Group Critical Illness Insurance Overview

Surviving a critical illness may come at a high price. If you experience a critical illness—like a heart attack or stroke—you shouldn't have to worry about the financial impact. But co-pays, transportation expenses, out-of-pocket medical costs, and lost income can add up quickly. AF™ Limited Benefit Critical Illness Insurance can help provide financial protection so you can focus on recovery. AF™ Limited Benefit Critical Illness Insurance 1AHA 2021 Heart Disease and Stroke Statistics Update Fact Sheet At-a-Glance; January 26, 2021, p2 How It Works If you're diagnosed with a covered critical illness, this plan is designed to pay a lump sum benefit amount to help cover expenses. In addition, certain specified critical illnesses that reoccur will allow for an additional benefit. Features: • Benefits paid directly to you, to be used however you see fit • No required medical exams as part of the application process • Guaranteed issue benefit amounts may be available for first-time eligible employees and spouse • Coverage extended to dependent children at no additional cost* • Compatible with a Health Savings Account • Option to add an infectious disease rider in select states Coverage is available for you, your children, and your lawful spouse at determined benefit amounts. Approximately every 39 seconds, an American will have a heart attack.1 HEALTH SCREENING BENEFIT This benefit covers several qualified tests, including, but not limited to: If you reside in a state other than your employer’s state of domicile, where required by law, policy provisions and benefits may vary. • Stress Test • Echocardiogram • Electrocardiogram (EKG) SCREENING BENEFIT (per calendar year per covered employee and covered spouse) $50 • Blood Glucose Testing • Neuroimaging Studies Group Critical Illness Insurance E M P LO Y E R B E N E F I T S O LU T I O N S F O R YO U R I N D U S T R Y