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Life/AD&D Benefit <br />- - Waiver of Premium <br />Conversion <br />Benefit Reductions at <br />_ Age 65 <br />Age 70 <br />Age 75 <br />Age 80~ <br />Rate Guarantee <br />Rates Per $1,000 <br />Life <br />AD&D <br />Monthly Premium <br />Annual Premium <br />-' ~ ~ $ +/- Current <br />' : % +/- Current <br /> <br /> ~ , <br /> <br /> [_ i~ ~h~~ 9 ~,~" v ~ ,x ' 'iJ ~i <br />i ' s ..~ <br /> <br /> ~'" TI i?~ h~~~b <br /> $20,000 $20,000 <br /> Included Included <br /> Included Included <br /> 35% 35% <br /> 50% 50% <br /> N/A - ~ N/A. <br /> N/A N/A <br /> 12 Months .. 12 ~1Vlonths, <br /> <br />$0.249 $0.279 $1,160;000 -: = $0:259 $1,160,000 <br />$0.038 $0.038 $1,160,000 $0:038 $1,160,000: <br />$333 $368 ~ :$345 <br />$3,995 $4,413 $4,134;`. - <br /> $418 _ , - . <br />. $1.39 :-, .. - <br /> 10.5% _ - .. 3:5%;:: ~ . <br />This illustration-is intended to outline-the basic plan and is not intended to describe the contract provision. Each employee will <br />receive a plan booklet.which will outline in detail the plan provisions and limitations. Should there be a discrepancy between <br />this outline and the plan document, the plan document prevails. , <br />*Volumes based on 1/1 invoice. <br />- - <br />_. _ ~~~ <br />_ 3 <br />.: <br />:~ <br /> <br />; - .! <br /> <br /> <br />., <br />