1. Life and Long Term Disability Insurance Plan Overview

2. What Are My Life & LTD Benefits? SAI provides all regular, full-time employees, one times their base annual salary in term life and ADD insurance. Regular full-time employees can purchase additional life insurance for self, spouse and dependent children. Employees can purchase five (5) times their annual salary up to $350,000. Employees can purchase up to $50,000 for spousal coverage. Employees can purchase $10,000 in coverage for each child. SAI provides all regular full time employees a Long Term Disability benefit equal to 60% of monthly salary.

3. What are the Voluntary Life Premiums? Age Range Cost per Thousand per month Less than 24$0.08 25 - 29$0.07 30 - 34$0.09 35 - 39$0.11 40 - 44$0.14 45 - 49$0.23 50 - 54$0.36 55 - 59$0.61 60 - 64$1.02 65 and above$1.66

4. What are the Voluntary AD&D Premiums? Age Range Cost per Thousand per month Less than 24$0.11 25 - 29$0.10 30 - 34$0.12 35 - 39$0.14 40 - 44$0.17 45 - 49$0.26 50 - 54$0.39 55 - 59$0.64 60 - 64$1.05 65 and above$1.69