GROUP TERM LIFE & LONG TERM DISABILITY INSURANCE PROGRAM

Group Term Life Insurance

Competitive premium

Leveraged premium volume and risk pooled with participating counties

Flexible benefit plan design

In the line of duty a covered benefit

Enhanced guarantee issue limits

Voluntary Life

Long Term Disability Insurance

Competitive premium

Leveraged premium volume and risk pooled with participating counties

Flexible benefit plan design

In the line of duty a covered benefit

Insurable income include external sources of income