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A&M System Group term life and AD&D insurance

Insurance products issued by: Minnesota Life Insurance Company

Protect your family's financial future Enroll in your group Life insurance plan

THE TEXASA&M UNIVERSITY

SYSTEM

Take advantage of group life insurance at work The following coverage options are available to elect without providing proof of good health.

Within 60 days of initial eligibility:

Employees with A&M System health coverage or no health coverage can elect the following coverage amounts:

• Employee: Elect up to 3x annual salary

• Spouse: Elect $25,000 or $50,000

Employees with health coverage outside A&M System can elect the following coverage amounts:

. Spouse: $5,000 or 50% of the employees' amount of alternate basic life (ABL)

Always guaranteed:

• Child(ren): Elections never require proof of good health

Elections made outside of initial eligibility and elections exceeding these amounts require proof of good health.

Enroll Go to workday https:ljsso.tamus.edu

Questions? Ca ll Securian at 1-877-443-5854

Why do I need life insurance? Why do I need this insurance?

Group term life insurance provides affordable insurance protection during your working years. It provides an additional level of financial protection alongside your personal savings, individual life insurance and Social Security benefits. Group term life insurance allows you the flexibility to increase your coverage when your family's need for financial protection is the greatest and to lower your coverage when your financial commitments decrease.

Beneficiaries rece ive funds to help with their everyday living expenses - such as mortgage payments or medical bills -education expenses, your funeral costs and more.

Your fami ly is everything - and group term life insurance can help protect their financial future so you can enjoy everyday moments in the here and now.

Accidental death and dismemberment (AD&D) insurance provides additional financial protection should you or your family die or become dismembered due to a covered accident - whether it occurs at work or elsewhere.

Your basic and optional coverages

Basic coverage (automatically enrolled)

Basic term life and AD&D

If you have health coverage with A&M System

Alternate basic term life (ABL) and AD&D

If you have health coverage outside A&M System

Basic term life and AD&D

Term li fe:

AD&D:

Chil d li fe :

$7,500

$5,000

$5,000 fo r each elig ib le dependent ch il d

Monthly cost : Employer paid

Term life:

AD&D:

Chil d li fe :

Monthly cost :

Term li fe:

AD&D:

$50,000

$5,000

$5,000 for each eligible dependent ch ild

Employer paid

$7,500

$5,000

If you have no Ch ild li fe: $5,000 for each elig ib le dependent child

$0.564 per $1,000 per month (emp loyee-pa id) health coverage Monthly cost:

I Optional coverages

Optional life

Dependent life

Y2, 1, 2, 3, 4, 5, 6 or 6x annua lized sa lary

Optio n A (on ly current optio na l li fe partic ipants) :

Enro ll ed spouse: $25,000, $50,000, $75,000, $100,000, $150,000 or $200,000

Enroll ed chi ldren: $10,000

Option B

Enrolled spouse and chil dren: $5,000 term li fe and a matching $5,000 AD&D

Optio n C (on ly current ABL participants):

Enrolled spouse: 50% of employee's ABL coverage

Enrolled children: 10% of employee's ABL coverage

Employee p lan:

·Maximum coverage: $1,000,000

• Not ava ilab le to emp loyees covered under A lternate Basic Life (ABL)

·Spouse considerations

• Coverage cannot exceed 100% of a employee 's optiona l life amount

• A spouse is not eligible for coverage if he/she is enro lled for coverage as an emp loyee

• Chi ld cons iderations

• Chi ldren are eligib le from live birth to 26

• A ch ild may on ly be covered by one parent

(annua l sa lary less than or equa l to $25,000): . Maximum coverage: $250,000

Optional AD&D

$10,000 increments

Employee plan: (annual sa lary $25,000 or greater) . Maximum coverage: $800,000

1-10x sa lary in $10,000 increments

Family p lan: (percent of employee's pr incipa l sum) :

Spouse (with chi ldren): 50%

Spouse (no children): 60%

Each ch ild (with spouse) : 10%

Each ch ild (no spouse): 15%

· Maximum chi ld coverage: $25,000

J

Monthly cost of coverage

Optional life (rates per $1 000 per month) , Age Non-tobacco Tobacco

Under 25 $0.050 $0.100

25-29 0.050 0.100

30-3~ 0.050 0.100

35-39 0.060 0.120

~0 - ~~ 0.070 0 .1~0

~5-~9 0.120 0.2~0

50-5~ 0.200 0.~00

55-59 0.360 0.720

60-M 0.560 1.120

65-69 0.760 1.520

70-7~ 1.~30 2.860

75 and over 2.000 ~.000

Rates increase with age

Dependent life option A and C - spouse (rates er 1 000 er month) ,

~ Age Non-tobacco Tobacco

Under25 $0.050 $0.060

25-29 0.060 0.072

30-3~ 0.080 0.096

35-39 0.090 0.108

~0-~~ 0.100 0.120

~5-~9 0.150 0.180

50 -5~ 0.230 0.276

55-59 0.~30 0.516

60-M 0.660 0.792

65-69 1.270 1.52~

70 and over 2.060 2.~72

Rates increase with age

De endent term life Option A and C - Ch ildren $0.06 per $1,000 per month

Option B - Spouse and children

$1.37 per month

0 tlonal AD&D Employee $0 .1~ per $10,000 per month

Employee and family $0 . 2~ per $10,000 per month

All rates are subject to change.

A tobacco user is defined as an individual who has used tobacco in any form during the past 3 months or is currently using nicotine in any form. If a tobacco status is not designated, premiums will be deducted at tobacco rates.

Here's the easy math to your monthly premium:

Total coverage you need $ _________ _

+ 1,000 $--------

x your rate $ _________ _

= Monthly premium$ _________ _

How much life insurance do I need? Check out our life insurance calculator

. at LifeBenefits.com/insuranceneeds

Take your coverage with you If you are no longer eligible for coverage as an active employee, you may be eligible to port your group life insurance coverage or you may convert your life coverage to an individual life insurance policy. Premiums may be higher than those paid by active employees.

This is a summary of plan provisions related to the insurance policy issued by Minnesota Life Insurance Company to Texas A&M. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations, and terms of coverage. All elections or increases are subject to the actively at work requirement of the policy.

Products offered under policy form series MHC-96-13180.L,2 and 02-30L,28L,2.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates.

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