Accident Insurance Overview Levels 1-3

ACCIDENTAL DEATH & DISMEMBERMENT LEVEL 1 PRIMARY/SPOUSE CHILD Common Carrier $100,000 $50,000 Other Accident $40,000 $20,000 Dismemberment $2,800 to $40,000 $1,400 to $20,000 LEVEL 2 PRIMARY/SPOUSE CHILD Common Carrier $150,000 $75,000 Other Accident $60,000 $30,000 Dismemberment $4,200 to $60,000 $2,100 to $30,000 LEVEL 3 PRIMARY/SPOUSE CHILD Common Carrier $200,000 $100,000 Other Accident $80,000 $40,000 Dismemberment $5,600 to $80,000 $2,800 to $40,000 Plan Benefit Highlights ACCIDENT SCREENING BENEFIT This benefit is paid directly to you once per policy per calendar year and covers several tests, including, but not limited to: Are you financially prepared for an accident? Accidents can happen to anyone. And even though you can’t plan for an accident, you can help prepare for unexpected medical costs. Limited Benefit Accident Only Insurance provides coverage to help with unforeseen accident costs. 1Hypothetical example of a covered accident based on the AO22 policy. Accident is defined as an event which results in bodily Injury that is independent of disease or bodily infirmity or any other cause, and which occurs while the policy is active. LEVEL 1 LEVEL 2 LEVEL 3 Initial Treatment $150 $200 $250 X-Rays (two different days) $100 $200 $300 Anesthesia $150 $200 $250 Hospital Admission (day 1) $500 $1,000 $1,500 Hospital Confinement (days 2 through 4) $300 $600 $900 Concussion $200 $250 $300 Open Reduction Tibia Fracture Repair $2,400 $3,600 $4,800 Appliance - Crutches $100 $150 $200 Follow-up Treatment (3 visits) $150 $150 $150 TOTAL $4,050 $6,350 $8,650 ACCIDENTAL INJURY Hypothetical Example 1 A bad fall from a ladder leads to a broken lower leg and head injury, resulting in a fractured tibia and concussion. Treatment is received within 3 days. • Sports Physical Exam • Stress Test • Routine Physical Exam • Bone Density Screening LEVEL 3 LEVELS 1 & 2 $50 $75 Accident Insurance Accident Insurance