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45103 G000BV4XTerm Life InsuranceWe’ve Got You CoveredAs an active employee of Juvenile Law Center, you have accessto a life insurance policy from United of Omaha Life InsuranceCompany.It replaces the income you would have provided, and helps payfuneral costs, manage debt and cover ongoing expenses.How much insurance is enough?When determining how much life insurance you need, thinkabout the expenses you may encounter now and through everystage of your life.Coverage guidelines and benefits are outlined in the chart below.ELIGIBILITY - ALL ELIGIBLE EMPLOYEESEligibility RequirementYou must be actively working a minimum of 30 hours per week to beeligible for coverage.Premium PaymentThe premiums for this insurance are paid in full by the policyholder. Thereis no cost to you for this insurance.Life InsuranceBenefit AmountFor You: $55,000In the event of death, the benefit paid will be equal to the benefit amount after any agereductions less any living care/accelerated death benefits previously paid under this plan.AccidentalDeath &Dismemberment(AD&D) BenefitAmountFor You: The Principal Sum amount is equal to the amount of your life insurance benefit.FEATURESLiving Care/AcceleratedDeath Benefit80% of the amount of the life insurance benefit is available to you if terminally ill, not toexceed $44,000.

Waiver ofPremiumIf it is determined that you are totally disabled, your life insurance benefit will continuewithout payment of premium, subject to certain conditions.AdditionalAD&D BenefitsIn addition to basic AD&D benefits, you are protected by the following benefits:- Seat Belt - Airbag - Common CarrierConversionIf your employment ends, you may apply for an individual life insurance policy fromMutual of Omaha without having to provide evidence of insurability (information aboutyour health). You will be responsible for the premium for the coverage.SERVICESTravelAssistanceThe Travel Assistance program is an added benefit that provides assistance for your travelsover 100 miles away from home or outside the country.HearingDiscountProgramThe Hearing Discount Program provides you and your family discounted hearing products,including hearing aids and batteries. Call 1-888-534-1747 or visitwww.amplifonusa.com/mutualofomaha to learn more.Will PrepServicesWe work with Epoq, Inc. to offer employees online will prep tools. In just a few clicks youcan complete a basic will or other documents to protect your family and property. To getstarted visit www.willprepservices.com.AGE REDUCTIONS AND EXCLUSIONSInsurance benefits and guarantee issue amounts are subject to age reductions:- At age 65, amounts reduce to 65%- At age 70, amounts reduce to 50%Information about the AD&D exclusions for this plan will be included in the summary of coverage, whichyou will receive after enrolling.Please contact your employer if you have questions prior to enrolling.

This information describes some of the features of the benefits plan. Benefits may not be available in all states. Please refer to the certificatebooklet for a full explanation of the plan's benefits, exclusions, limitations and reductions. Should there be any discrepancy between thecertificate booklet and this outline, the certificate booklet will prevail. Life insurance and accidental death & dismemberment insurance areunderwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Policy form number7000GM-U-EZ 2010 or state equivalent (in NC: 7000GM-U-EZ 2010 NC). United of Omaha Life Insurance Company is licensednationwide, except New York.TERM LIFE INSURANCEWho is eligible for this insurance?You must be actively working (performing all normal duties of your job) at least 30 hours per week.What is Guarantee Issue?The amount of insurance applied for without answering any health questions (or which does not require evidence of insurability).Coverage amounts over the Guarantee Issue Amount will require evidence of insurability.What is Evidence of Insurability?Evidence of Insurability or proof of good health – may be required if you are a late entrant and/or you request any additionalcoverage above your guarantee issue amount.Can I take this insurance with me if I change jobs/am no longer a member of thisgroup?In the event this insurance ends due to a change in your employment/membership status with the group, or for certain otherreasons, you may have the right to continue this insurance under the Conversion provision, subject to certain conditions.Are there any limitations, reductions or exclusions?The benefits payable are based on the following:· Insurance benefits and guarantee issue amounts are subject to age reductions:- At age 65, amounts reduce to 65%- At age 70, amounts reduce to 50%· Information about the AD&D exclusions for this plan will be included in the summary of coverage, which you will receiveafter enrolling.All exclusions may not be applicable, or may be adjusted, as required by state regulations.