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Optional Life and Accidental Death

& Dismemberment (AD&D) Insurance

In addition to the Basic Life and Accidental Death & Dismemberment (AD&D)
Insurance provided to all benefits-eligible Associates as outlined in the Employer-
Paid Benefits section, Associates have the option to purchase additional benefits
for themselves and their dependents up to a maximum of $500,000 for you and / or
your spouse and $20,000 per child. Optional Life coverage is provided by Manulife.
Optional AD&D coverage is provided by Chubb.

RATES * PER $1,000 OF LIFE COVERAGE — ASSOCIATE AND/OR SPOUSAL
NON-SMOKER SMOKER
AGE BANDS MALE FEMALE MALE FEMALE

<25 0.076 0.023 0.121 0.04
25-29 0.052 0.023 0.084 0.04

30-34 0.066 0.028 0.116 0.049
35-39 0.077 0.047 0.136 0.081
40-44 0.098 0.083 0.174 0.146

45-49 0.149 0.144 0.267 0.256
50-54 0.258 0.237 0.465 0.426

55-59 0.469 0.389 0.865 0.716
60-64 0.695 0.574 1.315 1.083
CHILD — OPTIONAL LIFE INSURANCE $0.092 per $5,000 of Coverage

ASSOCIATE — OPTIONAL AD&D INSURANCE $0.024 per $1,000 of Coverage
FAMILY — OPTIONAL AD&D INSURANCE $0.036 per $1,000 of Coverage

* Rates listed are per month

Optional Critical Illness Insurance

Critical illness insurance helps you be prepared in case of a serious illness. It’s
insurance that is paid to you if you’re diagnosed and survive one of the covered
critical illnesses. It helps ease the financial strain resulting from getting seriously
ill so that you can focus on your recovery and carry on with your life.

If you or your spouse would like coverage, you can each buy up to $200,000 of
Optional Critical Illness Insurance, from a minimum of $10,000 in units of $5,000. You
can also buy up to $20,000 of Child coverage in units of $5,000, and you pay only one
premium — regardless of the number of children you cover. Children are covered for
the same 25 conditions as you, plus six child-specific conditions.

No Statement of Health is required for the first $30,000 of Employee or Spouse
coverage during your new hire enrolment. Critical illness coverage is subject to a
24-month pre-existing conditions clause and other exclusions.

16 AMERICAN EAGLE OUTFITTERS, INC.

2022 AEO FT HO Book CAN ENG 3.indd 16 2/13/22 9:10 AM