GROUP LIFE INSURANCE

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1 Federated States of Micronesia GROUP LIFE INSURANCE PROTECTION FOR YOUR FAMILY S FUTURE Program Effective January 1, 2013 Participating Entities of Pohnpei, Kosrae, and Yap

2 Life Insurance Considerations Why Life Insurance Is Important Provides for peace of mind Final expenses Survivor income Educational funding Pays off debt Creates an immediate estate

3 Life Insurance Considerations Things to consider How much will I need for my final expenses Funeral costs Pay off bills Pay off debt obligations What are my family s needs for ongoing income What are my children s education needs

4 Life Insurance Considerations Your employer plan will provide basic life insurance protection Through the Dependent Options, your family members will be protected Through the Supplemental Option you will have additional coverage that will enhance your family s ability to continue in a manner you would want if something happens to you Complete an enrollment form today!

5 Basic Life Insurance Federated States of Micronesia Group Life Insurance Program

6 Basic Life Insurance Basic Life Insurance coverage is a multiple of your Base Annual Salary. The multiple is 2x, 3x or 4x subject to the benefit plan elected by your employer. There are two exceptions to the above: SSA (0708) and PUC (0908) Both have a level benefit plan where the Basic Life insurance coverage amount is level and not based upon salary. The premium amount is also level and the same for all employees.

7 Basic Life Insurance The Basic Life plan provides insurance benefits for Active Employees. If your employer has chosen a level benefit option, rather than a salary based option, the max age for coverage is 79. When an individual under that option turns 80, the coverage ceases. The biweekly premium rate is $0.45 per $1,000 of coverage. Your employer pays a percentage of the premium for this part of your employee benefit package.

8 Basic Life Insurance Basic Life Insurance benefits are rounded to the next higher $1,000. Minimum benefit - $5,000 Maximum benefit - $100,000 The basic life insurance benefits reduce by: 25% at age 65 50% at age 70 75% at age 75 $5,000 benefit at age 80 and over The maximum benefit amounts above are calculated prior to the reduction, and the minimum after the reduction. If your employer has chosen a level benefit option, rather than a salary based option, your coverage is not subject to reduction.

9 Basic Life Insurance Example Miguel is an employee of FSM Telecomm. He is 64 years old and earns a salary of $17, annually. If the FSM Telecomm multiple were 3x, Miguel s coverage would be calculated like this: 1. Salary ($17,653.83) x 3 = $52, That is rounded up to the next $1,000 = $53, in benefit Next year, when Miguel turns 65, his benefit will change like this: 1. Salary ($17,653.83) x 3 = $ 52, That is rounded up to the next $1,000 = $53, Due to his age, that amount is reduced by 25% = $39,750 in benefit. 4. His premium will also reduce in proportion to the reduction in coverage.

10 Basic Life Insurance Accidental Death and Dismemberment This benefit is included at no additional premium charge to Active Employees who are less than age 75. It is payable in addition to the Basic Life Insurance benefit. For Loss of Life: For Dismemberment: Loss of Hands or Feet Loss of sight of both Eyes Loss of one Hand and sight of one Eye Loss of one Hand and one Foot Loss of one Foot and sight of one Eye Loss of one Hand or one Foot Loss of sight of one Eye 1X Basic Life Benefit 1X Basic Life Benefit 1X Basic Life Benefit 1X Basic Life Benefit 1X Basic Life Benefit 1X Basic Life Benefit ½ of Basic Life Benefit ½ of Basic Life Benefit

11 Basic Life Insurance Waiver of Premium This benefit is included at no additional premium charge to Active Employees who are less than age 60 and are insured in the Group Life Program. If you become Permanently and Totally Disabled, your coverage will continue without premium charge after a nine-month waiting period if your request is approved by IAC. You must request to be considered for this benefit within 61 days after your last premium payment was made as an active employee and premiums for the nine-month waiting period, both Employee and any Employer portions, must be paid in full at the time the request for Waiver of Premium is made. Medical documentation from your physician supporting your disability is required. Permanent Total Disability is defined as a disability resulting from bodily injury or disease which prevents you from engaging in any business or occupation and from performing any work for compensation or profit for at least nine months and such disability is expected to continue until your death.

12 Dependent Life Insurance Federated States of Micronesia Group Life Insurance Program

13 Dependent Life Insurance The Dependent Life Insurance options allow Eligible Employees to enroll for coverage insuring the lives of the employee s spouse and/or eligible children. The premium cost for this additional coverage will be paid by you, the employee, through payroll deduction. New to this contract, both spouses may now elect to cover each other as a dependent; even if they are both Active Employees covered by the Group Life Program. Option A Option B Option C Bi-weekly Rate $9.75 $6.45 $6.50 Coverage on Spouse $10,000 $10,000 None Coverage on Children $3,000 None $3,000 Coverage on Children is from Age 15 days through 18 years. (24 years if a full time student.)

14 Dependent Life Insurance Children with Disabilities This benefit is included at no additional premium charge to Active Employees who are enrolled in the Group Life Program and either Dependent option A or C. A dependent child will include a previously eligible dependent child of the employee who has reached the limiting age for dependent coverage but who cannot perform the normal activities of daily living and cannot financially support himself/herself, because of a physical or mental handicap. The employee must initially, and annually thereafter, provide to IAC satisfactory proof following the child s attainment of the limiting age.

15 Dependent Life Insurance Children with Disabilities If an enrollee elects the Dependent s Term Life Insurance and has now, or in the future, a child with disabilities, then in order to enroll for this coverage, the enrollee must complete a Child with Disability Eligibility Form and must submit it along with the child s medical records to IAC for review and approval. For employees currently enrolled in Dependent s Term Life, a Child with Disability Eligibility Form must be completed and submitted to IAC prior to April 13, Eligibility of all dependent children claims shall be certified by a government official and/or the IAC General Agent prior to the submission of a claim for dependent children benefits.

16 Supplemental Life Insurance Federated States of Micronesia Group Life Insurance Program

17 Supplemental Life Insurance The Supplemental Group Life insurance program available since October 1 st, 2007 is coming to an end on December 29 th, However, that program is being replaced by a different, but better, Supplemental Group Life insurance program. This change was made at the request of the Micronesian Executive Insurance Board.

18 Supplemental Life Insurance The new Supplemental Life Insurance plan allows Eligible Employees to enroll for additional coverage beyond the Basic Life Insurance program. Supplemental Life Insurance is available to Active Employees less than age 70. The full premium cost for this additional coverage will be paid by the employee through payroll deduction. All supplemental coverage ceases at age 70.

19 Supplemental Life Insurance Individuals previously enrolled in the Attained Age Rated Supplemental Life Insurance Plan whose coverage has not lapsed for nonpayment of premium, or otherwise terminated must: 1) re-enroll in the new Graded Death Benefit Supplemental Life Insurance Plan between October 15, 2012 and November 15, 2012; 2) answer the two health questions on the enrollment form: a. If the answer is no to both health questions, the employee will be accepted for the requested amount of premium and corresponding coverage. b. If the answer is yes to either health question, the employee will be covered up to, but not exceeding, their current amount of coverage but not less than the $10 biweekly premium amount. Individuals who are not current on premium or not previously enrolled in the Supplemental Life Insurance Plan must complete an enrollment form and an Evidence of Insurability (EOI) form.

20 Supplemental Life Insurance The following questions must be answered on second page of the enrollment form to apply for Supplemental Life Insurance: 1. Within the past 5 years, have you received treatment for or been diagnosed as having any of the following: cancer; diabetes; stroke; nervous system or neuromuscular disease or disorder; blood disease or disorder; kidney disease or failure; liver disease or hepatitis (other than type A); lung disease; any condition of the heart, arteries, or brain; alcoholism or drug addiction? 2. Have you tested positive for any of the following: HIV; AIDS; ARC; or any immunological disorder? If the answer is yes to either question, you are not eligible for Supplemental Life Insurance coverage.

21 Supplemental Life Insurance The premium for supplemental coverage is elected by the employee when they apply for Supplemental coverage. That premium will not change as the employee ages, however the benefit will. The employee may apply for a different premium at a future time if they wish to, but changes that increase the benefit will be subject to acceptable evidence of insurability. Graded Death Benefit Bi-Weekly Premium Age Band $10.00 $15.00 $20.00 $25.00 <30 $60,000 $90,000 $120,000 $150, $45,000 $67,500 $90,000 $112, $30,000 $45,000 $60,000 $75, $15,000 $22,500 $30,000 $37, $10,000 $12,500 $15,000 $20,000

22 Supplemental Life Insurance As you can see, this Supplemental program will be: easier to fit into your budget more economical easy to enroll for a great program for ease of mind

23 Definitions Federated States of Micronesia Group Life Insurance Program

24 Definitions Active Employee An active employee is currently performing all duties of his or her job with the Employer. This job may be at either: (1) the Employer s normal place of employment; or (2) at some other location to which the regular business operations of the Employer require that person to go. An employee who is on leave of absence due to his or her own illness, injury, or sickness on his/her eligibility date is not considered an Active Employee. Any such disabled employee shall not be eligible to enroll for new and/or additional amounts of coverage until his or her return to fulltime work. For purposes of this coverage, an active, full-time employee must be: (1) scheduled to work for the Employer at least 20 hours each week and (2) on the regular payroll of the Covered Employer for that work.

25 Definitions Base Annual Salary An employee s base annual salary is the employee s regularly scheduled annual earnings from the Employer. This amount does not include overtime pay, commissions, bonuses or other special compensation. Effective Date The effective date of coverage for eligible employees and/or dependents will be the first day that the employee/dependent is eligible as long as enrollment forms and all requirements are met within the first 61 days of eligibility. The coverage effective date will be deferred if, on the date it is due to take effect, the employee is not an Active Employee. If an employee s or dependent s enrollment requires evidence of insurability, the requested employee or dependent coverage will be effective upon the date of written approval from the Insurance Company.

26 Definitions Eligible Dependents: Spouse: An individual that is an eligible employee s spouse (if not divorced or separated) or common-law spouse (if not separated). Child: An unmarried child or children (under 19 years of age or under 25 years of age and a Full-Time Student) who depends upon the insured person for more than 50% of his or her support and currently lives with and has lived continuously with insured person since birth (for naturally born children), or continuously for at least the last 2 years (for all other children), in a regular parent-child relationship Full-Time Student: A student is considered full-time when attending a college, university or trade school on a regular, full-time basis, excluding school vacation periods that interrupt, but do not terminate, a continuous course of study. A dependent will not include anyone who is on active duty in the armed forces of any country.

27 Definitions Eligible Employee All active, full-time employees of the Employer regularly working at least 20 hours per week are eligible for coverage under the Group Life Insurance program. The eligibility date will be deferred if on the calculated date of eligibility, the employee is not an Active Employee. New employees must be enrolled within 61 days of eligibility to avoid medical underwriting. Enrollment Period Enrollment is making a written request for coverage. An enrollment for coverage can be made on either a Timely or Late basis. An enrollment must be received by the authorized representative of IAC within 61 days after the employee and/or dependent becomes eligible for coverage to be considered Timely. Late enrollments, received more than 61 days after initial eligibility, must complete an Evidence of Insurability Form and go through medical underwriting.

28 Definitions Evidence of Insurability Late entrants enrolling after the initial enrollment period must submit an evidence of insurability form. This form requires the employee, spouse and/or child to answer medical questions. A physical examination may be required. This information will be used by the Insurance Company for medical underwriting. If an employee s, spouse s or child s enrollment requires evidence of insurability, the enrolled employee, spouse or child coverage will be effective upon the date of written approval from the Insurance Company. Late Entrant An enrollment will be considered late if the completed and signed form is not received by the authorized representative of the Insurer within 61 days after the employee and/or dependent becomes eligible for the coverage. All late entrants must complete an Evidence of Insurability Form.

29 Conversion Privilege If an insured employee or dependent were no longer eligible for Basic Life Insurance coverage or Dependent Life Insurance coverage, a conversion policy will be made available for insured employees and dependents who meet the requirements listed in the Master Group Insurance Policy. The local IAC General Agent will assist the employee with the completion of the application or any questions regarding a conversion. The conversion option does not apply to the Supplemental Life Insurance coverage.

30 Contract Provisions It is understood that if the FSM adds or removes a government agency, department, or organized group of employees or adds, modifies, or removes provisions affecting eligibility requirements under the Master Group Insurance Policy during the Policy rate guarantee period, the Insurance Company may change the premium rates. This may cause the cost of the coverage to change for all enrolled employees.

31 Contract Provisions The contents of this presentation and any written marketing materials are subject to the provisions of the Master Group Insurance Policy between the Federated States of Micronesia and Individual Assurance Company. This is a summary of the provisions and is not a contract. Refer to the Policy for exact coverage details, limitations and exclusions. For a copy of your Certificate, see your Personnel Department.

32 When to Enroll Federated States of Micronesia Group Life Insurance Program

33 Current Enrollees All employees currently enrolled in the group life insurance plan are recommended to re-enroll. This is an opportunity to: confirm your interest in the program. update or confirm your elections for dependent coverage. update or confirm your elections for beneficiaries. enroll or re-enroll in the new Supplemental Group Life insurance program already described. All employees currently enrolled in supplemental life insurance and are current on their premiums must reenroll to select the new supplemental program. This was explained in detail earlier in this presentation.

34 Eligibility Requirements Newly eligible employees and/or dependents have 61 days after first becoming eligible to enroll as Timely Entrants. The enrollment must be received by an authorized representative of IAC within those first 61 days after eligibility to be considered Timely. The rule for Timely Entrants applies to Basic, Supplemental and Dependent Life Insurance coverages.

35 Eligibility Requirements Dependents are eligible upon: 1. The eligibility date of the eligible employee, 2. The date of marriage, and/or 3. The date of child s birth or legal adoption (coverage begins at 15 days old).

36 Late Entrants Late enrollments for employees and/or dependents, received more than 61 days after initial eligibility, must complete an Evidence of Insurability Form and go through medical underwriting. For Dependent Life Insurance, the Evidence of Insurability Form must be filled out by the dependent, or on behalf of the dependent in the case of a dependent child. Coverage is effective on the date approved by the IAC Underwriting Department.

37 How to Enroll Federated States of Micronesia Group Life Insurance Program

38 Employee Enrollment Form Personal Information

39 Employee Enrollment Form Basic Life Insurance Coverage

40 Employee Enrollment Form Dependent Life Insurance Coverage

41 Employee Enrollment Form Supplemental Life Insurance Coverage

42 Employee Enrollment Form Insurance Authorization

43 Insurance Premiums Federated States of Micronesia Group Life Insurance Program

44 Employee Enrollment Form BASIC LIFE INSURANCE BI-WEEKLY PREMIUMS Coverage is based on the Employee s salary multiplied by their employer s selected multiplier and adjusted, if applicable, by the Employee s age. Contact your employer for details. $0.45 per $1,000 of Life Insurance Coverage Employer pays a portion of the Basic Life Insurance Premium. Contact your employer for details. Please contact your employer for details if they have selected the Flat Rate or Monthly Option.

45 Employee Enrollment Form SUPPLEMENTAL LIFE INSURANCE BI-WEEKLY PREMIUMS AND BENEFITS Graded Death Benefit Plan (Benefit determined by selected premium and current employee age) Bi-Weekly Premium Age Band $10.00 $15.00 $20.00 $25.00 <30 $60,000 $90,000 $120,000 $150, $45,000 $67,500 $90,000 $112, $30,000 $45,000 $60,000 $75, $15,000 $22,500 $30,000 $37, $10,000 $12,500 $15,000 $20,000

46 Employee Enrollment Form Dependent Life Insurance Biweekly Rates (Benefit and premium determined by Employee selected option) Option A Option B Option C Bi-weekly Premium $9.75 $6.45 $6.50 Coverage on Spouse $10,000 $10,000 None Coverage on Children $3,000 None $3,000 Coverage on Children is from Age 15 days through 18 years. (24 years if a full time student.)

47 Questions and Answers Federated States of Micronesia Group Life Insurance Program

48 Employee Enrollment Form Once your enrollment form is complete, turn it in to your Personnel Office. Be sure to keep a copy for your records. Your payroll stub will reflect your elections. It is your responsibility to make sure it is correct. If you find an error, contact your HR and Payroll Department immediately so that it may be corrected. Be sure to check your payroll stub on a regular basis, especially after any change you request that you are approved for. Thank you for your enrollment. IAC is committed to protecting the lives of you and your family.

49 Thank you for your participation! Individual Assurance Company Life, Health & Accident 2400 West 75th Street, Suite 201 Prairie Village, Kansas Federated States of Micronesia Group Life Insurance Program

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