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Coma Benefit

 If you suffer a covered injury that results in a coma for 31 days or longer, an additional monthly benefit
is paid for up to 36 months.

Common Disaster Benefit
 If you and your spouse have family coverage and both die as a result of injuries sustained in a covered
accident, your spouse’s coverage amount is increased to match your coverage amount.

Exposure Benefit
 If you suffer a covered loss as a result of exposure to the elements, your full benefit amount is paid.

Disappearance Benefit
 If you are involved in a plane crash, ship wreck, or similar event and your body is not found within one
year, the full AD&D loss of life benefit amount is paid.

Common Carrier Benefit

 If you suffer an AD&D loss in an accident while riding as a passenger in a common carrier (a
commercial airline flight, for example), an additional benefit is paid.

Note: See the policy for details and specific requirements for each of these benefits.

Additional Plan Services

LifeKeys® Services Included

TravelConnect Services Included
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LifeKeys® Services
 This assistance program provides you, your family, and your beneficiary/beneficiaries access to a wide
range of support services.
 Program services for you and your family include:

— EstateGuidance® online will preparation and execution
— GuidanceResources® online resources for legal, financial, personal, health, and workplace issues
— Identity theft resources

 For up to one year following a AD&D insurance claim, you and/or your beneficiary/beneficiaries can
receive:

— Grief counseling, including up to six in-person sessions, plus unlimited phone calls with a grief
counselor
— Financial services, including unlimited phone calls with a certified financial specialist, plus extensive
online tools and resources
— Legal support, including unlimited phone calls with an attorney, plus a free in-person consultation
with an attorney in your area (subsequent legal fees at a reduced fee)

AD&D Insurance Summary of Benefits
LFE-ENRO-BRC001-TX