1. Life Insurances Minnesota Life

2. February 2010 2 APRIL 2010 Questions to Consider  How many people depend on you for support?  Do you have a mortgage to pay off?  Do you have other debts to pay (e.g. car payment, bank loan, or credit cards)?  How much will you pay for your children’s education?  Are your current assets adequate to cover these expenses?

3. February 2010 3 APRIL 2010 Employee Group Term Life Coverage Available  1x, Benefit Salary (capped at $300,000)  2x,3x,4x,5x,6x,7x, 8x, or 9x Benefit Salary- max $500,000  Enhanced Accelerated Death Benefit – lump sum up to 100% of life insurance if given 12 months or less to live  Total Disability - Waiver of Premium  Total Disability - One Year Continuance Premiums - Pre-tax  Based on Selected Coverage, Benefit Salary & Benefit Age  Imputed Income - Coverage over $50,000

4. February 2010 4 APRIL 2010 Employee Group Term Life  Coverage will be based on Benefit Salary  Amount is rounded up to the next higher $1,000  Age 65 or older, the value of the coverage is reduced 

5. February 2010 5 APRIL 2010 Spouse Life Option Coverage Amounts - $ 6,000- $60,000 - $200,000 - $12,000- $100,000 - $250,000 - $30,000- $150,000  Coverage cannot exceed value of Employee Life Coverage  Subject to Age Discrimination in Employee Act/Age Reduction (ADEA)  Rate Structure Based on Employee’s Age  Must have Employee Life in order to select Spouse Life

6. February 2010 6 APRIL 2010 Child Life Option Coverage Amounts - $ 3,000- $15,000 - $ 6,000- $20,000 - $10,000  Coverage cannot exceed value of Employee Life Coverage  Coverage can begin at live birth. There shall be automatic coverage of $3,000 for a newborn child if the child dies within 30 days of birth, but prior to you enrolling in child life coverage.

7. February 2010 7 APRIL 2010 Medical Underwriting New Employees Enrolling For the First Time EMPLOYEE LIFE Life Medical Underwriting Requirements Enrolling in 1 times pay (capped at $300,000) NONE Enrolling in 2, 3, 4, 5, 6, 7, 8, or 9 times payCoverage over $200,000 Minnesota Life Evidence of Insurability online form and Amplified Blood Test required SPOUSE LIFELife Medical Underwriting Requirements Enrolling in coverage $30,000 or less NONE Enrolling in coverage over $30,000 Minnesota Life Evidence of Insurability online form required. Amplified Blood Test required for coverage $150,000 or greater CHILD LIFELife Medical Underwriting Requirements Enrolling for the first time in any levelNONE

8. February 2010 8 APRIL 2010 Medical Underwriting Current Employees  Current employees may change coverage levels due to a Qualifying Event Increases in coverage levels will require Medical Underwriting  Employees selecting coverage, requiring Medical Underwriting, will receive the “Guaranteed” level of coverage initially  Employees, whose “Requested” level of coverage is approved: Coverage and Premium will change the first of the month after the date of vendor’s approval Reduces the need for refund of premiums