Accident Insurance

Symetra Life Insurance Company Accident Insurance Your plan for the unexpected Accidents can happen to anyone, at any time. Could you afford the financial impact if one happened to you or someone in your family? With accident insurance, you can be better prepared for the unexpected. Why accident insurance? Even with major medical insurance, your out-of-pocket health care costs can be substantial. Accident insurance can help you offset your deductible, copay or coinsurance requirements while paying little to nothing from your own pocket. Benefits can also be used to pay for other expenses that may follow an accident, such as medical supplies, help with child care or anything else you may need. How it works Accident insurance pays benefits for certain injuries resulting from an accident—like a broken arm from a fall—as well as for medical services that help diagnose and treat those injuries. Each covered injury and medical service has a preset benefit amount, and benefits are paid directly to you, regardless of what your major medical plan has already covered. Continued > SBM-6309 2/26

What’s covered? The plan pays benefits for several types of accidental injuries, including: • Comas • Dental injuries • Dislocations • Eye injuries • Fractures • Lacerations • Paralysis • Second- and third-degree burns • Torn knee cartilage with surgery • Torn ligaments • Torn tendons with surgery The plan also pays benefits for the following medical services if they’re required as a result of a covered accident that occurs while the policy is in effect. Emergency care and diagnostics • Ambulance transportation • Emergency room visits • Initial doctor’s visit • MRIs, CT or CAT scans, and EEGs • Pain management/epidurals • X-rays Follow-up care • Chiropractic visits • Doctor visits • Medical equipment • Physical therapy • Prosthetic devices Hospitalization and surgical procedures • Family lodging • Hospital admissions and confinements • ICU admissions and confinements • Rehabilitation • Surgery • Transportation S PO U S E AN D C H I LD COVE R AG E Spouse and dependent benefits may be available.* * Eligible dependents may include your spouse or domestic partner (as defined by state or federal law) and your biological children, adoptive children or stepchildren. Contact your benefits representative to determine eligibility for dependent coverage. This is a brief description of available benefits. For a complete description of coverage, please refer to your enrollment materials or contact your benefits representative. 2 Accident Insurance

Claim example Meet Mike Mike has an active lifestyle , so he knew that enrolling in Symetra Accident Insurance was the right decision. Shortly after signing up, Mike breaks his leg on a hiking trip with friends. After a trip to the emergency room, Mike’s able to use his accident insurance to help with his out-of-pocket costs. Benefits Emergency room visit benefit: $ 3 00 X-ray benefit: $ 10 0 Initial doctor’s visit: $1 5 0 Follow-up doctor’s visit benefit: $1 5 0 Ten physical therapy sessions (total benefit): $ 1,0 00 Medical equipment benefit (e.g., crutches): $ 2 50 Leg fracture benefit (not requiring surgery*): $2, 5 00 Total amount paid directly to Mike: $ 4,450 * A fracture requiring surgery is eligible for a higher benefit amount. Mike’s benefits Because Mike has accident insurance, he now has funds to help pay for: Medical expenses. Child care during recovery. Transportation to physical therapy appointments. This example is for illustrative purposes only and is meant to provide a general overview of how coverage works. Any resemblance to actual persons is purely coincidental. Please refer to your complete set of enrollment materials for your plan’s benefit amounts and costs of coverage. DID YOU K N OW ? The Centers for Disease Control and Prevention report that 43.5 million visits to the emergency room in the U.S. are related to injuries. 1 Continued > Accident Insurance 3

Frequently asked questions Will I receive reduced benefits from Symetra if another insurance plan covers my medical costs? No. We’ll still pay your full benefit, even if another insurance plan has already picked up some or all of the bill. Is it easy to use my supplemental health benefits? Yes! Watch this brief video to learn how to make the most of your benefits. Why should I enroll during annual enrollment? If you don’t enroll in coverage during annual enrollment, you’ll have to wait until the following year’s annual enrollment, unless you have a qualifying life event like a marriage, divorce or birth of a child. If I enroll now, will I be automatically reenrolled in the plan next year? It depends, based on how your employer sets up annual enrollment. You may need to review all your selections and reelect coverage. The other option automatically reenrolls your current selections. Be sure to review your enrollment instructions and connect with your benefits representative if you have questions. Once I’m enrolled, how will I file a claim? You’ll have access to a user-friendly online platform where you can submit claims in just a few minutes. And if you have other group coverage with Symetra, we’ll automatically check to see if you’re eligible for additional benefits. Why Symetra? Symetra provides employee benefits, life insurance and annuities that have helped people live with financial security and confidence for more than 65 years. We’re committed to providing value to our customers, supporting our communities, providing a great place to work for our employees, and promoting diversity, equity and inclusion in everything we do. To learn more about our company, products and services, visit www.symetra.com . Don’t miss your opportunity to enroll in this valuable coverage. To get started, review your enrollment materials or talk to your benefits representative. Accident coverage, insured by Symetra Life Insurance Company (est. 1957), 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, is not available in all U.S. states or any U.S. territory. It pays a fixed amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services. It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Certificate form number is SBC-03515 1/18. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative. THIS POLICY IS ISSUED AS AN ACCIDENT-ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY ILLNESS. 1 “Emergency Department Visits,” National Center for Health Statistics, Centers for Disease Control and Prevention, accessed December 11, 2025. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.

Symetra Life Insurance Company Accident Insurance How to file a claim Your policy information Policy #: Policyholder: Option 1 Use My Group Online ( MyGO ) Initiate an accident claim in minutes on MyGO . This secure, user-friendly platform is available 24/7 through your computer or mobile device. To submit your claim: 1 Register your account at symetra.com/MyGO and select Submit my claim. 2 Fill out a few simple fields and upload documents. 3 Select Submit. With MyGO, you can also: Check the status of a claim. View an Explanation of Benefits (EOB) and enroll in paperless statements. Download important forms. Submit scans, photos or electronic versions of claim documents. Enter banking information to receive ACH benefit payments. Option 2 Email, mail or fax a claim 1 Request an itemized bill (form UB-04 or HCFA 1500) from your provider with diagnosis and procedure codes. 2 Write a statement describing the date, place and cause of the accident. 3 Complete a claim submission form, which can be found on MyGO under Forms. We can also email, mail or fax this form to you. 4 Submit the above information to Symetra by email, mail or fax. Our online claims platform is only available in English. Please call if you require language support. Continued > SBM-6379 6/26

Frequently asked questions When do I need to submit my claim? We encourage submitting claims promptly after the date of service to help avoid delays. When will Symetra make a decision on my claim? Symetra typically makes decisions on claims within 10 business days of receiving all necessary information. If your claim is approved, you can expect to receive payment within 7–10 business days. What if I have a claim that qualifies for benefits under more than one of my Symetra plans? If you have multiple coverages with Symetra, we’ll automatically cross-check to see if you’re eligible for more than one benefit and will submit the claim(s) on your behalf. Can Symetra help me gather any remaining information from my medical provider? Yes. Additional information such as doctor notes may be requested, and we’re happy to help you gather the remaining details after you initiate a claim. We’ll just need you to sign a release of information form so we can contact the provider on your behalf. Does the policy have to be in effect to receive benefits? Yes. The accident and medical services received must occur while the policy is active. Contact us for additional questions about your coverage and filing a claim. Call 1-800-497-3699 Monday through Friday 8 a.m. to 8 p.m. ET sbclaims@symetra.com symetra.com/MyGO Fax: (715) 682-5919 Mailing address: P.O. Box 674419 Houston, TX 77267-4419 Accident coverage is insured by Symetra National Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004. Per Occurrence Accident pays benefits up to a preselected, per occurrence amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services. Scheduled Benefit Accident pays a fixed amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services. THIS POLICY IS ISSUED AS AN ACCIDENT ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY ILLNESS. It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. To learn more, contact your benefits representative. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.

Symetra Life Insurance Company Accident Insurance Understanding your wellness benefit You can’t predict when an accident may occur, but keeping tabs on your overall health can help you prepare for the unexpected. Through your Symetra Accident Insurance policy, you can receive a financial benefit for being proactive about your health. After completing a wellness screening, just give us a call or send us an email and let us know: (1) the name of the insured, (2) the type of screening, and (3) the date the screening was completed. Eligible wellness screenings • Abdominal aortic aneurysm ultrasonography • Baseline testing for concussion • Blood test for lipids, including total cholesterol, LDL, HDL and triglycerides • Bone density screening • Bone marrow testing • Breast MRI • Breast ultrasound • CA 15-3 (blood test for breast cancer) • CA 125 (blood test for ovarian cancer) • Carotid Doppler • CEA (blood test for colon cancer) • Chest X-ray • Child sports physical • Colonoscopy or virtual colonoscopy • COVID-19 (physician-administered) • CT angiography • Electrocardiogram • Fasting blood glucose test • Flexible sigmoidoscopy • Mammogram • Pap test • Prostate-specific antigen (PSA) test • Serum cholesterol test to determine level of HDL and LDL • Stress test on a bicycle or treadmill • Testicular ultrasound • Thermography • ThinPrep Pap test Your wellness benefit amount: Contact us Call 1-800-497-3699 Monday through Friday 8 a.m. to 8 p.m. ET sbclaims@symetra.com symetra.com/MyGO Fax: (715) 682-5919 Mailing address: P.O. Box 674419 Houston, TX 77267-4419 Continued > SBM-6385 7/25

Please refer to your certificate for complete details. Frequently asked questions How do I let Symetra know I had a wellness screening? It’s easy. Give us a call or send us an email and let us know three things: the name of the insured, the type of screening, and the date the screening was completed. You can also submit a claim through MyGO . Once you’ve created an account and logged in, select Submit my claim and add any required information. You can also upload any relevant documentation from a computer or mobile device. 1 Is there another way to file my wellness benefit claim? Yes. You can also send claims by mail or fax. Please use the contact information on the first page and we’ll be happy to assist. Who can receive a wellness benefit? Anyone covered under your plan is eligible for these benefits. Please review your certificate for more details. How often can I receive a wellness benefit? This benefit is payable once per insured per calendar year. What if I have a screening that qualifies for benefits under more than one of my Symetra plans? If you have multiple coverages with Symetra, we’ll automatically cross-check to see if you’re eligible for more than one benefit and will submit the claim(s) on your behalf. Accident coverage, insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, is not available in all U.S. states or any U.S. territory. It pays a fixed amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services. It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Certificate form number is SBC-03515 1/18. Form number for the Wellness Screening Benefits Rider is SBC-03513 WEL 2/24. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative. THIS POLICY IS ISSUED AS AN ACCIDENT-ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY ILLNESS. 1 If your policy was issued in CA or PA, please upload the actual bill and the Explanation of Benefits (EOB) from your health insurance carrier. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.