VOLUNTARY TERM LIFE & AD&D

What is Life & AD&D Insurance?

A financial protection plan which provides a cash benefit to a beneficiary upon the death of the insured. Proceeds can be used to replace lost potential income during working years and help ensure your family’s financial goals will still be met. AD&D coverage is included as a part of life insurance benefits and will pay out a lump-sum death benefit in the event you or a covered loved one die accidentally or pass away later as the direct result of an accident. This plan also has a dismemberment benefit which provides an additional lump sum payment if an insured becomes dismembered in an accident.

Plan Rules:

• Eligibility: Eligible employees, as described on page 1, spouse and unmarried children (up to age 26)

• Coverage through MetLife

• Only covered employees may elect dependent coverage

• Dependent coverage may not exceed employee coverage amounts

• No health questions for employee or spouse unless electing in excess of the approved guaranteed annual increase