Your Group Life Insurance Benefits Protecting your greatest asset - your family

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1 Page 1 of 6 Basic and Supplemental Term Life Basic and Supplemental Accidental Death and Personal Loss Coverage (AD&D Ultra ) Your Group Life Insurance Benefits Protecting your greatest asset - your family Am I eligible for Coverage? You qualify if you are an active full-time employee. You must be working in an eligible group as defined by your employer. If you are a new hire or have not been previously covered by your employer s plan, you may need to complete a probationary or waiting period before your coverage begins. When does my coverage begin? Your coverage up to the Guaranteed Issue Amounts will begin on the plan effective date, if you are actively at work.* Coverage that requires proof of good health will begin after Aetna reviews and approves your "EOI" form. The "Guaranteed Issue Amount" is the most coverage you can get without having to provide proof of good health, known as "EOI". *Please review your policy documents for more information. You will have to provide proof of good health (EOI) for amounts over the "Guaranteed Issue Amounts". If Aetna does not approve your Evidence of Insurability (EOI) form, your coverage will be limited to the "Guaranteed Issue Amount". If you enroll late, you will need to provide proof of good health and be approved by Aetna to get any coverage. Can I buy coverage and how much will it cost? You can buy additional coverage called Supplemental Life insurance for yourself and your spouse and children. You can purchase Supplemental AD&D Ultra coverage for yourself and your spouse and children.

2 Page 2 of 6 Supplemental Life Coverage* You Coverage Amounts Increments of $10,000 up to a maximum* of $500,000 Guaranteed Issue Amounts $80,000 Your Spouse $5,000 up to a maximum* of $250,000 $50,000 Child(ren) Birth to 6 months: $250; over 6 months: $2,500 $2,500 Employee must buy supplemental life coverage to buy dependent life coverage. Dependent coverage cannot exceed 50% of employee s coverage amount. Please consult your policy documents for more information. Dependent child from live birth to age 25 Monthly Rates for Term Life Insurance (rate per $1,000) Age Employee Spouse <19 $0.080 $ $0.080 $ $0.080 $ $0.100 $ $0.110 $ $0.160 $ $0.230 $ $0.390 $ $0.650 $ $0.890 $ $1.530 $ $2.480 $ $2.480 $2.480 Child(ren): $0.480 per $2,500 of coverage

3 Page 3 of 6 Supplemental AD&D Ultra Coverage You Coverage Amounts Increments of $10,000 up to a maximum of $500,000 Supplemental AD&D Monthly Rates Employee rate is $0.040 per $1,000 of coverage. Your Increments of $5,000 up to a Spouse rate is $0.040 per $1,000 of coverage. Spouse maximum of $25,000 Child(ren) rate is $0.040 per $1,000 of coverage. Child(ren) $2,500 Reductions that apply to Life Insurance Your coverage will reduce as you age. Your coverage will reduce as follows: At age 70 your coverage will reduce to 65% of the original amount. At age 75 your coverage will reduce to 50% of the original amount. What additional features should I know about? Waiver of Premium Provision for Permanently and Totally Disabled Employees Accelerated Death Benefit Provision (Included in all Aetna Life Insurance plans) AD&D Ultra Features A benefit is paid to your surviving spouse/domestic partner or dependent children if you die in an accident. Conversion If your coverage ends or is reduced, you can convert your term life policy to a Whole Life Policy. If you are unable to work at any reasonable job (any which you are suited to perform due to education, training or experience), you may be eligible to have your life insurance coverage extended at no cost. You and your spouse may be eligible to receive up to 75% of your (combined basic and supplemental) life insurance coverage if diagnosed with a terminal or serious medical condition. Seatbelt/airbag benefits: If you or your dependent die from a motor vehicle accident while wearing a seatbelt, a benefit is paid. An added benefit is paid if an airbag inflated. Educational benefit: For your spouse and each eligible dependent child under 23. Childcare Benefit: For each dependent child under 13 to help pay for childcare. Repatriation of Mortal Remains: If you or your dependent die in an accident 200 miles or more from home, a benefit will be paid to transport the body to your hometown funeral home. You may convert your basic and/or supplemental coverage into a Whole Life Policy with rates based on your age at that time by paying premiums directly to Aetna. Whole life insurance is generally more expensive than term insurance so a change in your premium may apply. You will have 31 days to convert your coverage without answering any medical questions.

4 Page 4 of 6 Portability If you leave your employer, you can take your term life plan with you. Aetna Life Essentials (Included in all Aetna Life Insurance plans) Funeral Planning and Concierge Services You have an additional option to conversion. You can continue your supplemental life insurance as a term policy by paying premiums directly to Aetna. Term insurance is generally less expensive than Whole Life insurance but your rates will increase as you reach higher age bands. You will have 31 days to convert or port your coverage without answering any medical questions. Legal: Create a will, living will, health care directive or a durable/financial power of attorney. Financial: Financial planning to help your beneficiaries maximize their life/ad&d Ultra payment. Emotional: Master-level social workers provide emotional support in the event of an advanced illness or disabling condition. Physical: Save on gym memberships, fitness equipment, eyeglasses, contact lenses and hearing aids. Advisory Assistance to help you and your family make decisions on all funeral-related issues. Planning advice and cost-comparison tools available 24/7 by phone and online. For your convenience, please use the exhibit below to calculate additional coverage / premium amounts for you and your family. Premium Table Calculator Rate Per $1,000 Calculator Amount of Premium Rate per Amount of Premium Age Coverage Amount $1,000 of coverage Coverage/1,000 Amount Employee $ = $ $ x = $ Spouse $ = $ $ x = $ Child(ren) $ = $ $ x = $ Total Cost $ Total Cost $

5 Page 5 of 6 Supplemental Term Life Employee Coverage Amounts and Monthly Premiums Age $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 <19 $4.00 $4.80 $5.60 $6.40 $7.20 $8.00 $8.80 $9.60 $ $4.00 $4.80 $5.60 $6.40 $7.20 $8.00 $8.80 $9.60 $ $4.00 $4.80 $5.60 $6.40 $7.20 $8.00 $8.80 $9.60 $ $5.00 $6.00 $7.00 $8.00 $9.00 $10.00 $11.00 $12.00 $ $5.50 $6.60 $7.70 $8.80 $9.90 $11.00 $12.10 $13.20 $ $8.00 $9.60 $11.20 $12.80 $14.40 $16.00 $17.60 $19.20 $ $11.50 $13.80 $16.10 $18.40 $20.70 $23.00 $25.30 $27.60 $ $19.50 $23.40 $27.30 $31.20 $35.10 $39.00 $42.90 $46.80 $ $32.50 $39.00 $45.50 $52.00 $58.50 $65.00 $71.50 $78.00 $ $44.50 $53.40 $62.30 $71.20 $80.10 $89.00 $97.90 $ $ $76.50 $91.80 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Supplemental Term Life Employee Coverage Amounts and Monthly Premiums Age $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 <19 $11.20 $12.00 $12.80 $13.60 $14.40 $15.20 $16.00 $16.80 $ $11.20 $12.00 $12.80 $13.60 $14.40 $15.20 $16.00 $16.80 $ $11.20 $12.00 $12.80 $13.60 $14.40 $15.20 $16.00 $16.80 $ $14.00 $15.00 $16.00 $17.00 $18.00 $19.00 $20.00 $21.00 $ $15.40 $16.50 $17.60 $18.70 $19.80 $20.90 $22.00 $23.10 $ $22.40 $24.00 $25.60 $27.20 $28.80 $30.40 $32.00 $33.60 $ $32.20 $34.50 $36.80 $39.10 $41.40 $43.70 $46.00 $48.30 $ $54.60 $58.50 $62.40 $66.30 $70.20 $74.10 $78.00 $81.90 $ $91.00 $97.50 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $545.60

6 Page 6 of 6 Supplemental Term Life Employee Coverage Amounts and Monthly Premiums Age $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 <19 $18.40 $19.20 $20.00 $20.80 $21.60 $22.40 $23.20 $ $18.40 $19.20 $20.00 $20.80 $21.60 $22.40 $23.20 $ $18.40 $19.20 $20.00 $20.80 $21.60 $22.40 $23.20 $ $23.00 $24.00 $25.00 $26.00 $27.00 $28.00 $29.00 $ $25.30 $26.40 $27.50 $28.60 $29.70 $30.80 $31.90 $ $36.80 $38.40 $40.00 $41.60 $43.20 $44.80 $46.40 $ $52.90 $55.20 $57.50 $59.80 $62.10 $64.40 $66.70 $ $89.70 $93.60 $97.50 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $744.00