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lIfe and ad&d / voluntary benefIts

Cigna BaSiC lifE anD aD&D
United Pacific provides employees Basic Life and AD&D insurance at 1x your annual salary, to a maximum benefit of
$100,000. This coverage would be paid out to your beneficiary(ies) in the event of your death or accidental death
and dismemberment.
Cigna voluntary lifE anD aD&D
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life
and AD&D insurance at discounted group rates provided by Cigna. If elected, you pay for this coverage with after-
tax dollars through payroll deductions.
Employee
You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $750,000.
Spouse/Domestic Partner
If you buy coverage for yourself, you may also purchase coverage for your eligible spouse/domestic partner. Benefits
for your spouse are available in increments of $25,000 to a maximum benefit of $150,000 and may not exceed
50% of your employee election.

Child(ren)
If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits
for your child(ren) are available in the following amounts:
• 14 Day to 6 months of age: Flat $500
• 6 months to 26 years of age: Flat $5,000 or $10,000
Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and
is available to you during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts:
• Employee = The lesser of 3x your annual salary or $300,000
• Spouse/Domestic Partner = $25,000
• Child(ren) = All guarantee issue

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime
during the year as long as you provide proof of good health. To provide proof of good health, you will be asked
to complete a health questionnaire and are subject to insurance carrier approval. Cigna may approve or decline
coverage based on a review of your health history.

ratE PEr Month ratE PEr Month
VolunTaRY lIfe RaTe PeR $1,000 VolunTaRY lIfe RaTe PeR $1,000
Age eMPloYee/sPouse* Age eMPloYee/sPouse*
<35 $0.082 60-64 $0.853
35-39 $0.101 65-69 $1.447
40-44 $0.145 70-74 $2.745
45-49 $0.218 75-79 $5.184
50-54 $0.346 Age all cHIlDRen
55-59 $0.557 0-26 $0.245
*Spouse life terminates at the age of 70.

VolunTaRY aD&D
Employee/Spouse/Child(ren) $0.030

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