City of Boston Employees

Transcription

1 City of Boston Empoyees Features of Coonia Life Benefits Coverage is avaiabe for your spouse and chidren with most products. Benefits are paid directy to you, uness you specify otherwise. With most pans, you can continue coverage when you retire or change jobs, with no increase in premiums. With most pans you receive benefits regardess of any other insurance you may have with other insurance companies.

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3 Contents Coonia Life s Short-Term Disabiity Insurance...page 2 Coonia Life s Accident Insurance...page 4 Coonia Life s Cancer Insurance...page 8 Coonia Life s Critica Iness...page 10 Coonia Life s Universa Life Insurance...page 12 Coonia Life s Juvenie Universa Life Insurance...page 14 Coonia Life s Whoe Life Insurance...page 16 Coonia Life s Compimentary AD&D Insurance and WeCard...page 18 Take Charge of Your Heath: Know Your Numbers...page 19 1

4 Short-Term Disabiity Insurance How ong coud you afford to go without a paycheck? Hep protect your paycheck with Coonia Life s short-term disabiity insurance. You use your paycheck mainy to pay for your home, your car, groceries, medica bis and utiities. What if you coudn t go to work due to an accident or sickness? Monthy Expenses: $ $ $ $ $ $ Tota $ My Coverage Worksheet (For use with your Coonia Life Benefits Counseor) How much coverage do I need? On-Job Accident and On-Job Sickness $ Off-Job Accident and Off-Job Sickness $ How ong wi I receive benefits? Tota Disabiity: months When wi my benefits start? After an Accident: days After a Sickness: days How much wi it cost? Your cost wi vary based on the eve of coverage you seect. Disabiity 1000-MA What additiona features are incuded? Waiver of Premium Wordwide Coverage 2

5 Here are some frequenty asked questions about Coonia Life s disabiity insurance: Wi my disabiity income payment be reduced if I have other insurance? You re paid regardess of any other insurance you may have with other insurance companies. Benefits are paid directy to you (uness you specify otherwise). When am I considered totay disabed? Totay disabed means you are: Unabe to perform the materia and substantia duties of your job; Not working at any job; and Under the reguar and appropriate care of a doctor What if I change empoyers? If you change jobs or eave your empoyer, you can take your coverage with you at no additiona cost. Your coverage is guaranteed renewabe to age 70 as ong as you continue to pay your premiums when they are due. What is a pre-existing condition? A pre-existing condition is when you have a sickness or physica condition for which you were treated, had medica testing, received medica advice or had taken medication within 12 months before the effective date of the poicy. If you become disabed because of a pre-existing condition, we wi not pay for any disabiity period if it begins during the first 12 months the poicy is in force. Can my premium change? You may choose the amount of coverage to meet your needs (subject to your income). You can eect more or ess coverage which wi change your premium. Coonia Life can change your premium ony if we change it on a poicies of this kind in the state where your poicy was issued. What is a covered accident or a covered sickness? A covered accident is an accident. A covered sickness means an iness, infection, disease, pregnancy, compications of pregnancy or any other abnorma physica condition, not caused by an injury: A covered accident or covered sickness: Occurs after the effective date of the poicy; Is of a type isted on the Poicy Schedue; Occurs whie the poicy is in force; and Is not excuded by specific name or specific description in the poicy. How do I fie a caim? Visit cooniaife.com or ca our Poicyhoder Service Center at for additiona information. Disabiity 1000-MA EXCLUSIONS We wi not pay benefits for osses that are caused by or are the resut of: acohoism or drug addiction; feonies or iega occupations; fying; giving birth within the first nine months after the effective date of the poicy; hazardous avocations; having a pre-existing condition as described and imited by the poicy; psychiatric or psychoogica conditions; racing; semi-professiona or professiona sports; suicide or sef-inficted injuries; war or armed confict. For cost and compete detais, see your Coonia Life benefits counseor. Appicabe to poicy form DIS1000-MA. This is not an insurance contract and ony the actua poicy provisions wi contro. Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2011 Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. Coonia Life and Making benefits count are registered service marks of Coonia Life & Accident Insurance Company. 5/

6 Accident Insurance Accidents happen in paces where you and your famiy spend the most time at work, in the home and on the payground and they re unexpected. How you care for them shoudn t be. In your ifetime, which of these accidenta injuries have happened to you or someone you know? Sports-reated accidenta injury Broken bone Burn Concussion Laceration Back or knee injuries Car accidents Fas & spis Disocation Accidenta injuries that send you to the Emergency Room, Urgent Care or doctor s office Coonia Life s Accident Insurance is designed to hep you fi some of the gaps caused by increasing deductibes, co-payments and out-of-pocket costs reated to an accidenta injury. The benefit to you is that you may not need to use your savings or secure a oan to pay expenses. Pus you fee better knowing you can have greater financia security. Accident 1.0 -Preferred with Heath Screening Benefit-MA What additiona features are incuded? Wordwide coverage Portabe Compiant with Heathcare Spending Account (HSA) guideines Wi my accident caim payment be reduced if I have other insurance? You re paid regardess of any other insurance you may have with other insurance companies, and the benefits are paid directy to you (uness you specify otherwise). What if I change empoyers? If you change jobs or eave your empoyer, you can take your coverage with you at no additiona cost. Your coverage is non-canceabe. Can my premium change? Coonia Life has no right to change the premiums we charge on the poicy. How do I fie a caim? Visit cooniaife.com or ca our Customer Service Department at for additiona information. 4

7 Benefits isted are for each covered person per covered bodiy injury uness otherwise specified. Initia Care Accident Emergency Treatment... $125 Ambuance...$200 X-ray Benefit...$30 Air Ambuance... $2,000 Common Bodiy Injuries Disocations (Separated Joint) Non-Surgica Surgica Hip $2,200 $4,400 Knee (except patea) $1,100 $2,200 Anke Bone or Bones of the Foot (other than Toes) $880 $1,760 Coarbone (Sternocavicuar) $550 $1,100 Lower Jaw, Shouder, Ebow, Wrist $330 $660 Bone or Bones of the Hand $330 $660 Coarbone (Acromiocavicuar and Separation) $110 $220 One Toe or Finger $110 $220 Fractures Non-Surgica Surgica Depressed Sku $2,750 $5,500 Non-Depressed Sku $1,100 $2,200 Hip, Thigh $1,650 $3,300 Body of Vertebrae, Pevis, Leg $825 $1,650 Bones of Face or Nose (except mandibe or maxia) $385 $770 Upper Jaw, Maxia $385 $770 Upper Arm between Ebow and Shouder $385 $770 Lower Jaw, Mandibe, Kneecap, Anke, Foot $330 $660 Shouder Bade, Coarbone, Vertebra Process $330 $660 Forearm, Wrist, Hand $330 $660 Rib $275 $550 Coccyx $220 $440 Finger, Toe $110 $220 Your Coonia Life poicy aso provides benefits for the foowing injuries received as a resut of a covered bodiy injury. Burn (based on size and degree)...$1,000 to $12,000 Coma...$10,000 Concussion...$60 Emergency Denta Work...$75 Extraction, $300 Crown, Impant, or Denture Lacerations (based on size)...$30 to $500 Requires Surgery Eye Injury...$300 Tendon/Ligament/Rotator Cuff...$500 - one, $1,000 - two or more Ruptured Disc...$500 Torn Knee Cartiage...$500 Surgica Care Surgery (crania, open abdomina or thoracic)... $1,500 Surgery (hernia)...$150 Surgery (arthroscopic or exporatory)...$200 Bood/Pasma/Pateets...$300 5

8 Transportation/Lodging Assistance If injured, covered person must trave more than 50 mies from residence to receive specia treatment and confinement in a hospita. Transportation...$500 per round trip up to 3 round trips Lodging (famiy member or companion)...$125 per night up to 30 days for a hote/mote odging costs Accident Hospita Care Hospita Admission*...$1,000 per covered bodiy injury. Hospita ICU Admission*...$2,000 per covered bodiy injury * We wi pay either the Hospita Admission or Hospita Intensive Care Unit (ICU) Admission, but not both. Hospita Confinement...$225 per day up to 365 days per covered bodiy injury Hospita ICU Confinement... $450 per day up to 15 days per covered bodiy injury Accident Foow-Up Care Accident Foow-Up Doctor Visit...$50 (up to 3 visits per covered bodiy injury) Medica Imaging Study... $150 per covered bodiy injury (imit 1 per covered bodiy injury and 1 per caendar year) Occupationa or Physica Therapy... $25 per treatment up to 10 days Appiances... $100 (such as wheechair, crutches) Prosthetic Devices/Artificia Limb...$500 - one, $1,000 - more than 1 Rehabiitation Unit...$100 per day up to 15 days per covered bodiy injury, and 30 days per caendar year. Maximum of 30 days per caendar year Accidenta Dismemberment Loss of Finger/Toe...$750 one, $1,500 two or more Loss or Loss of Use of Hand/Foot/Sight of Eye...$7,500 one, $15,000 two or more Catastrophic Bodiy Injury For severe injuries that resut in the tota and irrecoverabe: Loss of one hand and one foot Loss of both hands or both feet Loss or oss of use of one arm and one eg or Loss or oss of use of both arms or both egs Loss of the sight of both eyes Loss of the hearing of both ears Loss of the abiity to speak Named Insured... $25,000 Spouse...$25,000 Chid(ren)...$12, day eimination period. Amounts reduced for covered persons age 65 and over. Payabe once per ifetime for each covered person. Accidenta Death Accidenta Death Common Carrier Named Insured $25,000 $100,000 Spouse $25,000 $100,000 Chid(ren) $5,000 $20,000 6

9 Heath Screening Benefit $50 per covered person per caendar year Provides a benefit if the covered person has one of the heath screening tests performed. This benefit is payabe once per caendar year per person. Tests incude:. Bood test for trigycerides. Bone marrow testing. Breast utrasound. CA 15-3 (bood test for breast cancer). CA125 (bood test for ovarian cancer). Carotid dopper. CEA (bood test for coon cancer). Chest x-ray. Coonoscopy. Echocardiogram (ECHO). Eectrocardiogram (EKG, ECG). Fasting bood gucose test. Fexibe sigmoidoscopy. Hemoccut stoo anaysis. Mammography. Pap smear. PSA (bood test for prostate cancer). Serum choestero test to determine eve of HDL and LDL. Serum protein eectrophoresis (bood test for myeoma). Stress test on a bicyce or treadmi. Skin cancer biopsy. Thermography. ThinPrep pap test. Virtua coonoscopy My Coverage Worksheet (For use with your Coonia Life benefits counseor) Who wi be covered? (check one) Empoyee Ony Spouse Ony One Chid Ony Empoyee & Spouse Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 10/11 One-Parent Famiy, with Empoyee One-Parent Famiy, with Spouse Two-Parent Famiy When are covered bodiy injury benefits avaiabe? (check one) On and Off -Job Benefits Off -Job Ony Benefits EXCLUSIONS We wi not pay benefits for osses that are caused by or are the resut of: hazardous avocations; feonies or iega occupations; racing; semi-professiona or professiona sports; sickness; suicide or sef-inficted injuries; war or armed confict; in addition to the excusions isted above, we aso wi not pay the Catastrophic Bodiy Injury benefit for injuries that are caused by or are the resut of: birth; intoxication. For cost and compete detais, see your Coonia Life benefits counseor. Appicabe to poicy form Accident 1.0-HS-MA. This is not an insurance contract and ony the actua poicy provisions wi contro Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. Coonia Life and Making benefits count are registered service marks of Coonia Life & Accident Insurance Company Accident 1.0 -Preferred with Heath Screening Benefit-MA 7

10 Cancer Insurance If diagnosed with cancer, how wi you pay for what your heath insurance won t? The risk of deveoping cancer, unfortunatey, is very rea. Neary everyone has experienced or knows somebody who has experienced a cancer diagnosis in their famiy. The good news is that cancer screenings and cancer-fighting technoogies have gotten a ot better in recent years. However, with advanced technoogy come high costs. Major medica heath insurance is a great start, but even with this essentia safety net, cancer sufferers can sti be hit with unexpected medica and non-medica expenses. Cancer coverage from Coonia Life offers the protection you need to concentrate on what is most important your care. Features of Coonia Life s Cancer Insurance: 1. Pays benefits to hep with the cost of cancer screening and cancer treatment. 2. Provides benefits to hep pay for the indirect costs associated with cancer, such as: Loss of wages or saary Deductibes and coinsurance Trave expenses to and from treatment centers Lodging and meas Chid care 3. Pays regardess of any other insurance you have with other insurance companies. 4. Provides a cancer screening benefit that you can use even if you are never diagnosed with cancer. 5. Guaranteed renewabe as ong as premiums are paid when due. 6. Benefits paid directy to you uness you specify otherwise. 7. You can take your coverage with you even if you change jobs or eave your empoyer. 8. Fexibe coverage options for empoyees and their famiies. Cancer

11 This is a brief description of some avaiabe benefits. We wi pay benefits if certain routine cancer screening tests are performed or if cancer is diagnosed after the waiting period and whie your poicy is in force. Cancer Screening Benefit Tests Pap Smear ThinPrep Pap Test 1 CA125 (Bood test for ovarian cancer) Mammography Breast Utrasound CA 15-3 (Bood test for breast cancer) PSA (Bood test for prostate cancer) Chest X-ray Biopsy of Skin Lesion Coonoscopy Virtua Coonoscopy Hemoccut Stoo Anaysis Fexibe Sigmoidoscopy CEA (Bood test for coon cancer) Bone Marrow Aspiration/Biopsy Thermography Serum Protein Eectrophoresis (Bood test for Myeoma) To fie a caim for a Cancer Screening Benefit test, it is not necessary to compete a caim form. Ca our to-free Customer Service number, , with the medica information. Additiona Invasive Diagnostic Procedure If abnorma resuts are received from a Cancer Screening Benefit test. Inpatient Benefits Hospita Confinement Ambuance Air Ambuance Private Fu-Time Nursing Service Treatment Benefits (In-or Outpatient) Radiation/Chemotherapy Antinausea Medication Bood/Pasma/Pateets/Immunogobuins Experimenta Treatment Hair Prosthesis/Externa Breast/Voice Box Prosthesis Supportive/Protective Care Drugs and Coony Stimuating Factors Medica Imaging Studies Bone Marrow Stem Ce Transpant Periphera Stem Ce Transpant Transportation/Lodging Benefits Transportation Companion Transportation Lodging Surgica Procedures Benefits Surgica Procedures (incuding skin cancer) Anesthesia (incuding skin cancer) Second Medica Opinion Reconstructive Surgery Prosthesis/Artificia Limb Outpatient Surgica Center Extended Care Benefits Famiy Care Hospice Home Heath Care Service Waiver of Premium Initia Diagnosis of Skin Cancer We wi pay this benefit for the first diagnosis of skin cancer. THIS IS A CANCER ONLY POLICY. This poicy has excusions and imitations. For cost and compete detais of the coverage, see your Coonia Life benefits counseor. Coverage may vary by state and may not be avaiabe in a states. Appicabe to poicy form C1000 (and state abbreviations where appicabe - for exampe: C1000-TX). Cancer 1000 Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 5/11 1 ThinPrep is a registered trademark of Cytyc Corporation Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. Coonia Life and Making benefits count are registered service marks of Coonia Life & Accident Insurance Company

12 Specified Disease Insurance for Critica Iness How wi you pay for what your heath insurance won t? Even those of us who pan for the unexpected with ife, disabiity and medica insurance may discover that some expenses can sti remain unpaid. Without adequate protection, sufferers of specified diseases or surgeries might have to pu from their savings or rey on other financia sources in their time of need. Critica Iness 1.0 with Cancer and Subsequent Diagnosis-MA Specified Disease Insurance heps fi the gaps in your heath insurance. With Coonia Life s Specified Disease Insurance, you re paid a benefit that can hep you cover: Deductibes, co-pays and co-insurance of your heath insurance Home heath care needs and househod modifications Trave expenses to and from treatment centers Lost income Rehabiitation Chid care expenses Everyday iving expenses You re free to use the benefit however you choose. And coverage is avaiabe for you and your eigibe famiy members. Covered Specified Diseases/Surgeries For this iness We wi pay this percentage of the face amount: Cancer 100% Heart Attack (Myocardia Infarction) 100% Stroke 100% Major Organ Faiure 100% End Stage Rena (Kidney) Faiure 100% Permanent Paraysis due to a Covered Bodiy Injury 100% Coma 100% Bindness 100% Coronary Artery Bypass Graft Surgery 25% Carcinoma in Situ 25% The Maximum Benefit Amount for this poicy is 3x the face amount for the Named Insured for a covered persons combined. The poicy wi terminate when the Maximum Benefit Amount for Specified Disease or Surgery has been paid. 10

13 You can use this coverage more than once Subsequent Diagnosis of a different Specified Disease If you receive a benefit for a Specified Disease or Surgery, and ater you are diagnosed with a different Specified Disease or Surgery, we wi pay the percentage of the origina face amount. Subsequent Diagnosis of the same Specified Disease If you receive a benefit for a Specified Disease or Surgery, and ater you are diagnosed with the same Specified Disease or Surgery (except those isted beow), we wi pay 25% of the origina face amount. (Specified Diseases/Surgeries that do not quaify are: Cancer, Coronary Artery Bypass Graft Surgery and Carcinoma in Situ.) Dates of Diagnoses of Specified Disease or Surgeries must be separated by at east 180 days. Cancer Vaccine Benefit We wi pay this benefit if you or a covered famiy member incurs a charge for and receives any cancer vaccine that is FDA approved for the prevention of cancer, whie your poicy is in force. Payment of this benefit wi not reduce the Maximum Benefit Amount for Specified Disease/Surgery. Critica Iness 1.0 with Cancer and Subsequent Diagnosis-MA This poicy has excusions and imitations. Premium wi vary based on pan chosen. This is not an insurance contract and ony the actua poicy provisions wi contro. For cost and compete detais of the coverage, see your Coonia Life benefits counseor. Appicabe to poicy form CI-1.0-PL7-MA. Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 6/ Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. Coonia Life and Making benefits count are registered service marks of Coonia Life products & Accident are Insurance underwritten Company. by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand

14 Universa Life Insurance Are you prepared for a the changes ife has in store? With Coonia Life s Universa Life insurance, you have the fexibiity you need to protect the ife you re buiding when your needs change, when you set or attain new goas, even when unexpected chaenges arise. What are the advantages of Universa Life Insurance? Offers fexibe premiums and death benefit amounts. Buids cash vaue at current credited interest rates. Provides access to the poicy s cash vaue when needed. Provides a death benefit (to age 100) that can be paid to beneficiaries tax-free. What benefits and features are incuded? Offers two pan design options: eve death benefit (Option A) or increasing death benefit (Option B). Incudes an Acceerated Death Benefit. Aows you to borrow against your poicy s cash vaue or take cash withdrawas from cash vaue if needed. My Coverage Worksheet (For use with your Coonia Life Benefits Counseor) How much coverage do you need? You Spouse Juvenie $ face amount $ face amount $ face amount Option A Option A Option A Option B Option B Option B Seect any optiona riders: Accidenta Death Benefit Rider Additiona Coverage Term Rider Universa Life 1000 Guaranteed Purchase Option Rider Waiver of Monthy Deductions Rider How much wi it cost? Your cost wi vary based on the eve of coverage you seect. 12

15 Universa Life 1000 Frequenty asked questions about Coonia Life s Universa Life Insurance What s the difference between Option A and Option B? Option A offers a eve death benefit and buids cash vaue at current credited interest rates. Option B offers a death benefit that increases as the poicy s cash vaue increases. What is the Acceerated Death Benefit? If you are diagnosed with a termina iness, you can request up to 75% of the poicy s death benefit, not to exceed $150,000. We deduct a fee ony if you use the benefit, and your death benefit wi then be reduced by the amount you receive. In addition, there may be tax consequences for receiving the acceerated benefit; ask your tax advisor for advice. What spouse coverage options are avaiabe? Two options are avaiabe for spouse coverage at an additiona cost: 1. Spouse Universa Life Poicy: Offers the same fexibe features avaiabe to you whether or not you buy a poicy on yoursef. 2. Spouse Term Life Rider: Add a term rider for your spouse to your poicy, up to a maximum death benefit of $50,000. Choose to convert the term rider ater to a cash vaue poicy without providing proof of good heath if the rider terminates before the spouse s 70 th birthday. What dependent coverage is avaiabe? Two options are avaiabe for dependent coverage at an additiona cost: 1. Universa Life Poicy for each eigibe chid: Purchase a poicy whie chidren are young and premiums are ower whether or not you buy a poicy on yoursef. You may aso increase the coverage when the chid is 18, 21 and 24 without providing proof of good heath. 2. Chidren s Term Life Rider: Add a Chidren s Term Life Rider to cover a of your eigibe dependent chidren with up to $10,000 in coverage each for one premium. You may choose to convert this rider ater to a cash vaue ife insurance poicy without providing proof of the chid s good heath upon your 70 th birthday or the chid s 25 th birthday, whichever comes first. What is the Waiver of Monthy Deductions Rider? This rider waives a premiums on the universa ife poicy and any riders attached to it if you become totay disabed before your 65 th birthday and you satisfy the six-month (180 days in MO) eimination period. Your cash vaue wi remain intact and continue to earn interest. Aso, any premiums waived by this rider do not have to be repaid. What is the Accidenta Death Benefit Rider? This rider pays an additiona benefit if you die as a resut of an accidenta bodiy injury before age 70. The benefit doubes if the accidenta bodiy injury occurs whie you are a fare-paying passenger within a pubic conveyance such as a subway or city bus. An additiona 25% of the accidenta death benefit wi be paid shoud the insured die due to an accidenta bodiy injury sustained whie driving or riding in a private passenger vehice and wearing a seat bet. What is the Additiona Coverage Term Rider? This rider adds a 20-year eve term coverage of up to 100 percent of your poicy s death benefit.you may choose to convert the additiona coverage term rider to any new or existing cash vaue ife insurance pan without providing proof of good heath if the universa ife poicy terminates or the additiona coverage term rider terminates. The premiums remain eve for the duration of the rider. What is the Guaranteed Purchase Option Rider? This rider aows you to increase your universa ife coverage without providing proof of good heath at the 2 nd, 5 th and 8 th poicy years or when specified ife events occur. The premium is determined by your age at the time of the increase and amount of insurance you choose. Excusions and Limitations -If the insured commits suicide within two years (one year in MO and ND) from the coverage effective date or the date of reinstatement (not appicabe in LA), whether he is sane or insane (not appicabe in AZ), we wi not pay the death benefit. We wi terminate this poicy and return the premiums paid minus any oans, oan interest and withdrawas to you. We wi not pay any increases in death benefits if the insured commits suicide, whether he is sane or insane (not appicabe in AZ), within two years (one year in AZ, MO, and ND) from the coverage effective date of the increase. Our ony obigation wi be to refund the premiums paid for the increase in the event of suicide. You wi receive a poicy summary or iustration (whichever is appicabe in your state) when your poicy is issued. This poicy has excusions, imitations or reductions of benefits. Product may vary by state. For costs and compete detais of the coverage, ca or write your Coonia Life benefits counseor or the company. This brochure is appicabe to poicy forms ICC07-UL1000 / UL1000 and rider forms ICC07-R-UL-ACDTH / R-UL-ACDTH, ICC07-R- ULACR / R-UL-ACR, ICC07-R-UL-CTR / R-UL-CTR, ICC08-R-UL-GPO / R-UL-GPO, ICC07-R-UL-STR / R-UL-STR, ICC07-R-UL-WOMD / R-ULWOMD and appicabe state variations. Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2012 Coonia Life & Accident Insurance Company Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. 1/

16 Juvenie Universa Life Insurance Hep estabish your chid s financia foundation with ife insurance. You can t predict your chid s future, but you can hep to protect it. Coonia Life s Juvenie Universa Life Insurance is an easy way to hep estabish a financia foundation for your chid s future. No matter what the future brings, your chid wi have the fexibiity of a universa ife poicy to hep prepare for different ife stages. In addition to having a poicy that can remain in force, your chid can take advantage of additiona coverage options during aduthood. What are the advantages of Juvenie Universa Life Insurance? Offers fexibe premiums and death benefit amounts. Buids cash vaue at current credited interest rates. Provides access to the poicy s cash vaue when needed. Offers affordabe rates that are generay ower for chidren than aduts. Aows chidren to assume fu ownership of their poicies when they are od enough. What benefits and features are incuded? Two pan design options: eve death benefit (Option A) or increasing death benefit (Option B). An Acceerated Death Benefit. Aows the poicyowner to borrow against the poicy s cash vaue or take cash withdrawas from cash vaue if needed. A Guaranteed Purchase Option. Rates that wi not increase because the chid gets oder. My Coverage Worksheet (For use with your Coonia Life Benefits Counseor) Juvenie Universa Life 1000 How much coverage do you need? Juvenie $ face amount Option A Option B How much wi it cost? Your cost wi vary based on the eve of coverage seected. 14

17 Frequenty asked questions about Coonia Life s Juvenie Universa Life Insurance What s the difference between Option A and Option B? Option A offers a eve death benefit and buids cash vaue at current credited interest rates. Option B offers a death benefit that increases as the poicy s cash vaue increases. What is the Acceerated Death Benefit? If the covered person is diagnosed with a termina iness, the poicyowner can request up to 75% of the poicy s death benefit, not to exceed $150,000. We deduct a fee ony if the benefit is used, and the death benefit wi then be reduced by the amount received. In addition, there may be tax consequences for receiving the acceerated benefit; ask your tax advisor for advice. What is the Guaranteed Purchase Option? This poicy provides three options for purchasing additiona coverage without providing proof of good heath. If your chid is between ages 0 and 17 when you purchase the poicy, the Guaranteed Purchase Option automaticay incuded with the poicy aows three coverage increases for your chid at ages 18, 21 and 24 regardess of heath, occupation or any other factors when it may be needed for new responsibiities. Tota coverage of up to $100,000 or the initia death benefit amount of the chid s poicy, whichever is ess, is avaiabe. Your dependent chidren between the ages of 18 and 24, if fu-time students, can appy for the same fexibe adut poicy that you can. Excusions and Limitations -If the insured commits suicide within two years (one year in MO and ND) from the coverage effective date or the date of reinstatement (not appicabe in LA), whether he is sane or insane (not appicabe in AZ), we wi not pay the death benefit. We wi terminate this poicy and return the premiums paid minus any oans, oan interest and withdrawas to you. We wi not pay any increases in death benefits if the insured commits suicide, whether he is sane or insane (not appicabe in AZ), within two years (one year in AZ, MO, and ND) from the coverage effective date of the increase. Our ony obigation wi be to refund the premiums paid for the increase in the event of suicide. A poicy summary or iustration (whichever is appicabe in your state) wi be avaiabe when your poicy is issued. The poicy has excusions, imitations or reductions of benefits. Product may vary by state. For costs and compete detais of the coverage, ca or write your Coonia Life benefits counseor or the company. This brochure is appicabe to poicy form ICC08-UL1000J, UL1000J and appicabe state versions. Juvenie Universa Life 1000 Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2012 Coonia Life & Accident Insurance Company Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand. 1/

18 Whoe Life Insurance You can t predict your famiy s future, but you can be prepared for it. You ike to think that you be there for your famiy in the years to come. But if something happened to you, woud your famiy have the income it needs? Without you, woud your famiy be abe to afford everyday iving expenses? Coud they cover immediate expenses, such as funera costs? It s not easy to think about such serious circumstances, but it s important to make sure your famiy is financiay protected. You can gain more peace of mind now with Coonia Life s Whoe Life Insurance. 34 percent of househods admit they woud immediatey have troube meeting everyday iving expenses if a primary wage earner died. 1 What is whoe ife insurance? Whoe ife insurance can hep provide protection for you and those who depend on you. You won t have to worry about becoming uninsurabe ater in ife, and your premiums won t increase as you get oder. With whoe ife insurance, you receive a guaranteed death benefit, which can hep with funera costs and other immediate expenses. Aso, throughout the ife of the poicy, you can access its cash vaue through a poicy oan, and use the money for emergencies. Whoe Life What are the advantages of Coonia Life s Whoe Life Insurance? 1. Your premiums wi never increase because of changes in your heath or age. 2. You can take the poicy with you even if you change jobs or retire, with no increase in premium. 3. A guaranteed purchase option means you can purchase additiona whoe ife coverage without having to answer heath questions at three different points in the future. 4. With the acceerated death benefit, you can request 75 percent of your poicy s death benefit if you are diagnosed with a termina iness. 5. An immediate $3,000 caim payment can hep your designated beneficiary pay for funera costs or other expenses. How much wi it cost? Your cost wi vary based on the eve of coverage you seect. Tak with your Coonia Life benefits counseor for more information about what eve of coverage woud work best for you. 1 Retzoff, Chery, Triion Doar Baby Growing Up: The Saes Potentia of the U.S. Underinsured Life Insurance Market, LIMRA, 2011.

19 Product Options Paid-Up at Age 65 or Paid-Up at Age 95 These two pan design options aow you to seect when your poicy wi be paid up, which is when you wi have no more premiums to pay. You can choose to have your poicy paid up when you reach age 65 or 95. Acceerated Death Benefit If you are diagnosed with a termina iness, you can request up to 75 percent of the poicy s death benefit, up to $150,000. Guaranteed Purchase Option If you are age 55 or younger when you purchase the poicy, you have the option to purchase additiona whoe ife coverage without having to answer heath questions at three different points in the future. You may purchase up to your initia face amount, not to exceed a tota combined maximum of $100,000 for a options. $3,000 Immediate Caim Payment This payment can hep meet immediate needs, such as funera costs, by providing an initia death benefit payment of $3,000 to the designated beneficiary. Tak with your Coonia Life benefits counseor to earn more about how you can hep protect your famiy s future with whoe ife insurance. Additiona Coverage Options Spouse Whoe Life Poicy This poicy offers a guaranteed death benefit, guaranteed eve premiums and guaranteed cash vaue accumuation whether or not you buy a poicy on yoursef. Spouse Term Life Rider You can purchase term ife coverage for your spouse, with a maximum death benefit of up to $50, year and 20-year coverage periods are avaiabe, based on the poicy you seect. You can choose to convert this coverage to a cash vaue poicy within certain time periods ater on without having to answer heath questions. Dependent Coverage You may purchase up to $10,000 in term ife coverage for each of your eigibe dependent chidren, and pay one premium. You can ater convert this coverage to a cash vaue ife insurance poicy without having to answer heath questions upon your 70th birthday or the chid s 25th birthday, whichever comes first. You can add this additiona coverage to either the primary or the spouse poicy, but not both. Waiver of Premium Benefit Rider Your premiums on the whoe ife poicy and any riders attached to it wi be waived if you become totay disabed before the poicy anniversary foowing your 65th birthday and you satisfy the six-month eimination period (the amount of time unti benefits are payabe). Benefits Worksheet (For use with your Coonia Life benefits counseor) How much coverage do you need? You $ face amount Spouse $ face amount Seect the option: Seect the option: Paid-Up at Age 65 Paid-Up at Age 95 Paid-Up at Age 65 Paid-Up at Age 95 Seect any optiona riders: Spouse Term Life Rider $ face amount for -year term period Chidren(s) Term Life Rider $ face amount for -year term period Waiver of Premium Benefit Rider Whoe Life 1000 EXCLUSIONS AND LIMITATIONS If the insured commits suicide within two years (one year in ND) from the coverage effective date or the date of reinstatement (not appicabe in AR), whether he is sane or insane (not appicabe in AZ), we wi not pay the death benefit. We wi terminate this poicy and return the premiums paid, minus any oans and oan interest to you. Product may vary by state. For costs and compete detais of the coverage, ca or write your Coonia Life benefits counseor or the company. This product is underwritten by Coonia Life & Accident Insurance Company. This brochure is appicabe to poicy forms ICC07-WL-NGPO-65 / WL-NGPO-65, ICC07-WL-NGPO-95 / WL-NGPO-95, ICC08-WL-GPO-65 / WL-GPO-65, ICC08-WL-GPO-95 / WL-GPO-95 and rider forms ICC07-R-WL-CTR / R-WL-CTR, ICC07-R-WL-STR-10 / R-WL-STR-10, ICC07-R-WL-STR-20 / R-WL-STR-20, ICC07-R-WL-WOP / R-WL-WOP and appicabe state variations. Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2013 Coonia Life & Accident Insurance Company Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand

20 Don t Miss This Opportunity! Review your Coonia Life vountary benefits and receive compimentary coverage. You are eigibe for compimentary $5,000 Accidenta Death and Dismemberment insurance. 1 To receive your coverage certificate, you need to attend a short 1-to-1 benefits counseing session with a Coonia Life benefits counseor. No purchase necessary! Whie you re there, you aso: Receive a free heath and weness discount card. 2 Learn more about how vountary benefits can hep offset your out-of-pocket expenses. Pan now to attend your 1-to-1 meeting! 1 No insurance purchase necessary to receive the AD&D coverage. Accidenta Death & Dismemberment insurance coverage provided by Federa Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This coverage may not be avaiabe in a states. 2 WeCard program not avaiabe in AK, MT, VT. This discount program is powered by AccessOne Consumer Heath, Inc., 84Via Rd, Greenvie, S.C , This is not a Part D Medicare prescription drug program. This is not insurance and is not intended to repace insurance. Discounts are ony avaiabe at participating pharmacies and providers. Payment must be made at the time of service to receive discounts from participating providers. Void where prohibited by aw. 18 Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2013 Coonia Life & Accident Insurance Company Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand NS-13172

21 Take Charge of Your Heath: Know Your Numbers! Take charge of your heath and know your numbers. The chart beow indicates the heathy ranges for severa measurements that can be good indicators of your overa heath and aow you to better know your risk of deveoping diseases. Pease direct any questions to your heath care provider. Measurements Ranges What are your numbers? Tota Choestero LDL ( bad ) choestero HDL ( good ) choestero Trigycerides Gucose Body Mass Index (B.M.I) Bood Pressure (Hypertension) Desirabe: ess than 200 mg/dl Borderine high risk: mg/dl High risk: 240 mg/dl and over Desirabe: ess than 100 mg/dl Desirabe for men: 40 mg/dl and higher Desirabe for women: 50 mg/dl and higher Norma: Less than 150 mg/dl (ess than 100 mg/dl optima) Norma: Between 70 and 130 g/dl (before a mea) Underweight: < 18.5 kg/m Heathy: kg/m Overweight: kg/m Obese: 30 kg/m and higher Heathy: < 120 / < 80 mm/hg Pre-hypertension: / mm/hg Hypertension (Stage 1): / mm/hg Hypertension (Stage 2): 160 or higher / 100 or higher mm/hg Tota: LDL: HDL: Take an active roe in your heath by knowing when you need the foowing screenings performed. Test Frequency Bood Pressure Measurements Each heath care visit; or at east every 2 3 years. Breast Exams Monthy sef exam beginning at age 20. Physician exam at east every 3 years ages 20 30, and every year at age 40+. Mammography Prostate Screening Choestero Leves Pevic Exams / PAP Smears Every 1-3 years after age 21. Recta Exams: (Coon & Recta Cancer) Bood Sugar Leves (Gucose) Skin Exams After age 40, every year; check with your doctor for your persona risk needs. PSA (prostate specific antigen) and DRE (digita recta exam) annuay after age 50, or earier if you have a famiy history of the disease or are of African American descent. Every 5 years after age 20; more often if you have risk factors. Annuay after age 50; earier if you have infammatory bowe disease or first-degree reative with coon cancer. Varies depending on famiy history and persona risk factors for diabetes. The American Heart Association recommends everyone over 45 years of age shoud have a gucose test every 3 years. Annua moe checks; sef-inspection for suspicious growths. Denta Exams Twice a year for checkup and ceaning. Sources: Coonia Life 1200 Coonia Life Bouevard, Coumbia, South Caroina cooniaife.com 2013 Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand NS

22 Coonia Life 1200 Coonia Life Bouevard Coumbia, South Caroina cooniaife.com 2013 Coonia Life & Accident Insurance Company. Coonia Life products are underwritten by Coonia Life & Accident Insurance Company, for which Coonia Life is the marketing brand NS-13153