Voluntary Whole Life - Allstate

Provides a cash benefit directly to your beneficiary Underwritten by: AMERICAN HERITAGE LIFE INSURANCE COMPANY* Group Whole Life Insurance Life is unpredictable. Let Allstate Bene昀椀ts help you prepare for the unexpected with DID YOU Group Whole Life Insurance. Now you can provide your family with 昀椀nancial peace of mind for the future and the journey to get there. Not only do you get protection for your KNOW? lifetime, but you also have the ability to build cash value as you go. Give yourself and your loved ones a gift of love with Good Hands® protection from Allstate Bene昀椀ts. Reasons for purchasing life coverage include: replace Here’s How It Works income, 昀椀nal expenses, With Group Whole Life Insurance from Allstate Bene昀椀ts, you get simpli昀椀ed and wealth transfer and mortgage payo昀昀.2 straightforward coverage. You decide how much coverage and who to cover. You get guaranteed rates for the life of the policy and a guaranteed death bene昀椀t to be paid to your bene昀椀ciaries. As the policy builds cash value, you can achieve your 昀椀nancial goals Common 昀椀nancial concerns or borrow against it should you need to. among Americans include: the ability to a昀昀ord long-term care, medical and disability Meeting Your Needs expenses, retirement, investments, living debt/ • You choose a fully-guaranteed death bene昀椀t (premiums payable to age 95) to leave expenses and 昀椀nal expenses.2 behind, or if you live to age 121, a lump-sum maturity bene昀椀t is paid • Spouse may be covered1 Offered to the employees of: • Premiums are a昀昀ordable and conveniently payroll deducted Goshen Community • Coverage may be continued if you leave employment; refer to your certi昀椀cate for details Schools With Allstate Bene昀椀ts Group Whole Life, you can enjoy protection for the future while building peace of mind right now. Practical bene昀椀ts for everyday living.® *Allstate Bene昀椀ts is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate 1 Corporation. Coverage for spouse and child(ren) may be limited to a percentage of the employee's face amount in some 2 states. 2019 Insurance Barometer Study, LIMRA GWLBIN 1 POD126436

Like any adult who has emotional and 昀椀nancial responsibilities, we think about how our family would make ends meet if we died unexpectedly. Most importantly, we may think about the debt we leave behind. Here is what we may consider: • The cost of funerals often leaves a 昀椀nancial commitment behind for surviving loved ones • Money for day-to-day living expenses such as food, gas, and electricity will be needed • A substantial mortgage or rental payment may still be owed • Child care and education expenses for children Coverage for all stages of life As people move through the stages of life, certain factors dictate the type of life insurance they need. During working years, an employer may provide Term Life insurance, but the wraparound coverage of our Group Whole Life product can help give peace of mind because the money you spent builds cash value that you can use later in life or add to the term bene昀椀t payout. The graph below illustrates the need for term and permanent whole life insurance throughout the various stages of life. The examples above detail fictional thought processes and needs; your individual needs and reasons for coverage may vary. GWLBIN 2 POD126436

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

Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1)†, and Accelerated Death Benefit for Terminal Illness or Condition N O N - T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) N O N - T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) Face $20,000 $40,000 $60,000 $80,000 $100,000 Face Amount Amount Issue Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 This section intentionally This section intentionally Issue Age Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ left blank. left blank. Age 18 $5.04 $7,034 $10.08 $14,068 $15.12 $21,102 $20.16 $28,136 $25.20 $35,170 18 19 5.04 6,997 10.08 13,993 15.12 20,990 20.16 27,986 25.20 34,983 19 20 5.04 6,957 10.08 13,914 15.12 20,872 20.16 27,829 25.20 34,786 20 21 5.04 6,916 10.08 13,832 15.12 20,748 20.16 27,664 25.20 34,580 21 22 5.04 6,873 10.08 13,745 15.12 20,618 20.16 27,490 25.20 34,363 22 23 5.04 6,827 10.08 13,653 15.12 20,480 20.16 27,306 25.20 34,133 23 24 5.04 6,778 10.08 13,557 15.12 20,335 20.16 27,114 25.20 33,892 24 25 5.04 6,727 10.08 13,455 15.12 20,182 20.16 26,910 25.20 33,637 25 26 6.32 6,674 12.64 13,348 18.96 20,021 25.26 26,695 31.58 33,369 26 27 6.32 6,617 12.64 13,234 18.96 19,850 25.26 26,467 31.58 33,084 27 28 6.32 6,557 12.64 13,114 18.96 19,670 25.26 26,227 31.58 32,784 28 29 6.32 6,494 12.64 12,988 18.96 19,481 25.26 25,975 31.58 32,469 29 30 6.32 6,427 12.64 12,855 18.96 19,282 25.26 25,710 31.58 32,137 30 31 8.14 6,357 16.26 12,715 24.38 19,072 32.50 25,430 40.62 31,787 31 32 8.14 6,284 16.26 12,568 24.38 18,851 32.50 25,135 40.62 31,419 32 33 8.14 6,207 16.26 12,414 24.38 18,620 32.50 24,827 40.62 31,034 33 34 8.14 6,126 16.26 12,252 24.38 18,379 32.50 24,505 40.62 30,631 34 35 8.14 6,042 16.26 12,085 24.38 18,127 32.50 24,170 40.62 30,212 35 36 10.72 5,955 21.42 11,910 32.14 17,866 42.84 23,821 53.54 29,776 36 37 10.72 5,864 21.42 11,729 32.14 17,593 42.84 23,458 53.54 29,322 37 38 10.72 5,769 21.42 11,539 32.14 17,308 42.84 23,078 53.54 28,847 38 39 10.72 5,670 21.42 11,340 32.14 17,010 42.84 22,680 53.54 28,350 39 40 10.72 5,565 21.42 11,130 32.14 16,694 42.84 22,259 53.54 27,824 40 41 14.16 5,454 28.34 10,907 42.50 16,361 56.66 21,814 70.82 27,268 41 42 14.16 5,336 28.34 10,672 42.50 16,007 56.66 21,343 70.82 26,679 42 43 14.16 5,211 28.34 10,422 42.50 15,632 56.66 20,843 70.82 26,054 43 44 14.16 5,078 28.34 10,156 42.50 15,233 56.66 20,311 70.82 25,389 44 45 14.16 4,936 28.34 9,873 42.50 14,809 56.66 19,746 70.82 24,682 45 46 19.10 4,786 38.18 9,572 57.26 14,359 76.34 19,145 95.44 23,931 46 47 19.10 4,626 38.18 9,253 57.26 13,879 76.34 18,506 95.44 23,132 47 48 19.10 4,456 38.18 8,913 57.26 13,369 76.34 17,826 95.44 22,282 48 49 19.10 4,276 38.18 8,552 57.26 12,827 76.34 17,103 95.44 21,379 49 50 19.10 4,084 38.18 8,167 57.26 12,251 76.34 16,334 95.44 20,418 50 This rate insert is for use with materials for accounts sitused in Indiana, and is not to be used on its own. ¹ CV @ age 65 or 10 years - Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the certificate, and there is no certificate debt. EXCLUSIONS AND LIMITATIONS: Suicide Exclusion - If a covered person commits suicide, the death benefit may be limited to the premiums paid for that covered person. Pre-existing Condition Limitation - The Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1) rider may contain a pre-existing condition limitation. Other Exclusions and Limitations - The policy and riders (if included) have other elimination periods, exclusions and limitations that may affect coverage. Please refer to the certificate for details. Rates shown are based on Tobacco/Non-tobacco, Issue Age Banded rating structure. BIWEEKLY means 26 times per year. Age bands for rates are 0-17, 18-25, 26-30, 31-35, and so on in 5 year brackets up to 61-65, then separate rates for each individual age for ages 66, 67, 68, …, 80. This information is valid as long as information remains current, but in no event later than 12/31/2023. Group Whole Life Insurance benefits are provided under form GWLC, or state variations thereof. Rider benefits are provided under the following forms, or state variations thereof: Accelerated Death Benefit for Terminal Illness or Condition (GWPTI) and Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). Allstate Benefits is the marketing name used by This is a brief overview of the benefits available under the group voluntary policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). American Heritage Life Insurance Company (Home Details of the insurance, including exclusions, restrictions, and other provisions are included in the certificates issued. Office, Jacksonville, FL), a subsidiary of The Allstate For additional information, you may contact your Allstate Benefits Representative. Corporation. ©2022 Allstate Insurance Company. www.allstate.com or allstatebenefits.com HO Use Only: lhumm-20221011-8211-IN-TNTB- † Issue Ages 18-70 Only for Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). B_STD_-FALSE-1033-FA-20000-100000-20000- PI:E-26x-TI:T-PWP:F-ADB:F-TYT:0-GWCLTCE:T- CT:F-ST:F-UWR Ratecard generated October 11, 2022 - 4:05 PM by ABQuote 09.28.2022. ABJ20743-14815 page 1 of 4 FOR AGENT USE ONLY GWLBIN 4 POD126436

Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1)†, and Accelerated Death Benefit for Terminal Illness or Condition N O N - T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) Face $20,000 $40,000 $60,000 $80,000 $100,000 Face Amount Amount Issue Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 This section intentionally This section intentionally Issue Age Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ left blank. left blank. Age 51 $26.58 $3,879 $53.14 $7,759 $79.72 $11,638 $106.28 $15,518 $132.86 $19,397 51 52 26.58 3,663 53.14 7,325 79.72 10,988 106.28 14,650 132.86 18,313 52 53 26.58 3,433 53.14 6,866 79.72 10,298 106.28 13,731 132.86 17,164 53 54 26.58 3,189 53.14 6,378 79.72 9,566 106.28 12,755 132.86 15,944 54 55 26.58 2,930 53.14 5,860 79.72 8,791 106.28 11,721 132.86 14,651 55 56 38.18 3,075 76.36 6,150 114.54 9,226 152.72 12,301 190.90 15,376 56 57 38.18 3,228 76.36 6,456 114.54 9,683 152.72 12,911 190.90 16,139 57 58 38.18 3,388 76.36 6,776 114.54 10,164 152.72 13,552 190.90 16,940 58 59 38.18 3,557 76.36 7,113 114.54 10,670 152.72 14,226 190.90 17,783 59 60 38.18 3,733 76.36 7,467 114.54 11,200 152.72 14,934 190.90 18,667 60 61 55.28 3,919 110.52 7,837 165.80 11,756 221.06 15,674 276.32 19,593 61 62 55.28 4,113 110.52 8,225 165.80 12,338 221.06 16,450 276.32 20,563 62 63 55.28 4,315 110.52 8,630 165.80 12,945 221.06 17,260 276.32 21,575 63 64 55.28 4,526 110.52 9,052 165.80 13,577 221.06 18,103 276.32 22,629 64 65 55.28 4,744 110.52 9,489 165.80 14,233 221.06 18,978 276.32 23,722 65 66 66.06 4,971 132.10 9,942 198.14 14,913 264.20 19,884 330.24 24,855 66 67 70.68 5,205 141.34 10,411 212.02 15,616 282.68 20,822 353.36 26,027 67 68 80.02 5,447 160.02 10,894 240.04 16,341 320.04 21,788 400.04 27,235 68 69 82.24 5,695 164.48 11,390 246.70 17,085 328.92 22,780 411.16 28,475 69 70 88.06 5,947 176.10 11,895 264.14 17,842 352.18 23,790 440.24 29,737 70 w/EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI w/EOI 71 87.10 6,246 174.18 12,492 261.26 18,738 348.34 24,984 435.44 31,230 71 72 94.14 6,553 188.28 13,107 282.42 19,660 376.56 26,214 470.70 32,767 72 73 102.10 6,876 204.20 13,753 306.28 20,629 408.38 27,506 510.46 34,382 73 74 110.92 7,217 221.82 14,434 332.74 21,652 443.64 28,869 554.54 36,086 74 75 120.76 7,566 241.50 15,131 362.24 22,697 483.00 30,262 603.74 37,828 75 76 131.82 7,923 263.64 15,846 395.46 23,768 527.26 31,691 659.08 39,614 76 77 144.28 8,305 288.52 16,610 432.80 24,916 577.06 33,221 721.32 41,526 77 78 158.24 8,722 316.46 17,444 474.68 26,165 632.90 34,887 791.12 43,609 78 79 173.90 9,189 347.78 18,378 521.66 27,566 695.54 36,755 869.44 45,944 79 80 191.44 9,739 382.86 19,477 574.30 29,216 765.74 38,954 957.16 48,693 80 This rate insert is for use with materials for accounts sitused in Indiana, and is not to be used on its own. ¹ CV @ age 65 or 10 years - Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the certificate, and there is no certificate debt. EXCLUSIONS AND LIMITATIONS: Suicide Exclusion - If a covered person commits suicide, the death benefit may be limited to the premiums paid for that covered person. Pre-existing Condition Limitation - The Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1) rider may contain a pre-existing condition limitation. Other Exclusions and Limitations - The policy and riders (if included) have other elimination periods, exclusions and limitations that may affect coverage. Please refer to the certificate for details. Rates shown are based on Tobacco/Non-tobacco, Issue Age Banded rating structure. BIWEEKLY means 26 times per year. Age bands for rates are 0-17, 18-25, 26-30, 31-35, and so on in 5 year brackets up to 61-65, then separate rates for each individual age for ages 66, 67, 68, …, 80. This information is valid as long as information remains current, but in no event later than 12/31/2023. Group Whole Life Insurance benefits are provided under form GWLC, or state variations thereof. Rider benefits are provided under the following forms, or state variations thereof: Accelerated Death Benefit for Terminal Illness or Condition (GWPTI) and Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). Allstate Benefits is the marketing name used by This is a brief overview of the benefits available under the group voluntary policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). American Heritage Life Insurance Company (Home Details of the insurance, including exclusions, restrictions, and other provisions are included in the certificates issued. Office, Jacksonville, FL), a subsidiary of The Allstate For additional information, you may contact your Allstate Benefits Representative. Corporation. ©2022 Allstate Insurance Company. www.allstate.com or allstatebenefits.com HO Use Only: lhumm-20221011-8211-IN-TNTB- † Issue Ages 18-70 Only for Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). B_STD_-FALSE-1033-FA-20000-100000-20000- PI:E-26x-TI:T-PWP:F-ADB:F-TYT:0-GWCLTCE:T- CT:F-ST:F-UWR Ratecard generated October 11, 2022 - 4:05 PM by ABQuote 09.28.2022. ABJ20743-14815 page 2 of 4 FOR AGENT USE ONLY GWLBIN 5 POD126436

Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1)†, and Accelerated Death Benefit for Terminal Illness or Condition T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) Face $20,000 $40,000 $60,000 $80,000 $100,000 Face Amount Amount Issue Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 This section intentionally This section intentionally Issue Age Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ left blank. left blank. Age 19 $8.36 $8,794 $16.70 $17,589 $25.04 $26,383 $33.40 $35,178 $41.74 $43,972 19 20 8.36 8,745 16.70 17,491 25.04 26,236 33.40 34,982 41.74 43,727 20 21 8.36 8,694 16.70 17,388 25.04 26,081 33.40 34,775 41.74 43,469 21 22 8.36 8,640 16.70 17,279 25.04 25,919 33.40 34,558 41.74 43,198 22 23 8.36 8,582 16.70 17,164 25.04 25,747 33.40 34,329 41.74 42,911 23 24 8.36 8,522 16.70 17,044 25.04 25,567 33.40 34,089 41.74 42,611 24 25 8.36 8,459 16.70 16,918 25.04 25,377 33.40 33,836 41.74 42,295 25 26 10.44 8,392 20.86 16,785 31.30 25,177 41.74 33,570 52.16 41,962 26 27 10.44 8,322 20.86 16,644 31.30 24,966 41.74 33,288 52.16 41,610 27 28 10.44 8,247 20.86 16,495 31.30 24,742 41.74 32,990 52.16 41,237 28 29 10.44 8,169 20.86 16,337 31.30 24,506 41.74 32,674 52.16 40,843 29 30 10.44 8,085 20.86 16,170 31.30 24,256 41.74 32,341 52.16 40,426 30 31 13.06 7,997 26.12 15,994 39.16 23,992 52.22 31,989 65.28 39,986 31 32 13.06 7,904 26.12 15,809 39.16 23,713 52.22 31,618 65.28 39,522 32 33 13.06 7,806 26.12 15,612 39.16 23,419 52.22 31,225 65.28 39,031 33 34 13.06 7,703 26.12 15,407 39.16 23,110 52.22 30,814 65.28 38,517 34 35 13.06 7,596 26.12 15,192 39.16 22,787 52.22 30,383 65.28 37,979 35 36 16.86 7,483 33.70 14,965 50.54 22,448 67.40 29,930 84.24 37,413 36 37 16.86 7,364 33.70 14,728 50.54 22,093 67.40 29,457 84.24 36,821 37 38 16.86 7,240 33.70 14,481 50.54 21,721 67.40 28,962 84.24 36,202 38 39 16.86 7,110 33.70 14,221 50.54 21,331 67.40 28,442 84.24 35,552 39 40 16.86 6,974 33.70 13,947 50.54 20,921 67.40 27,894 84.24 34,868 40 41 22.02 6,829 44.04 13,659 66.06 20,488 88.06 27,318 110.08 34,147 41 42 22.02 6,677 44.04 13,354 66.06 20,031 88.06 26,708 110.08 33,385 42 43 22.02 6,515 44.04 13,031 66.06 19,546 88.06 26,062 110.08 32,577 43 44 22.02 6,344 44.04 12,688 66.06 19,032 88.06 25,376 110.08 31,720 44 45 22.02 6,161 44.04 12,323 66.06 18,484 88.06 24,646 110.08 30,807 45 46 28.92 5,967 57.82 11,935 86.74 17,902 115.64 23,870 144.54 29,837 46 47 28.92 5,762 57.82 11,523 86.74 17,285 115.64 23,046 144.54 28,808 47 48 28.92 5,543 57.82 11,086 86.74 16,630 115.64 22,173 144.54 27,716 48 49 28.92 5,311 57.82 10,623 86.74 15,934 115.64 21,246 144.54 26,557 49 50 28.92 5,065 57.82 10,130 86.74 15,195 115.64 20,260 144.54 25,325 50 This rate insert is for use with materials for accounts sitused in Indiana, and is not to be used on its own. ¹ CV @ age 65 or 10 years - Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the certificate, and there is no certificate debt. EXCLUSIONS AND LIMITATIONS: Suicide Exclusion - If a covered person commits suicide, the death benefit may be limited to the premiums paid for that covered person. Pre-existing Condition Limitation - The Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1) rider may contain a pre-existing condition limitation. Other Exclusions and Limitations - The policy and riders (if included) have other elimination periods, exclusions and limitations that may affect coverage. Please refer to the certificate for details. Rates shown are based on Tobacco/Non-tobacco, Issue Age Banded rating structure. BIWEEKLY means 26 times per year. Age bands for rates are 0-17, 18-25, 26-30, 31-35, and so on in 5 year brackets up to 61-65, then separate rates for each individual age for ages 66, 67, 68, …, 80. This information is valid as long as information remains current, but in no event later than 12/31/2023. Group Whole Life Insurance benefits are provided under form GWLC, or state variations thereof. Rider benefits are provided under the following forms, or state variations thereof: Accelerated Death Benefit for Terminal Illness or Condition (GWPTI) and Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). Allstate Benefits is the marketing name used by This is a brief overview of the benefits available under the group voluntary policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). American Heritage Life Insurance Company (Home Details of the insurance, including exclusions, restrictions, and other provisions are included in the certificates issued. Office, Jacksonville, FL), a subsidiary of The Allstate For additional information, you may contact your Allstate Benefits Representative. Corporation. ©2022 Allstate Insurance Company. www.allstate.com or allstatebenefits.com HO Use Only: lhumm-20221011-8211-IN-TNTB- † Issue Ages 18-70 Only for Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). B_STD_-FALSE-1033-FA-20000-100000-20000- PI:E-26x-TI:T-PWP:F-ADB:F-TYT:0-GWCLTCE:T- CT:F-ST:F-UWR Ratecard generated October 11, 2022 - 4:05 PM by ABQuote 09.28.2022. ABJ20743-14815 page 3 of 4 FOR AGENT USE ONLY GWLBIN 6 POD126436

Allstate Benefits Group Whole Life Insurance (GWL) for Employee/Member with riders (when available for the issue age): Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1)†, and Accelerated Death Benefit for Terminal Illness or Condition T O B A C C O P R E M I U M R A T E S A N D V A L U E S (These are GI quotes, unless otherwise noted) Face $20,000 $40,000 $60,000 $80,000 $100,000 Face Amount Amount Issue Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 This section intentionally This section intentionally Issue Age Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ left blank. left blank. Age 51 $38.62 $4,803 $77.26 $9,606 $115.88 $14,408 $154.50 $19,211 $193.12 $24,014 51 52 38.62 4,524 77.26 9,048 115.88 13,573 154.50 18,097 193.12 22,621 52 53 38.62 4,227 77.26 8,455 115.88 12,682 154.50 16,910 193.12 21,137 53 54 38.62 3,912 77.26 7,823 115.88 11,735 154.50 15,646 193.12 19,558 54 55 38.62 3,575 77.26 7,150 115.88 10,725 154.50 14,300 193.12 17,875 55 56 52.24 3,686 104.46 7,371 156.70 11,057 208.94 14,742 261.16 18,428 56 57 52.24 3,795 104.46 7,590 156.70 11,386 208.94 15,181 261.16 18,976 57 58 52.24 3,905 104.46 7,811 156.70 11,716 208.94 15,622 261.16 19,527 58 59 52.24 4,017 104.46 8,034 156.70 12,050 208.94 16,067 261.16 20,084 59 60 52.24 4,130 104.46 8,261 156.70 12,391 208.94 16,522 261.16 20,652 60 61 69.90 4,245 139.80 8,491 209.70 12,736 279.60 16,982 349.50 21,227 61 62 69.90 4,364 139.80 8,728 209.70 13,092 279.60 17,456 349.50 21,820 62 63 69.90 4,488 139.80 8,976 209.70 13,464 279.60 17,952 349.50 22,440 63 64 69.90 4,631 139.80 9,261 209.70 13,892 279.60 18,522 349.50 23,153 64 65 69.90 4,811 139.80 9,621 209.70 14,432 279.60 19,242 349.50 24,053 65 66 82.22 5,002 164.44 10,003 246.66 15,005 328.86 20,006 411.08 25,008 66 67 87.52 5,206 175.04 10,412 262.56 15,618 350.06 20,824 437.58 26,030 67 68 93.88 5,425 187.74 10,851 281.62 16,276 375.48 21,702 469.36 27,127 68 69 100.30 5,662 200.58 11,324 300.86 16,987 401.14 22,649 501.44 28,311 69 70 106.80 5,914 213.60 11,828 320.38 17,742 427.18 23,656 533.98 29,570 70 w/EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI Quote Requires EOI w/EOI 71 106.54 6,175 213.08 12,350 319.62 18,526 426.16 24,701 532.70 30,876 71 72 114.62 6,442 229.22 12,884 343.84 19,326 458.44 25,768 573.04 32,210 72 73 123.48 6,710 246.94 13,420 370.42 20,130 493.88 26,840 617.36 33,550 73 74 133.36 6,979 266.70 13,958 400.04 20,937 533.40 27,916 666.74 34,895 74 75 144.40 7,263 288.80 14,526 433.18 21,789 577.58 29,052 721.96 36,315 75 76 156.76 7,557 313.52 15,113 470.26 22,670 627.02 30,226 783.78 37,783 76 77 170.54 7,856 341.08 15,712 511.62 23,567 682.16 31,423 852.70 39,279 77 78 185.86 8,183 371.72 16,365 557.56 24,548 743.42 32,730 929.28 40,913 78 79 202.86 8,557 405.70 17,114 608.54 25,672 811.40 34,229 1,014.24 42,786 79 80 221.68 9,021 443.32 18,043 665.00 27,064 886.66 36,086 1,108.32 45,107 80 This rate insert is for use with materials for accounts sitused in Indiana, and is not to be used on its own. ¹ CV @ age 65 or 10 years - Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the certificate, and there is no certificate debt. EXCLUSIONS AND LIMITATIONS: Suicide Exclusion - If a covered person commits suicide, the death benefit may be limited to the premiums paid for that covered person. Pre-existing Condition Limitation - The Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1) rider may contain a pre-existing condition limitation. Other Exclusions and Limitations - The policy and riders (if included) have other elimination periods, exclusions and limitations that may affect coverage. Please refer to the certificate for details. Rates shown are based on Tobacco/Non-tobacco, Issue Age Banded rating structure. BIWEEKLY means 26 times per year. Age bands for rates are 0-17, 18-25, 26-30, 31-35, and so on in 5 year brackets up to 61-65, then separate rates for each individual age for ages 66, 67, 68, …, 80. This information is valid as long as information remains current, but in no event later than 12/31/2023. Group Whole Life Insurance benefits are provided under form GWLC, or state variations thereof. Rider benefits are provided under the following forms, or state variations thereof: Accelerated Death Benefit for Terminal Illness or Condition (GWPTI) and Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). Allstate Benefits is the marketing name used by This is a brief overview of the benefits available under the group voluntary policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). American Heritage Life Insurance Company (Home Details of the insurance, including exclusions, restrictions, and other provisions are included in the certificates issued. Office, Jacksonville, FL), a subsidiary of The Allstate For additional information, you may contact your Allstate Benefits Representative. Corporation. ©2022 Allstate Insurance Company. www.allstate.com or allstatebenefits.com HO Use Only: lhumm-20221011-8211-IN-TNTB- † Issue Ages 18-70 Only for Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWCLTCE, GWCLTCE1). B_STD_-FALSE-1033-FA-20000-100000-20000- PI:E-26x-TI:T-PWP:F-ADB:F-TYT:0-GWCLTCE:T- CT:F-ST:F-UWR Ratecard generated October 11, 2022 - 4:05 PM by ABQuote 09.28.2022. ABJ20743-14815 page 4 of 4 FOR AGENT USE ONLY GWLBIN 7 POD126436

CERTIFICATE SPECIFICATIONS Pre-Existing Condition Limitation Accelerated Death Bene昀椀t for Long Term Care with Extension of Bene昀椀ts Rider - ^ Bene昀椀ts are not paid for a period of chronic illness care resulting from a pre-existing condition that begins within the 昀椀rst 6 months after the e昀昀ective date of coverage. This does not apply to a period of care beginning 6 months after the e昀昀ective date. A pre-existing condition is a condition for which medical advice or treatment was recommended or received from a medical professional within 6 months before the e昀昀ective date. Exclusions Accelerated Death Bene昀椀t for Long Term Care with Extension of Bene昀椀ts Rider -^ Bene昀椀ts are not paid for long-term care services that are: a result of mental or emotional disorder (except for Alzheimer's Disease, senility or senile dementia that are of organic origin); a result of alcoholism or drug addiction; a result of illness, treatment or medical conditions due to: act of war, participation in a felony, riot or insurrection, serving in the armed forces or auxiliary units, suicide or attempt at suicide, or intentionally self-in昀氀icted injury; provided in a government facility (unless required by law); services for which bene昀椀ts are available under Medicare (except for deductibles or coinsurance requirements) or other governmental program (except Medicaid), any state or federal workers' compensation, employer's liability or occupational disease law, or motor vehicle no-fault law; received outside the United States or its territories. Suicide Exclusion for Group Whole Life - ^If the insured or rider insured (if included) commits suicide within 2 years of the e昀昀ective date of coverage, the death bene昀椀t will be limited to the premiums paid. This brochure is for use in enrollments sitused in IN. This advertisement is a solicitation of insurance; contact may be made by an Allstate Bene昀椀ts Agent, Agency, or Representative. This material is valid as long as information remains current, but in no event later than October 11, 2025. Group Whole Life Insurance bene昀椀ts are provided under form GWLP, or state variations thereof. Rider bene昀椀ts are Allstate Benefits is the marketing provided under the following forms, or state variations thereof: Accelerated Death Bene昀椀t for Terminal Illness or name used by American Heritage Condition (GWPTI) and Accelerated Death Bene昀椀t for Long Term Care with Extension of Bene昀椀ts (GWPLTCE, Life Insurance Company, a subsidiary GWPLTCE1). of The Allstate Corporation. ©2022 This is a brief overview of the bene昀椀ts available under the group voluntary policy underwritten by American Heritage Allstate Insurance Company. Life Insurance Company (Home O昀케ce, Jacksonville, FL). Details of the insurance, including exclusions, restrictions, www.allstate.com or and other provisions are included in the certi昀椀cates issued. For additional information, you may contact your Allstate allstatebene昀椀ts.com Bene昀椀ts Representative. GWLBIN 8 POD126436