2077 $198.65 $397.29 $595.94 $794.5878 $212.40 $424.79 $637.19 $849.5879 $226.72 $453.44 $680.16 $906.89Important 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.Lisa Jones | (980) 622-3718(Continued...)Page 7 of 7Underwritten by Colonial Life & Accident Insurance CompanySee page 7 for Important Notice