Life and AD&D

OneAmerica

ABOUT LIFE AND AD&D

Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/brownfieldisd

Age 18-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59

60-64 65-69 70-74 75+ Voluntary Group Life - per $10,000 in coverage Employee $0.65 $0.75 $0.90 $1.00 $1.30 $2.10 $3.80 $5.10

$6.30 $8.00 $7.45 $13.20

Spouse rates based on Employee's age. Spouse $1.05 $1.05 $1.35 $1.35 $2.10 $3.30 $6.15 $8.70

$10.65 $13.65 $12.90 $22.80

EMPLOYEE BENEFITS

Voluntary Group Life - Child(ren) per $10,000 in coverage Age 0-26 $1.00

A cash benefit of $10,000 to your loved ones in the event of your death, plus a Basic Life matching cash benefit if you die in an accident.1 Guaranteed coverage amount for Self $200,000 Maximum coverage amount 7 times your annual salary not to exceed $500,000 in increments of $10,000 AD&D coverage amount Equal to the life insurance amount chosen Guaranteed coverage amount for Spouse $50,000 Maximum coverage amount for Spouse 100% of the employee coverage amount

Accidental Death and Dismemberment (AD&D)

AD&D coverage amount Guaranteed coverage amount for dependent children live birth to 6 months Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child-care, paralysis/loss of use, severe burns, disappearance, and exposure. Equal to the life insurance amount chosen $1,000

Guaranteed coverage amount for dependent children 6 months to 26 years2 $10,000

1 The cash benefit increases to $50,000 for an eligible employee who waives medical coverage. 2 Dependent children must be full-time student to remain eligible ages 19 to 26 years.

OneAmerica

EMPLOYEE BENEFITS

Guaranteed Employee Life and AD&D Insurance Coverage Amount Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $200,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. Maximum Life Insurance Coverage Amount: You can choose a coverage amount up to 7 times your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details. Your coverage will reduce to 65% of the original amount when you reach age 65; 50% of the original amount when you reach age 70.

Guaranteed Spouse Life and AD&D Insurance Coverage Amount Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 100% of your coverage amount ($50,000 maximum) for your spouse without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. You can increase this amount by up to $10,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount You can choose a coverage amount up to 100% of your coverage amount ($500,000 maximum) for your spouse with evidence of insurability. Coverage will reduce to 65% of the original amount when you reach age 65; 50% of the original amount when you reach age 70.

Dependent Children Coverage You can secure term life insurance for your dependent children when you choose coverage for yourself. Guaranteed Life Insurance Coverage Options $10,000