Texas Litter Control Benefit Guide : simplebooklet.com

Choose the benets that are right for youEnroll March 8, 2024 – March 20, 2024Texas Litter Control is pleased to offer a variety of benets during your upcoming enrollment. You will have the opportunity to speak with a benets counselor during open enrollment to nd out about all of your benet options.Texas Litter ControlYou also have the opportunity to apply for these Colonial Life voluntary benets:Group Accident Insurance can provide a benet for a range of accidental injuries and treatments. You can use the money however you choose.Group Hospital Indemnity Insurance provides a benet for hospital connement or outpatient surgery to help with deductibles.Group Critical Illness Insurance provides a benet to help you manage the nancial impacts of a critical illness.Term life Insurance provides money to your family if you die within a certain time period, or “term.” It can help them with nal arrangements, living expenses, tuition and more.Whole Life Insurance provides money to your family if you die, to help them with ongoing expenses. It provides a benet to help protect your family’s way of life in the event of your death.When it’s time to enroll, you need to have thefollowing items:• Your employee identication number• The name, SSN, date of birth and address of all dependents you wish to enroll• Life insurance beneciary information• Proof of dependent status (marriage certicate, birth certicate, court order) if adding a new dependent to medical or dental insurance plansThe following core benets will be offered during enrollment:• Medical insurance• Flexible spending accounts• Short-term disability insurance• Long-term disability insurance

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ColonialLife.comCore benets are offered by third parties.Policy forms marketed by the company vary by product and are too numerous to list in the advertisement, but a list can be provided upon request. Colonial Life Insurance products are 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. 9-23 | NS-15156If you have questions about your enrollment contact your local Colonial Life Independent Agent*:Natalie J. Teltow* Benets Counselor713-206-8880natalie@colonialtx.comHow to Enroll:Scheduler: Meet with a benets counselor during open enrollment to ask questions and enroll. Go to: https://calendly.com/texas-litter-control-2024-2025-open-enrollment/texas-litter-control-2024-open-enrollment or scan the QR code with your phone camera to schedule your benets enrollment session. In Person: At your 1-to-1 enrollment session, your Colonial Life benets counselor will fully explain the benets available, answer your questions, and help identify any gaps you may have in your coverage.

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Deductions per year: 24 These rates were prepared on 6/6/2023 based off of 62 eligible lives and are valid for 90 days.Group Accident for TXApplicable to policy forms GACC1.0-P & GACC1.0-ClOn/Off-Job Accident CoveragePreferredISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY17-99 $7.47 $12.32 $14.28 $19.14Group Medical Bridge (GMB7000) for TX Age-BandedApplicable to Policy Forms GMB7000–P & GMB7000-ClWellbeing Assistance: Basic - $50, Outpatient Surgical Procedure: Option 1 - ($500 / $1000 / $1500)HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 2: $100017-49 $9.58 $15.91 $13.78 $20.1050-59 $12.46 $22.56 $16.65 $26.7560-64 $16.03 $30.71 $20.23 $34.9065-99 $20.46 $40.26 $24.65 $44.45HOSPITAL CONFINEMENT LEVEL ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE PARENT FAMILY TWO PARENT FAMILYLevel 4: $200017-49 $14.28 $24.36 $20.48 $30.5550-59 $18.56 $34.66 $24.75 $40.8560-64 $24.58 $48.51 $30.78 $54.7065-99 $32.46 $65.21 $38.65 $71.40Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, Diagnosis of Cancer Benefit, $50 Health Screening Benefit, HSA CompliantNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 16-29 $3.25 $4.95 $3.55 $5.2530-39 $5.15 $7.75 $5.40 $8.0040-49 $9.25 $13.95 $9.55 $14.2550-59 $16.00 $24.50 $16.30 $24.8060-74 $25.25 $38.60 $25.60 $38.90$20,000 16-29 $5.05 $7.65 $5.65 $8.2530-39 $8.85 $13.25 $9.35 $13.7540-49 $17.05 $25.65 $17.65 $26.2550-59 $30.55 $46.75 $31.15 $47.3560-74 $49.05 $74.95 $49.75 $75.55$30,000 16-29 $6.85 $10.35 $7.75 $11.2530-39 $12.55 $18.75 $13.30 $19.5040-49 $24.85 $37.35 $25.75 $38.2550-59 $45.10 $69.00 $46.00 $69.9060-74 $72.85 $111.30 $73.90 $112.20Texas Litter Control Natalie Teltow(713) 206-8880Page 1 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, Diagnosis of Cancer Benefit, $50 Health Screening Benefit, HSA CompliantTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 16-29 $4.40 $6.65 $4.65 $6.9030-39 $7.20 $10.80 $7.45 $11.0540-49 $14.00 $21.05 $14.30 $21.3550-59 $25.00 $38.40 $25.30 $38.7060-74 $40.75 $62.45 $41.10 $62.80$20,000 16-29 $7.35 $11.05 $7.85 $11.5530-39 $12.95 $19.35 $13.45 $19.8540-49 $26.55 $39.85 $27.15 $40.4550-59 $48.55 $74.55 $49.15 $75.1560-74 $80.05 $122.65 $80.75 $123.35$30,000 16-29 $10.30 $15.45 $11.05 $16.2030-39 $18.70 $27.90 $19.45 $28.6540-49 $39.10 $58.65 $40.00 $59.5550-59 $72.10 $110.70 $73.00 $111.6060-74 $119.35 $182.85 $120.40 $183.90Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, $50 Health Screening Benefit, HSA CompliantNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 16-29 $2.60 $3.90 $2.70 $4.0530-39 $3.50 $5.30 $3.65 $5.4540-49 $5.70 $8.65 $5.85 $8.7550-59 $9.30 $14.50 $9.45 $14.6060-74 $14.45 $22.40 $14.55 $22.50$20,000 16-29 $3.75 $5.55 $3.95 $5.8530-39 $5.55 $8.35 $5.85 $8.6540-49 $9.95 $15.05 $10.25 $15.2550-59 $17.15 $26.75 $17.45 $26.9560-74 $27.45 $42.55 $27.65 $42.75$30,000 16-29 $4.90 $7.20 $5.20 $7.6530-39 $7.60 $11.40 $8.05 $11.8540-49 $14.20 $21.45 $14.65 $21.7550-59 $25.00 $39.00 $25.45 $39.3060-74 $40.45 $62.70 $40.75 $63.00Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 2 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Group Critical Care for TXApplicable to policy forms GCC1.0-P & GCC1.0-ClFull CI Benefit, with Subsequent Diagnosis, $50 Health Screening Benefit, HSA CompliantTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 16-29 $3.70 $5.60 $3.85 $5.7030-39 $5.60 $8.40 $5.70 $8.5040-49 $10.00 $15.05 $10.10 $15.1550-59 $17.20 $26.75 $17.35 $26.9060-74 $27.45 $42.55 $27.60 $42.65$20,000 16-29 $5.95 $8.95 $6.25 $9.1530-39 $9.75 $14.55 $9.95 $14.7540-49 $18.55 $27.85 $18.75 $28.0550-59 $32.95 $51.25 $33.25 $51.5560-74 $53.45 $82.85 $53.75 $83.05$30,000 16-29 $8.20 $12.30 $8.65 $12.6030-39 $13.90 $20.70 $14.20 $21.0040-49 $27.10 $40.65 $27.40 $40.9550-59 $48.70 $75.75 $49.15 $76.2060-74 $79.45 $123.15 $79.90 $123.45Term Life (ITL5000) for TXApplicable to policy form ITL5000l10-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $5.30 $5.11 $6.66 $8.2117 $5.30 $5.11 $6.66 $8.2118 $5.30 $5.11 $6.66 $8.2119 $5.30 $5.11 $6.66 $8.2120 $5.30 $5.11 $6.66 $8.2121 $5.30 $5.11 $6.66 $8.2122 $5.30 $5.11 $6.66 $8.2123 $5.30 $5.11 $6.66 $8.2124 $5.30 $5.11 $6.66 $8.2125 $5.30 $5.11 $6.66 $8.2126 $5.40 $5.11 $6.66 $8.2127 $5.50 $5.11 $6.66 $8.2128 $5.61 $5.11 $6.66 $8.2129 $5.71 $5.11 $6.66 $8.2130 $5.83 $5.11 $6.66 $8.2131 $5.96 $5.15 $6.72 $8.2932 $6.10 $5.23 $6.85 $8.4633 $6.23 $5.34 $7.00 $8.67Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 3 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l10-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00034 $6.36 $5.46 $7.19 $8.9235 $6.47 $5.63 $7.44 $9.2536 $6.56 $5.84 $7.75 $9.6737 $6.66 $6.09 $8.13 $10.1738 $6.75 $6.38 $8.56 $10.7539 $6.86 $6.69 $9.03 $11.3840 $6.98 $7.02 $9.53 $12.0441 $7.16 $7.40 $10.10 $12.7942 $7.40 $7.81 $10.72 $13.6343 $7.69 $8.27 $11.41 $14.5444 $8.04 $8.77 $12.16 $15.5445 $8.46 $9.31 $12.97 $16.6346 $8.95 $9.90 $13.85 $17.7947 $9.51 $10.52 $14.78 $19.0448 $10.15 $11.21 $15.81 $20.4249 $10.86 $11.96 $16.94 $21.9250 $11.65 $12.79 $18.19 $23.5851 $12.53 $13.69 $19.53 $25.3852 $13.52 $14.67 $21.00 $27.3353 $14.63 $15.73 $22.60 $29.4654 $15.86 $16.90 $24.35 $31.7955 $17.22 $18.19 $26.28 $34.3856 $18.72 $19.63 $28.44 $37.2557 $20.36 $21.21 $30.81 $40.4258 $22.14 $22.94 $33.41 $43.8859 $24.07 $24.83 $36.25 $47.6760 $26.20 $26.98 $39.47 $51.9661 $15.72 $29.44 $43.16 $56.8862 $17.13 $32.25 $47.38 $62.5063 $18.74 $35.48 $52.22 $68.9664 $20.59 $39.17 $57.75 $76.3365 $22.67 $43.33 $64.00 $84.6766 $25.02 $48.04 $71.06 $94.0867 $27.69 $53.38 $79.06 $104.7568 $30.72 $59.44 $88.16 $116.8769 $34.16 $66.31 $98.47 $130.6270 $38.06 $74.12 $110.19 $146.2571 $42.52 $83.04 $123.56 $164.0872 $47.62 $93.23 $138.84 $184.45Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 4 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l10-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00073 $53.44 $104.87 $156.31 $207.7474 $60.09 $118.19 $176.28 $234.3775 $67.69 $133.37 $199.06 $264.74Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $9.53 $8.88 $12.31 $15.7517 $9.59 $8.88 $12.31 $15.7518 $9.64 $8.88 $12.31 $15.7519 $9.69 $8.88 $12.31 $15.7520 $9.74 $8.88 $12.31 $15.7521 $9.79 $8.88 $12.31 $15.7522 $9.85 $8.88 $12.31 $15.7523 $9.90 $8.88 $12.31 $15.7524 $9.95 $8.88 $12.31 $15.7525 $10.00 $8.88 $12.31 $15.7526 $10.05 $8.88 $12.31 $15.7527 $10.11 $8.88 $12.31 $15.7528 $10.17 $8.88 $12.31 $15.7529 $10.25 $8.88 $12.31 $15.7530 $10.36 $8.88 $12.31 $15.7531 $10.50 $8.94 $12.41 $15.8832 $10.69 $9.06 $12.60 $16.1333 $10.92 $9.25 $12.88 $16.5034 $11.18 $9.50 $13.25 $17.0035 $11.41 $9.86 $13.78 $17.7136 $11.62 $10.31 $14.47 $18.6337 $11.76 $10.88 $15.31 $19.7538 $11.90 $11.56 $16.35 $21.1339 $12.03 $12.38 $17.56 $22.7540 $12.22 $13.34 $19.00 $24.6741 $12.51 $14.44 $20.66 $26.8842 $12.96 $15.69 $22.53 $29.3843 $13.62 $17.11 $24.66 $32.2144 $14.53 $18.69 $27.03 $35.3845 $15.72 $20.46 $29.69 $38.9246 $17.12 $22.42 $32.63 $42.8347 $18.66 $24.54 $35.81 $47.0848 $20.34 $26.86 $39.28 $51.71Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 5 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l10-Year Term Base PlanTobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00049 $22.16 $29.36 $43.03 $56.7150 $24.14 $32.06 $47.09 $62.1351 $26.29 $35.02 $51.53 $68.0452 $28.66 $38.23 $56.34 $74.4653 $31.26 $41.67 $61.50 $81.3354 $34.13 $45.29 $66.94 $88.5855 $37.26 $49.04 $72.56 $96.0856 $40.69 $52.83 $78.25 $103.6757 $44.40 $56.67 $84.00 $111.3358 $48.37 $60.56 $89.84 $119.1259 $52.54 $64.52 $95.78 $127.0460 $56.85 $68.58 $101.87 $135.1661 $37.39 $72.77 $108.15 $143.5462 $39.56 $77.12 $114.69 $152.2563 $41.84 $81.69 $121.53 $161.3764 $44.25 $86.50 $128.75 $171.0065 $46.83 $91.67 $136.50 $181.3366 $49.75 $97.50 $145.25 $192.9967 $53.16 $104.31 $155.47 $206.6268 $57.21 $112.41 $167.62 $222.8369 $61.91 $121.81 $181.71 $241.6270 $67.12 $132.25 $197.37 $262.4971 $72.86 $143.73 $214.59 $285.4572 $79.12 $156.25 $233.37 $310.4973 $85.92 $169.83 $253.74 $337.6674 $93.24 $184.47 $275.71 $366.9575 $101.10 $200.20 $299.30 $398.40Term Life (ITL5000) for TXApplicable to policy form ITL5000l15-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $5.35 $5.19 $6.78 $8.3817 $5.35 $5.19 $6.78 $8.3818 $5.35 $5.19 $6.78 $8.3819 $5.35 $5.19 $6.78 $8.3820 $5.35 $5.19 $6.78 $8.3821 $5.35 $5.19 $6.78 $8.3822 $5.35 $5.19 $6.78 $8.38Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 6 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l15-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00023 $5.35 $5.19 $6.78 $8.3824 $5.35 $5.19 $6.78 $8.3825 $5.35 $5.19 $6.78 $8.3826 $5.44 $5.19 $6.78 $8.3827 $5.54 $5.19 $6.78 $8.3828 $5.65 $5.19 $6.78 $8.3829 $5.75 $5.19 $6.78 $8.3830 $5.87 $5.19 $6.78 $8.3831 $6.00 $5.23 $6.85 $8.4632 $6.14 $5.31 $6.97 $8.6333 $6.27 $5.42 $7.13 $8.8434 $6.40 $5.54 $7.31 $9.0935 $6.51 $5.71 $7.56 $9.4236 $6.61 $5.92 $7.88 $9.8437 $6.70 $6.17 $8.25 $10.3438 $6.79 $6.46 $8.69 $10.9239 $6.90 $6.77 $9.16 $11.5440 $7.02 $7.13 $9.69 $12.2541 $7.20 $7.52 $10.28 $13.0442 $7.44 $7.96 $10.94 $13.9243 $7.73 $8.44 $11.66 $14.8844 $8.09 $8.96 $12.44 $15.9245 $8.50 $9.54 $13.31 $17.0946 $8.99 $10.19 $14.28 $18.3847 $9.55 $10.90 $15.35 $19.7948 $10.20 $11.67 $16.50 $21.3449 $10.93 $12.50 $17.75 $23.0050 $11.74 $13.42 $19.13 $24.8351 $12.65 $14.42 $20.63 $26.8352 $13.67 $15.50 $22.25 $29.0053 $14.82 $16.67 $24.00 $31.3354 $16.13 $17.92 $25.88 $33.8355 $17.57 $19.29 $27.94 $36.5856 $19.18 $20.84 $30.25 $39.6757 $20.95 $22.59 $32.88 $43.1758 $22.91 $24.58 $35.88 $47.1759 $25.06 $26.90 $39.34 $51.7960 $27.43 $29.54 $43.31 $57.0861 $17.28 $32.56 $47.84 $63.13Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 7 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l15-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00062 $19.01 $36.02 $53.03 $70.0463 $20.99 $39.98 $58.97 $77.9664 $23.24 $44.48 $65.72 $86.9665 $25.79 $49.58 $73.37 $97.1766 $28.68 $55.35 $82.03 $108.7167 $31.93 $61.85 $91.78 $121.7168 $35.56 $69.12 $102.69 $136.2569 $39.61 $77.21 $114.81 $152.4170 $44.08 $86.17 $128.25 $170.33Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $9.59 $8.96 $12.44 $15.9217 $9.64 $8.96 $12.44 $15.9218 $9.69 $8.96 $12.44 $15.9219 $9.74 $8.96 $12.44 $15.9220 $9.79 $8.96 $12.44 $15.9221 $9.85 $8.96 $12.44 $15.9222 $9.90 $8.96 $12.44 $15.9223 $9.95 $8.96 $12.44 $15.9224 $10.00 $8.96 $12.44 $15.9225 $10.05 $8.96 $12.44 $15.9226 $10.11 $8.96 $12.44 $15.9227 $10.16 $8.96 $12.44 $15.9228 $10.22 $8.96 $12.44 $15.9229 $10.29 $8.96 $12.44 $15.9230 $10.40 $8.96 $12.44 $15.9231 $10.54 $9.02 $12.53 $16.0432 $10.73 $9.15 $12.72 $16.2933 $10.96 $9.34 $13.00 $16.6734 $11.22 $9.59 $13.38 $17.1735 $11.45 $9.94 $13.91 $17.8836 $11.66 $10.40 $14.60 $18.7937 $11.80 $10.96 $15.44 $19.9238 $11.94 $11.65 $16.47 $21.2939 $12.08 $12.46 $17.69 $22.9240 $12.26 $13.42 $19.13 $24.8341 $12.55 $14.52 $20.78 $27.0442 $13.00 $15.77 $22.66 $29.54Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 8 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l15-Year Term Base PlanTobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00043 $13.66 $17.19 $24.78 $32.3844 $14.57 $18.77 $27.16 $35.5445 $15.76 $20.54 $29.81 $39.0846 $17.16 $22.52 $32.78 $43.0447 $18.70 $24.73 $36.09 $47.4648 $20.38 $27.17 $39.75 $52.3349 $22.20 $29.81 $43.72 $57.6350 $24.18 $32.65 $47.97 $63.2951 $26.33 $35.61 $52.41 $69.2152 $28.70 $38.67 $57.00 $75.3353 $31.30 $41.86 $61.78 $81.7154 $34.17 $45.21 $66.81 $88.4255 $37.30 $48.75 $72.12 $95.5056 $40.73 $52.52 $77.78 $103.0457 $44.44 $56.54 $83.81 $111.0858 $48.41 $60.81 $90.22 $119.6259 $52.58 $65.31 $96.97 $128.6260 $56.90 $69.96 $103.94 $137.9161 $38.30 $74.60 $110.90 $147.2162 $40.57 $79.15 $117.72 $156.2963 $42.84 $83.69 $124.53 $165.3764 $45.12 $88.23 $131.34 $174.4565 $47.46 $92.92 $138.37 $183.8366 $50.12 $98.23 $146.34 $194.4567 $53.32 $104.64 $155.97 $207.2968 $57.31 $112.62 $167.93 $223.2469 $62.32 $122.64 $182.96 $243.2870 $68.59 $135.18 $201.78 $268.37Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $5.39 $5.27 $6.91 $8.5417 $5.39 $5.27 $6.91 $8.5418 $5.39 $5.27 $6.91 $8.5419 $5.39 $5.27 $6.91 $8.5420 $5.39 $5.27 $6.91 $8.5421 $5.39 $5.27 $6.91 $8.54Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 9 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00022 $5.39 $5.27 $6.91 $8.5423 $5.39 $5.27 $6.91 $8.5424 $5.39 $5.27 $6.91 $8.5425 $5.39 $5.27 $6.91 $8.5426 $5.48 $5.27 $6.91 $8.5427 $5.59 $5.27 $6.91 $8.5428 $5.69 $5.27 $6.91 $8.5429 $5.79 $5.27 $6.91 $8.5430 $5.91 $5.27 $6.91 $8.5431 $6.04 $5.31 $6.97 $8.6332 $6.19 $5.40 $7.10 $8.7933 $6.34 $5.50 $7.25 $9.0034 $6.48 $5.63 $7.44 $9.2535 $6.62 $5.79 $7.69 $9.5936 $6.73 $6.02 $8.03 $10.0437 $6.85 $6.34 $8.50 $10.6738 $6.97 $6.73 $9.10 $11.4639 $7.12 $7.19 $9.78 $12.3840 $7.29 $7.71 $10.56 $13.4241 $7.51 $8.27 $11.41 $14.5442 $7.79 $8.88 $12.31 $15.7543 $8.15 $9.50 $13.25 $17.0044 $8.59 $10.17 $14.25 $18.3445 $9.11 $10.90 $15.35 $19.7946 $9.70 $11.71 $16.56 $21.4247 $10.37 $12.61 $17.91 $23.2148 $11.11 $13.59 $19.38 $25.1749 $11.93 $14.65 $20.97 $27.2950 $12.85 $15.79 $22.69 $29.5851 $13.89 $17.04 $24.56 $32.0852 $15.07 $18.40 $26.60 $34.7953 $16.42 $19.86 $28.78 $37.7154 $17.92 $21.44 $31.16 $40.8855 $19.57 $23.17 $33.75 $44.3356 $21.39 $25.11 $36.66 $48.2157 $23.38 $27.29 $39.94 $52.5858 $25.55 $29.79 $43.69 $57.5859 $27.94 $32.69 $48.03 $63.3860 $30.55 $36.00 $53.00 $70.00Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 10 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00061 $20.88 $39.75 $58.63 $77.5062 $22.98 $43.96 $64.94 $85.9263 $25.32 $48.65 $71.97 $95.2964 $27.92 $53.83 $79.75 $105.6765 $30.77 $59.54 $88.31 $117.08Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $9.64 $9.11 $12.66 $16.2117 $9.69 $9.11 $12.66 $16.2118 $9.74 $9.11 $12.66 $16.2119 $9.79 $9.11 $12.66 $16.2120 $9.85 $9.11 $12.66 $16.2121 $9.90 $9.11 $12.66 $16.2122 $9.95 $9.11 $12.66 $16.2123 $10.00 $9.11 $12.66 $16.2124 $10.05 $9.11 $12.66 $16.2125 $10.11 $9.11 $12.66 $16.2126 $10.16 $9.11 $12.66 $16.2127 $10.21 $9.11 $12.66 $16.2128 $10.26 $9.11 $12.66 $16.2129 $10.34 $9.11 $12.66 $16.2130 $10.44 $9.11 $12.66 $16.2131 $10.62 $9.21 $12.81 $16.4232 $10.88 $9.38 $13.06 $16.7533 $11.14 $9.61 $13.41 $17.2134 $11.40 $9.92 $13.88 $17.8435 $11.65 $10.31 $14.47 $18.6336 $11.87 $10.84 $15.25 $19.6737 $12.08 $11.50 $16.25 $21.0038 $12.29 $12.36 $17.53 $22.7139 $12.53 $13.44 $19.16 $24.8840 $12.84 $14.73 $21.10 $27.4641 $13.25 $16.17 $23.25 $30.3342 $13.84 $17.69 $25.53 $33.3843 $14.63 $19.27 $27.91 $36.5444 $15.64 $20.94 $30.41 $39.8845 $16.87 $22.73 $33.10 $43.4646 $18.28 $24.73 $36.09 $47.46Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 11 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanTobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00047 $19.89 $27.02 $39.53 $52.0448 $21.68 $29.69 $43.53 $57.3849 $23.65 $32.71 $48.06 $63.4250 $25.80 $35.96 $52.94 $69.9251 $28.15 $39.25 $57.88 $76.5052 $30.68 $42.58 $62.88 $83.1753 $33.40 $45.96 $67.94 $89.9254 $36.30 $49.42 $73.12 $96.8355 $39.42 $53.02 $78.53 $104.0456 $42.79 $56.81 $84.22 $111.6257 $46.49 $60.83 $90.25 $119.6658 $50.53 $65.10 $96.65 $128.2159 $54.92 $69.62 $103.44 $137.2560 $59.61 $74.42 $110.62 $146.8361 $40.73 $79.46 $118.19 $156.9162 $43.37 $84.73 $126.09 $167.4563 $46.10 $90.21 $134.31 $178.4164 $48.94 $95.87 $142.81 $189.7465 $51.84 $101.69 $151.53 $201.37Term Life (ITL5000) for TXApplicable to policy form ITL5000l30-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $5.43 $5.75 $7.63 $9.5017 $5.43 $5.75 $7.63 $9.5018 $5.43 $5.75 $7.63 $9.5019 $5.43 $5.75 $7.63 $9.5020 $5.43 $5.75 $7.63 $9.5021 $5.43 $5.75 $7.63 $9.5022 $5.43 $5.75 $7.63 $9.5023 $5.43 $5.75 $7.63 $9.5024 $5.43 $5.75 $7.63 $9.5025 $5.43 $5.75 $7.63 $9.5026 $5.52 $5.77 $7.66 $9.5427 $5.63 $5.79 $7.69 $9.5928 $5.73 $5.81 $7.72 $9.6329 $5.84 $5.86 $7.78 $9.7130 $5.95 $5.92 $7.88 $9.84Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 12 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l30-Year Term Base PlanNon-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00031 $6.10 $6.04 $8.06 $10.0932 $6.27 $6.23 $8.35 $10.4633 $6.48 $6.48 $8.72 $10.9634 $6.71 $6.81 $9.22 $11.6335 $6.94 $7.19 $9.78 $12.3836 $7.17 $7.63 $10.44 $13.2537 $7.40 $8.11 $11.16 $14.2138 $7.64 $8.63 $11.94 $15.2539 $7.91 $9.19 $12.78 $16.3840 $8.22 $9.81 $13.72 $17.6341 $8.59 $10.52 $14.78 $19.0442 $9.02 $11.31 $15.97 $20.6343 $9.54 $12.19 $17.28 $22.3844 $10.15 $13.15 $18.72 $24.2945 $10.85 $14.21 $20.31 $26.4246 $11.63 $15.36 $22.03 $28.7147 $12.48 $16.61 $23.91 $31.2148 $13.42 $17.94 $25.91 $33.8849 $14.44 $19.38 $28.06 $36.7550 $15.53 $20.92 $30.38 $39.83Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00016 $9.69 $9.65 $13.47 $17.2917 $9.74 $9.65 $13.47 $17.2918 $9.79 $9.65 $13.47 $17.2919 $9.85 $9.65 $13.47 $17.2920 $9.90 $9.65 $13.47 $17.2921 $9.95 $9.65 $13.47 $17.2922 $10.00 $9.65 $13.47 $17.2923 $10.05 $9.65 $13.47 $17.2924 $10.11 $9.65 $13.47 $17.2925 $10.16 $9.65 $13.47 $17.2926 $10.21 $9.65 $13.47 $17.2927 $10.26 $9.65 $13.47 $17.2928 $10.31 $9.67 $13.50 $17.3429 $10.39 $9.69 $13.53 $17.3830 $10.48 $9.75 $13.63 $17.5031 $10.67 $10.00 $14.00 $18.00Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 13 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Term Life (ITL5000) for TXApplicable to policy form ITL5000l30-Year Term Base PlanTobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00032 $10.96 $10.42 $14.63 $18.8433 $11.34 $11.04 $15.56 $20.0934 $11.75 $11.81 $16.72 $21.6335 $12.16 $12.67 $18.00 $23.3336 $12.56 $13.59 $19.38 $25.1737 $12.97 $14.56 $20.85 $27.1338 $13.39 $15.63 $22.44 $29.2539 $13.81 $16.79 $24.19 $31.5840 $14.29 $18.09 $26.13 $34.1741 $14.90 $19.54 $28.31 $37.0842 $15.69 $21.21 $30.81 $40.4243 $16.73 $23.11 $33.66 $44.2144 $18.05 $25.23 $36.84 $48.4645 $19.59 $27.58 $40.38 $53.1746 $21.22 $30.17 $44.25 $58.3347 $22.91 $32.98 $48.47 $63.9648 $24.63 $36.02 $53.03 $70.0449 $26.38 $39.27 $57.91 $76.5450 $28.15 $42.73 $63.09 $83.46Whole Life Plus (IWL5000) for TXApplicable 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-GPOlAdult Base Plan Paid-Up at Age 70Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00018 $11.54 $23.08 $34.63 $46.1719 $11.60 $23.19 $34.78 $46.3820 $11.66 $23.31 $34.97 $46.6321 $11.73 $23.46 $35.19 $46.9222 $11.82 $23.65 $35.47 $47.2923 $11.95 $23.90 $35.84 $47.7924 $12.12 $24.23 $36.34 $48.4625 $12.35 $24.69 $37.03 $49.3826 $12.66 $25.31 $37.97 $50.6327 $13.06 $26.13 $39.19 $52.25Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 14 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Whole Life Plus (IWL5000) for TXApplicable 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-GPOlAdult Base Plan Paid-Up at Age 70Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00028 $13.59 $27.17 $40.75 $54.3329 $14.21 $28.42 $42.63 $56.8330 $14.90 $29.79 $44.69 $59.5831 $15.62 $31.23 $46.84 $62.4632 $16.35 $32.69 $49.03 $65.3733 $17.10 $34.19 $51.28 $68.3734 $17.88 $35.75 $53.63 $71.5035 $18.70 $37.40 $56.09 $74.7936 $19.60 $39.19 $58.78 $78.3737 $20.59 $41.17 $61.75 $82.3338 $21.69 $43.38 $65.06 $86.7539 $22.90 $45.79 $68.69 $91.5840 $24.19 $48.38 $72.56 $96.7541 $25.55 $51.10 $76.66 $102.2142 $27.00 $54.00 $81.00 $108.0043 $28.54 $57.08 $85.62 $114.1644 $30.19 $60.38 $90.56 $120.7545 $31.97 $63.94 $95.90 $127.8746 $33.91 $67.81 $101.72 $135.6247 $36.02 $72.04 $108.06 $144.0848 $38.33 $76.67 $115.00 $153.3349 $40.86 $81.71 $122.56 $163.4150 $43.59 $87.19 $130.78 $174.37Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00018 $17.89 $35.77 $53.66 $71.5419 $18.42 $36.83 $55.25 $73.6720 $18.95 $37.90 $56.84 $75.7921 $19.48 $38.96 $58.44 $77.9222 $19.99 $39.98 $59.97 $79.9623 $20.46 $40.92 $61.38 $81.8324 $20.89 $41.77 $62.66 $83.5425 $21.27 $42.54 $63.81 $85.0826 $21.62 $43.23 $64.84 $86.46Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 15 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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Whole Life Plus (IWL5000) for TXApplicable 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-GPOlAdult Base Plan Paid-Up at Age 70Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00027 $21.93 $43.85 $65.78 $87.7128 $22.25 $44.50 $66.75 $89.0029 $22.60 $45.19 $67.78 $90.3730 $23.01 $46.02 $69.03 $92.0431 $23.56 $47.13 $70.69 $94.2532 $24.30 $48.60 $72.91 $97.2133 $25.22 $50.44 $75.66 $100.8734 $26.28 $52.56 $78.84 $105.1235 $27.42 $54.83 $82.25 $109.6636 $28.57 $57.15 $85.72 $114.2937 $29.76 $59.52 $89.28 $119.0438 $30.99 $61.98 $92.97 $123.9639 $32.29 $64.58 $96.87 $129.1640 $33.70 $67.40 $101.09 $134.7941 $35.28 $70.56 $105.84 $141.1242 $37.12 $74.23 $111.34 $148.4543 $39.24 $78.48 $117.72 $156.9544 $41.66 $83.31 $124.97 $166.6245 $44.30 $88.60 $132.90 $177.2046 $47.08 $94.17 $141.25 $188.3347 $49.96 $99.92 $149.87 $199.8348 $52.93 $105.85 $158.78 $211.7049 $55.99 $111.98 $167.96 $223.9550 $59.15 $118.29 $177.43 $236.58Important 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.© 2023 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.Natalie Teltow | natalie@colonialtx.com | (713) 206-8880Texas Litter Control Natalie Teltow(713) 206-8880(Continued...)Page 16 of 16Underwritten by Colonial Life & Accident Insurance CompanySee page 16 for Important Notice

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For more information, talk with your benefits counselor.Group Accident InsurancePreferred PlanColonialLife.comGAC4000 – PREFERRED PLANGroup accident insurance can help with medical or other costs associated with a covered accident or injury that your health insurance may not cover. With this coverage you may not need to use your savings or secure a loan to help pay those unexpected out-of-pocket expenses. Coverage options are available for you, your spouse and eligible dependent children. Benefits are per covered person per covered accident unless stated otherwiseAccident emergency treatment ................................................................................................$150 One visit per covered person per covered accident and Up to four visits per covered person per calendar yearAccident follow-up doctor visit ..................................................................................................$50Up to four visits per covered person per covered accident andUp to 16 visits per covered person per calendar yearAccidental death Accidental deathPer covered person Accidental death common carrier¾ Named insured .....................................................................$50,000 .................. $200,000¾ Spouse ...............................................................................$50,000 .................. $200,000¾ Dependent child(ren) .............................................................. $10,000 ....................$40,000Examples of common carriers are mass transit trains, buses and planesAccidental dismembermentLoss or loss of use¾ One hand, arm, foot, leg or sight of an eye ......................................................................... $9,000¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination ................................ $18,000¾ One finger or one toe ................................................................................................... $1,050¾ Two or more fingers; two or more toes; or any combination ................................................... $2,100Air ambulance .................................................................................................................. $1,500 Transportation to or from a hospital or medical facilityAmbulance (ground)..............................................................................................................$300 Transportation to or from a hospital or medical facilityAppliance aid in personal locomotion or mobility .........................................................................$100Walking boot, neck brace, back brace, leg brace, cane, crutches, walker and wheelchairBlood/plasma/platelets .........................................................................................................$400 Required during treatment of a covered accidentBurn¾ 2nd-degree burns (covering at least 36% of the body’s surface) ..................................................$1,000¾ 3rd-degree burns (based on size) ......................................................................... $2,000 – $15,000Burn–skin gra ...................................................................................50% of applicable burn benefitAs a result of 2nd-degree or 3rd-degree burns

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Catastrophic accidentTotal and irrecoverable loss or loss of use¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination; or¾ Loss of hearing in both ears or loss of ability to speak Subject to a 365-day elimination period; payable once per lifetime per covered person¾ Named insured ..................................................................................................................................................$50,000¾ Spouse ..................................................................................................................................................................$50,000 ¾ Dependent child(ren) .......................................................................................................................................$25,000Coma ...............................................................................................................$10,000Lasting for 14 or more consecutive daysConcussion ............................................................................................................ $375Dislocation (separated joint) Non-surgical Surgical¾ Hip ........................................................................................$3,000 $6,000¾ Knee (except patella) ..................................................................$1,500 $3,000¾ Ankle, bone or bones of the foot (other than toes) ...............................$1,200 $2,400¾ Collarbone (sternoclavicular) ..........................................................$800 $1,600¾ Collarbone (acromioclavicular and separation) ....................................$200 $400¾ Lower jaw ..................................................................................$720 $1,440¾ Shoulder (glenohumeral) ............................................................ $1,200 $2,400¾ Elbow ....................................................................................... $450 $900¾ Wrist ........................................................................................$600 $1,200¾ Bone(s) of the hand, (other than fingers) ............................................. $810 $1,620¾ Finger, toe ..................................................................................$200 $400¾ Incomplete dislocation or dislocation reduction.................................. 25% of the applicable without anesthesia non-surgical amountEmergency dental work ¾ Dental crown or denture ....................................................................................$300 ¾ Dental extraction .............................................................................................$100 Eye injury ..............................................................................................................$300 With surgical repair or removal of a foreign objectFracture (broken bone) Non-surgical Surgical¾ Skull, depressed fracture (except face/nose) ......................................$3,750 $7,500¾ Skull, simple non-depressed fracture (except face/nose) .......................$1,800 $3,600¾ Hip, thigh (femur) ......................................................................$3,150 $6,300¾ Body of vertebrae (excluding vertebral processes) ...............................$2,700 $5,400¾ Pelvis .....................................................................................$2,400 $4,800¾ Leg (tibia and/or fibula) ...............................................................$1,800 $3,600¾ Bones of the face or nose (except mandible or maxilla) ...........................$910 $1,820¾ Upper jaw, maxilla, upper arm between .......................................... $1,050 $2,100 elbow and shoulder¾ Lower jaw, mandible ................................................................. $1,200 $2,400¾ Kneecap, ankle, foot .................................................................. $1,200 $2,400¾ Shoulder blade, collarbone ......................................................... $1,200 $2,400¾ Vertebral processes ......................................................................$630 $1,260¾ Forearm, hand, wrist ................................................................. $1,200 $2,400¾ Rib ..........................................................................................$375 $750¾ Coccyx .....................................................................................$320 $640¾ Finger, toe .................................................................................$200 $400¾ Chip fracture .................................................25% of the applicable non-surgical amountAlex was cleaning out the gutters when he fell. ALEX’S BENEFITS Ambulance $300Emergency room visit $150X-ray $60Hospital admission $1,000Hospital confinement $750Leg fracture (surgical) $3,600Physical therapy $360Appliance (crutches) $100Doctor’s follow-up oice visit $150$6,470EMERGENCY ROOM VISITAlex was taken by ambulance to the nearest emergency room and received immediate care.The doctor ordered an X-ray and discovered Alex had fractured his leg.DIAGNOSTIC PROCEDUREOver the next several weeks, he had three follow-up appointments with his doctor.DOCTORʼS OFFICE VISITAlex had eight sessions of PT to help him regain the strength in his leg.PHYSICAL THERAPYAlex was admitted to the hospital for surgery on his leg. He was confined for three days.HOSPITAL CONFINEMENTFor illustrative purposes only.Benefit amounts may vary and may not cover all expenses. The certificate has exclusions and limitations.ALEXʼS OUT-OF-POCKET EXPENSESWhen Alex totaled up the bills, he had to pay his annual deductible, as well as co-payments for the ambulance, emergency room, hospital, surgery, physical therapy and follow-up visits. Luckily, Alex had accident coverage to help with these expenses.Alex used crutches.APPLIANCE FOR MOBILITY

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For more information, talk with your benefits counselor.GAC4000 – PREFERRED PLANHospital admission .............................................................................................................$1,000Per covered person per covered accidentHospital confinement .................................................................................................. $250 per dayUp to 365 days per covered person per covered accidentHospital intensive care unit admission .................................................................................... $1,750 Per covered person per covered accidentHospital intensive care unit confinement ........................................................................ $400 per day Up to 15 days per covered person per covered accident Knee cartilage (torn) ............................................................................................................. $750 Laceration (no repair, without stitches) ..........................................................................................$50 Laceration (repaired by stitches)¾ Total of all lacerations is less than two inches long ...................................................................$150¾ Total of all lacerations is at least two but less than six inches long ................................................. $300 ¾ Total of all lacerations is six inches or longer ...........................................................................$600 Lodging (companion) ..................................................................................................$200 per day Up to 30 days per covered person per covered accident Medical imaging study (CT, CAT scan, EEG, MR or MRI) .....................................................................$200 One benefit per covered person per covered accident per calendar yearOccupational or physical therapy ....................................................................................$45 per day Up to 10 days per covered person per covered accident Pain management for epidural anesthesia .................................................................................. $150 Prosthetic device/artificial limb One benefit per covered person per covered accident¾ One ....................................................................................................................... $1,250 ¾ More than one ........................................................................................................... $2,500 Rehabilitation unit confinement ....................................................................................$150 per day Immediately aer a period of hospital confinement due to a covered accident; up to 15 days per covered person per covered accident, not to exceed 30 days per covered person per calendar yearRuptured disc with surgical repair ............................................................................................$900 Surgery¾ Cranial, open abdominal and thoracic .............................................................................. $1,500 ¾ Hernia with surgical repair ...............................................................................................$300Surgery (exploratory and arthroscopic) ....................................................................................... $225Tendon/ligament/rotator cu¾ One with surgical repair .................................................................................................. $900 ¾ Two or more with surgical repair ..................................................................................... $1,800 Transportation for hospital confinement ...................................................................$600 per round tripUp to three round trips for more than 50 miles from home per covered person per covered accidentX-ray ...................................................................................................................................$60

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ColonialLife.com4-18 | 101862HEALTH 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 oered to employees who do not have HSAs.THIS CERTIFICATE PROVIDES LIMITED BENEFITS.EXCLUSIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of a covered personʼs felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Catastrophic Accident benefits for injuries a child received during birth, or for injuries that are the result of being intoxicated or under the influence of any narcotics.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 GACC1.0-P and certificate form GACC1.0-C (plus state abbreviations where applicable, such as GACC1.0-P-EE-TX and certificate form GACC1.0-C-EE-TX). Coverage may vary by state and may not be available in all states. Premium at the eective date will vary according to the family coverage type.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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For more information, talk with your benefits counselor.Group Hospital Confinement Indemnity InsurancePlan 2GROUP MEDICAL BRIDGE – PLAN 2The 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 certificate. Tier 1 outpatient surgical procedures  Breast– Axillary node dissection– Breast capsulotomy– Breast reconstruction– Lumpectomy  Cardiac– Pacemaker insertion  Digestive– Colonoscopy– Fistulotomy– Hemorrhoidectomy (external)– Lysis of adhesions  Skin– Laparoscopic hernia repair– Skin graing  Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy  Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions  Liver– Paracentesis  Musculoskeletal system– Carpal/cubital repair or release– Dislocation (closed reduction treatment) other than a finger or toe– Foot surgery (bunionectomy, exostectomy, arthroplasty, hammertoe repair)– Fracture (closed reduction treatment) other than a rib, finger or toe– Removal of orthopedic hardware– Removal of tendon lesionGroup Medical BridgeSM 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 benefit .......................................................$_______________ per dayMaximum of one day per covered person per calendar yearOutpatient surgical procedure benefit  Tier 1.......................................................................................$_______________ per day  Tier 2.......................................................................................$_______________ per dayMaximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure

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EXCLUSIONS We will not pay benefits for losses which are caused by: dental procedures, elective procedures, cosmetic surgery, felonies or illegal occupations, intoxicants or narcotics, pregnancy of a dependent child, psychiatric or psychological conditions, suicide, intentional injuries, war, armed forces service or giving birth within the first nine months aer the certificate eective date. We will not pay benefits for hospital confinement of 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, which means 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 certificate eective date.For cost and complete details, see your Colonial Life benefits counselor. Applicable to certificate number GMB1.0-C-EE-TX-R and GMB1.0-C-AU-TX-R. This is not an insurance contract and only the actual certificate provisions will control.ColonialLife.com©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 1-15 | 100025-2-TX  Breast– Breast reduction  Cardiac– Angioplasty– Cardiac catheterization  Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy  Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– Tympanoplasty– Tympanotomy  Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy Tier 2 outpatient surgical procedures  Gynecological– 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

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For more information, talk with your benefits counselor.Group Critical Illness InsurancePlan 2 FullColonialLife.comIf you’re diagnosed with a covered critical illness or cancer, group 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.*The policy name is Critical Illness and Cancer Group Specified Disease Insurance.For the diagnosis of this covered critical illness condition:1This percentage of the face amount is payable:Heart attack (myocardial infarction) 100%Stroke 100%End-stage renal (kidney) failure 100%Major organ failure 100%Coma 100%Permanent paralysis due to a covered accident 100%Blindness 100%Occupational infectious HIV or occupational infectious hepatitis B, C or D 100%Coronary artery bypass gra surgery/disease225%GROUP CRITICAL CARE PLAN 2 FULLFace amount: $_______________ Critical illness benefitSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with a dierent critical illness, the original percentage of the face amount is payable for that particular critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass gra surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.

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ColonialLife.comCovered cancer benefitsFor this condition:1The amount payable is:Diagnosis of cancer (internal or invasive) 100% of the face amountDiagnosis of carcinoma in situ 25% of the face amountSkin cancer $500Diagnosis of cancer benefitCancer vaccine benefit: ............................................................................... $50This benefit is payable if you or your covered family members incur a charge for any FDA-approved cancer vaccine while your certificate is inforce.1 Please refer to the certificate for complete definitions of covered conditions. 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass gra surgery when health savings account (HSA) compliant plan is selected.3 Dates of diagnoses of a covered critical illness must be separated by at least 180 days.THIS POLICY PROVIDES LIMITED BENEFITS.Insureds in MA must be covered by comprehensive health insurance before applying for this coverage. EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESSWe will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.EXCLUSIONS AND LIMITATIONS FOR CANCER We will not pay the Diagnosis of Cancer Benefit, Diagnosis of Carcinoma in Situ Benefit, the Cancer Treatment and Care Benefit or the Skin Cancer Benefit for a covered person’s cancer (internal or invasive), carcinoma in situ or skin cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having cancer (internal or invasive), carcinoma in situ or skin cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while you are covered under the policy, and who are continuously covered from the date of birth or adoption. This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C (including state abbreviations where used, for example: GCC1.0-C-TX). The certificate or its provisions may vary or be unavailable in some states. Please see your Colonial Life benefits counselor for details.11-16 | 100361-1Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 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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For more information, talk with your benefits counselor.Group Critical Illness InsurancePlan 3 FullColonialLife.comIf you’re diagnosed with a covered critical illness, group 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.*The policy name is Critical Illness Group Specified Disease Insurance.For the diagnosis of this covered critical illness condition:1This percentage of the face amount is payable:Heart attack (myocardial infarction) 100%Stroke 100%End-stage renal (kidney) failure 100%Major organ failure 100%Coma 100%Permanent paralysis due to a covered accident 100%Blindness 100%Occupational infectious HIV or occupational infectioushepatitis B, C or D100%Coronary artery bypass gra surgery/disease225%GROUP CRITICAL CARE PLAN 3 FULLFace amount: $_______________ Critical illness benefitSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with a dierent critical illness, the original percentage of the face amount is payable for that particular critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass gra surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.

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ColonialLife.com1 Please refer to the certificate for complete definitions of covered conditions. 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass gra surgery when health savings account (HSA) compliant plan is selected.3 Dates of diagnoses of a covered critical illness must be separated by at least 180 days.THIS POLICY PROVIDES LIMITED BENEFITS.Insureds in MA must be covered by comprehensive health insurance before applying for this coverage.EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESSWe will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occursa as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C (including state abbreviations where used, for example: GCC1.0-C-TX). The certificate or its provisions may vary or be unavailable in some states. Please see your Colonial Life benefits counselor for details.11-16 | 100363-1Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 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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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 term life insurance do you need?Funeral expensesThe median cost of a funeral is $7,360.*Outstanding debts(including mortgage)Replacement incomeEducation fundAvailable assets (savings, investments, present amount of life insurance)Estimated amount of life insurance needed 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. 2-19 | 101895ColonialLife.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.*Includes viewing and burial.National Funeral Directors Association, Statistics, 2018. ++–+Optional ridersAt an additional cost, you can purchase the following riders for even more financial protection.=

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Whole Life Plus InsuranceYou can’t predict your family’s future, but you can be prepared for it.Give your family peace of mind and coverage for nal expenses with Whole Life Plus insurance from Colonial Life.BENEFITS AND FEATURESChoose the age when your premium payments end — Paid-Up at Age 70 or Paid-Up at Age 100Stand-alone spouse policy available even without buying a policy for yourselfAbility to keep the policy if you change jobs or retireBuilt-in terminal illness accelerated death benet that provides up to 75% of the policy’s death benet (up to $150,000) if you’re diagnosed with a terminal illness1Immediate $3,000 claim payment that can help your designated beneciary pay for funeral costs or other expensesProvides cash surrender value at age 100 (when the policy endows)ADDITIONAL COVERAGE OPTIONSSpouse term riderCover your spouse with a death benet up to $50,000, for 10 or 20 years.Juvenile Whole Life Plus policyPurchase a policy (Paid-Up at Age 70) while children are young and premiums are low — whether or not you buy a policy for yourself. You may also increase the coverage when the child is 18, 21 and 24 without proof of good health. Children’s term 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 rider may be added to either your policy or your spouse’s policy — not both.ADVANTAGES OF WHOLE LIFE PLUS INSURANCE• Permanent coverage that stays the same through the life of the policy• Premiums will not increase due to changes in health or age• Accumulates cash value based on a nonforfeiture interest rate of 3.75%2• Policy loans available, which can be used for emergencies• Benet for the beneciary that is typically tax-freeYour cost will vary based on the amount of coverage you select.WHOLE LIFE PLUS (IWL5000)

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ADDITIONAL COVERAGE OPTIONS (CONTINUED)Accidental death benet riderThe beneciary may receive an additional benet if the covered person dies as a result of an accident before age 70. The benet 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 benet riderIf a licensed health care practitioner certies that you have a chronic illness, you may receive an advance on all or a portion of the death benet, available in a one-time lump sum or monthly payments.1 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 benet period.Critical illness accelerated death benet riderIf you suffer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benet is payable.1 A subsequent diagnosis benet is included.Guaranteed purchase option riderThis rider allows you to purchase additional whole life coverage — without having to answer health questions — at three different points in the future. The rider may only be added if you are age 50 or younger when you purchase the policy. 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 benet 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.Benets worksheetFor use with your benets counselorHow much coverage do you need? 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 100 DEPENDENT STUDENT $ ____________________________ Select the option: Paid-Up at Age 70 Paid-Up at Age 100Select any optional riders: Spouse term rider $ _____________ face amount for _________-year term period Children’s term rider $ ______________ face amount Accidental death benet rider Chronic care accelerated death benet rider Critical illness accelerated death benet rider Guaranteed purchase option rider Waiver of premium benet riderTo learn more, talk with your benets counselor.ColonialLife.com1. Any payout would reduce the death benet. Benets may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benets. 2. Accessing the accumulated cash value reduces the death benet by the amount accessed, unless the loan is repaid. Cash value will be reduced by any outstanding loans against the policy.EXCLUSIONS AND LIMITATIONS: If the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benet. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you. 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 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. For cost and complete details of the coverage, call or write your Colonial Life benets counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2021 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 10-21 | 642298-1

Texas Litter Control Benefit Guide

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