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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 />This illustration is intended to outline the basic plan and is not intended to describe the contract <br />provision. Each employee will receive a plan booklet which will outline in detail the plan provisions <br />and limitations. Should there be a discrepancy between this outline and the plan document, the plan <br />document prevails. <br />*Volumes based on renewal <br />2 <br />.m <br />