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TAX SAVINGS BENEFITS OTHER BENEFITS

Critical Illness

Guardian’s Critical Illness Plan will provide a lump sum benefit payment upon the first and second diagnosis of
any qualified critical illnesses. Covered conditions include cancer, heart attack, stroke, heart failure, coronary
arteriosclerosis, organ failure and kidney failure. Covered conditions for children include cerebral palsy, cleft
lip/palate, club foot, cystic fibrosis, Down’s syndrome, muscular dystrophy, spina bifida, and type 1 diabetes.
Benefits are paid directly to you, and funds can be used at your discretion to cover expenses such as childcare,
transportation, and to fill in gaps in your medical plan, like copays and deductibles. Benefits are paid even if
medical insurance is paying 100% of the cost. An additional wellness benefit pays when you complete health
screenings such as mammography, colonoscopy, pap smear, PSA, serum cholesterol testing, etc. Please note,
you must be enrolled in a major medical plan for yourself and your covered dependents to elect this plan. Age
restrictions apply.

Plan options are available so you can select the level of coverage that is best for you:
• Employee: You may choose a lump sum benefit of $10,000 or $20,000.
• Spouse: You may choose a lump sum benefit of $5,000 or $10,000. Please note, your elected spousal
benefit may not exceed 50% of your employee election.
• Child(ren): The child benefit will be 25% of your employee elected benefit at no additional cost.

Universal Life with Long Term Care (LTC)

Universal LifeEvents, offered through Trustmark, combines two important benefits into one affordable product.
With LifeEvents, your benefits can be paid as a death benefit, living benefits for long term care (LTC), or as a
combination of both. The LTC benefit accelerates up to 4% of the face value of the policy to pay for an assisted
living, long term care facility, adult home, or daycare for up to 25 months. There are other benefits built in such
as accidental death, waiver of premium, restoration of death benefit, and a terminal illness benefit. LifeEvents
pays a higher death benefit during your working years when expenses are high. At age 70, when financial
needs are typically lower, the death benefit reduces to one third the original amount. The LTC benefit does not
reduce, this benefit continues throughout retirement to match the greater need for LTC. Universal LifeEvents
builds cash value that you may borrow from in a time of need. The guaranteed minimum interest rate is 3%.

Coverage amounts are available from $5,000 to $300,000. Guarantee issue is available for employees under the
age of 64 up to $75,000. Spouse and children applying will be eligible for modified guarantee issue. Employees
ages 65-75, children through age 23, and grandchildren through age 19 will be offered a standard Universal Life
plan that does not have the death benefit reduction at age 70.

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