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<br />STUDARD Dl'suaurCB COIIPAHY <br />LtPB AND AD5D IH8URAHcB <br />PLAN A <br /> <br />SCBBDULB 0.. XH81JRAHCB <br /> <br />Class: All Bligible <br /> <br />Life Amount <br />$25,000 <br /> <br />AD&O Amount <br /> <br />$25,000 <br /> <br />COST <br /> No. of Benefit Rate Monthly <br /> Lives Volume X Der SlOOO - Premium <br />LIFE 53 $J.,292,500 $.26 $336 <br />AD&:!> 53 $1,292,500 $.04 $52 <br /> TOTAL $388 <br />PLAN PBATtJRJlS <br /> <br />* <br />* <br />* <br /> <br />All benefits are Guarantee Issue. <br />Plan reflects 100% Employer contribution. <br />Proposal assumes all known health risks have been disclosed <br />to Standard's field personnel. <br />Waiver Of Premium if disabled prior to age 60: will <br />terminate at age 65. <br />No benefit termination due to age. <br />Benefits reduce to 65% at age 65, to 50% at age 70, to 35% <br />at age 75. <br />Rates reflect combined purchase of Basic and Additional <br />Life. <br />An Accelerated Benefit, which allows up to 7S% of a Member's <br />Life Insurance benefit to be paid while still living, is <br />available to Members with a Qualifying Medical Condition, <br />Certain minimums and maximums apply, subject to state <br />statute. Waiver of Premium must be included for this <br />provision to be available, <br />Notice of Rate Change is 60 days. <br />Final rates will be guaranteed until 8-1-2001. <br />J. DiPietro and Lynn Dannheiser are eligible for basic and <br />additional benefits in the amount of $50,000. <br />AD&D includes an additional Seat Belt Benefit equal to the <br />lesser of $10,000 and the amount of AD&D payable for loss <br />of life. <br />AD&D provides coverage for private flying. <br /> <br />* <br /> <br />* <br />* <br /> <br />* <br /> <br />* <br /> <br />* <br />* <br />* <br /> <br />* <br /> <br />* <br /> <br />582028-1-981202 <br />