Accidental Death and Dismemberment

February APRIL 2010  1x,2x,3x,4x,5x,6x,7x, 8x or 9x Benefit Salary  Maximum $500,000 (If you are 75 or older, the value of your coverage is reduced)  Covers the employee only  Covered Accident Benefits  Dismemberment  Permanent Total Disability  No Medical Underwriting required AD&D INSURANCE

February APRIL 2010 % of Eligible Coverage ACCIDENTAL DEATH & DISMEMBERMENT PERMANENT TOTAL DISABILITY LESS THAN 75100% 75 BUT LESS THAN 80 50%20% 80 OR MORE25%10% *Age as of Benefit Calculation Date

February APRIL 2010  If accidental bodily injury occurs in any one of the specific losses within one year from the date of a covered accident, Minnesota Life will pay the benefit specified  Only one benefit will be paid for more than one loss resulting from any one covered accident Loss of Life, Limb, Sight, Speech or Hearing

February APRIL 2010 Dismemberment chart LOSS OF LIFECOVERAGE AMOUNT LOSS OF TWO OR MORE MEMBERS COVERAGE AMOUNT LOSS OF SPEECH AND HEARINGCOVERAGE AMOUNT LOSS OF ONE MEMBER½ THE COVERAGE AMOUNT LOSS OF SPEECH OR HEARING½ THE COVERAGE AMOUNT LOSS OF THUMB & INDEX FINGER ON THE SAME HAND ¼ THE COVERAGE AMOUNT

February APRIL 2010 Definitions  “Member” means hand, foot, or eye  “Loss” means with regard to:  Hand or foot, actual severance through or above the wrist or ankle joint, without reattachment  Eye, entire or irrevocable loss of sight  Speech, entire and irrevocable loss of function  Hearing, entire and irrevocable loss of function  Thumb & index finger, actual severance through or above the metacarpophalangeal joint, without reattachment

February APRIL 2010 Permanent Total Disability  “Total Disability” means a person is unable, due to accidental bodily injury, to perform all of the material duties of your occupation for twelve continuous months  After twelve months, the total disability is means the same as “Permanent Total Disability”

February APRIL 2010 Permanent Total Disability  If approved as Permanently or Totally Disabled, the employee will be paid monthly 1% of the Coverage Amount  Eligibility requirements:  Became totally disabled within 180 of the covered accident  Total Disability continued for 12 months after onset  Medical authorization after the 12 months that the disability is continuous, permanent, and presumably lasting for life

February APRIL 2010 Exclusion Examples  Caused by or resulting from war or an act of war (declared or undeclared)  Caused by intentionally self-inflicted injuries  Caused by suicide  Committing or attempting to commit a felony  Caused by motor vehicle accident where you are the operator and meet or exceed the specific state’s level of intoxication