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Benefit Booklet 2024

Aflac Accident Advantage ACCIDENT ONLY INSURANCE OPTION 1 We ve been dedicated to helping provide peace of mind and financial security for more than 60 years THE POLICY IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE LACK OF MAJOR MEDICAL COVERAGE OR OTHER MINIMUM ESSENTIAL COVERAGE MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES A36175NNCR IC 5 21

AFLAC ACCIDENT ADVANTAGE ACCIDENT ONLY INSURANCE OPTION 1 Policy Series A36000 AA1 Be prepared for life s unexpected mishaps Accidents can happen at any time You could suffer an accidental injury while you are working around the house or walking into work Or your child may get injured at basketball practice When an accident happens it can be costly Even with major medical insurance there may be out of pocket expenses that you ll have to pay In the event of an unexpected injury Aflac can help protect your personal finances We provide individuals and families affordable insurance that helps with expenses that may not be covered by major medical insurance Aflac pays cash benefits directly to you unless otherwise assigned so you can use the cash for anything you want Which means uncovered medical expenses won t break the bank if you are injured And since we can process your claim quickly Aflac helps give you the peace of mind knowing you can spend more time recovering and less time worrying about bills Aflac herein means American Family Life Assurance Company of Columbus

Understand the difference Aflac can make in your financial security Aflac pays cash benefits for covered accidental injuries directly to you unless assigned Your own peace of mind and the assurance that your family will have help financially are powerful reasons to consider Aflac The financial impact of an accident is often surprising Most people have expenses after an accident they never thought of before From out of pocket medical costs to a temporary loss of income your finances may be strained If you or a family member suffered an accidental injury can your finances handle it What does the Aflac Accident Advantage policy include A wellness benefit payable for routine medical exams to encourage early detection and prevention Benefits payable for fractures dislocations lacerations concussions burns emergency dental work eye injuries and surgical procedures Benefits payable for initial treatment X rays major diagnostic exams and follow up treatments Benefits payable for physical speech and occupational therapy Daily hospitalization benefits payable for hospital stays and additional daily benefits paid for stays in a hospital intensive care unit Why Aflac Accident Advantage may be the right choice for you No underwriting questions to answer1 No coordination of benefits we pay regardless of any other insurance you may have No network restrictions you choose your own health care provider Portable take the plan with you if you change jobs or retire 24 hour accident insurance How it works Aflac Ambulance AFLAC ACCIDENT ADVANTAGE OPTICOruNtch1es COVERAGE IS SELECTED Dental Disabled AFLAC ACCIDENT ADVANTAGE Heart WIncHomILeE PLAYING IN THE STATE HOCKEY PLAYOFFS YOUR CHILD WAS INJURED AND WInfeAcStioTnA KfeEvNer TO THE ER BY AMBULANCE HPhISysiLciEanG IS BROKEN AND SURGERY IS PERFORMED Urgent AFLAC ACCIDENT ADVANTAGE OPTION 1 COVERAGE PROVIDES THE FOLLOWING 3 706 25 TOTAL BENEFITS The above example is based on a scenario for the Aflac Accident Advantage Option 1 that includes the following benefit conditions Ambulance Benefit of 120 ground ambulance transportation Accident Treatment Benefit of 130 hospital emergency room treatment with X rays Accident Specific Sum Injuries Benefit of 750 fractured leg femur open reduction under anesthesia Initial Accident Hospitalization Benefit of 650 Accident Hospital Confinement Benefit of 195 hospitalized for 1 day Major Diagnostic and Imaging Exams Benefit of 150 CT scan Appliances Benefit of 200 wheelchair Therapy Benefit of 405 9 physical therapy treatments Accident Follow Up Treatment Benefit of 270 6 follow up treatments Family Support Benefit of 20 hospitalized for 1 day Family Lodging Benefit of 75 hospital and motel hotel more than 50 miles from residence and Organized Sporting Activity Benefit of 741 25 Benefits and or premium may vary based on state and benefit option selected The policy has limitations and exclusions that may affect benefits payable Riders are available for an additional cost For costs and complete details of the coverage contact your Aflac insurance agent producer This brochure is for illustrative purposes only Refer to the policy for complete benefit details definitions limitations and exclusions 1Association and associate only accounts have one underwriting question

AFLAC ACCIDENT ADVANTAGE OPTION 1 BENEFIT OVERVIEW BENEFIT NAME INITIAL ACCIDENT HOSPITALIZATION BENEFIT ACCIDENT HOSPITAL CONFINEMENT BENEFIT INTENSIVE CARE UNIT CONFINEMENT BENEFIT ACCIDENT TREATMENT BENEFIT AMBULANCE BENEFIT BLOOD PLASMA PLATELETS BENEFIT MAJOR DIAGNOSTIC AND IMAGING EXAMS BENEFIT ACCIDENT FOLLOW UP TREATMENT BENEFIT THERAPY BENEFIT APPLIANCES BENEFIT PROSTHESIS BENEFIT PROSTHESIS REPAIR OR REPLACEMENT BENEFIT REHABILITATION FACILITY BENEFIT HOME MODIFICATION BENEFIT BENEFIT AMOUNT 650 when admitted for a hospital confinement of at least 18 hours or 975 when admitted directly to an intensive care unit of a hospital for a covered accident per calendar year per covered person 195 per day up to 365 days per covered accident per covered person Additional 300 per day for up to 15 days per covered accident per covered person Payable once per 24 hour period and only once per covered accident per covered person Hospital emergency room with X ray 130 Hospital emergency room without X ray 100 Office or facility other than a hospital emergency room with X ray 80 Office or facility other than a hospital emergency room without X ray 50 120 ground ambulance transportation or 800 air ambulance transportation 100 once per covered accident per covered person 150 per calendar year per covered person 45 for one treatment per day up to a max of 6 treatments per covered accident per covered person 45 for one treatment per day up to a max of 10 treatments per covered accident per covered person Benefits are payable for the medical appliances listed below Back brace 200 Body jacket 200 Knee scooter 200 Wheelchair 200 Leg brace 50 Crutches 25 Payable once per covered accident per covered person Walker 25 Walking boot 25 Cane 25 375 once per covered accident per covered person 375 once per covered person per lifetime 75 per day 1 000 once per covered accident per covered person Pays benefits for the treatments listed below ACCIDENT SPECIFIC SUM INJURIES BENEFITS D I S L O C AT I O N S 40 1 500 BURNS 75 7 500 SKIN GR AFTS 50 of the burns benefit amount paid for the burn involved EYE INJURIES Surgical repair 250 Removal of foreign body by a physician 50 L AC ER AT IONS Not requiring sutures 20 Less than 5 centimeters 40 At least 5 cm but not more than 15 cm 150 Over 15 centimeters 300 FR ACTURES 75 1 500 CONCUSSION BRAIN 50 EMERGENCY DENTAL WORK Broken tooth repaired with crown 75 Broken tooth resulting in extraction 25 COMA 7 500 PA R A LY S I S Quadriplegia 7 500 Paraplegia 3 750 Hemiplegia 3 000 SURGICAL PROCEDURES 150 750 MISCELLANEOUS SURGICAL P R O C E D U R E S 80 19 0 PAIN MANAGEMENT NON SURGICAL Epidural 100 ACCIDENTAL DE ATH BENEFIT INSURED SPOUSE CHILD ACCIDENTAL DISMEMBERMENT BENEFIT WELLNESS BENEFIT FAMILY SUPPORT BENEFIT ORGANIZED SPORTING ACTIVITY BENEFIT CONTINUATION OF COVERAGE BENEFIT WAIVER OF PREMIUM BENEFIT TRANSPORTATION BENEFIT FAMILY LODGING BENEFIT Common Carrier Accident 105 000 105 000 13 000 Other Accident 26 000 26 000 8 000 200 20 000 80 once per calendar year 20 per day up to 30 days per covered accident Additional 25 of the benefits payable limited to 1 000 per policy per calendar year Waives all monthly premiums for up to two months if conditions are met Yes 200 per round trip up to 3 round trips per calendar year per covered person 75 per night up to 30 days per covered accident Hazardous Activity Accident 6 500 6 500 6 500 REFER TO THE FOLLOWING PAGES AND POLICY FOR COMPLETE BENEFIT DETAILS DEFINITIONS LIMITATIONS AND EXCLUSIONS

Aflac Choice HOSPITAL CONFINEMENT INDEMNITY INSURANCE OPTION 1 We ve been dedicated to helping provide peace of mind and financial security for more than 60 years The policy is a supplement to health insurance and is not a substitute for major medical coverage Lack of major medical coverage or other minimum essential coverage may result in an additional payment with your taxes B40175NNC IC 1 17

AFLAC CHOICE HOSPITAL CONFINEMENT INDEMNITY INSURANCE OPTION 1 Policy Series B40000 HC Life is full of tough choices but this isn t one of them Aflac Choice makes selecting the right coverage easier and less stressful With your trusted Aflac agent you can tailor Aflac Choice to meet your specific needs and enhance your existing coverage Choose the options you want and ignore the rest Here s how we can help Aflac Choice offers our best selection of hospital related benefits to help with the expenses that may not be covered by major medical which can help prevent high deductibles and out of pocket expenses from derailing your life plans If choosing the right coverage has given you one giant headache in the past don t worry We re here to help Why Aflac Choice may be the right policy for you It s customizable You choose the plan that s right for you based on your specific needs It also works well with our other products Guaranteed issue options available that means there is no medical questionnaire required We pay cash directly to you unless you tell us otherwise not the doctor or hospital Aflac herein means American Family Life Assurance Company of Columbus

Understand the difference Aflac makes in your financial security Aflac pays cash benefits directly to you unless otherwise assigned for covered hospital expenses We provide you with financial resources to help you overcome some of the unexpected expenses associated with a visit to the hospital giving you less to worry about so you can focus your energy on getting better How it works POLICYHOLDER FEELS A SHARP PAIN IN HIS RIGHT SIDE Decides to visit his urgent care clinic for care Choice 1 1 600 Aflac Choice Policy Choice 2 2 200 Policy Hospital Stay and Surgical Care Rider DOCTOR DIAGNOSES APPENDICITIS sends patient to hospital by ambulance PATIENT HAS LAB TEST diagnostic exam in hospital ER Undergoes surgery and released after 3 days Choice 3 2 010 Policy Extended Benefits Rider Choice 4 2 610 Policy Both Riders The above example is based on four scenarios Choice 1 Scenario Policyholder has the Aflac Choice policy only includes a Hospital Confinement Benefit of 1 500 and a Hospital Emergency Room Benefit of 100 Choice 2 Scenario Policyholder has the Aflac Choice policy plus the Hospital Stay and Surgical Care Rider includes the benefit amounts from Choice 1 Scenario shown above plus an Initial Assistance Benefit of 100 a Surgery Benefit appendectomy of 200 and a Daily Hospital Confinement Benefit of 300 hospitalized for 3 days Choice 3 Scenario Policyholder has the Aflac Choice policy plus the Extended Benefits Rider includes the benefit amounts from Choice 1 Scenario shown above plus a Physician Visit Benefit of 25 a Laboratory Test and X Ray Benefit of 35 a Medical Diagnostic and Imaging Exams Benefit of 150 and an Ambulance Benefit of 200 ground Choice 4 Scenario Policyholder has the Aflac Choice policy plus both the Extended Benefits Rider and the Hospital Stay and Surgical Care Rider includes the benefit amounts from Choice 1 Scenario shown above plus a Physician Visit Benefit of 25 a Laboratory Test and X Ray Benefit of 35 a Medical Diagnostic and Imaging Exams Benefit of 150 an Ambulance Benefit of 200 ground an Initial Assistance Benefit of 100 a Surgery Benefit appendectomy of 200 and a Daily Hospital Confinement Benefit of 300 hospitalized for 3 days Benefits may vary by state and benefit option selected The policy has limitations and exclusions that may affect benefits payable This brochure is for illustrative purposes only Refer to the policy for benefit details definitions limitations and exclusions

If Disability Stops Your Pay Will You Have the Ability to Pay Your Bills SHORT TERM DISABILITY INSURANCE DI

SHORT TERM DISABILITY INSURANCE Policy Series A57600 DI Helping Pay Your Bills While You Pay Attention to Your Health Imagine this One day not very far in the future you become disabled And you can t go to work It could happen to you In fact last year millions of families found themselves in this situation How would you pay the mortgage Buy groceries Make your car payment And pay all the other bills that won t go away just because your paycheck is gone That s where Aflac s shortterm disability insurance policy can help make the difference The difference that means you will still have a source of income and you will know Aflac is helping take care of your bills while you re taking care of yourself Aflac herein means American Family Life Assurance Company of Columbus T h e FAC T S say yo u n e e d t h e p r o t e cti o n o f A F L AC S h o r t t e r m D I S A B I L I T Y 3in10 fact n o 0 1 Almost one third of Americans entering the work force today will become disabled before they retire nearly 90 fact no 02 of disabilities aren t work related and therefore don t qualify for workers compensation benefits over 10 fact no 03 of Americans between the ages of 18 and 64 have a disability 100 fact no 04 million Americans are not protected by private disability insurance aflac com We ve got you under our wing CDA 2010 Consumer Disability Awareness Study Council for Disability Awareness 2010

Aflac Cancer Protection Assurance CANCER INDEMNITY INSURANCE OPTION 2 We ve been dedicated to helping provide peace of mind and financial security for more than 60 years THE POLICY IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE LACK OF MAJOR MEDICAL COVERAGE OR OTHER MINIMUM ESSENTIAL COVERAGE MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES B70275NRNC IC 3 23

AFLAC CANCER PROTECTION ASSURANCE CANCER INDEMNITY INSURANCE OPTION 2 Policy Series B70000 We re there when you need us most The unfortunate reality is cancer touches almost everyone at some point in their lives whether it s yourself or a loved one But each person has a unique story especially when it comes to cancer treatment We believe if faced with a cancer diagnosis you need real solutions that help you face the financial physical and emotional challenges often experienced by cancer patients and their families before during and after treatment Since 1958 Aflac has been a pioneer in cancer insurance As cancer treatment protocols have changed our coverage has evolved to help cover the costs of those innovative treatments and provide solutions that empower you to seek treatment while easing the financial concerns that often accompany it Benefits paid directly to you Aflac Cancer Protection Assurance pays cash benefits directly to you unless assigned when you need them most If you re ever diagnosed with a covered cancer these benefits are more important than ever Why Because cancer treatment can be expensive Health insurance was never intended to cover the cost of things like deductibles co pays lost work time or even travel Aflac Cancer Protection Assurance can help with cancer associated costs like these C2 Aflac herein means American Family Life Assurance Company of Columbus

Understand the difference Aflac makes in your financial security Aflac pays cash benefits directly to you unless otherwise assigned This means that you can have added financial resources to help with expenses incurred due to medical treatment ongoing living expenses or any purpose you choose Aflac Cancer Protection Assurance stays with you for life We re with you even when you re well We pay a benefit for early detection and preventive care like mammograms PSA blood tests and many other kinds of cancer screenings We ll see you all the way through treatment If you re diagnosed with cancer we offer benefits that you can count on You ll receive a benefit upon initial diagnosis of a covered cancer and our support doesn t end there We give you the freedom to choose the best care for you You and your doctor decide on a treatment plan together we help provide you with financial support for every month that you re undergoing that treatment Want a second opinion We provide a benefit for that too Aflac Heart How it works Ambulance Income Aflac Heart AFLAC CANCER PROTECTION ASSURANCE INSURANCE OPTION 2 Crutches Ambulance Aflac Infection fever Income Heart Dental Crutches Ambulance POLICYHOLDER SUFFDEisRabSled FROM FREQUENT INFECDCTerunItOtcahNl eSs AND HIGH FEVER Disabled Dental PPInOhfeyLcsItiCcioiYannH OfeLvDerER VISITS PHYSICIAN Income PUHrgYeSnItCIAN RECOMMENDS BONE MPInhAfeyRcstiRcioiOannW feBvIeOr PSY PUArTgeIEnNt T RECEIVES DIAGNOSIS OF LPEhUysKicEiaMnIA AND UNDERGOES TREATMENT TOTAL BENEFITS OF 29 575 Disabled Urgent The above example is based on a scenario for Aflac Cancer Protection Assurance Option 2 with three units of the Initial Diagnosis Building Benefit Rider purchased three years prior to claim and includes the following benefit conditions Initial Diagnosis Benefit of 5 000 Initial Diagnosis Building Benefit Rider three units for three years of 900 Bone Marrow Biopsy Cancer Screening Benefit of 75 IV Chemotherapy for 3 months Physician Administered Radiation Therapy Chemotherapy Immunotherapy or Experimental Chemotherapy Benefit of 4 800 Immunotherapy Physician Administered Radiation Therapy Chemotherapy Immunotherapy or Experimental Chemotherapy Benefit for 6 months of 9 600 Antinausea Benefit 9 months of 900 Stem Cell Transplant Benefit of 7 000 Hospital Confinement Benefit 4 days of 800 Annual Care Benefit paid on the first anniversary of diagnosis of 500 Coverage remains in force as long as premiums are paid Benefits and or premiums may vary based on state and benefit option selected Riders are available for an additional cost The policy riders have limitations exclusions and pre existing condition limitations that may affect benefits payable The policy and certain riders contain a 30 day waiting period This brochure is for illustrative purposes only Refer to the policy riders for complete benefit details definitions limitations and exclusions For more information ask your insurance agent producer call 1 800 992 3522 or visit aflac com

Benefits overview Choose the Policy and Riders that Fit Your Needs BENEFIT INITIAL DIAGNOSIS R ADIATION THER APY CHEMOTHER APY IMMUNOTHERAPY OR EXPERIMENTAL CHEMOTHERAPY ANNUAL CARE CANCER SCREENING PROPHYLACTIC SURGERY DUE TO A POSITIVE GENETIC TEST RESULT DESCRIPTION Named Insured or Spouse 5 000 Dependent Child 10 000 Payable once per covered person per lifetime Self Administered 375 per calendar month Physician Administered 1 600 per calendar month This benefit is limited to one self administered treatment and one physician administered treatment per calendar month 500 on the anniversary date of diagnosis lifetime maximum of five annual 500 payments per covered person One 75 benefit per calendar year per covered person Benefit increases to three screenings per calendar year after the diagnosis for internal cancer or an associated cancerous condition 250 per covered person per lifetime ADDITIONAL OPINION 300 per covered person per lifetime HORMONAL THERAPY 25 once per calendar month TOPICAL CHEMOTHERAPY 150 once per calendar month ANTINAUSEA STEM CELL AND BONE MARROW T R A NSP L A N TAT I ON BLOOD AND PLASMA S U R G I C A L A N E S T H E S I A SKIN CANCER SURGERY PROPHYLACTIC SURGERY WITH CORRELATING INTERNAL CANCER DIAGNOSIS 100 once per calendar month 7 000 lifetime maximum of 7 000 per covered person Donor Benefit 100 for stem cell donation or 750 for bone marrow donation Payable one time per covered person Inpatient actual charges incurred up to 50 multiplied by the number of days paid under the Hospital Confinement Benefit per covered person Outpatient actual charges incurred up to 175 per day per covered person 100 3 400 Anesthesia additional 25 of the Surgery Benefit Maximum daily benefit will not exceed 4 250 no lifetime maximum on the number of operations Laser or Cryosurgery 35 Excision of lesion of skin without flap or graft 170 Flap or graft without excision 250 Excision of lesion of skin with flap or graft 400 Maximum daily benefit will not exceed 400 No lifetime maximum on the number of operations 250 per covered person per lifetime HOSPITALIZATION CONFINEMENT FOR 30 DAYS OR LESS HOSPITALIZATION CONFINEMENT FOR 31 DAYS OR MORE Named Insured or Spouse 200 Dependent Child 250 Named Insured or Spouse 400 Dependent Child 500

OUTPATIENT HOSPITAL SURGICAL ROOM CHARGE EXTENDED CARE FACILITY HOME HEALTH CARE HOSPICE CARE NURSING SERVICES SURGICAL PROSTHESIS NONSURGICAL PROSTHESIS BREAST RECONSTRUCTION OTHER RECONSTRUCTIVE SURGERY EGG HARVESTING STORAGE CRYOPRESERVATION AND I MP L A N TAT I ON AMBULANCE T R A N SP O R TAT I O N LODGING WAIVER OF PREMIUM CONTINUATION OF COVERAGE OPTIONAL RIDERS INITIAL DIAGNOSIS BUILDING BENEFIT RIDER SPECIFIED DISEASE BENEFIT RIDER DEPENDENT CHILD RIDER 200 per day per covered person 100 per day limited to 30 days in each calendar year per covered person 100 per day limited to 10 days per hospitalization per covered person and 30 days per calendar year per covered person 1 000 for first day 50 per day thereafter 12 000 lifetime maximum per covered person 100 per day payable for only the number of days the Hospital Confinement Benefit is payable 2 000 lifetime maximum of 4 000 per covered person 175 per occurrence per covered person lifetime maximum of 350 per covered person Breast Tissue Muscle Reconstruction Flap Procedures 2 000 Breast Reconstruction occurring within 5 years of breast cancer diagnosis 500 Breast Symmetry on the nondiseased breast occurring within 5 years of breast reconstruction 220 Permanent Areola Repigmentation on the diseased breast 100 Maximum daily benefit will not exceed 2 000 Facial Reconstruction 500 Anesthesia additional 25 of the Other Reconstructive Surgery Benefit Maximum daily benefit will not exceed 500 1 000 for a covered person to have oocytes extracted and harvested 200 for the storage of a covered person s oocyte s or sperm 200 for embryo transfer Lifetime maximum of 1 400 per covered person 250 ground 2 000 air ambulance 40 cents per mile for transportation payable up to a combined maximum of 1 200 per round trip 65 per day limited to 90 days per calendar year Yes Yes DESCRIPTION This benefit will increase the amount of your Initial Diagnosis Benefit as shown in the policy by 100 for each unit purchased up to five units for each covered person on the anniversary date of coverage while coverage remains in force When a covered person is diagnosed with any of the diseases listed in the Specified Disease Rider Initial diagnosis Hospitalization 2 000 30 days or less 400 per day 31 days or more 800 per day 10 000 when a covered dependent child is diagnosed as having internal cancer or an associated cancerous condition payable only once for each covered dependent child REFER TO THE FOLLOWING PAGES FOR BENEFIT DETAILS DEFINITIONS LIMITATIONS AND EXCLUSIONS

Aflac Critical Care Protection SPECIFIED HEALTH EVENT INSURANCE OPTION 3 We ve been dedicated to helping provide peace of mind and financial security for more than 60 years THE POLICY IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE LACK OF MAJOR MEDICAL COVERAGE OR OTHER MINIMUM ESSENTIAL COVERAGE MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES A74375NNC RC 3 22

AFLAC CRITICAL CARE PROTECTION SPECIFIED HEALTH EVENT INSURANCE OPTION 3 Policy Series A74000 CCP3 Critical care for you Added financial protection for your family Aflac s Critical Care Protection policy helps provide financial peace of mind if you experience a serious health event such as a heart attack or stroke You will receive a lump sum benefit upon diagnosis of a covered event with additional benefits to be paid for things such as a hospital confinement intensive care unit confinement ambulance transportation lodging and therapy Benefits are also paid for specific heart surgeries such as heart valve surgery coronary angioplasty coronary stent implantation and pacemaker placement All benefits are paid directly to you unless otherwise assigned and can be used for any out of pocket expenses you have such as car payments mortgage or rent payments or utility bills Aflac Critical Care Protection allows you to help protect the things you love the most from the things you expect the least Aflac herein means American Family Life Assurance Company of Columbus

Understand the difference Aflac can make in your financial security Aflac pays cash benefits directly to you unless otherwise assigned Aflac Critical Care Protection is designed to provide you with cash benefits if you experience a specified health event such as sudden cardiac arrest or end stage renal failure This means that you will have added financial resources to help with expenses incurred due to a serious health event to help with ongoing living expenses or to help with any purpose you choose Aflac Critical Care Protection offers more types of benefits compared to other critical illness coverage on the market Pays 7 500 upon diagnosis of having had a specified health event which increases to 10 000 for dependent children Pays benefits for specified heart surgeries such as heart valve surgery coronary angioplasty coronary stent implantation pacemaker placement and many more Pays 300 per day for covered hospital stays Daily benefits payable for covered hospital intensive care unit and step down intensive care unit confinements Pays benefits for physical therapy speech therapy rehabilitation therapy home health care and many more Transportation and lodging benefits payable for travel to receive treatment Guaranteed renewable for your lifetime with some benefits reduced at age 70 as long as premiums are paid the policy cannot be canceled Specified health events covered by the Critical Care Protection policy include Heart Attack Coma Stroke Paralysis Coronary Artery Bypass Graft Surgery CABG Major Human Organ Transplant Sudden Cardiac Arrest End Stage Renal Failure Third Degree Burns Persistent Vegetative State Specified Heart Surgery Benefits covered by the Critical Care Protection policy include Tier One Heart Valve Surgery Surgical Treatment of Abdominal Aortic Aneurysm How it works Tier Two Coronary Angioplasty Transmyocardial Revascularization TMR Atherectomy Coronary Stent Implantation Cardiac Catheterization Automatic Implantable Cardioverter Defibrillator AICD Placement Pacemaker Placement AFLAC CRITICAL CARE PROTECTION INSURANCE Aflac Aflac AFLAC CRITICAL CAmARbuElance PROTECTION OPTIAOmNbu3lance COVERAGE IS SELECCrTutEcDhe s Crutches Dental Dental POLICYHOLDER SUFFERS A HEART ATTACK AHNeDartIS TRANSPORTED TO THE HOSPITAL BY AHeMAaflrBat cULANCE Heart PInOcLoImCeYHOLDER HAS HEART SURGERY TO IInMcAoPmmLbeAuNlanTcAe STENT AND ISInHcOomSPe ITALIZED AInFfTecEtRionL EAfeVveINr G THE HOSPITAL POLICYHOLDER RInEfCeCcrutEiotcInVh eEsfSevePrHYSICAL THERInAfePcYt ion fever SPEhVysEicRiaAnL MONTHS LATER POLICYHOLDER HAS HPhEDyAesincRitaaTnl VALVE SURGERY APNhDysIiSciaHnOSPITALIZED AFLAC CRITICAL CARE PROTECTION OPTION 3 PAYS TOTAL BENEFITS OF 23 100 DiDsaisbalbelded UUrgrgenetnt The above example is based on a scenario for Aflac Critical Care Protection Option 3 that includes the following benefit conditions First Occurrence Benefit heart attack of 7 500 Ambulance Benefit ground ambulance transportation of 250 SDpiescaifbieleddHeart Surgery Benefit TUierrgTewnot Coronary Stent Implantation of 2 000 Hospital Intensive Care Unit Benefit 4 days of 3 200 Hospital Confinement Benefit 8 days of 2 400 Specified Heart Surgery Benefit Tier One heart valve surgery of 4 000 and Continuing Care Benefit 30 days of 3 750 Benefits and or premiums may vary based on state and option level selected The policy has limitations exclusions and pre existing conditions limitations that may affect benefits payable Riders are available for an additional cost For costs and complete details of the coverage contact your Aflac insurance agent producer This brochure is for illustrative purposes only Refer to the policy for complete benefit details definitions limitations and exclusions

Aflac Critical Care Protection Option 3 Benefit Overview BENEFIT NAME HOSPITAL INTENSIVE CARE UNIT BENEFIT STEP DOWN INTENSIVE CARE UNIT BENEFIT BENEFIT AMOUNT Days 1 7 800 per day Days 8 15 1 300 per day Limited to 15 days per period of confinement no lifetime maximum 500 per day limited to 15 days per period of confinement no lifetime maximum PROGRESSIVE BENEFIT FOR HOSPITAL INTENSIVE CARE UNIT STEP DOWN INTENSIVE CARE UNIT CONFINEMENT An indemnity of 2 will accumulate for the named insured and the covered spouse for each calendar month the policy remains in force after the effective date FIRST OCCURRENCE BENEFIT NAMED INSURED SPOUSE DEPENDENT CHILDREN SUBSEQUENT SPECIFIED HEALTH EVENT BENEFIT 7 500 lifetime maximum 7 500 per covered person 10 000 lifetime maximum 10 000 per covered person 3 500 subsequent occurrence limitations apply no lifetime maximum SPECIFIED HEART SURGERY BENEFITS Tier One 4 000 when a covered person undergoes one of the following Heart Valve Surgery Surgical Treatment of Abdominal Aortic Aneurysm Tier Two 2 000 when a covered person undergoes one of the following Coronary Angioplasty Transmyocardial Revascularization TMR Atherectomy Coronary Stent Implantation Cardiac Catheterization Automatic Implantable Cardioverter Defibrillator AICD Placement Pacemaker Placement SUBSEQUENT TIER ONE SPECIFIED HEART SURGERY BENEFIT HOSPITAL CONFINEMENT BENEFIT Tier One and Tier Two benefits are payable only once per covered person per lifetime Subsequent occurrence limitations apply 1 000 subsequent occurrence limitations apply no lifetime maximum 300 per day no lifetime maximum 125 each day when a covered person is charged for any of the following treatments CONTINUING CARE BENEFIT Rehabilitation Therapy Physical Therapy Speech Therapy Occupational Therapy Respiratory Therapy Dietary Therapy Consultation Home Health Care Dialysis Hospice Care Extended Care Physician Visits Nursing Home Care AMBULANCE BENEFIT TRANSPORTATION BENEFIT LODGING BENEFIT WAIVER OF PREMIUM BENEFIT CONTINUATION OF COVERAGE BENEFIT Treatment is limited to 75 days for continuing care received within 180 days following the occurrence of the most recent covered specified health event or specified heart surgery No lifetime maximum 250 ground or 2 000 air no lifetime maximum 50 per mile per covered person whom special treatment is prescribed for a covered loss Limited to 1 500 per occurrence no lifetime maximum Up to 75 per day for covered lodging charges Limited to 15 days per occurrence no lifetime maximum Premium waived from month to month during total inability after 180 continuous days Waives all monthly premiums for up to 2 months when all conditions for this benefit are met REFER TO THE FOLLOWING PAGES FOR BENEFIT DETAILS DEFINITIONS LIMITATIONS AND EXCLUSIONS

Thank you Shelley Hartsell Benefit Specialist 704 883 4838