1. The Texas A&M University System 1 You matter. Plan accordingly. Group Life Insurance Minnesota Life Insurance Company, a Securian Company

2. Group term life insurance Basic Life Coverage TypeCoverage Options Basic Life & Basic AD&D If you are enrolled in A&M System health plan, you are automatically covered for Basic Life If you have no health coverage through the A&M system or outside the A&M system you can enroll and pay for Basic Life Life – $7,500 AD&D – 5,000 Dependent Life – $5,000 for each eligible child Alternative Basic Life (ABL) & Basic AD&D If you have health coverage outside the A&M system health plan you can enroll in ABL $50,000, or 7 times annual salary if less AD&D - $5,000 $5,000 for each eligible child

3. Group term life insurance Optional Life Coverage TypeCoverage Options Optional Life Not available to employees enrolled in ABL ½, 1, 2, 3, 4, 5 or 6 times your annualized salary (salary divided by the number of months you work, multiplied by 12, and rounded to the next lower $1,000). Max coverage = $1,000,000 Any changes will require EOI

4. Group term life insurance Dependent Life Coverage Options Option A – Only Current Optional Life Participants Enrolled Spouse - $25,000, $50,000, $75,000, $100,000, $150,000 or $200,000 Enrolled Children - $10,000 Option B – Any Current Basic Life Participants Enrolled Spouses and Children - $5,000 Term Life and $5,000 AD&D Option C – Only Current ABL Participants Enrolled Spouse – 50% of employee’s ABL coverage Enrolled Children – 10% of employee’s ABL coverage

5. Additional Information Applies to Options A, B and C Spouse Coverage cannot exceed 100% of employee’s Optional Life Any annual enrollment changes requires EOI Spouse GI - $50,000 if elected at initial eligibility Children Any annual enrollment changes are guaranteed w/o health questions A child may only be covered by one parent Eligible child is unmarried from live birth to 25 Group term life insurance Dependent Life cont.

6. Group term life insurance Optional AD&D Coverage TypeCoverage Options Optional Accidental Death & Dismemberment (AD&D) Employee Plan Employees whose annual salary is less than $25,000 may elect up to $250,000, in $10,000 increments Employees whose annual salary is $25,000 or greater may elect 1 – 10x annual salary to maximum of $800,000, in $10,000 increments Family Plan Spouse (w/children) 50% of employee’s election Spouse (no children) 60% of employee’s election Each child (w/spouse) 10% of employee’s election Each child (no spouse) 15% of employee’s election

7. What happens to your coverage when you retire? Basic Life/Alternative Basic Life - coverage stays the same, premium is paid in the same way, coverage does not reduce Optional Life and Dependent Life - –Maximum coverage reduces at retirement Under 70 - $100,000 Age 70 - $60,000 Age 80 - $30,000 –Spouse coverage reduces with retiree’s changes –Child coverage remains at $10,000 –Rates are on the same table as actives pay –Retirees may apply for coverage with EOI –You may port (if under 70) or convert any coverage being lost due to retirement reductions. More info on portability and conversion to come. Premiums may be higher than those paid by active employees. Optional AD&D – –Maximum coverage reduces at retirement, and at age 70 –Retirees may apply for coverage –Rates are higher than active employee rates

8. EOI – Medical underwriting Elections/increases to employee /spouse coverage will require EOI To assist in the underwriting process, Minnesota Life may: –call to gather additional information –information or records from your doctor –paramedical exam Underwritten coverage effective the later of 9/1 or upon approval

9. Portability / Conversion No EOI required Port coverage if eligible –Costs more than active coverage Convert coverage that is not portable (Basic) to an individual policy Convert ported coverage at age 70 –Costs more than active and ported coverage Make election within 31 days of active coverage termination

10. LifeSuite Services

11. Lifesuite services Access additional services at no additional premium Offered in conjunction with your basic insurance Available to your insurance-eligible dependents Dependents do not have to be insured Responsibility of the service provider May be discontinued at any time

12. Travel Assistance Offered through Global Rescue 24-hour emergency travel service Travel for business or pleasure Dependents traveling without employee 100 miles or more away from home Locate physician, dentist, western-medicine facilities, etc. Secure language interpreter, the return of mortal remains, etc.

13. Legal Services Offered through Ceridian Online library of legal resources Develop simple wills, trusts, power-of- attorney National network of 22,000 attorneys 30-minute consultation 25% discount for charged services

14. Legacy Planning Resources Visit www.legacyplanningresources.com to find the information and resources you need: Legacy planning Final arrangements Easy access to resources

15. Beneficiary Financial Counseling Offered through PricewaterhouseCoopers LLP Invitation included in claim check Complimentary financial counseling No sales to your beneficiary

16. Questions? What questions can I answer?

17. Services provided by Ceridian LifeWorks, PricewaterhouseCoopers LLP and Global Rescue are their sole responsibility. The services are not affiliated with Minnesota Life or their group contracts and may be discontinued at any time. Certain terms, limitations, and restrictions may apply when using the services. This is a summary of plan provisions related to the insurance policy issued by Minnesota Life to Texas A&M.. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations and terms of coverage. This product is offered under policy form series MHC-96-13180.42 and 02-30428-42. Minnesota Life Insurance Company A Securian Company Group Insurance www.LifeBenefits.com 400 Robert Street North, St. Paul, MN 55101-2098 ©2013 Securian Financial Group, Inc. All rights reserved. 5-2014 A02630-0514