Up to $3 million life insurance protection now available exclusively to State Bar members at special group rates

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1 OVERVIEW Up to $3 million life insurance protection now available exclusively to State Bar members at special group rates Level Term Life Insurance is simple, no-frills protection. You pay an annual premium and, in return, have the comfort of knowing that for at least the next 10 or 20 years, your loved ones would have the support of much-needed financial help if they were to unexpectedly lose you. Level rate for 10 or 20 years This is called Level Term Life Insurance because your premium is scheduled to remain the same, or level, for the initial 10- or 20-year term of the plan. Your premium will not increase during the initial term due to your age or health status. The insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy. After the initial 10- or 20-year period, if you are under age 70, you have the option of applying for a new level premium term life plan by providing satisfactory evidence of insurability. Eligibility If you are a State Bar member, age 70 or under, you may apply for up to $3,000,000 in coverage. Your lawful eligible spouse/ domestic partner, also under age 70, is also eligible to apply for up to $3,000,000 coverage. Effective date Your insurance will take effect on the first day of the month following carrier approval, provided the initial premium contribution is paid within 31 days after the date you are billed (send no money now). You and your spouse/domestic partner, if applying, must be able to perform the normal activities of a person of like age and sex with like occupation or retired status on the date your insurance is to take effect. If you are not, such insurance will take effect on the day you resume such activities. You and your spouse/ domestic partner, if applying, must also not be hospitalized on the date your insurance is to take effect. If so, insurance will take effect on the day after you are discharged. If a medical exam is required, American General Life Insurance Company will pay an authorized amount toward its cost. You can never be singled out for a rate increase, and your coverage won t be canceled because of changes in your health. American General Life Insurance Company reserves the right to terminate the group policy and all certificates thereunder, as well as the right to change the premium rate structure on a group basis for new certificates issued after such a rate change becomes effective. Any such rate change will not affect premiums for the remaining original term period of certificates issued before the change became effective. Valuable Living Benefit (Accelerated Death Benefit) Provision The Accelerated Death Benefit option is available to help terminally ill insureds during a difficult and often financially challenging time. Under this provision, after 180 consecutive days of being insured under the group policy, if you or your spouse/domestic partner, if applying, become terminally ill and have a life expectancy of six months or fewer and are not expected to recover, you may request a one-time advance payment equal to the lesser of 60% of your life insurance amount or $250,000, less a discount for requesting the benefit. Payment only applies when the terminally ill person is alive, and this benefit is available as long as at least 18 months remain on the term period. This money can be used to help cover prescription drug costs, medical bills, outstanding debts, the cost of modifications to your home or for a family vacation. It s up to you. The remaining benefit will still be payable to your beneficiary after your death. Accelerated Death Benefits are not payable if the insured has made an absolute assignment of his or her life insurance under the group policy; all or part of the insured s life insurance under the group is to be paid to his or her child(ren) or former spouse as part of a court-approved divorce agreement; the insurance company does not receive written consent by any irrevocable beneficiary; or the terminal illness is a result of intentional self-inflicted injury or attempted suicide. Receipt of Accelerated Death Benefits may be taxable. Consult your personal tax advisor for specific details. To qualify, a terminally ill insured must provide American General Life Insurance Company with proof of terminal illness, as well as any other necessary medical information requested. For additional details and limitations, including information on how the Accelerated Death Benefit is calculated, please see the Certificate of Insurance.

2 OVERVIEW Conversion option If your insurance ends for a reason other than non-payment of premium, you may buy an individual life insurance policy from the company during the conversion period without providing evidence of insurability. The amount of the new policy will depend upon the reason your insurance has ended, and it may be any type of policy form, then being issued by the company, that does not provide term insurance or pay dividends. 30-day free look There s no obligation for you when you apply for this important State Bar member benefit. Upon approval of your coverage, you ll receive a Certificate of Insurance. Look it over and, if you re not completely satisfied, just return it within 30 days and request cancellation of your coverage. You ll receive a full refund of any premiums paid - no hassles and no questions asked. When your coverage ends Coverage will end when the insured person reaches age 80 or earlier if a) premiums are not paid when due, b) the group policy is terminated or modified by American General Life Insurance Company or The State Bar of California to end insurance for the class of insureds to which the person belongs, c) the insured ceases to be a member of The State Bar of California or d) the insured requests to terminate insurance. Continue your coverage after your term ends If you are under age 70 at the end of your 10- or 20-year term, you may reapply for a new level term policy. If the application is approved in underwriting, you will be issued a new certificate based upon your age at that time. For other conversions or exchanges, see the Certificate of Insurance. Exclusions and limitations If your death is the result of suicide during the first two years of coverage, benefits are limited to return of premiums paid, plus interest. If your age, sex or any other data is misstated on the application, the correct data will be used to determine if insurance is in force. If insurance is in force, the premium and/or benefits will be adjusted according to the facts. Questions: Call the plan administrator at FREQUENTLY ASKED QUESTIONS What is Level Term Life Insurance? Level Term Life Insurance is simple, no-frills protection that you lock in for a set period of time (the term). With this policy, you may select a term of either 10 or 20 years, depending upon your needs. During that period, you pay a set premium and, in return, know that if your loved ones were to unexpectedly lose you, they would at least have the financial help of the insurance benefit you have arranged for them. Level means that your premium is scheduled to remain the same, or level, for the initial 10- or 20-year term of the plan. If my health changes, does my cost go up? No. Your premium will not increase during the initial 10- or 20-year term, regardless of any changes in your health. What is the benefit of group rates? As a State Bar member, you are part of a very large group, which means you enjoy group purchasing power that brings you the convenience of coverage that is quick and easy to apply for while also keeping your cost economical. Do I need to take a medical exam? Typically no medical exam is needed to apply, just the answers to the few health questions on the application. Issuance of a Certificate of Insurance or payment of benefits may depend upon the answers given in the application and the truthfulness thereof. When do I pay for coverage? Send no money now. As soon as you are approved, we will send you a Certificate of Insurance along with your premium notice. What if I apply, then change my mind? If you change your mind, you can return your certificate within 30 days and get a full refund of any premium paid no questions asked. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. A-903,002 and A-903,003; Form No. AGL11000 (1/10). Coverage may vary or may not be available in all states.

3 RATE CHARTS Monthly Rates for 10-Year Plan Issue Age $3,000,000 $2,000,000 $1,000,000 Male Female Male Female Male Female 30 $67.50 $60.00 $45.00 $40.00 $22.50 $ $70.00 $62.50 $46.67 $41.67 $23.33 $ $70.00 $65.00 $46.67 $43.33 $23.33 $ $72.50 $65.00 $48.33 $43.33 $24.17 $ $72.50 $67.50 $48.33 $45.00 $24.17 $ $75.00 $67.50 $50.00 $45.00 $25.00 $ $77.50 $70.00 $51.67 $46.67 $25.83 $ $82.50 $75.00 $55.00 $50.00 $27.50 $ $87.50 $80.00 $58.33 $53.33 $29.17 $ $92.50 $82.50 $61.67 $55.00 $30.83 $ $97.50 $87.50 $65.00 $58.33 $32.50 $ $ $95.00 $70.00 $63.33 $35.00 $ $ $ $76.67 $66.67 $38.33 $ $ $ $81.67 $71.67 $40.83 $ $ $ $90.00 $78.33 $45.00 $ $ $ $96.67 $83.33 $48.33 $ $ $ $ $90.00 $53.33 $ $ $ $ $98.33 $58.33 $ $ $ $ $ $63.33 $ $ $ $ $ $69.17 $ $ $ $ $ $75.83 $ $ $ $ $ $83.33 $ $ $ $ $ $91.67 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $130.83

4 Monthly Rates for 10-Year Plan (Continued) Issue Age $500,000 $250,000 Male Female Male Female 30 $14.17 $13.33 $8.54 $ $14.17 $13.75 $8.54 $ $14.58 $13.75 $8.75 $ $14.58 $14.17 $8.75 $ $15.00 $14.17 $8.96 $ $15.00 $14.58 $8.96 $ $15.83 $15.00 $9.17 $ $16.67 $15.42 $9.58 $ $17.50 $16.25 $10.00 $ $18.33 $17.08 $10.42 $ $19.58 $17.50 $10.83 $ $20.83 $18.75 $11.67 $ $22.08 $20.42 $12.29 $ $24.17 $21.25 $13.13 $ $25.83 $23.33 $13.96 $ $27.92 $24.58 $15.00 $ $30.42 $26.25 $16.25 $ $33.33 $27.92 $17.50 $ $36.25 $30.00 $18.96 $ $40.00 $32.08 $20.63 $ $44.17 $35.42 $22.29 $ $47.92 $37.92 $24.17 $ $52.50 $40.42 $26.46 $ $58.75 $46.67 $29.79 $ $63.33 $49.58 $32.08 $ $68.33 $52.50 $34.58 $ $74.17 $55.42 $37.50 $ $80.42 $58.75 $40.63 $ $87.08 $62.08 $43.96 $ $94.58 $66.25 $47.71 $33.33 The cost of this life insurance is based upon the member s and spouse s/domestic partner s gender, amount of insurance requested, usage of tobacco/nicotine products, health status and attained age on the date coverage is issued. Only nonsmokers meeting the highest underwriting standards will qualify for Preferred Plus rates. Other nonsmokers may qualify for the higher Preferred or Standard rates. (Note: Smokers may only qualify for Tobacco rates.) Upon approval of your application, you will be notified of the rate classification for each approved person. For your convenience, you will be billed quarterly. Coverage terminates at age 80.

5 RATE CHARTS Monthly Rates for 20-Year Plan Issue Age $3,000,000 $2,000,000 $1,000,000 Male Female Male Female Male Female 30 $ $92.50 $71.67 $61.67 $35.83 $ $ $95.00 $73.33 $63.33 $36.67 $ $ $ $76.67 $66.67 $38.33 $ $ $ $78.33 $70.00 $39.17 $ $ $ $80.00 $71.67 $40.00 $ $ $ $81.67 $75.00 $40.83 $ $ $ $86.67 $78.33 $43.33 $ $ $ $93.33 $83.33 $46.67 $ $ $ $98.33 $88.33 $49.17 $ $ $ $ $93.33 $51.67 $ $ $ $ $96.67 $55.00 $ $ $ $ $ $61.67 $ $ $ $ $ $68.33 $ $ $ $ $ $76.67 $ $ $ $ $ $85.83 $ $ $ $ $ $96.67 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $230.83

6 Monthly Rates for 20-Year Plan (Continued) Issue Age $500,000 $250,000 Male Female Male Female 30 $19.58 $17.50 $11.67 $ $20.42 $18.33 $11.88 $ $21.25 $18.75 $12.50 $ $22.08 $19.58 $12.92 $ $23.33 $20.42 $13.33 $ $24.17 $21.25 $13.96 $ $25.42 $22.08 $14.38 $ $26.67 $23.33 $15.21 $ $27.92 $24.17 $15.63 $ $29.17 $25.42 $16.46 $ $30.83 $27.08 $17.08 $ $33.33 $29.17 $18.54 $ $37.08 $31.67 $20.21 $ $40.42 $34.17 $22.08 $ $44.58 $37.08 $23.96 $ $49.17 $40.42 $26.46 $ $53.33 $42.92 $30.63 $ $57.92 $45.83 $32.71 $ $62.50 $48.75 $35.00 $ $73.33 $57.92 $37.29 $ $78.75 $61.25 $40.00 $ $84.17 $65.42 $42.92 $ $90.42 $70.00 $46.04 $ $97.50 $75.00 $49.58 $ $ $80.00 $53.33 $ $ $86.25 $57.50 $ $ $93.33 $63.13 $ $ $ $69.58 $ $ $ $76.67 $ $ $ $84.79 $60.21 The cost of this life insurance is based upon the member s and spouse s/domestic partner s gender, amount of insurance requested, usage of tobacco/nicotine products, health status and attained age on the date coverage is issued. Only nonsmokers meeting the highest underwriting standards will qualify for Preferred Plus rates. Other nonsmokers may qualify for the higher Preferred or Standard rates. (Note: Smokers may only qualify for Tobacco rates.) Upon approval of your application, you will be notified of the rate classification for each approved person. For your convenience, you will be billed quarterly. Coverage terminates at age 80.

7 Administered by: Mercer Consumer, a service of Mercer Health & Benefits Administration LLC Insurance Program Management Meredith Drive Urbandale, IA This plan is underwritten by the American General Life Insurance Company, NAIC No domiciled in the state of Texas with a principal place of business of 2727-A Allen Parkway, Houston, TX It is currently authorized to transact business in all states, plus DC and PR, except NY. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations of Group Policy Nos. A-903,002 and A-903,003; Form No. AGL11001 (1/10). Coverage may vary or may not be available in all states. The underwriting risks, financial and contractual obligations and support associated with products issued by American General Life Insurance Company are its responsibility. The State Bar receives sponsorship fees from insurance programs to offset the costs of program oversight, support member benefits and subsidize approved programs. For more details, visit the State Bar website: Important Note: This rate chart is an example of Preferred Plus nonsmoker rates for ages To obtain a rate quote for nonsmoker rates ages 20-29, smoker rates or rates for ages 60-69, please call toll-free For your convenience, you will be billed quarterly. Coverage terminates at age 80. AG (12/13)