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Life / AD&D Insurance:


         Mutual of Omaha




                                                                                          Child Life / AD&D
                                Employee Life / AD&D         Spouse Life / AD&D
                    AGE         Per Pay Period Cost per   Per Pay Period Cost per $1,000   Per Pay Period Cost for
                                                                                        $10,000 Benefit on ALL
                                $1,000 of Face Amount          of Face Amount
                                                                                      Eligible Children to Age 26
                Spouse Age Based
                                     24 Pay Period              24 Pay Period                  $0.010
                on Employees Age
                    0-19               $0.050                      $0.050                      $0.010

                    20-24              $0.050                      $0.050                      $0.010

                   25 - 29             $0.050                      $0.050                       N/A

                   30 - 34             $0.055                      $0.055                       N/A

                   35 - 39             $0.060                      $0.060                       N/A

                   40 - 44             $0.090                      $0.090                       N/A

                   45 - 49             $0.150                      $0.150                       N/A

                   50 - 54             $0.240                      $0.240                       N/A


                   55 - 59             $0.365                      $0.365                       N/A

                   60 - 64             $0.565                      $0.565                       N/A

                   65 - 69             $1.010                      $1.010                       N/A

                   70 - 74             $1.800                      $1.800                       N/A

                   75 - 79              $5.99                       $5.99                       N/A

                    80 +                $5.99                       $5.99                       N/A

                     Your rate will be calculated when you go through the online enrollment process.
              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 for a 35 year old below to determine your monthly cost.  This example
              provides $100,000 of Basic Life and additional $100,000 AD&D for Total of $200,000.  Rates are the same for smokers or non-smokers, males or females and
              employees or spouses.


              Example amount
                                    Divided by 1,000     Multiplied by rate of 35 year old   Example Cost
                of Insurance

                  $100,000            / 1000  = 100                X $0.055                     $5.54

              Example amount                              Multiplied by rate of 45 year
                                     Divided by 1,000                                       Example Cost
                of Insurance                                         old
                  $100,000            / 1000  = 100                X $0.138                    $13.85

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