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Voluntary Life Insurance Plans"Making sure your employee benefits measure up."

Why Do You Need Insurance?

One way to determine how much insurance coverage you need is to look at your anticipated financial needs in the event of death or disability. Extra protection through USAble Life's Voluntary Benefit Package will provide your family with cash to make mortgage or rent payments to pay for groceries, taxes, education or outstanding debts, and more importantly, to keep your family together. Financial planners say this generally takes between 6 to 10 times your annual income to meet these needs. Voluntary Life Insurance

Your employer is providing you with the opportunity to obtain this coverage for you, at attractive group rates. This coverage is frequently portable! This means you can take the coverage with you should you leave employment.

Voluntary AD&D

Accidents are the #1 killer of Americans under age 38.11

USAble Lifes Voluntary AD&D provides additional coverage in the event of an accident. Individual Plans available.

REMEMBER...BEING PREPARED FOR THE FUTURE BY OBTAINING ADEQUATE INSURANCE PROTECTION IS ONE WAY YOU CAN PROVIDE FAMILY SECURITY. 1Accident Facts, 1992 Ed., National Safety Council

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Voluntary Life Insurance Plans"Making sure your employee benefits measure up."

All full-time employees through the age of 69 have the opportunity to purchase additional life insurance. Premiums are paid by easy payroll deduction. You may choose from $10,000 to $300,000 of term insurance in $10,000 increments. The followingtable provides rates per $10,000 of coverage. Before purchasing AD&D employee must have$10,000 in life coverage. USAble Life Rates for Monthly Deductions Blended -With Portability Benefit

AgesUnder 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64

$10,000 $.74 $1.12 $1.48 $2.42 $3.90 $6.30 $10.74 $15.36$20,000 $1.48 $2.24 $2.96 $4.84 $7.80 $12.60 $21.48 $30.72$30,000 $2.22 $3.36 $4.44 $7.26 $11.70 $18.90 $32.22 $46.08$40,000 $2.96 $4.48 $5.92 $9.68 $15.60 $25.20 $42.96 $61.44$50,000 $3.70 $5.60 $7.40 $12.10 $19.50 $31.50 $53.70 $76.80$60,000 $4.44 $6.72 $8.88 $14.52 $23.40 $37.80 $64.44 $92.16$70,000 $5.18 $7.84 $10.36 $16.94 $27.30 $44.10 $75.18 $107.52$80,000 $5.92 $8.96 $11.84 $19.36 $31.20 $50.40 $85.92 $122.88$90,000 $6.66 $10.08 $13.32 $21.78 $35.10 $56.70 $96.66 $138.24$100,000 $7.40 $11.20 $14.80 $24.20 $39.00 $63.00 $107.40 $153.60$110,000 $8.14 $12.32 $16.28 $26.62 $42.90 $69.30 $118.14 $168.96$120,000 $8.88 $13.44 $17.76 $29.04 $46.80 $75.60 $128.88 $184.32$130,000 $9.62 $14.56 $19.24 $31.46 $50.70 $81.90 $139.62 $199.68$140,000 $10.36 $15.68 $20.72 $33.88 $54.60 $88.20 $150.36 $215.04$150,000 $11.10 $16.80 $22.20 $36.30 $58.50 $94.50 $161.10 $230.40$160,000 $11.84 $17.92 $23.68 $38.72 $62.40 $100.80 $171.84 $245.76$170,000 $12.58 $19.04 $25.16 $41.14 $66.30 $107.10 $182.58 $261.12$180,000 $13.32 $20.16 $26.64 $43.56 $70.20 $113.40 $193.32 $276.48$190,000 $14.06 $21.28 $28.12 $45.98 $74.10 $119.70 $204.06 $291.84$200,000 $14.80 $22.40 $29.60 $48.40 $78.00 $126.00 $214.80 $307.20$210,000 $15.54 $23.52 $31.08 $50.82 $81.90 $132.30 $225.54 $322.56$220,000 $16.28 $24.64 $32.56 $53.24 $85.80 $138.60 $236.28 $337.92$230,000 $17.02 $25.76 $34.04 $55.66 $89.70 $144.90 $247.02 $353.28$240,000 $17.76 $26.88 $35.52 $58.08 $93.60 $151.20 $257.76 $368.64$250,000 $18.50 $28.00 $37.00 $60.50 $97.50 $157.50 $268.50 $384.00

$260,000 $19.24 $29.12 $38.48 $62.92 $101.40 $163.80 $279.24 $399.36 $270,000 $19.98 $30.24 $39.96 $65.34 $105.30 $170.10 $289.98 $414.72 $280,000 $20.72 $31.36 $41.44 $67.76 $109.20 $176.40 $300.72 $430.08 $290,000 $21.46 $32.48 $42.92 $70.18 $113.10 $182.70 $311.46 $445.44 $300,000 $22.20 $33.60 $44.40 $72.60 $117.00 $189.00 $322.20 $460.80

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Voluntary Accidental Death & Dismemberment Insurance

"Making sure your employee benefits measure up."

Your employer is offering all full-time employees the opportunity to purchase additional Voluntary Accidental Death & Dismemberment insurance. Premiums are paid by easy payroll deduction. Coverage is designed to provide benefits in the event the covered employee suffers a catastrophic injury or accidental death. You may purchase benefits from $10,000 to $300,000 in $10,000 increments.Your cost will depend on the amount of coverage you apply for, based on the following monthly rates:

Benefit Rate Benefit Rate $10,000.00 $.30 $160,000.00 $4.80 $20,000.00 $.60 $170,000.00 $5.10 $30,000.00 $.90 $180,000.00 $5.40 $40,000.00 $1.20 $190,000.00 $5.70 $50,000.00 $1.50 $200,000.00 $6.00 $60,000.00 $1.80 $210,000.00 $6.30 $70,000.00 $2.10 $220,000.00 $6.60 $80,000.00 $2.40 $230,000.00 $6.90 $90,000.00 $2.70 $240,000.00 $7.20 $100,000.00 $3.00 $250,000.00 $7.50 $110,000.00 $3.30 $260,000.00 $7.80 $120,000.00 $3.60 $270,000.00 $8.10 $130,000.00 $3.90 $280,000.00 $8.40 $140,000.00 $4.20 $290,000.00 $8.70 $150,000.00 $4.50 $300,000.00 $9.00