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2025 Employee Benefits Booklet

Welcome to Your Employee Benefits At William George Company, our greatest asset is people like you. We value your hard work and like to do what we can to reward your efforts. That’s why we are pleased to offer you these valuable employee benefits. Please review the information in this booklet to learn about the plans being offered and determine what coverage is right for you.• MEC Plan - Symetra• Basic Life - Principal• Dental Plan - Principal• Ancillary Plans - Colonial LifeThe information contained in this booklet is only a summary of coverage and is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. If there are differences between the information in the booklet and the contract, the contract will govern.

$70 per day$350 per person, per calendar year maximum$70 per day$350 per person, per calendar year maximum500 days per lifetime unless otherwise noted$600 per day 30 days per person, per calendar year maximum$1,200 per day 30 days per person, per calendar year maximum$600 per day 30 days per person, per calendar year maximum$300 per day 30 days per person, per calendar year maximum$300 per day$65 per day$500 per day$1,000 per day$250 per day1 day per person, per calendar year maximum$50 per day, 1 exam per person, per calendaryear maximum$100 per day for glasses or $75 per day forcontact lenses; limited to one pair every 24 consecutive months$10,000 Life$10,000 AD&D$5,000 for spouse$2,500 per child$400 per infant$10 per day, 20 days per person, per calendar year maximumup to $500 per occurrence1 occurrence per person, per calendar year maximumMultiplanDependent Life Insurance BenefitSelect Benefits Plan Designfor 11977000 - William George Company, Inc.Fixed-Payment Indemnity InsuranceOutpatient Doctor Visit BenefitOutpatient Diagnostic X-Ray and Lab BenefitInpatient Hospital Benefits Hospital Stay Intensive Care Unit Substance Abuse Facility Mental Health Facility 180 days lifetime maximum Nursing Facility 60 consecutive days per stay maximum. This benefit is only paid if following a covered hospital stay of at least three consecutive days and the insured is under age 65.Surgical Benefit Outpatient Doctor's Office Outpatient Surgical Facility Inpatient Hospital Maximum of 1 surgical benefit per day $1,000 combined calendar year max per personOutpatient Surgical Facility BenefitVision BenefitEmployee Life InsuranceAccidental Death & Dismemberment (AD&D)Outpatient Prescription Drug Indemnity Benefit GenericGroup Accident BenefitPPO Network Option

Your plan design and applicable premium amount may include benefits provided under one or more group policies. The plan design has been made available as a complete package and you may not elect to enroll in any policy or benefit separately. If you would like cost details, please contact your company or the plan administrator, Select Benefits Administrators at 1-800-497-3699 or symsba@symetra.com.Please refer to the Description of Benefits included in this packet for additional information on your benefits.Select Benefits insurance policies are not a replacement for a major medical policy or other comprehensive coverage and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. They are designed to provide benefits at a preselected, fixed-dollar amount. Coverage may be subject to exclusions, limitations, reductions, and termination of benefit provisions. Select Benefits policies are insured by Symetra Life Insurance Company located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory. Coverage is provided under generic policy form numbers SBC-00500, SBC-00535, and LGC-10011 or LGC-9072.Telehealth Services, provided by MeMD, Inc., 7332 E. Butherus Drive, Suite 104, Scottsdale, AZ 85260, is included. There is no additional cost at the time of service to you. Telehealth Services, available in all 50 states, does not replace insurance coverage.Value-add benefits are included at no additional cost to you. These services are provided by Health Advocate, Inc., 3043 Walton Road, Suite 150, Plymouth Meeting, PA 19462. Please review the Value-add benefits flier for more information on these services. Not an insured benefit.A Pharmacy Discount Program is included at no additional cost. This program is administered by a prescription benefit manager, OptumRx, 11900 W Lake Park Drive, Milwaukee, WI 53224. This discount program is not an insured benefit.

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 1089959 - 10001 Page 1 of 4 10/2023Policyholder: WILLIAM GEORGE COMPANYGroup dental insuranceBenefit summary forall other membersYour coverage renews every March 1This summary was created on 02/19/2024 and shows benefits availableat that time.What's available to me?Dental insurance helps pay for all, or a portion, of the costs associated with dental care, from routinecleanings to root canals.EligibilityEligible employeesAll active, full-time employeesCalendar-year deductible Coinsurance your policy paysIn-network Out-of-network In-network Out-of-networkPreventive$0 $0 100% 100%Basic$50 $50 80% 80%Major$50 $50 50% 50%Orthodontia $0 $050% 50%Additional provisionsFamily deductible2 times the per person deductible amountCombined deductibleYour deductibles that are in and out-of-network for basic and major services arecombined.Combined maximumMaximums for preventive, basic, and major procedures are combined. In-networkcalendar year maximums are $1,500 per person or non-network calendar yearmaximums are $1,500 per person.Orthodontia lifetimemaximum$1,500 PPO in-network maximum / $1,500 PPO out-of-network maximumPlan typeUnscheduled

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 1089959 - 10001 Page 2 of 4 10/2023Who can buy coverage?• You may buy coverage if you're an active, full-time employee. Seasonal, temporary, or contractemployees aren't eligible.o If you’re on regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personal timeoff, you’re still considered actively at work, as long as you’re fulfilling your regular duties and wereworking the day immediately prior to your time off.o You must enroll within 31 days of being eligible. If you don’t, you’ll have to wait until the next openenrollment period, or qualifying event.Additional eligibility requirements may apply.Which procedures are covered, and how often?PreventiveRoutine examsTwice per calendar yearRoutine cleaningsTwice per calendar yearBitewing X-raysOnce per calendar yearFull mouth X-raysOnce every 60 monthsFluorideOnce per calendar year (covered only for dependent children under age 16)SealantsCovered only for dependent children under age 16; once per tooth each 36monthsHarmful habit applianceCovered only for dependent children under age 16BasicEmergency examsTwice per calendar yearPeriodontal maintenanceIf three months have passed since active surgical periodontal treatment; twiceper calendar yearFillings Replacement fillings every 24 monthsOral surgerySimple and complexGeneral anesthesia / IVsedationCovered only for specific proceduresSimple endodontics Root canal therapy for anterior teethComplex endodontics Root canal therapy for molar teethNon-surgical periodontics,including scaling and rootplaningOnce per quadrant per 24 monthsOcclusal guards (nightguards)One guard per 36 months

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 1089959 - 10001 Page 3 of 4 10/2023MajorPeriodontal surgicalproceduresOnce per quadrant per 36 monthsCrownsEach 84 months per tooth if tooth cannot be restored by a fillingCore buildupEach 84 months per toothBridges84 months old (initial placement / replacement)Dentures 60 months old (initial placement / replacement)Repairs Partial denture, bridge, crown, relines, rebasing, tissue conditioning andadjustment to bridge/denture, within policy limitationsOrthodontiaCoverageFor your dependent children. Bands that are placed on a dependent child'steeth before age 19 may be covered.Additional benefitsPrevailing charge When you receive care from an out-of-network-provider, benefits will be basedon the 80thpercentile of the usual and customary charges.Periodontal program If you’re pregnant or have diabetes or heart disease, you may receive scalingand root planing covered at 100% (if dentally necessary), or one additionalcleaning (routine or periodontal) subject to deductible and coinsurance.Second opinion program You may be eligible for second opinions from dental providers at 100%. Thisprogram makes sure you get the best advice to make an informed decisionabout your care.Cancer treatment oralhealth programIf you have cancer and are undergoing chemotherapy or head/neck radiationtherapy, you may receive up to three fluoride treatments every 12 monthscovered at 100% plus one additional routine cleaning.General anesthesiaprogramIf you have autism, Down syndrome, cerebral palsy, muscular dystrophy, orspina bifida you may receive general anesthesia or intravenous sedationcoverage. Services must be administered in a dental office. All othercontractual limitations apply.How do I find a network dentist?When you receive services from a dentist in our network, your cost may be lower. Network dentists agree tolower their fees for dental services and not charge you the difference. You’ll have access to the Principal PlanDental network, with more than 117,000 dentists nationwide. Visit principal.com/dentist to find a dentist orcall 800-247-4695.What if my dentist isn't in the network?You can refer your dentist to our network. Please submit the dentist’s name and information by calling800-247-4695, or submitting a form at principal.com/refer-dental-provider.

Deductions per year: 26 These rates were prepared on 2/20/2024 and are valid for 90 days.Group Accident (GAC4100) for TXApplicable to policy forms GAC4100-P,GAC4100-ClAdditional Benefits: Accident Hospital Benefits Preferred, Active Lifestyles, Wellbeing Assistance Max - $50On/Off-Job Accident CoverageBENEFIT LEVEL AD&D BENEFIT LEVEL ISSUE AGE EMPLOYEE EMPLOYEE ANDSPOUSEEMPLOYEE ANDDEPENDENTCHILD(REN)EMPLOYEE, SPOUSEAND DEPENDENTCHILD(REN)Basic Preferred 17-99 $5.59 $8.74 $10.77 $14.02Preferred Preferred 17-99 $6.99 $11.06 $14.64 $18.81Premier Preferred 17-99 $9.03 $14.45 $20.19 $25.71Cancer Assist for TXApplicable to policy form CanAssistlwith $75 Health Screening BenefitCOVERAGE LEVEL ISSUE AGE NAMED INSURED EMPLOYEE AND SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYLevel 2 17-75 $9.12 $14.26 $9.25 $14.40Level 3 17-75 $11.42 $19.13 $11.63 $19.34Level 4 17-75 $15.55 $26.05 $15.83 $26.33Individual Medical Bridge for TXApplicable to policy form Individual Medical Bridgel$1000 Hospital Confinement Benefit and Outpatient Surgical Procedure Benefit with a calendar year maximum of $1500,$100 Health Screening Benefit.ISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $11.77 $21.81 $14.77 $24.8050-59 $15.50 $28.89 $18.51 $31.8960-64 $19.43 $36.35 $22.43 $39.3565-75 $24.09 $45.18 $27.09 $48.19Individual Medical Bridge for TXApplicable to policy form Individual Medical Bridgel$2000 Hospital Confinement Benefit and Outpatient Surgical Procedure Benefit with a calendar year maximum of $1500,$100 Health Screening Benefit.ISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $18.14 $33.85 $23.90 $39.6250-59 $24.23 $45.51 $30.00 $51.2760-64 $31.33 $58.96 $37.11 $64.7365-75 $39.97 $75.32 $45.74 $81.10Page 1 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

Critical Illness 1.0 for TXApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.10 $3.18 $2.10 $3.1825-29 $2.42 $3.74 $2.42 $3.7430-34 $2.79 $4.34 $2.79 $4.3435-39 $3.90 $6.00 $3.90 $6.0040-44 $4.64 $7.10 $4.64 $7.1045-49 $6.02 $9.23 $6.02 $9.2350-54 $7.68 $11.81 $7.68 $11.8155-59 $9.48 $14.54 $9.48 $14.5460-64 $11.74 $18.04 $11.74 $18.0465-70 $14.24 $21.87 $14.24 $21.87Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.56 $3.92 $2.56 $3.9225-29 $3.16 $4.84 $3.16 $4.8430-34 $3.94 $6.09 $3.94 $6.0935-39 $5.47 $8.40 $5.47 $8.4040-44 $7.08 $10.89 $7.08 $10.8945-49 $9.11 $13.98 $9.11 $13.9850-54 $11.47 $17.58 $11.47 $17.5855-59 $14.56 $22.38 $14.56 $22.3860-64 $17.51 $26.90 $17.51 $26.9065-70 $21.44 $32.95 $21.44 $32.95Important 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.Jamie Pope | jamie@colonialtx.com | (409) 782-1910(Continued...)Page 2 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

Deductions per year: 26 These rates were prepared on 2/20/2024 and are valid for 90 days.Individual Disability - ISTD3000 for TX AAA Risk ClassApplicable to policy form Individual DisabilitylOff Job Accident & Off Job Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $700* $1,200* $1,800* $2,400* $3,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $7.92 $13.57 $20.35 $27.14 $33.9250-64 $9.11 $15.62 $23.43 $31.24 $39.0565-74 $11.05 $18.94 $28.41 $37.88 $47.3514 days Accident/14 days Sickness 17-49 $5.33 $9.14 $13.71 $18.28 $22.8550-64 $5.94 $10.19 $15.29 $20.38 $25.4865-74 $7.62 $13.07 $19.61 $26.14 $32.686 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $700* $1,200* $1,800* $2,400* $3,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $10.02 $17.17 $25.75 $34.34 $42.9250-64 $13.08 $22.43 $33.65 $44.86 $56.0865-74 $17.03 $29.19 $43.78 $58.38 $72.9714 days Accident/14 days Sickness 17-49 $6.91 $11.85 $17.78 $23.70 $29.6350-64 $8.72 $14.95 $22.43 $29.91 $37.3865-74 $11.63 $19.94 $29.91 $39.88 $49.85Term Life (ITL5000) for TXApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $100,000 $150,00025 $3.10 $4.97 $4.87 $7.89 $10.9135 $3.55 $6.11 $5.35 $8.85 $12.3545 $4.47 $8.41 $10.06 $18.27 $26.4855 $8.34 $18.07 $21.39 $40.92 $60.4665 $18.93 $28.41 $54.96 $108.08 $161.19Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $100,000 $150,00025 $4.84 $9.33 $8.41 $14.97 $21.5235 $5.41 $10.75 $9.52 $17.20 $24.8745 $7.34 $15.57 $20.99 $40.12 $59.2555 $15.66 $36.39 $48.95 $96.04 $143.1365 $32.38 $47.86 $93.87 $185.88 $277.90Page 1 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

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 100Non-Tobacco RatesISSUE AGE $10,000 $20,000 $30,000 $40,000 $50,00025 $4.25 $8.49 $12.74 $16.98 $21.2335 $5.78 $11.55 $17.33 $23.10 $28.8845 $9.18 $18.36 $27.53 $36.71 $45.8855 $14.98 $29.95 $44.93 $59.90 $74.8865 $26.65 $53.31 $79.96 $106.61 $133.26Tobacco RatesISSUE AGE $10,000 $20,000 $30,000 $40,000 $50,00025 $7.42 $14.83 $22.25 $29.66 $37.0835 $9.02 $18.05 $27.07 $36.09 $45.1245 $13.44 $26.87 $40.30 $53.74 $67.1755 $22.64 $45.29 $67.93 $90.58 $113.2265 $38.73 $77.46 $116.19 $154.92 $193.65Important 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.Jamie Pope | jamie@colonialtx.com | (409) 782-1910(Continued...)Page 2 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

Accidents can happen to anyoneYou never know when you or someone you love could get hurt in an accident. And accidents come with costs, such as emergency room fees, doctor’s bills and lost income from missing work. Even if you have good health insurance, deductibles and co-pays can really add up.With accident insurance from Colonial Life, you can receive benefits to help with the expenses of a covered accident. This financial protection can help you focus on what really matters: healing. With this coverage:  A set amount is payable based on the injury you suer and the treatment you receive.  You do not need to answer medical questions or have a physical exam to get basic coverage.  Unlike workers’ compensation, which only covers on-the-job injuries, accident insurance covers injuries that happen on-the-job or o-the-job.  Coverage is available for you, your spouse and eligible dependent children. Accident InsuranceACCIDENT POLICIES PROVIDE LIMITED BENEFITS.If guaranteed-issue coverage is available, you won’t have to answer health questions. For more details, talk with your Colonial Life benefits counselor.ColonialLife.comTalk with your Colonial Life benefits counselor to learn more. The policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Colonial Life representative for specific provisions and details of availability. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

You can’t predict an illness, but you can be preparedNo matter where you are in life, you never know when you or a loved one could experience a critical illness, such as a heart attack or stroke. Medical advancements and early detection are helping many people survive critical illnesses. However, preventive tests and treatment can lead to increased medical expenses, and your health insurance may not cover these costs.Critical illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.With this coverage: Benefits are paid directly to you, unless you specify otherwise. You may receive additional benefits if you’re diagnosed with more than one critical illness.Coverage options are available for you, your spouse and eligible dependent children.Critical Illness InsuranceCritical illness insuranceCRITICAL ILLNESS POLICIES PROVIDE LIMITED BENEFITS. The policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the individual policy or the group certificate, as applicable, or your Colonial Life representative for specific provisions and details of availability.If guaranteed-issue coverage is available, you won’t have to answer health questions. For more details, talk with your Colonial Life benefits counselor.Talk with your Colonial Life benefits counselor to learn more. ColonialLife.comColonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Help protect your incomeYou never know when a disability could impact your way of life. Fortunately, there’s a way to help protect your income. If a covered accident or sickness prevents you from earning a paycheck, disability insurance from Colonial Life can provide a monthly benefit to help you cover your ongoing expenses.Disability insurance from Colonial Life helps protect your income, so you can have help paying the bills while you recover from a covered accident or sickness.With this coverage:  You can choose the amount of your disability benefits, subject to income.  You’re paid regardless of any insurance you may have with other companies.  Benefits are paid directly to you, and you can use these benefits however you choose.Critical Illness InsuranceDisability insuranceIf guaranteed-issue coverage is available, you won’t have to answer health questions. For more details, talk with your Colonial Life benefits counselor.Talk with your Colonial Life benefits counselor to learn more. ColonialLife.comThe policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Colonial Life representative for specific provisions and details of availability. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Get help with rising health care costsIf you’re admitted to the hospital because of an accident or sickness, it’s important to focus on your recovery – not your finances. That’s easier said than done if you have costly co-payments, deductibles and other expenses coming your way.Hospital confinement indemnity insurance from Colonial Life can help you pay for medical expenses that your health insurance may not cover. With this coverage:  Benefits are paid directly to you (unless you specify otherwise) and can be used as you see fit.  Coverage is available for you, your spouse and eligible dependent children.  You’re paid regardless of any other insurance you may have with other companies.Hospital Confinement Indemnity InsuranceHOSPITAL CONFINEMENT INDEMNITY POLICIES PROVIDE LIMITED BENEFITS.If guaranteed-issue coverage is available, you won’t have to answer health questions. For more details, talk with your Colonial Life benefits counselor.Talk with your Colonial Life benefits counselor to learn more. ColonialLife.comThe policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Colonial Life representative for specific provisions and details of availability. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Life insurance protection when you need it mostLife insurance needs change as life circumstances change. You may need more coverage if you’re getting married, buying a home or having a child. Term life insurance from Colonial Life provides protection for a specified period of time, typically oering the greatest amount of coverage for the lowest initial premium. This fact makes term life insurance a good choice for supplementing cash value coverage during life stages when obligations are higher, such as while children are young. It’s also a good option for families on a tight budget – especially since you can convert it to a permanent cash value plan later.With this coverage: A beneficiary can receive a benefit that is typically free from income tax. The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered person is diagnosed with a terminal illness. You can convert it to a Colonial Life cash value insurance plan, with no proof of good health, to age 75.Term Life InsuranceFor more details, talk with your Colonial Life benefits counselor.Talk with your Colonial Life benefits counselor to learn more. ColonialLife.comThe policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Colonial Life representative for specific provisions and details of availability. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Whole life insuranceLife insurance that comes with guarantees — because life doesn’tYou can’t predict the future, but you can rest easier knowing you have life insurance with lifelong guarantees.Whole life insurance from Colonial Life provides guaranteed cash value accumulation, level premium and a death benefit (minus any loans and loan interest). This coverage can help protect your family’s way of life. With this coverage:  Life insurance benefits for the beneficiary are typically free from income tax.  You have three opportunities to purchase additional coverage with no proof of good health required if you are 55 or younger when you initially purchase coverage.  The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered individual is diagnosed with a terminal illness.  A $3,000 immediate claim payment can be paid to the designated beneficiary as an advance of the death benefit.If guaranteed-issue coverage is available, you won’t have to answer health questions. For more details, talk with your Colonial Life benefits counselor.Talk with your Colonial Life benefits counselor to learn more. ColonialLife.comThe policies or their provisions may vary or be unavailable in all states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Colonial Life representative for specific provisions and details of availability. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC © 2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

Getting startedThe easiest way to manage your business with us is through ColonialLife.com. To sign up for the website, click Register at the top right of the home page and follow the instructions. Consider your optionsAt Colonial Life, our goal is to give you an excellent customer experience that is simple, modern and personal. For your convenience, you can choose how you interact with us. For the quickest service, we recommend using our website, which lets you do the following: Review, print or download a copy of your policy/certificate  Update contact information  Access service forms  Submit your claim using our eClaims system  Check the status of your claim and view claims correspondence  Access claim formsPolicyholder Service GuideeClaims are quick and easyWith the eClaims feature on ColonialLife.com, you can file most claims online by simply answering a few questions and uploading your supporting documentation. You’re able to spend less time on paperwork, and we’re able to process your claim faster.  You can access eClaims through your computer or mobile device and upload any required supporting documentation.  Once you’re logged in to ColonialLife.com, visit the Claims Center and select File an Online Claim to get started.Paper claims  If you don’t want to file online, download the form you need by visiting the Claims Center page on ColonialLife.com and clicking on claims and service forms.  Follow the instructions, tips and videos to complete and submit your claim.Your policy and certificates are located under the My Correspondence tab.ColonialLife.comContact us Online ColonialLife.com Log in and click on Contact UsTelephone 1-800-325-4368Hearing-impaired customers 803-798-4040If you do not have a TDD, call Voiance Telephone Interpretation Services. 844-495-610511-16 | 43233-38Underwritten 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.

ContactsName Title Phone Website/Email FaxJamie Pope Sales Representative 409-782-1910 jamie@colonialtx.com

The information contained in this booklet is only a summary of coverage and is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. If there are differences between the information in the booklet and the contract, the contract will govern.NS-15576 (9-17) 9-17 | NS-15576ColonialLife.comUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.