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Life / AD&D Insurance:


         Humana



                                                           Spouse Life / AD&D                   Child Life
                            Employee Life / AD&D
               AGE                                       Per Pay Period Cost per $1,000    Per Pay Period Cost for $10,000
                               Per Pay Period Cost per
                               $1,000 of Face Amount     of Face Amount  (Age Based on         Benefit on ALL
                                                               Employees Age)             Eligible Children to Age 26
                                      Weekly                       Weekly                         Weekly


              Under 25                $0.025                        $0.018                         $0.46

               25 - 29                $0.025                        $0.018                          N/A

               30 - 34                $0.028                        $0.021                          N/A


               35 - 39                $0.035                        $0.025                          N/A

               40 - 44                $0.046                        $0.035                          N/A

               45 - 49                $0.069                        $0.051                          N/A


               50 - 54                $0.106                        $0.076                          N/A

               55 - 59                $0.164                        $0.115                          N/A


               60 - 64                $0.226                        $0.159                          N/A

               65 - 69                $0.369                        $0.258                          N/A


               70 - 74                $0.715                        $0.501                          N/A

               75 - 79                $1.375                        $0.960                          N/A

                80 +                  $2.559                        $1.784                          N/A

         Employees are responsible for paying the cost of voluntary life coverage through payroll deduction. Calculate the cost by dividing the
         amount of voluntary life insurance by 1,000 and multiply by the appropriate rate above. Follow the example below to determine your Per
         Pay Period cost.  This example provides $75,000 of Basic Life and additional $75,000 AD&D for Total of $150,000. Same rate for males or
         females and Tobacco users.



             Example amount          Divided by 1,000      Multiplied by rate of 30 year   Example  Cost Per
               of Insurance                                           old                     Pay Period
                  $75,000              / 1000  = 100                X $0.028                    $2.08


             Example amount                                Multiplied by rate of 45 year   Example  Cost Per
                                     Divided by 1,000
               of Insurance                                           old                     Pay Period
                  $75,000              / 1000  = 100                X $0.069                    $5.19

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