Using your cash bene昀椀ts Prepare for the future today Cash bene昀椀ts provide you with One way you can determine if you and your family need the coverage is to review the list below and check options, because you or your some or all that apply to you and your family bene昀椀ciary get to decide . how to use them.  You’re the primary wage earner in your family Finances  Your family would have trouble living comfortably without your income Cash bene昀椀ts can help protect your HSAs,  You have regular debts, like mortgage, car payment or credit cards savings, retirement plans and 401ks from  You have children under 18 being depleted  You want permanent, fully guaranteed coverage Home † Your beneficiary can  You'd like to o昀昀er a tax-free death bene昀椀t to your bene昀椀ciary use the cash benefits to Here’s how Whole Life works help pay the mortgage, Premiums are payable to age 95 and are conveniently payroll deducted. The longer the policy coverage continue rental payments, continues and or perform needed premiums are paid, the more the cash value builds. home repairs Cash values and payments Expenses As premiums are paid, the policy is building cash value over time. Premiums are guaranteed at issue and the The cash bene昀椀t can be coverage becomes fully paid-up at age 95 if all premiums have been paid. used to help pay for If the decision is made to stop paying premiums after the coverage is e昀昀ective and has developed cash medical and living value, various non-forfeiture options are available. expenses such as bills, Extended Term Insurance (ETI) is the default non-forfeiture option when premium payments stop and electricity and gas there is no active selection made to continue coverage. ETI reduces the duration of coverage (now a shorter term instead of whole life), but provides the same amount of death bene昀椀t. Bene昀椀ts Whole Life Insurance provides either: Death Bene昀椀t - pays a lump-sum cash bene昀椀t when the insured dies; or † With proper planning, the Maturity Bene昀椀t - pays a lump-sum cash bene昀椀t if the insured is still living at age 121 death bene昀椀t can pass to your bene昀椀ciaries free from state or federal estate taxes. Please 3 consult with your tax advisor OPTIONAL/ADDITIONAL RIDER BENEFITS for speci昀椀c information. Accelerated Death Bene昀椀t for Terminal Illness or Condition* -^ an advance of the death bene昀椀t, up to 75% of the certi昀椀cate face amount, when certi昀椀ed terminally ill You may be required to answer Accelerated Death Bene昀椀t for Long Term Care with Extension of Bene昀椀ts** -^ a monthly advance of 4% of health questions at enrollment. the death bene昀椀t for up to 50 months while receiving quali昀椀ed long-term care services after a 90-day elimination period Coverage may be available with when certi昀椀ed chronically ill by a licensed health care practitioner reduced underwriting through your employer during your initial 3 enrollment period. If you enroll The riders have exclusions and limitations, may vary in availability by issue or termination age, and may not be available to all covered dependents or in all states. Additional premiums may be required for riders added to coverage. after your initial enrollment *Premiums are waived after payment of bene昀椀t. **Premiums are waived for the months when the bene昀椀t is payable. period, answers to health questions are required. GWLBIN 3 POD126436