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GUARDIAN%u00ae is a registered trademark of The Guardian Life Insurance Company of AmericaSpindlehorse Kit created 10/25/2024All Eligible Employees Group number: 00072640Your life coverageBASIC LIFEEmployee Benefit Your employer provides $50,000Basic Term Life coverage for allfull time employees.Accidental Death and Dismemberment Your Basic Life coverage includesAccidental Death andDismemberment coverage.Guarantee Issue: The %u2018guarantee%u2019 means you are not required to answer health questions to qualify forcoverage up to and including the specified amount, when you sign up for coverage during the initialenrollment period.Guarantee Issue coverage up to$50,000 per employeePremiums Covered by your company if youmeet eligibility requirementsPortability: Allows you to take coverage with you if you terminate employment. Yes, with age and otherrestrictions, including evidence ofinsurabilityConversion: Allows you to continue your coverage after your group plan has terminated. Yes, with restrictions; seecertificate of benefitsAccelerated Life Benefit: A lump sum benefit is paid to you if you are diagnosed with a terminalcondition, as defined by the plan.YesWaiver of Premiums: Premium will not need to be paid if you are totally disabled. For employees disabled prior toage 60, with premiums waiveduntil age 65, if conditions are metBenefit Reductions: Benefits are reduced by a certain percentage as an employee ages. 35% at age 65, 60% at age 70, 75%at age 75, 85% at age 80Subject to coverage limitsThe Guarantee Issue amount may be subject to reductions by percentage at the ages shown in this summary.1423