1. Williamson County Government & Board of Education Group Critical Illness

2. You can win the battle against a critical illness, but can you handle the added costs? A group critical illness plan helps prepare you for the added costs of battling a specific critical illness. The good news is that many people with a critical illness survive these threatening battles. Unfortunately, as the recovery process begins, people become aware of the medical bills that have piled up.

3. Group Critical Illness insurance can help alleviate the financial worries associated with a critical illness.

4. First Occurrence Benefit: After the waiting period (30 days), a lump sum benefit is payable upon initial diagnosis of a covered critical illness. Employees may select either a $10,000 or $20,000 lump sum benefit. If diagnosis is after age 70, half of the benefit is payable If diagnosis is after age 70, half of the benefit is payable

5. Covered Critical Illness Cancer (internal or invasive) Pays 100%* Cancer (internal or invasive) Pays 100%* Heart Attack (myocardial infarction) Pays 100%* Heart Attack (myocardial infarction) Pays 100%* Stroke (apoplexy or cerebral vascular accident) Pays 100%* Stroke (apoplexy or cerebral vascular accident) Pays 100%* Major Organ Transplant Pays 100%* Major Organ Transplant Pays 100%* Renal Failure (End Stage) Pays 100%* Renal Failure (End Stage) Pays 100%* Carcinoma In Situ Pays 25%* Carcinoma In Situ Pays 25%* Coronary Artery ByPass Surgery Pays 25%* Coronary Artery ByPass Surgery Pays 25%* *of the lump sum selected

6. Additional Occurrence Benefit: If an insured collects full benefits for a critical illness under the plan and later has one of the remaining covered critical illnesses, then we will pay the full benefit amount for each additional illness. Occurrences must be separated by at least six months.

7. Re-Occurrence Benefit If an insured collects full benefits for a covered condition and is later diagnosed with the same condition, the benefits will be paid in full again. The two dates must be separated by at least 12 months, or for cancer, 12 months treatment free. Cancer that has spread (metastasized) even though there is a new tumor, will not be considered an additional occurrence.

8. $50 Health Screening Benefit One covered screening per calendar year Mammography Mammography Colonoscopy Colonoscopy Pap Smear Pap Smear Breast Ultrasound Breast Ultrasound Chest X-ray Chest X-ray PSA PSA Stress test Stress test Bone Marrow Testing Bone Marrow Testing CA 15-3 CA 15-3 CA 125 CA 125 CEA CEA Flexible sigmoidoscopy Flexible sigmoidoscopy Hemocult stool analysis Hemocult stool analysis Serum protein electrophoresis Serum protein electrophoresis Thermography Thermography Fasting blood glucose test Fasting blood glucose test Blood test for triglycerides Blood test for triglycerides Serum cholesterol test to determine level of HDL Serum cholesterol test to determine level of HDL & LDL & LDL

9. Additional Critical Illness Rider Your plan includes the 100% additional critical illness rider. This rider also pays a benefit* for: ParalysisParalysis ComaComa Loss of SightLoss of Sight Severe BurnsSevere Burns Loss of SpeechLoss of Speech Loss of HearingLoss of Hearing *Benefit payable is equal to lump sum amount selected

10. Child Coverage - no additional cost Child Coverage - no additional cost Each dependent child is covered at 25 percent of the primary insured amount at no additional charge Spouse Coverage available in $5,000 or $10,000 benefit amounts

11. Pre-Existing Condition Limitation A sickness or physical condition which, within the 12-month period prior to the Effective Date (January 1), resulted in the insured receiving medical advice or treatment. Benefits will not be paid for any critical illness starting within 12 months of the effective date which is caused by, contributed to, or resulting from a Pre-existing Condition.

12. Portable Coverage Employee may elect to continue coverage after termination of employment. Employee may continue the coverage until the earlier of: a) Employee fails to pay premium b) Date the group master policy terminates

13. In Summary, Critical Illness … Pays lump sum benefit directly to insured Pays lump sum benefit directly to insured 25% child benefit at no additional cost 25% child benefit at no additional cost Additional Occurrence & Re-occurrence benefits Additional Occurrence & Re-occurrence benefits $50 Annual Health Screening Benefit $50 Annual Health Screening Benefit Guarantee Issue – for employee & spouse Guarantee Issue – for employee & spouse Simplified Underwriting - three qualifying questions Simplified Underwriting - three qualifying questions Same Day Coverage – effective date of application Same Day Coverage – effective date of application Portable Coverage Portable Coverage

14. Your recovery doesn’t have to be spoiled by medical bills. With this plan, our goal is to help you & your family cope with and recover from the financial stress of surviving a critical illness. Contact The Drury Group for more details: Charles: (615) 628-3382 Roxanne: (615) 628-3377