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Life / AD&D Insurance:

Mutual of Omaha

Basic Life Insurance and Accidental Death & Dismemberment (AD&D)

National Door Industries, Inc. provides full-time employees a life insurance benefit and a matching AD&D
policy equal to the life insurance benefit. National Door Industries, Inc. pays the full cost of these plans.
Your benefits will reduce to 65% at age 65, and to 50% at age 70. Benefits terminate at retirement.

Voluntary Life Insurance and Accidental Death & Dismemberment (AD&D)
National Door Industries, Inc. offers full-time employees a Voluntary Life / AD&D policy for yourselves,
your spouse, and your dependent children. In order to elect coverage for a spouse or child, you
must elect coverage for yourself. This plan is offered through a competitive group policy by your
employer. It is 100% employee paid and will be paid through payroll deduction. Your benefits will
reduce to 65% at age 65, and to 50% at age 70. Spouse coverage terminates at Employee age 70.

Employee Life / AD&D Spouse Life / AD&D Child Life / AD&D

Maximum Benefit 5x Annual Salary, up to 100% of Employee’s Benefit, 100% of Employee’s
Amount $300,000 up to $250,000 benefit, up to $10,000

Minimum Benefit
$10,000 $5,000 $10,000
Amount
Guarantee Issue 5x Annual Salary, up to 100% of Employee’s Benefit, 100% of Employee’s
Amount—New Hire $100,000 up to $25,000 Benefit

Able to increase by $10,000 per
Open Enrollment N/A N/A
year for employees already

If you chose an amount at initial If you chose an amount at initial
Qualifying Event enrollment less than the GI enrollment less than the GI N/A
Increase amount, it can be increased up amount, it can be increased up
to the GI amount. to the GI amount.

Accelerated Death 80% of your basic Life Benefit to obtain if diagnosed with a terminal illness up to benefit
Benefit / Living Care maximum.

If it is determined that you are totally disabled, your life insurance benefit will continue
Waiver of Premium
without payment of premium, subject to certain conditions.

Additional AD&D In addition to basic AD&D benefits, you are protected by the following benefits:
Benefits Seat Belt Coma Airbag Common Carrier Child Education Paralysis

The portability feature allows you to continue this insurance for yourself and your
dependents (if applicable) should your employment end, subject to the terms of eligibility
Portability
defined in the policy, without having to provide evidence of insurability (information about
your health). This feature requires the member to contact Mutual of Omaha to initiate.
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