The Ilhan Group Proposal : simplebooklet.com

The Ilhan GroupProtecting your employees against the unexpected, wherever they are.Life is full of unexpected moments. That’s why we’re committed to providing financial protection and personalized benefits to help employers be responsive to the different motivations, expectations and attitudes of each employee without adding to the bottom line.Selecting the right product mix, enrolling both core and voluntary benefits, communicating plan changes, or educating employees on their benefit options — we’re more than just a voluntary benefits provider.Since benefits are only as valuable as your employees’ understanding ofthem, communication and education is our top priority.With the right mix of people and technology, we empower people with knowledge and access.By modernizing your benefits delivery, we can provide a seamless transition from educating employees about their benefits options directly into choosing or purchasing options that best fit their needs and lifestyles.Our technology solutions work with any existing enrollment systems. This ensures quick and accurate data transfers that make benefits administration simpler for you.If you don’t have a system, we can provide our enrollment software, Harmony, that integrates with 30+ benefits administration systems at no cost to you.As benefit programs transition from strictly standardized to highly personalized, we can help.VoluntarybenefitsValued added programsFlexible enrollmentPersonalized supportFinancially StrongAgencyRatingAM BestA ExcellentMoody’sA2 GoodS&PA StrongFitchA-Ratings are given to the U.S. insuring subsidiaries of Unum Group and are current as of June 4, 2024.

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Financial protectionWhen life is anything but expectedEmployers are beginning to move beyond a one-size-ts-most approach to benets packages.By coupling core benet offerings with our voluntary insurance products, you can enhance your benets program while helping employees customize their options.Our suite of voluntary insurance products can often help ll the gap in medical insurance, providing more nancial security.Accident Insurance helps offset unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.Critical Illness Insurance can help supplement major medical coverage with a lump-sum benet that can be used to pay for the direct and indirect costs related to a covered critical illness.Dental Insurance provides coverage for a variety of dental procedures, from routine cleanings to major services. Additional savings are available by visiting a network dentist.Disability Insurance replaces a portion of an employee’s income to help make ends meet if he or she becomes disabled from a covered accident or sickness.Hospital Indemnity Insurance provides a lump-sum benet for a covered hospital connement or outpatient surgery to help with co-payments and deductibles.Life Insurance helps provide nancial security for the people who matter to your employees, with exibility to update coverage at each stage of life.Ask your benets representative about the additional voluntary insurance products we offer.Cancer Insurance helps offset the covered out-of-pocket medical and indirect, nonmedical expenses related to cancer.

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Group AccidentOur Group Accident (GAC4100) insurance is designed to help covered employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Indemnity lump sum benefits are payable directly to the employee based on the amount of coverage listed in the schedule of benefits, regardless of any other insurance the employee may have.Product Features• Situs state: In multi-state enrollments, employees will receive thesame benefit options and rates.• Composite rates: All eligible employees in an account have the samerate, regardless of risk class or age.• Guaranteed issue means no medical underwriting to qualify forcoverage.• Family coverage options: Employees can choose whether they wantindividual or family coverage.• Coverage options: employee; employee and spouse; employee anddependent child(ren); or employee, spouse and dependent child(ren)• Benefit amounts are the same for employee, spouse and dependentchildren, with the exception of accidental death benefits forchildren.• Portability: Included; an employee can take this coverage with themif they change jobs or leave the company while the master policy isin force.• Health Savings Account (HSA) compliant• Worldwide coverage: Included; coverage is available if a coveredperson is injured while traveling globally.Available PlansThis policy offers the following base Group Accident plan choices:• PremierOn/Off-Job Only Accident Coverage is available for the account based on employer choice.NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057

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NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057Accident Coverage BenefitsThe following benefits are payable once per covered person for each covered accident unless otherwise noted.PREMIERInjury Benefits2nd Degree Burns - At least 5%, but less than 20% of skin surface $7502nd Degree Burns - 20% or greater of skin surface $1,5003rd Degree Burns - Less than 5% of skin surface $3,0003rd Degree Burns - At least 5%, but less than 20% of skin surface $10,0003rd Degree Burns - 20% or greater of skin surface $21,000Concussion or Acquired Brain Injury $500Connective Tissue Damage - One Connective Tissue $100Connective Tissue Damage - Two or more Connective Tissues $200Eye Injury $400Hearing Loss InjuriesOnce per lifetime per year per Insured$120Injury due to Auto Accident $250Internal Injuries $200Knee Cartilage (Meniscus) Injury $200Lacerations - No Repair $75Lacerations - Repair: Less than 2 inches $150Lacerations - Repair: At least 2 inches but less than 6 inches $600Lacerations - Repair: 6 inches or greater $1,200Loss of a Digit – Partial - Partial Dismemberment of one finger or toe $400Loss of a Digit – Partial - Partial Dismemberment of two or more fingers or toes $800Loss of a Digit - One Digit (except a Thumb or Big Toe) $1,000Loss of a Digit - One Digit (a Thumb or Big Toe) $1,500Loss of a Digit - Two or more Digits $3,000Ruptured or Herniated Disc - One Disc $200Ruptured or Herniated Disc - Two or more Discs $400Fractures and Dislocation BenefitsMaximum of two times the combined total amount for the bone with the highest benefit amount across Fractures and Dislocation and corresponding Surgical Repair benefits.Fractures - Ankle (including malleus and lower tibia or fibula) $1,200Fractures - Bones of the Face or Nose (except mandible or maxilla) $1,295Fractures - Coccyx, Sacrum $420Fractures - Collarbone (clavicle, sternum) $1,200Fractures - Finger $200Fractures - Foot or Heel (except toes) $1,200Fractures - Forearm (radius or ulna) $1,200

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NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057PREMIERFractures - Hand (except fingers) $1,200Fractures - Hip $4,200Fractures - Kneecap (patella) $1,200Fractures - Leg (mid to upper tibia and/or fibula) $2,400Fractures - Lower Jaw, mandible (except alveolar process) $1,200Fractures - Pelvis (includes ilium, ischium, pubis, acetabulum except coccyx) $3,225Fractures - Rib $500Fractures - Shoulder Blade (scapula) $1,200Fractures - Skull, Depressed Skull fracture (except bones of face or nose) $5,000Fractures - Skull, Non-depressed Skull fracture (except bones of face or nose) $2,400Fractures - Thigh (femur) $4,200Fractures - Toe $200Fractures - Upper Arm between Elbow and Shoulder (humerus) $1,400Fractures - Upper Jaw, maxilla (except alveolar process) $1,400Fractures - Vertebrae, body of (except vertebral processes) $3,600Fractures - Vertebral Processes $810Fractures - Wrist (except fingers) $1,200Fractures - Chip fracturePayable as a % of the applicable Fractures benefit25%Dislocations - Ankle $1,600Dislocations - Bone or Bones of the Foot (except toes) $1,600Dislocations - Bone or Bones of the Hand (except fingers) $1,050Dislocations - Collarbone (acromioclavicular and separation) $280Dislocations - Collarbone (sternoclavicular) $1,100Dislocations - Elbow $600Dislocations - Finger $260Dislocations - Hip $4,000Dislocations - Knee (except patella) $2,000Dislocations - Lower Jaw $990Dislocations - Shoulder (glenohumeral) $1,200Dislocations - Toe $260Dislocations - Wrist $750Dislocations - Incomplete dislocationPayable as a % of the applicable Dislocations benefit25%Treatment BenefitsAir Ambulance $2,000Ambulance (Ground or Water) $400Durable Medical Equipment - Tier 1 $65

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NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057PREMIERDurable Medical Equipment - Tier 2 $125Durable Medical Equipment - Tier 3 $250Emergency Dental Repair - Dental Crown, Denture or Implant $600Emergency Dental Repair - Dental Extraction, Filling or Chip Repair $200Emergency Department(Calendar Year Maximum)$250 4Family CareOne benefit per day for all Insureds combined, regardless of the number of Children, up to a maximum ofthree days per Covered Accident$50Injections to Prevent or Limit Infection $50Lodging30 days per Covered Accident$250Medical Imaging $400Pain Management Injections $150Pet BoardingOne benefit per day for all Insureds combined, regardless of the number of pets, up to a maximum of threedays per Covered Accident$20Prosthetic Device or Artificial Limb - One Device or Limb $1,750Prosthetic Device or Artificial Limb - Two or more Devices or Limbs $3,500Skin Grafts - Due to BurnsPayable as a % of the applicable Burn benefit50%Skin Grafts - Not due to Burns - Less than 20% of skin surface $375Skin Grafts - Not due to Burns - 20% or greater of skin surface $750Transfusions $500Transportation $200Treatment in a Physician’s Office or Urgent Care Facility(Calendar Year Maxium)$150 4X-Rays or Ultrasound $60Surgery BenefitsAnesthesia - Epidural or Regional Anesthesia $150Anesthesia - General Anesthesia $300Connective Tissue - Exploratory without Repair $150Connective Tissue - Repair for One Connective Tissue $1,100Connective Tissue - Repair for Two or more Connective Tissues $2,200Eye Surgery $400Surgical Repair - DislocationsPayable as a % of the applicable Injury benefit$100%Surgical Repair - FracturesPayable as a % of the applicable Injury benefit$100%General Surgery - Abdominal, Thoracic, or Cranial $2,000

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NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057PREMIERGeneral Surgery - Exploratory $275Hernia Surgery $400Knee Cartilage (Meniscus) Surgery - Exploratory without Repair $150Knee Cartilage (Meniscus) Surgery - Knee Cartilage (Meniscus) with Repair $1,050Outpatient Surgical Facility $400Ruptured or Herniated Disc Surgery - Exploratory without Repair $150Ruptured or Herniated Disc Surgery - Repair for One Disc $1,000Ruptured or Herniated Disc Surgery - Repair for Two or more Discs $2,000Recovery Care BenefitAt-Home CareFive days per Covered Accident$125Physician Follow-Up Visits (Max Per Covered Accident) (Max Per Calendar Year)$50 424Rehabilitation or Sub-Acute Rehabilitation Unit Confinement15 days per Covered Accident$200Therapy Services(Speech, Physical Therapy, Occupational, Respiratory, and Vestibular Therapy)Additional Therapy Services included in the base plan: Cognitive Communication Therapy; Cognitive Rehabilitation Therapy; Community Reintegration Services; Neurobehavioral; Neurocognitive Therapy and Rehabilitation; Neurofeedback Therapy; Neurophysiological; Neuropsychological; Post-acute Transition Services; Psychophysiological Testing or Treatment; and Remediation.15 days per Covered Accident$55Additional BenefitsBenefit Booster$5,000 in Payable Claims$500

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NS-2006057FOR BROKERS AND EMPLOYERS 5-24 | NS-2006057Eligibility Requirements• Issue ages are 17+ for both employee and spouse• Dependent children (as defined in the certificate)• Full-time, permanent employees actively working at least15 hours per week• The employee must be actively at work at the time ofenrollment.Participation RequirementThe greater of 5 enrolled lives or 10% of eligible employees.What is Not CoveredAccident plans will not provide benefits for a claim that is caused by, contributed to by or resulting from any of the following:• Elective procedures• Felonies or illegal occupations• Hazardous avocations• Impaired driving• Incarceration• Racing• Semi-professional or professional sports• Sickness• Suicide or self-inflicted injuries• War or armed conflictThe definition of hospital does not include certain facilities.Underwriting Guidelines• All coverage is guaranteed issue which means no medicalunderwriting to qualify for coverage.• Available during all open enrollments and for new hiresduring the new hire eligibility period.Additional Plan InformationEnd of Employee CoverageCoverage under this certificate ends on the earliest of:• the date the policy is cancelled by us or the Policyholder;• the date the employee is no longer in an eligible group;• the date the employee’s eligible group is no longercovered;• the date of the employee’s death; or• the last day of the grace period.However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of yourCoverage During Extended Absences provision or if you elect to continue coverage for you, your spouse, and your children under Portability.Premium InformationPremium will vary based on the coverage selected.

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Group Critical Illness and Group CancerColonial Life Group Critical Illness and Cancer Specified Disease (GCI6000) insurance helps your employees and their families maintain financial security during the lengthy, expensive recovery period after an illness has been diagnosed. It provides a lump-sum benefit to help with out-of-pocket medical costs or everyday expenses.There are also options to include coverage for cancer treatment, heart procedures, infectious diseases and progressive diseases, such as Alzheimer’s disease.Coverage is available to: Named Insured (Employee); Named Insured and Spouse; Name Insured and Dependent Children (One-Parent Family); and Named Insured, Spouse and Dependent Children (Two- Parent Family).BenefitsAs the employer, you will make several choices to tailor the plan design for your employees.Plan DesignYou may choose to offer the following plan designs to your employees.• Plan 2 - Critical Illness + CancerPLAN 2Critical Illness with Benefit Payable Upon Subsequent Diagnosisof a Critical Illness•Cancer with Reoccurrence of Invasive Cancer (Including all Breast Cancer)•Cancer BenefitsRate StructureYou may choose either an issue or attained age rate structure and onlyone rate structure may be selected.Features• Option to combine cancer and criticalillness coverage into a single policy• Benefits are payable in addition toother insurance your employees mayhave with other insurance companies• Benefits are payable directly tothe employee unless they specifyotherwise• Benefits are payable multiple timesfor the same or different coveredconditions• Benefits may be used however thecovered person chooses.Typical uses include:‐ Out-of-pocket medical costs‐ Home health care‐ Recovery and rehabilitation‐ Daily living expenses‐ Travel expenses to and fromtreatment centers• No medical underwriting to qualify forcoverage for all employees and theirfamilies with participation• All plans are Health Savings Account(HSA)-compliant• Rates are guaranteed for one year• Coverage is portable. Employeescan continue their coverage if theychange jobs or retire.NS-1612850FOR BROKERS AND EMPLOYERS 7-23 | NS-1612850

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NS-1612850FOR BROKERS AND EMPLOYERS 7-23 | NS-1612850Critical Illness BenefitCRITICAL ILLNESSPERCENTAGE OF APPLICABLE FACE AMOUNTPlan 2 • Benign Brain Tumor• Coma• End Stage Renal (Kidney) Failure• Heart Attack (Myocardial Infarction)• Loss of Hearing• Loss of Sight• Loss of Speech• Major Organ Failure Requiring Transplant• Occupational Infectious HIV or Occupational Infectious Hepatitis B, C, or D• Stroke• Sudden Cardiac Arrest100%Coronary Artery Disease 25%Benefit Payable Upon Subsequent Diagnosis of a Critical Illness - Allows the covered person to use the coverage more than once.The plan includes coverage for subsequent diagnosis of a different critical illness.• If the covered person receives a benefit for a critical illness, and is later diagnosed with a different critical illness, we maypay 100% of the applicable face amount for the critical illness diagnosed.The plan includes coverage for subsequent diagnosis of the same critical illness.• If the covered person receives a benefit for a critical illness and is later diagnosed with the same critical illness (exceptthose listed below), we may pay 25% of the applicable face amount. Critical illnesses that do not qualify include:‐ Coronary Artery Disease;‐ Loss of Hearing;‐ Loss of Sight;‐ Loss of Speech; and‐ Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D.Dates of diagnoses of covered critical illnesses must be separated by more than 180 days. There is no maximum benefit amount under the Benefit Payable Upon Subsequent Diagnosis of Critical Illness.

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NS-1612850FOR BROKERS AND EMPLOYERS 7-23 | NS-1612850DIAGNOSIS WE MAY PAY:Invasive Cancer (Including all Breast Cancer) 100% of face amountNon-Invasive Cancer 25% of the Face Amount per covered person per lifetime.Skin Cancer Initial Diagnosis $400 per lifetimeDiagnosis of Cancer BenefitsThe plan includes Reoccurrence of Invasive Cancer (Including all Breast Cancer)• If a covered person has been diagnosed with and received a benefit for Invasive Cancer (Including all Breast Cancer) and isdiagnosed with a reoccurrence of invasive cancer, we may pay an amount equal to 25% of the initial benefit amount for theinvasive cancer diagnosed if the covered person is treatment free for at least 12 months and in complete remission priorto the date of reoccurrence.The Benefit Payable Upon Reoccurrence of Invasive Cancer (Including all Breast Cancer) is not payable for non-invasive orskin cancer.Wellbeing Assistance BenefitYou may choose to include this benefit with any plans. If included, you select a benefit amount of $50, $75, or $100.THE COVERED TESTS INCLUDE:• Blood test for triglycerides• Bone marrow testing• BRCA1 or BRCA2 testing• Breast ultrasound• Carotid Doppler• CA 15-3• CA 125• CEA• Chest x-ray• Colonoscopy• Electrocardiogram (EKG, ECG)• Echocardiogram (ECHO)• Fasting blood glucose• Fasting blood glucose• Flexible sigmoidoscopy• Hemoccult stool analysis• Mammography• Pap smear• PSA• Serum protein electrophoresis• Serum cholesterol test for HDL and LDL• Skin cancer biopsy• Stress test on a bicycle or treadmill• Thermography• Thin Prep pap test• Virtual colonoscopyThis benefit is payable once per covered person per calendar year. There is a 30-day waiting period before the benefit is payable. The test must be performed after the waiting period.

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Group Hospital IndemnityColonial Life’s Group Hospital Indemnity Insurance, Group Medical Bridge (GMB7000), offers a customizable and flexible plan design that will help supplement your major medical plan offering. This coverage provides benefits that your employees can use to offset deductibles, co-pays, and out-of-pocket medical and non-medical expenses related to covered events that cause financial exposure, such as hospital confinement. This plan is a Health Savings Account (HSA)-compliant plan that may also be offered to employees who do not have an HSA.Plan Design at-a-GlancePLAN 1Hospital Confinement •Waiver of Premium •Several plan design and benefit options are available for the employer to customize the employee’s plan offering.• The employer will select the plan design(s) and optional benefits to be offered.Two different plan design options allow for the needs of each account to be met.Both plan designs may be offered in an account.• The employer will select a maximum of two hospital confinement levels per plandesign. The hospital confinement benefit levels cannot be separated by morethan $1,500. The separation of $1,500 does apply across plans.• The employer will choose whether to include the employer optional benefitswith benefit amounts selected by the employer.Product Features• Coverage is offered withno medical underwritingto qualify for coverageat initial enrollment.Benefits may be subjectto a pre-existingcondition limitation andminimal participationrequirements.• Pre-existing conditionlimitation may be waivedfor all covered insuredsif certain accountparticipation is met.• Premiums can beemployer or employeepaid. Premium discountsmay be available for 100%employer paid accounts.• In multi-stateenrollments, situs staterules apply.• Benefits are paidregardless of any otherinsurance the insuredmay have with anothercompany.• Benefits are indemnitybased and are paid as alump-sum.• Benefits are paid directlyto the named insured,unless an assignment ofbenefits is received.NS-1657358FOR BROKERS AND EMPLOYERS 9-23 | NS-1657358

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NS-1657358FOR BROKERS AND EMPLOYERS 9-23 | NS-1657358Plan 1 BenefitsHospital Confinement: The Hospital Confinement benefit level(s) selected below by the employer is payable once per day with a maximum of one day per covered person per calendar year. The hospital confinement benefit levels cannot be separated by more than $1,500. (For example, $1,000 and $2,000 are acceptable; $1,000 and $3,000 are not.)Level 2: $1000 Level 4: $2000• State Government, Federal Government, Local Government and Healthcare accounts are eligible for Hospital ConfinementLevels 1-3 ($500-$1,500) only.• Education accounts are eligible for Hospital Confinement Levels 1-5 ($500-$2,500) only.Waiver of Premium: After 30 continuous days of a covered confinement of the named insured, the Waiver of Premium benefit is available. This benefit waives the premium for the entire certificate as long as the named insured is continuously confined, or up to 12 months, whichever occurs first.Employee Eligibility Requirements• Minimum issue age is 17 for both the named insured and spouse. No maximum age.• The named insured must be actively at work at the time of application and working 15 or more hours per week.• Children younger than the age of 26 are considered eligible dependent children.• This coverage is available only at the initial product enrollment, to new hires enrolling within their new hire enrollmentperiod, or to current employees during the annual open enrollment period (if participation was met at the initial enrollment).Underwriting Options AvailableNo medical underwriting to qualify for coverage + Pre-existing Condition Limitation Included• No medical underwriting to qualify for coverage for all covered insureds – no health questions• Subject to the pre-existing condition limitation• Participation requirements are provided in the table belowNo medical underwriting to qualify for coverage + Pre-existing Condition Limitation Waived• No medical underwriting to qualify for coverage for the named insured only or all covered insureds – no health questions• Pre-existing condition limitation waived for the named insured or all covered insureds• Participation requirements are provided in the table belowPremium Information• Age-banded, composite, and discounted composite rates are available (see requirements below).• There is a four-tier rate structure: Named Insured Only; Named Insured and Spouse; Named Insured and DependentChildren; and Named Insured, Spouse and Dependent Children Coverage.• Rates are guaranteed for two years from the date of issue of the group policy.DefinitionsPre-existing Condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. Pre-existing condition does not include a condition revealed on the application unless excluded by a signed waiver rider. A pre-existing condition only applies to the following benefits, if included: Hospital Confinement.After the certificate has been in force for 12 months from the coverage effective date, we will pay benefits for any loss as a result of a pre-existing condition not excluded by name or specific description if the covered loss began 12 months after the coverage effective date.

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Whole Life InsuranceNS-1905127FOR BROKERS AND EMPLOYERS 2-24 | NS-1905127Colonial Life Whole Life Plus insurance is individually owned, with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit*. Coverage is permanent and is guaranteed for the life of the policy (to age 100), provided premiums are paid when due.ADULT BASE PLAN BENEFITSPlan Option(s)Available for employee and full-time dependent students ages 18-26• Paid-Up at Age 70 PlanThe policy is paid-up at the original face amount when the insured reaches age 70, with no additionalpremiums due.Death Benefit $5,000 to $500,000Advance Claims PaymentWe may advance $3,000 of the death benefit upon receipt of an Immediate Advance Payment Claim form from the beneficiary; the remainder of the claim will be processed and the balance provided to the designated beneficiaryTerminal Illness Accelerated Death Benefit• If the insured is diagnosed with a terminal illness and has a life expectancy of 12 months or less, thepolicyowner can request up to 75 percent of the death benefit, to a maximum of $150,000• A $200 one time administrative fee will be chargedEndows The policy endows at age 100Nonforfeiture Interest RateThe policy accumulates cash value based on a nonforfeiture interest rate of 3.75% and the 2017 CSO mortality table.Surrender Options• Cash Surrender – the policyowner can give up ownership of the policy in exchange for all of the policy’saccumulated cash value• Extended Term Insurance Option – the policyowner can use the accumulated net cash surrender value as a net single premium to purchase term life insurance• Reduced Paid-Up Life Insurance Option – the policyowner can use the accumulated net cash surrendervalue as a net single premium to purchase a smaller amount of fully paid-up life insuranceJUVENILE PLAN BENEFITS (SAME AS THE ADULT PLAN, WITH THESE DIFFERENCES)Coverage• Employees do not have to purchase coverage on themselves to purchase policies for their children orgrandchildren• Uni-tobacco rates for ages 0-17Plan DesignPaid-Up at Age 70 Plan: The policy is paid-up at the original face amount when the insured reaches age 70,with no additional premiums dueDeath Benefit• Minimum death benefit of $10,000• Maximum death benefit of $500,000Built-in Guaranteed Purchase Option• Allows the policyowner the right to purchase additional amounts of insurance without providing evidence ofinsurability• The option may be exercised at ages 18, 21, and 24• Additional amounts of insurance of the same plan may be purchased on each option date up to the initialface amount of the policy; the total amount for the exercised options cannot exceed $100,000

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NS-1905127FOR BROKERS AND EMPLOYERS 2-24 | NS-1905127Features• Individual Whole Life Plus insurance provides cash valueprotection with guarantees to individuals in the payrolldeduction market• Guaranteed level premiums, guaranteed cash value and aguaranteed death benefit*• Tax-free benefits are provided to the beneficiary,regardless of other life insurance and Social Security• Family Coverage – available through a separate policy orterm rider for the spouse and a separate policy or termrider for the dependent children• $3,000 immediate advance claims payment providesimmediate funds to the designated beneficiary• Automatic Premium Loan – Colonial Life will lend thepolicyowner the amount needed to pay an overduepremium provided the cash surrender value is greatenough to pay the premiums plus interest• $250 minimum loan available• Insured can keep the policy if that person changes jobs orretiresOptional RidersPolicyowners may select to enhance their Whole Life Pluspolicy by adding optional rider(s) at an additional premium.Spouse Term RiderSelect 10-year Spouse Term Rider• Provides a level death benefit for the designated year termperiod with guaranteed level premiums• No spouse signature required• Face amounts: $5,000 - $50,000• Rates are level, uni-tobacco and unisex• May not exceed face amount of base plan• May convert to a cash value life policy if the base policyterminates, the rider terminates, or the insured andspouse legally divorce• May be added to an employee base policy• Can be added after purchase of the base planChildren’s Term Rider• One premium provides level term coverage for all eligibledependent children of the primary insured• Face amounts: $1,000 - $20,000, in $1,000 increments• No medical underwriting to qualify for coverage• Coverage is convertible without evidence of insurabilityto a cash value life insurance plan for up to five times therider’s face amount, not to exceed $50,000• If the main insured dies before the child is age 25, paid-upinsurance will be provided for each child until the child’s25th birthday• Can be added to either the employee or spouse policy, butnot both• Can be added after the purchase of the base planEligibility RequirementsEmployee• Must be actively working on a full-time basis (20+hours per week) and actively at work on the date of theenrollment• Employed with present employer for at least 90 days• Paid-Up at Age 70 plan issue ages: 18-50Children’s Term Rider• Can be purchased on an employee or spouse policy, butnot both• On the day Colonial Life issues the rider, the insured childmust be: at least 14 days of age; Living with the insuredin a regular parent-child relationship and dependent onthem for support and maintenance; and under the age of19• Issue ages: dependent children, 14 days-18 years• Issue ages: employee, 18-65Participation Requirements• To offer this plan, we require only three eligible applicantsPremium InformationEmployee Policy• Level, unisex premiums• Employee and dependent student policies are tobaccodistinct• Dependent students ages 18-26 are issued an adult planJuvenile Policy• Level, unisex premiums• Juvenile policies issued up to age 17 are uni-tobacco

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Term LifeColonial Life’s Individual Term Life (TL5000) insurance plan offers life insurance protection where the benet is designed to remain the same through the life of the policy. At the end of the term period selected by the employee (10-, or 20-years), the policy may be continued on a yearly renewable basis, without proof of good health.The same benet amounts are available for employees and spouses. Benets The employee has the option to select the following plans depending on the applicant’s age and the term period selected.Base Plan Benets 10-year level term life: $10,000 - unlimited max, based on underwriting level20-year level term life: $10,000 - unlimited max, based on underwriting levelEach option provides the same benet payout throughout the duration of the policy.• Tobacco-distinct/unisex rates for face amounts up to $250,000.• Tobacco-distinct/gender-distinct rates for face amounts over $250,000.Level premiums that do not increase during the selected term and increase annually after the initial guaranteed period ends without proof of good health.• Full or partial conversion to a cash value life policy. • Employee can take the policy with them if they change jobs or retires.Features• Premium savings for face amounts over $250,000 based on health; payable only by bank draft.• Livings benets – options for the Chronic Care Accelerated Death Benet Rider and Critical Illness.• Accelerated Death Benet Rider give access to the death benet while the insured is still living.• Option to convert all or a portion of term benet amount to a cash value life policy (through age 75) without proof of good health.• Guaranteed renewable to age 95, as long as premiums are paid when due.Terminal Illness Accelerated Death Benet • Allows policyowner to receive an advance of up to 75 percent of policy’s face amount, not to exceed $150,000 if the insured is diagnosed with a terminal illness.• Minimum payout allowed is $7,500. FOR BROKERS AND EMPLOYERS 7-23 | NS-1446807NS-1446807

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Group Disability Colonial Life’s voluntary short-term disability insurance policy is a group plan that is sold via payroll deduction at the workplace. It insures your employee’s paycheck by replacing a portion of your employee’s income if he becomes disabled because of a covered accidental injury or covered sickness.Product Features• Guaranteed Issue – Available for up to $4,000 in monthly benefits for up to 60% of income.Additional monthly benefits up to $7,500 are available.• Rates guaranteed - for two years from the date of issue of the group policy.• Situs State - In multi-state enrollments, benefit options and rates for multi-state companiesare based on the state where the master application is signed.• Total disability and partial disability benefits - Partial disability pays 50% of the totaldisability benefit and for up to 3 months.• Optional Employer-Selected Benefits are available.• Renewability - This policy is optionally renewable.• No integration - There is no coordination of benefits at claim with other coverages. Benefitsare paid regardless of benefits received from other sources. For benefit amounts over $4,000per month, offsetting occurs during the application process.• Level premiums - Rates are based on issue age and are level, not step-rated.• Geographical Limitations (Worldwide Coverage) – Geographical Limitations provisionallows coverage for disabilities that occur outside the regularly covered geographical areas forup to 60 days.• Waiver of Premium - available after 90 consecutive days of a covered disability.• Benefits are paid directly to the insured unless they specify otherwise.• Coverage is portable - An employee may continue this coverage if he changes jobs or leavesyour company while the master policy is in force, with no evidence of insurability required.Available Plans This policy offers two base Group Disability plan choices:• Off-Job Accident / Off-Job Sickness Disability benefits• On/Off-Job Accident and On/Off-Job Sickness Disability benefitsThe employer also has the option of including:• First Day Hospital Benefit (Waiver of Elimination Period for First Day of HospitalConfinement Benefit.)• Psychiatric and Psychological Conditions Benefit (24 month lifetime maximum)Applicable to TX11/13. This information is only intended for proposal use with employers.PS01661Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 29210

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Disability Benefits As the employer, you can make several choices to tailor the plan design for your employees.Applicable to TX11/13. This information is only intended for proposal use with employers.PS01661Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 29210Plan Structure•Off-Job Accident / Off-Job Sickness•On/Off-Job Accident and On/Off-Job SicknessPlease note that the on-job benefit is 50% of the off job benefit.The employer may choose to offer the Off-Job plan, the On/Off-Job plan or both plans in the account.Monthly Benefit Amount$400 to $7,500 (offered in $100 increments)•Up to 60% of income for coverage amounts from $400 to $6,500.•Up to 40% of income for coverage amounts from $6,600 - $7,500.The employer may choose a lower maximum benefit amount and/or lower maximum income replacement.Benefit Periods•3 months•6 months•12 months•24 monthsThe employer can choose a maximum of two benefit periods.Elimination Periods0/7, 7/7, 7/14, 0/14, 14/14, 0/30, 30/30, 60/60, 90/90, and 180/180Choice of elimination periods based on benefit periods selected. The employer may consider limiting the number of elimination period choices to best fit needs and for ease of enrollment.Elimination period means a period of total disability during which no benefits are payable. The first number represents accident elimination period/the second number represents sickness elimination period.If $3,100 to $7,500 in monthly benefits is selected, a 3, 6, 12 or 24 month benefit period with a 14/14, 30/30, 60/60, 90/90 or 180/180 elimination period is available.

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Optional Employer-Selected BenefitsAs the employer, you can also include optional benefits to tailor the plan design for your employees. If one or both optional employer benefits are selected then all Group Disability certificates in the account will include the benefit(s).Waiver of Elimination Period for First Day of Hospital Confinement Benefit (First Day Hospital)This benefit waives the elimination period, or a portion of it, if the insured is hospitalized for acovered disability and he has an elimination period of 30 days or less.• Disability benefits will begin on the earlier of the first day of hospital confinement or the firstday after the elimination period.• Elimination periods of greater than 30 days may be offered in the account, but those plans willnot include this benefit.Psychiatric or Psychological Conditions Benefit (Mental and Nervous)This benefit pays the monthly disability benefits when an insured is disabled due to a psychiatric or psychological condition.• The Psychiatric or Psychological Conditions exclusion will be waived and is removed fromthe contract.• The 3 month plan will provide benefits up to 3 months per occurrence for Psychiatric orPsychological Conditions. The 6, 12 and 24 month plans can provide benefits up to 6 monthsper occurrence for Psychiatric or Psychological Conditions.• The lifetime cumulative maximum is 24 months of Psychiatric or Psychological Conditionsbenefits.Eligibility Requirements• Offered to all permanent, benefit-eligible employees age 17-74 who work at least 20 hours perweek on a regular basis. Employer may select a different minimum number of hours workedrequirement (requires underwriting approval).• The employee must be actively at work at the time of application.• Seasonal and temporary employees are not eligible. Spouses and children are not eligible.Participation RequirementsTo offer this plan, we require a minimum of 10 enrolled eligible employees. Certain underwriting levels have separate participation requirements. Accounts with more than 1,000 employees will require underwriting approval.Premium Information• Issue age-banded, one risk class and unisex. Age bands of 17-49, 50-64 and 65-74.• Premiums are based on the account’s industry risk classification and optional employerbenefits.• Premiums rates are based on issue age and are level, not step-rated.• Rates guaranteed for two years from the date of issue of the group policy.Applicable to TX11/13. This information is only intended for proposal use with employers.PS01661Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 29210

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Definitions Total Disability: means you are unable to perform the material and substantial duties of your regular occupation; not, in fact, working at any occupation; and under the regular and appropriate care of a doctor.Partial Disability: means you are unable to perform the material and substantial duties of your regular occupation for more than half of the normally scheduled hours per week; you are able to work at your occupation or any other occupation for no more than half of normally scheduled hours per week; your employer will allow you to work for no more than half of your normally scheduled hours per week; and you are under the regular and appropriate care of a doctor. To qualify for partial disability, total disability benefit must have been paid for 14 days immediately prior to being partially disabled. Partial disability pays 50% of the total disability benefit and for up to 3 months.Waiver of Premium Benefit: After you have been totally disabled or qualify for partial disability benefits as the result of a covered accident or covered sickness for more than 90 consecutive days (while the certificate is in force), or after the elimination period shown in your certificate schedule (whichever is greater), we will waive the premium for as long as you remain disabled. The premium will be waived up to the maximum benefit period shown in your certificate schedule.You must pay all premiums to keep the certificate and any attached riders in force until you have been totally disabled or qualify for partial disability benefits for 90 consecutive days while the certificate is in force, or for the elimination period shown on the certificate schedule, whichever is greater.There is no limit to the number of times you can receive the Waiver of Premium benefit. This Waiver of Premium benefit does not apply to any period that you are totally or partially disabled due to an accident or sickness which is excluded by name or specific description in the certificate.Geographical Limitations (Worldwide Coverage): If you become totally disabled as the result of a covered accident or a covered sickness while outside the covered geographical areas, the Geographical Limitations provision may allow us to provide benefits. You must be totally disabled longer than the elimination period, and the maximum benefit period for total disability and partial disability combined while outside the covered geographical areas will be limited to 60 days. Covered geographical areas are less than 40 miles outside the territorial limits of the United States, Canada, Mexico, Puerto Rico, the Bahama Islands, the Virgin Islands, Bermuda, or Jamaica. After the 60 day period, benefits will not be paid until you return to the covered geographical areas.Applicable to TX11/13. This information is only intended for proposal use with employers.PS01661Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 29210

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What is Not Covered Pre-existing Condition: means a sickness or physical condition, whether diagnosed or not, for which you were treated, had medical testing, received medical advice, or had taken medication within 12 months before the coverage effective date. If the insured becomes disabled because of a pre-existing condition, we will not pay for any disability period if it begins during the pre-existing condition limitation period shown on the certificate schedule. Any recurrent disability caused by a pre-existing condition will not be covered if it is treated as a continuation of the previous disability.General Exclusions and Limitations:Applicable to TX11/13. This information is only intended for proposal use with employers.PS01661Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 29210• Alcoholism or Drug Addiction• Felonies or Illegal Occupations• Flying• Giving Birth: Giving birth within thefirst nine months after the coverageeffective date of the certificate as theresult of a normal pregnancy, includingCesarean. Complications of pregnancywill be covered to the same extent as anyother covered sickness.• Hazardous Avocations• Intoxicants and Narcotics• Pre-Existing Conditions• Psychiatric or Psychological Conditions(If employer optional benefit is selected,this exclusion will be removed.)• Racing• Semi-professional or Professional Sports• Suicide or Injuries Which YouIntentionally Do to Yourself• War or Armed ConflictThe above list does not include a complete description of each limitation and exclusion. To obtain a complete description of benefits, limitations and exclusions, please refer to a sample policy, certificate or see your Colonial Life benefit counselor. This information is only intended for proposal use with employers.

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Whole LifeColonial Life’s Whole Life insurance plan is individually owned, with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit. Coverage is permanent and is guaranteed for the life of the policy (to age 100), provided premiums are paid when due.Adult Base Plan BenefitsApplicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292101PS02663Two Plan OptionsAvailable for employee, spouse, and full-time dependent students ages 18-26▪Paid-Up at Age 70 PlanThe policy is paid-up at the original face amount when the insured reachesage 70, with no additional premiums due▪ Paid-Up at Age 100 PlanThe policy is paid-up at the original face amount when the insured reachesage 100, with no additional premiums dueDeath Benefit$5,000 to $500,000Immediate Advance Claims PaymentHelps meet immediate needs with a payment of $3,000 to the designated beneficiary upon certification of the insured’s death; the remainder of the claim will be processed and the balance provided to the designated beneficiaryTerminal Illness Accelerated Death Benefit▪If the insured is diagnosed with a terminal illness and has a life expectancy of12 months or less, the policyowner can request up to 75 percent of the deathbenefit, to a maximum of $150,000▪A $200 one time administrative fee will be chargedEndowsThe policy endows at age 100Surrender Options▪Cash Surrender – the policyowner can give up ownership of the policy inexchange for all of the policy’s accumulated cash value▪Extended Term Insurance Option – the policyowner can use the accumulatednet cash surrender value as a net single premium to purchase term lifeinsurance▪Reduced Paid-Up Life Insurance Option – the policyowner can use theaccumulated net cash surrender value as a net single premium to purchase a smaller amount of fully paid-up life insurance

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Juvenile Plan BenefitsSame as the adult plan, with these differences:Applicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292102PS02663CoverageEmployees do not have to purchase coverage on themselves to purchase policies for their children or grandchildrenUni-tobacco rates for ages 0-17Plan DesignPaid-Up at Age 70 Plan: The policy is paid-up at the original face amount when the insured reaches age 70, with no additional premiums dueDeath Benefit▪Minimum death benefit of $10,000▪Maximum death benefit of $500,000Built-in Guaranteed Purchase Option▪Allows the policyowner the right to purchase additional amounts ofinsurance without providing evidence of insurability▪The option may be exercised at ages 18, 21, and 24▪Additional amounts of insurance of the same plan may be purchased on eachoption date up to the initial face amount of the policy; the total amount forthe exercised options cannot exceed $100,000Optional RidersPolicyowners may select to enhance their whole life policy by adding optional rider(s) at an additional premium.Spouse Term RidersChoice of 10-year or 20-year Spouse Term Riders• Provides a level death benefit for the designated 10- or 20-year term period with guaranteedlevel premiums• No spouse signature required• Face amounts: $5,000 - $50,000• Rates are level, uni-tobacco and unisex• May not exceed face amount of base plan• May convert to a cash value life policy if the base policy terminates, the rider terminates, orthe insured and spouse legally divorce• May be added to an employee base policy• Can be added after purchase of the base planChildren's Term Rider• One premium provides level term coverage for all eligible dependent children of the primaryinsured• Face amounts: $1,000 - $20,000, in $1,000 increments• Coverage is guaranteed issue (no health questions asked)• Coverage is convertible without evidence of insurability to a cash value life insurance plan forup to five times the rider's face amount, not to exceed $50,000• If the main insured dies before the child is age 25, paid-up insurance will be provided for eachchild until the child's 25th birthday• Can be added to either the employee or spouse policy, but not both• Can be added after the purchase of the base plan

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Accidental Death Benefit Rider• Benefit equal to the death benefit of the policy, not to exceed $150,000• Pays an additional death benefit if the primary insured dies as a result of an accidental bodilyinjury before age 70• Benefit amount doubles if the accidental bodily injury occurs while the insured is a fare-payingpassenger using public transportation, including taxis or ridesharing• An additional 25 percent of the accidental death benefit will be paid if the insured dies due toan accidental bodily injury sustained while driving or riding in a private passenger vehicle andwearing a seatbelt• Can be added to employee, spouse, dependent student or juvenile policies• Can be added after the purchase of the base planChronic Care Accelerated Death Benefit RiderAllows all or a portion of the death benefit to be advanced in monthly payments or a one time lump sum payment if the proposed insured has been certified with a chronic illnesswhile the rider is in force; no benefits are payable during the 90-day elimination period• Claim payments are:▪ Monthly, 6% of the death benefit; or▪ A one-time lump sum of 50% of the death benefit• Chronic illness means the insured requires substantial supervision due to a severe cognitiveimpairment or the inability to perform at least two of the Activities of Daily Living(bathing, continence, dressing, eating, toileting, and transferring) for a period of at least 90days• Premiums are waived during the benefit period• May be purchased on an employee or spouse policy• Can be added after the purchase of the base planCritical Illness Accelerated Death Benefit Rider• Advances $5,000 of the death benefit if diagnosed with a critical illness and the date ofdiagnosis is while the rider is in force• Maximum of one benefit for an initial diagnosis of:▪ Heart Attack (Myocardial Infarction)▪ Stroke▪ End Stage Renal (Kidney) Failure• A subsequent diagnosis benefit is included• May be purchased on an employee or spouse policy• Can be added after the purchase of the base planApplicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292103PS02663

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Guaranteed Purchase Option Rider• Provides the policyowner the right to buy additional insurance on the life of the insuredwithout providing evidence of insurability if the policy and rider are purchased before age 50• There are three option dates to purchase additional insurance; the second, fifth and eighthpolicy anniversary dates. A life event option can be exchanged for an anniversary option• Life event options are the date of the insured’s marriage, birth of a living child, adoption of a child or a legal divorce• Additional amounts of insurance of the same plan may be purchased on each option date up tothe initial face amount not to exceed a total combined maximum of $100,000 for all options• May be purchased on an employee, spouse or dependent student policy• Available only at purchase of base planWaiver of Premium Benefit Rider• Waives the total premium if the insured is totally disabled due to an accidental bodily injury orsickness before age 65• Must meet the elimination period of 6 months continuous total disability; Premiums paidduring this period will be refunded when the claim is approved• Terminates on the policy anniversary following the insured’s 65th birthday• Available on employee or spouse policies• Available only at purchase of base planFeatures• Individual whole life insurance plan that provides cash value protection with guarantees toindividuals in the payroll deduction market• Guaranteed level premiums, guaranteed cash value and a guaranteed death benefit• Tax-free benefits are paid to the beneficiary, regardless of other life insurance and Social Security• Family Coverage – available through a separate policy or term rider for the spouse and a separatepolicy or term rider for the dependent children• $3,000 immediate advance claims payment provides immediate funds to the designated beneficiary.• Automatic Premium Loan – Colonial Life will lend the policyowner the amount needed to pay anoverdue premium provided the cash surrender value is great enough to pay the premiums plusinterest• $250 minimum loan available; No minimum loan amount in FL• Portable Coverage – Insured can keep the policy if that person changes jobs or retiresEligibility Requirements Employee• Must be actively working on a full-time basis (20+ hours per week) and actively at work on the dateof the enrollment• Employed with present employer for at least 90 days• Paid-Up at Age 70 plan issue ages: 18-50• Paid-Up at Age 100 plan issue ages: 18-79Applicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292104PS02663

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Spouse• Must be actively working, or not disabled or unable to work, at the time of application• A spouse can apply for a policy even if the employee does not apply for a Whole Life policy• Spouse term rider only available on an employee policy• Must be the spouse of an employee as defined in the policy• Individual Policy▪ Paid-Up at Age 70 plan issue ages: 18-50▪ Paid-Up at Age 100 plan issue ages: 18-79• 10-Year Spouse Term Rider▪ Available with both the Paid-Up at Age 70 plan and Paid-Up at Age 100 plan▪ Issue Ages: 18-65• 20-Year Spouse Term Rider▪ Available with both the Paid-Up at Age 70 plan and Paid-Up at Age 100 plan▪ Issue Ages:18-50Dependent Child• Individual Policy▪ Issue ages, 0-17▪ Full-time dependent students ages 18-26 are issued adult plans and the tobacco question isrequired on the application• Children’s Term Rider▪ Can be purchased on an employee or spouse policy, but not both▪ On the day Colonial Life issues the rider, the insured child must be:▪ At least 14 days of age;Living with the insured in a regular parent-child relationship and dependent on them forsupport and maintenance; and▪ Under the age of 19▪ Issue ages: dependent children, 14 days-18 years▪ Issue ages: employee or spouse, 18-65Accidental Death Benefit Rider• Issue ages: employee, spouse or dependent student, 18-65• Issue ages: dependent child, 0-17Chronic Care Accelerated Death Benefit Rider• Employee and spouse issue ages same as the base plan• Two additional health questions are required to qualify for this riderCritical Illness Accelerated Death Benefit Rider• Employee and spouse issue ages same as the base planGuaranteed Purchase Option Rider• Issue ages: employee or spouse, 18-50• Issue ages: dependent student, 18-26Applicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292105PS02663

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Waiver of Premium Rider• Issue ages: 18-55 for employee and spouse policiesParticipation RequirementsTo offer this plan, we require only 3 eligible applicantsPremium Information Employee and Spouse Policy• Level, unisex premiums• Employee, spouse and dependent student policies are tobacco distinct• Dependent students ages 18-26 are issued an adult plan• Three rate bands based on age and face amount:Applicable to AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV. OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WYThis information is only intended for proposal use with employers.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.5/2019 Colonial Life & Accident Insurance Company 1200 Colonial Life Boulevard, Columbia, South Carolina 292106PS02663Band 1 Band 2 Band 3Issue AgesGuaranteed Issue Employee onlySimplified Issue Guaranteed Issue Employee onlySimplified Issue Level 1Full Underwriting3-49 lives 50+ lives All accounts All accounts18-50 $5,000-$25,000 $25,001-$49,999 $5,000-$49,999 $50,000-$150,000 $150,001-$500,00051-60 $5,000-$15,000 $15,001-$29,999 $5,000-$29,999 $30,000-$150,000 $150,001-$500,00061-79 $5,000-$8,000 $8,001-$14,999 $5,000-$14,999 $15,000-$150,000 $150,001-$500,000Juvenile Policy• Level, unisex premiums• Juvenile policies issued up to age 17 are uni-tobaccoWhat Is Not CoveredIf the insured commits 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 benefit. We will terminate this policy and return the premiums paid, minus any loans and loan interest.

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PRODUCT DISCLOSURESThis information is only intended for proposal use with employers. THIS INSURANCE PROVIDES LIMITED BENEFITS.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form GAC4100-P and certificate form GAC4100-C (including state abbreviations where used, for example: GAC4100-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company.GROUP CRITICAL ILLNESS AND GROUP CANCER (GCI6000)This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for critical illness insurance and cancer insurance.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form GCI6000-P-TX and certificate form GCI6000-C-TX. For cost and complete detailsof coverage, call or write your Colonial Life benefits representative or thecompany.Please refer to the certificate GCI6000-C for complete definitions ofcovered conditions.THIS IS A LIMITED POLICYEXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESSWe will not pay the Critical Illness Benefit, Benefits Payable Upon Subsequent Diagnosis of a Critical Illness or Additional Critical Illness Benefit for Dependent Children that occurs as a result of a covered person’s: doctor or physician relationship; felonies or illegal occupations; intoxicants and narcotics; suicide; war or armed conflict; pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period on the date the covered person is diagnosed with a critical illness.EXCLUSIONS AND LIMITATIONS FOR CANCERWe will not pay the Invasive Cancer (including all Breast Cancer) Benefit, Non-Invasive Cancer Benefit, Benefit Payable Upon Reoccurrence of Invasive Cancer (including all Breast Cancer) or Skin Cancer Initial Diagnosis Benefit for a covered person’s invasive cancer or non-invasive 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 invasive or non-invasive cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while the named insured is covered under the certificate, and who are continuously covered from the date of birth or adoption.PRE-EXISTING CONDITION LIMITATIONWe will not pay a benefit for a pre-existing condition that occurs during the 12-month period after the coverage effective date. Pre-existing Condition means a sickness or physical condition for which a covered person received medical advice or treatment within 12 months before the coverage effective date.GROUP MEDICAL BRIDGE (GMB7000)We will not pay any benefits for injuries received in accidents or for sicknesses which are caused by, contributed to buy or occurs as the result of the covered person’s:‐ Intoxicants and Narcotics‐ Dental Procedures‐ Elective Procedures and Cosmetic Surgery‐ Felonies or Illegal Occupations‐ Mental or Nervous Disorders (This exclusion does not apply to the Inpatient Mental and Nervous benefit, if included.)‐ Pregnancy of a Dependent Child‐ Suicide or Injuries Which Any Covered Person Intentionally Does to Himself‐ War‐ Birth Limitation (Giving birth within the first nine months after the coverage effective date of the certificate. Only applies to the following benefits, if included: Hospital Confinement and Daily Hospital Confinement benefits)‐ Pre-existing Condition Limitation (Only applies to the following benefits, if included: Hospital Confinement)‐ Well Baby Care - We will not pay benefits for Hospital Confinement or Daily Hospital Confinement, if included, of a newborn child following their birth unless they are injured or sickTHIS IS A LIMITED POLICYThis coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for critical illness insurance and cancer insurance.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form(s) GMB7000-P and certificate form(s) GMB7000-C, including stateabbreviations where used. For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company.WHOLE LIFE INSURANCE (IWL5000)*Whole Life Plus is the marketing name. The filed product name is WholeLife Insurance. The cash value may be reduced by any outstanding loansor withdrawals. This policy has exclusions that may affect the payment ofthe death benefit. The death benefit amount can change/lessen due to unpaid premiums, loans taken, any accrued loan interest and any amountof advanced payment. This information is not intended to be a completedescription of the insurance coverage available. The policy or its provisionsmay vary or be unavailable in some states. The policy has exclusions andlimitations which may affect any benefits payable. Applicable to policyforms ICC19-IWL5000-70/IWL5000-70, ICC19-IWL5000J/IWL5000J andrider forms ICC19-R-IWL5000-STR/R-IWL5000-STR, ICC19-R-IWL5000-CTR/R IWL5000-CTR (plus state abbreviations where applicable, forexample ITL5000-TX). For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.©2024 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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1 Spouse and dependent coverage will not be eective if they are currently totally disabled. Being totally disabled means the inability to perform two or more activities of daily living, being confined to a hospital or similar institution, or being unable to attend school outside the home (for a dependent child age 5 up to age 26). In CT, ID, NH and TX, the definition of total disability does not include Activities of Daily Living (ADL) requirements. The ability to work does not determine disability. You can pay premiums on insurance for your dependents with no health questions asked. Coverage isn’t eective until the earlier of the date they are no longer totally disabled or two years aer the date that coverage would have otherwise become eective for the spouse or dependent child. This provision does not apply to newborn children born while dependent insurance is in eect.2 The maximum benefit is 50% of your benefit in NE.3 Terminal illness means an injury or sickness that results in the covered person having a life expectancy of 12 months or less and from which there is no reasonable prospect of recovery. A life expectancy of 24 months or less in IL, KS, MA, TX and WA.4 The Employee Assistance Program and Life Planning Services, provided by Health Advocate, are available with Colonial Life & Accident Insurance Company’s Group Term Life oering. Terms and availability of service are subject to change. The service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid aer coverage terminates. Please contact the company for full details. BENEFIT AGE REDUCTION SCHEDULEWhen a covered person reaches age 70, but not 75, the amount of insurance will be: • 65% of the amount of insurance prior to age 70; or • 65% of the amount of insurance applied for on or aer age 70 but before age 75. When a covered person reaches age 75 or more, the amount of insurance will be: • 50% of the amount of insurance prior to the first reduction; or • 50% of the amount of insurance the employee applied for on or aer age 75. Once the benefit reduction schedule begins, there will be no further increases in insurance for a covered person. If the proposed insured is age 70, but not age 75 at the time of enrollment, the amount of insurance applied for will be reduced by 65%. If the proposed insured is age 75 or older at the time of enrollment, the amount applied for will be reduced by 50%. This policy has exclusions and limitations. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number GTL1.0-P and certificate number GTL1.0-C (including state abbreviations where used, for example: GTL1.0-P-TX and GTL1.0-C-TX). Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy provisions will control.Get the most out of your coverage n Portability: If you retire or change jobs, you may still be able to take your coverage with you at an aordable rate. Eligibility may be based on your health. n Conversion: You may be eligible to convert your coverage to a whole life policy without proof of good health when coverage ends under the group certificate. n Waiver of Premium: If included in your plan, premium payments are waived if you become disabled. Why is group term life insurance a good option? n Death benefit protection n Lower cost option n Coverage for specified periods of time, which can be during high-need years n Benefit is typically paid tax-free to your beneficiaries9-19 | 100272-5Additional benefits and services n Built-in Accelerated Death Benefit provides an advance of up to 75% of the death benefit, to a maximum of $150,000, if the covered person is diagnosed with a terminal illness.3 n Health Advocate Employee Assistance Program provides 24-hour confidential personal support and referral service, including a medical bill saver service.Face-to-face sessions and video counseling with mental health professionals are available.4 n Life Planning Services oer financial and legal counseling services, as well as grief support and referral for up to 12 months aer a claim.4TELEPHONE1-888-645-1772ONLINEColonialLife.com/EAPTo learn more, talk with your Colonial Life benefits counselor.ColonialLife.comUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2019 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Health Advocate Employee Assistance + Work/Life Programs Included in your Colonial Life group term life insuranceGROUP TERM LIFEAccess an expert team for life’s biggest headachesOne of Health Advocate’s many services can help relieve the burden of your medical and dental bills not covered by insurance. Medical Bill Saver™ can: Negotiate to help reduce non-covered medical and dental bills over$400 on the balance due and/or payment plans on your behalfProvide a Saving Results Statement summarizing the outcomeExplain how to maximize savings and get the most value fromyour benefits Using trend information, provider specialty, procedure type and geographic region, their experienced negotiators can o en obtain significant savings. Each day comes with its own set of challenges—expected and unexpected. At Colonial Life, we’re here to help you. That’s why we’re o ering Health Advocate’s Employee Assistance Program and Work/Life Balance Program (EAP + Work/Life) with our group term life insurance, at no additional cost.More assistance, more ways to find balanceHealth Advocate provides confidential counseling* and resources via phone, in-person or online chat for a variety of personal and work issues:Stress, anxiety and depression Substance dependency/addictionChild care, camps and a er-school careGrief and lossSpecial needs servicesIdentity the resourcesRetirement planningStaying healthyTo access, call or go online:1-888-645-1772ColonialLife.com/EAP

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Individual Dental Insurance overviewProtect employees’ dental healthOur dental coverage is a simple way to help employees pay for dental care and enhance your Åeneťts pacāage at no additional costs to your Åottom lineȘ PREVENTIVE ONLY, STANDARD, ENHANCED, PREMIER AND RETIREE PLANS (MAC PLANS)1:e pay outȭofȭnetworā Åeneťts at approŘimately the networā discounted ratesș and memÅers will Åe Åilled for charges that eŘceed those ratesȘ }hese plans are most valuaÅle when memÅers see networā providersȘPLAN DETAILS PREVENTIVE ONLY STANDARD ENHANCED PREMIER RETIREE2Annual maximum $750 $Ǡș000 $Ǣș000 $5ș000 $Ǡș500Out-of-network reimbursement1MAC MAC MAC MAC MACCO-INSURANCE (WHAT THE POLICY PAYS)Class A (Preventive) 100% 100% 100% 100% 100%Class B (Basic) 50% 80% 80% 90% 80%Class C (Major) N/A 50% 50% 60% 50%Full mouth x-rays Class B Class B Class A Class A Class BEndodontic/Periodontic services N/A Class C Class B Class B Class CRepairs – crowns, bridges and denturesN/A Class C Class B Class B Class CFREEDOM AND FREEDOM PREMIER PLANS (UCR PLANS):e pay outȭofȭnetworā Åeneťts Åased on the lesser of the providerȸs actual charge or a percentage of the usualș customary and reasonaÅle ȧCtȨ charges in the general geographic areaȘ }hese plans are most valuaÅle when memÅers see nonȭnetworā providersȘPLAN DETAILS FREEDOM FREEDOM PREMIERAnnual maximum $1ș000 $ǡș000Out-of-network reimbursement (UCR) 90% 90%CO-INSURANCE (WHAT THE POLICY PAYS)Class A (Preventive) 100% 100%Class B (Basic) 80% 80%Class C (Major) 50% 50%Full mouth x-rays Class A Class AEndodontic/Periodontic services Class C Class BRepairs – crowns, bridges and denturesClass C Class BALL PLANS• $50 deductiÅle per personș per policy year ȧthree per family per policy yearș doesnȸt apply to Class A servicesȨ• No waiting period for Class A and B servicesȘ 1ǡȭmonth waiting period for Class C servicesȘ AÅility to waive waiting period for taāeovers or Åy employer electionȘ3INDIIDAO D'N}AO INwtANC'STANDARDENHANCEDAÅility to waivefor taāeovers or Åywaiting periodemployer electionȘ3

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More dental plan features at a glancePLAN FEATURES• 100% coverage and no waiting period for preventive care• Coverage of up to 90% for basic services and up to 60% for major services• Guaranteed issue4 with no participation requirements• Carryover beneťtȚ A portion of a memberȸs unused beneťt may carry over to the neŘt year when preventive care and threshold conditions are met5• Members can āeep their policy until age 80 without a lapse in coverage• No COBtAȚ Coverage is portableȿmembers can āeep their dental coverage if they change jobs or retire• No annual renewalȚ tates are stable with no yearly renewal process6ADVANTAGES OF OUR NATIONWIDE DENTAL NETWORK7• Easy provider search on ColonialOifeDentalȘcom• Virtual Dental Visits through }eleDentistryȘcomș which includes ǡ4/7 care for dental emergencies when inperson care is not an option8ș 9• Inȭhouse recruiting team dedicated to eŘpanding our nationwide networāOPTIONAL BENEFITSOrthodontic Care• Employer option• qrovides a $1ș500 maŘimum lifetime beneťt per covered memberȿemployeeș spouseand dependent children upto age ǡ6Ș• 50% co-insurance; 12-month waiting period10ș may be subject to taāeoverVision Care11• Employee option• EŘam covered once every12 months• 9rames and lensesș or contact lensesș covered once every12 months• qrovides a $170 materials beneťt allowance• $10 co-pay for eŘams;$25 co-pay for materials1 In Alasāa onlyș out-of-networā beneťts for the following plans are based on usualș customaryș and reasonable charges ȧ80th CtȨȚ qreventive Onlyș wtandardș Enhancedș qremier and tetiree plansȘ 2 tetiree plan is only available to qublic wector accounts and subject to underwriting approvalȘ3 No waiting period in MaineȘ wiŘ-month waiting period ȧinstead of 12Ȩ in VermontȘ4 Guaranteed issue means no medical underwriting to qualify for coverageȘ 5 Carryover requirements include one cleaningș one eŘam and total claims must be under the dental policy threshold per policy year to qualifyȘ Not applicable to qreventive Only or tetiree plansȘ Members should refer to the policy for the full criteria and restrictionsȘ6 tates may only be increased if all rates in the state the policy was issued changeȘ7 Colonial Oifeȸs dental networā includes providers under direct contract and under access arrangements with other dental networāsȘ Visit ColonialOifeDentalȘcom for a current provider directoryȘ8 }erms and availability of service from }eleDentistryȘcom are subject to changeȘ wervices are not valid after policy terminatesȘ9 >yperlinās to third party websites are offered for informational purposes onlyȘ Colonial Oife in no way controlsș guaranteesș endorsesș sponsorsș or promotes these websites or their contentȘ10 wiŘ-month waiting period in VermontȘ11 Vision coverage not available in IllinoisȘwummary of Dental Beneťts and Coverage Disclosure MatriŘ ȧwDBCȨ is available at ColonialOifeDentalȘcom/CaliforniaȘTHIS POLICY PROVIDES LIMITED BENEFITS. A NETWORK ACCESS PLAN IS AVAILABLE.}his information is not intended to be a complete description of the insurance coverage availableȘ }he policy or its provisions may vary or be unavailable in some statesȘ }he policy has eŘclusions and limitations which may affect any beneťts payableȘ Applicable to policy form IDN8100 ȧincluding state abbreviations where usedș for eŘampleȚ IDN8100-}ȨȘ 9or cost and complete details of coverageș call or write your Colonial Oife beneťts counselor or the companyȘnderwritten by Colonial Oife ɪ Accident Insurance Companyș Columbiaș wCɭ 2024 Colonial Oife ɪ Accident Insurance CompanyȘ All rights reservedȘ Colonial Oife is a registered trademarā and marāeting brand of Colonial Oife ɪ Accident Insurance CompanyȘ 9Ot BtONEtw AND EMqOOEtw 4-24 ɳ 1852254ColonialLife.com

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Deductions per year: 12 These rates were prepared on 10/30/2024 and are valid for 90 days.Individual Dental 8100 (IDN8100) for TXApplicable to policy form Individual Dental 8100 (IDN8100)l- 0 Month Waiting PeriodZip Codes: 733, 750, 751, 752, 753, 754, 760, 761, 762, 764, 765, 766, 770, 771, 772, 773, 774, 775, 776, 778, 786,787, 789COVERAGE LEVEL NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENTCHILD(REN)NAMED INSURED,SPOUSE ANDDEPENDENTCHILD(REN)Standard (MAC 100/80/50) $1,000 MAX $38.73 $73.15 $92.30 $136.65Enhanced (MAC 100/80/50) $3,000 MAX $48.34 $91.34 $114.56 $169.61Individual Dental 8100 (IDN8100) for TXApplicable to policy form Individual Dental 8100 (IDN8100)lwith Vision Rider - 0 Month Waiting PeriodZip Codes: 733, 750, 751, 752, 753, 754, 760, 761, 762, 764, 765, 766, 770, 771, 772, 773, 774, 775, 776, 778, 786,787, 789COVERAGE LEVEL NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENTCHILD(REN)NAMED INSURED,SPOUSE ANDDEPENDENTCHILD(REN)Standard (MAC 100/80/50) $1,000 MAX $44.98 $85.50 $105.30 $157.00Enhanced (MAC 100/80/50) $3,000 MAX $54.59 $103.69 $127.56 $189.96Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Mark | mark@colonialtx.com | (281) 714-8150Page 1 of 1Underwritten by Colonial Life & Accident Insurance CompanySee page 1 for Important Notice

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Deductions per year: 12 These rates were prepared on 3/22/2024 and are valid for 90 days.Group Accident (GAC4100) for TXl Additional Benefits:Applicable to policy forms GAC4100-P,GAC4100-COn/Off-Job Accident CoverageEMPLOYEE, SPOUSEAND DEPENDENTCHILD(REN)EMPLOYEE ANDDEPENDENTCHILD(REN)EMPLOYEE ANDSPOUSEEMPLOYEEISSUE AGEAD&D BENEFIT LEVELBENEFIT LEVEL$35.18 $44.20Premier Premier 17-99 $15.75 $24.56Group Medical Bridge (GMB7000) for TX Age-BandedlWithout Wellbeing AssistanceApplicable to Policy Forms GMB7000–P & GMB7000-CTWO PARENT FAMILYONE PARENT FAMILYEMPLOYEE & SPOUSENAMED INSUREDISSUE AGEHOSPITAL CONFINEMENT LEVEL$21.15$13.55$17.10$9.5017-49Level 2: $1000$28.45$16.35$24.40$12.3050-59$39.85$21.25$35.80$17.2060-64$54.15$28.15$50.10$24.1065-99TWO PARENT FAMILYONE PARENT FAMILYEMPLOYEE & SPOUSENAMED INSUREDISSUE AGEHOSPITAL CONFINEMENT LEVEL$42.05$26.95$34.00$18.9017-49Level 4: $2000$56.65$32.55$48.60$24.5050-59$79.45$42.35$71.40$34.3060-64$108.05$56.15$100.00$48.1065-99Group Critical Illness (GCI6000) for TXlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $50 BenefitApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDNon-Tobacco RatesNAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)NAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED ANDSPOUSENAMED INSUREDISSUE AGE$13.05$8.90$13.05$8.9017-24$15,000$16.95$11.45$16.95$11.4525-29$20.85$14.15$20.85$14.1530-34$30.00$20.15$30.00$20.1535-39$39.00$26.15$39.00$26.1540-44$54.30$36.05$54.30$36.0545-49$69.60$45.80$69.60$45.8050-54$90.15$59.30$90.15$59.3055-59$121.35$79.85$121.35$79.8560-64$148.05$97.25$148.05$97.2565-69$148.05$97.25$148.05$97.2570-74Underwritten by Colonial Life & Accident Insurance CompanySeepage2forImportantNoticePage 1 of 3

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Group Critical Illness (GCI6000) for TXlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $50 BenefitNon-Tobacco RatesApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDNAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)NAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED ANDSPOUSENAMED INSUREDISSUE AGE$21.60$14.90$21.60$14.9017-24$30,000$29.40$20.00$29.40$20.0025-29$37.20$25.40$37.20$25.4030-34$55.50$37.40$55.50$37.4035-39$73.50$49.40$73.50$49.4040-44$104.10$69.20$104.10$69.2045-49$134.70$88.70$134.70$88.7050-54$175.80$115.70$175.80$115.7055-59$238.20$156.80$238.20$156.8060-64$291.60$191.60$291.60$191.6065-69$291.60$191.60$291.60$191.6070-74Tobacco RatesNAMED INSURED, SPOUSEAND DEPENDENT CHILD(REN)NAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED ANDSPOUSENAMED INSUREDISSUE AGE$18.15$12.50$18.15$12.5017-24$15,000$24.45$16.70$24.45$16.7025-29$30.75$20.90$30.75$20.9030-34$45.15$30.50$45.15$30.5035-39$59.70$40.10$59.70$40.1040-44$84.15$55.85$84.15$55.8545-49$108.60$71.45$108.60$71.4550-54$141.60$93.05$141.60$93.0555-59$191.55$125.90$191.55$125.9060-64$234.00$153.80$234.00$153.8065-69$234.15$153.95$234.00$153.8070-74$31.80$22.10$31.80$22.1017-24$30,000$44.40$30.50$44.40$30.5025-29$57.00$38.90$57.00$38.9030-34$85.80$58.10$85.80$58.1035-39$114.90$77.30$114.90$77.3040-44$163.80$108.80$163.80$108.8045-49$212.70$140.00$212.70$140.0050-54$278.70$183.20$278.70$183.2055-59$378.60$248.90$378.60$248.9060-64$463.50$304.70$463.50$304.7065-69$463.80$305.00$463.50$304.7070-74Important 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.(Continued...)Underwritten by Colonial Life & Accident Insurance CompanySeepage2forImportantNoticePage 2 of 3

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Deductions per year: 12 These rates were prepared on 10/24/2024 and are valid for 90 days.Group Disability for TX AA Risk ClasslOn/Off-Job Accident and Sickness3 Month Benefit PeriodApplicable to policy forms GDIS-P & GDIS-C$2,000*$1,500*$1,000*$500*ISSUE AGEELIMINATION PERIOD*monthly benefit amount7 days Accident/7 days Sickness 17-4950-6465-74$15.35$18.45$21.85$30.70$36.90$43.70$46.05$55.35$65.55$61.40$73.80$87.4014 days Accident/14 days Sickness 17-4950-6465-74$10.15$12.40$15.80$20.30$24.80$31.60$30.45$37.20$47.40$40.60$49.60$63.20*monthly benefit amount6 Month Benefit Period$2,000*$1,500*$1,000*$500*ISSUE AGEELIMINATION PERIOD$80.00$60.00$40.00$20.0017-497 days Accident/7 days Sickness$105.00$78.75$52.50$26.2550-64$143.20$107.40$71.60$35.8065-74$57.00$42.75$28.50$14.2517-4914 days Accident/14 days Sickness$75.00$56.25$37.50$18.7550-64$98.80$74.10$49.40$24.7065-74Whole 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-GPO,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 70Non-Tobacco Rates$50,000$20,000$10,000$5,000ISSUE AGE$49.37$19.75$9.87$4.9425$74.79$29.92$14.96$7.4835$127.87$51.15$25.57$12.7945Tobacco Rates$50,000$20,000$10,000$5,000ISSUE AGE$85.08$34.03$17.02$8.5125$109.66$43.86$21.93$10.9735$177.20$70.88$35.44$17.724510-Year Spouse Term Life Benefit$20,000$10,000$5,000ISSUE AGE$6.58$3.29$1.6525$8.32$4.16$2.0835$13.20$6.60$3.3045Underwritten by Colonial Life & Accident Insurance CompanySeepage2forImportantNoticePage 1 of 2

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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-GPO,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 7010-Year Spouse Term Life Benefit$20,000$10,000$5,000ISSUE AGE$35.33$17.67$8.8355$94.38$47.19$23.5965Children's Term Life BenefitISSUE AGE$5,0000-18 $2.50Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Mark | mark@colonialtx.com | (281) 714-8150(Continued...)Underwritten by Colonial Life & Accident Insurance CompanySeepage2forImportantNoticePage 2 of 2

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 Colonial Life. How to File a Claim for Colonial Life Benefits    vv  $    1.800.880.9325  P.O. Box 100195, Columbia, SC 29202 On the policyholder portal you can:   Sign up for direct deposit to get approved payments up to a week faster than paper check! 

The Ilhan Group Proposal

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