1. 0611ESD0207 2012 Supplemental Life Insurance Benefit Program for Employees of the State of New Mexico and participating Local Public Bodies

2. What is Supplemental Life Insurance? It does not replace but compliments your existing life coverage provided through your employer Supplemental Life insurance can be paid for through the convenience of employee payroll deduction When you leave or retire from your employment with the State of New Mexico, you may be eligible to convert; premiums will be based on age at the time of separation of service. Globe Life’s Supplemental life coverage is portable — it goes with you.

3. Why Should I Purchase Globe Life’s Supplemental Life Coverage Now? It is a good idea to purchase supplemental Life coverage and secure level premiums now while you are younger and healthier. If you wait until your existing coverage terminates, you will need to apply for new coverage later on. Rates at that time could make life insurance prohibitive because of your age, or your health.

4. Ordinary Life (Whole Life Insurance) Paid Up at Age 65 Coverage for Employee & Family Guaranteed Issue Face Amounts* Premiums Remain Level, then Stop at Age 65 when coverage is fully paid up — no rate increases ever Graded Benefit available** Employee (up to Age 55):$75,000 Spouse (up to Age 55):$25,000 Children (up to Age 23):$7,000 * For those still actively employed subject to certain limitations. Not available to individuals who are HIV positive or terminally ill. If applicant has certain pre-existing medical conditions, policy will be issued with graded benefits. Excess amounts over the Guaranteed Face Amount subject to regular underwriting. ** Graded Benefit: initial policy benefit is 25%; second year 50%; third year 75%; fourth year and thereafter 100%

5. Ordinary Life (Whole Life Insurance) Paid Up for Life Coverage for Employee & Family Guaranteed Issue Face Amounts* Premiums Remain Level for life — no rate increases ever Graded Benefit available** * For those still actively employed subject to certain limitations. Not available to individuals who are HIV positive or terminally ill. If applicant has certain pre-existing medical conditions, policy will be issued with graded benefits. Excess amounts over the Guaranteed Face Amount subject to regular underwriting. ** Graded Benefit: initial policy benefit is 25%; second year 50%; third year 75%; fourth year and thereafter 100% Employee (up to Age 56-76):$30,000 Spouse (up to Age 56-76):$10,000

6. Available Riders Terminal Illness Accelerated Benefit Rider - Upon proof of terminal illness, insured will receive 50% of the current benefit available prior to death, subject to provisions of the rider. – Issue ages 30 days - 55 on policies paid up at age 65 – Issue ages 56 - 76 on policies paid up for life – No additional charge for this benefit Waiver of Premium Disability Rider - Upon proof of insured’s total disability as defined by this reader, the company will waive any premiums due. – Issue ages 15 - 55 – No additional charge for this benefit

7. Available Riders Accidental Death Benefit Rider - Pays up to $32,000 for accidental death, subject to policy provisions. This benefit pays in addition to other sums collected under the policy. Policy terminates at age 65 (employee and spouse standard coverage only). – Issue ages 18 - 55 – Cost: $1.00 biweekly for $16,000 of Accidental Death coverage $2.00 biweekly for $32,000 of Accidental Death coverage Children’s Term to 25 Rider - Upon proof of the insured child’s death, policy will pay beneficiary up to $10,000 per insured child, subject to policy provisions. – Issue ages 30 days - 23 years – Cost: $4.00 biweekly

8. About Globe Life A company you can trust Providing quality supplemental insurance products to state and federal government employees since 1972. Rated A+ (Superior) by A.M. Best Company (insurance industry analysts) for overall financial strength (as of 6/11). We are here for you For questions regarding your policy, your benefits, premiums or claims call customer service toll-free 1-866-298-9115 weekdays between 7:30 am and 4:30 pm Central Time.