Group Universal Life Rate TablesFor Bechtel Employees

4

Cost of Insurance Per $1,000 Coverage UnitRates are based on the age of the insured adult. Your cost of insurance is ad just ed on the May 1 program an ni ver sa ry to re flect your age as of that date. The rates below are guaranteed through April 30, 2019.

Cash Fund Contributions Per $1,000 Coverage UnitThe maximum amount you can contribute to your optional cash fund is determined by your age and the number of $1,000 coverage units you select.

Life Insurance Planning Guide

Life Insurance Worksheet..............................page 2Estimate the amount of money your dependents would need to live without your income.

Payroll Deduction Worksheet .......................page 3Determine exactly what your payroll deductions will be for Group Universal Life coverage.

Rate and Contribution Tables .......................page 4Refer to these tables when completing the payroll deduction worksheet on page 3.

Maximum Monthly Cash Contributions

Maximum Allowable Age When Cash Contribution Coverage Limit Per $1,000 Is Issued* Coverage Unit

17 $0.353 18 0.377 19 0.401 20 0.426 21 0.452 22 0.479 23 0.508 24 0.537 25 0.568 26 0.600 27 0.634 28 0.669 29 0.705 30 0.743 31 0.783 32 0.825 33 0.869 34 0.914 35 0.962 36 1.012 37 1.063 38 1.117 39 1.173 40 1.232 41 1.293 42 1.356 43 1.421 44 1.489 45 1.561 46 1.636 47 1.714 48 1.795 49 1.880 50 1.968 51 2.006 52 2.157 53 2.257 54 2.363 55 2.475 56 2.590 57 2.710 58 2.838 59 3.434 60 4.461 61 4.571 62 4.672 63 4.754 64 4.826 65 4.891 66 4.958 67 5.010 68 5.042 69 5.082

Interest is declared annually by MetLife and credited to cash contributions monthly from date of receipt by Mercer Voluntary Benefits.

Rates for Adults

Monthly Cost of Insurance Per $1,000 Coverage Unit

Without Accidental Death & Dismemberment Age* Non-Smoker Smoker Age* Non-Smoker Smoker

$0.02 per $1,000 for Accidental Death and DismembermentAccidental Death and Dismemberment cancels on the May 1 following the insured’s 70th birthday.* Use age as of prior May 1.

Rate to insure all eligible children: $1.00 monthly

82200 I21289 (1/18) Copyright 2018 Mercer LLC. All rights reserved.

Group Universal Life

< 30 $0.04 $0.06 62 $0.49 $0.6330 $0.04 $0.07 63 $0.53 $0.7631 $0.04 $0.07 64 $0.57 $0.9132 $0.04 $0.07 65 $0.83 $1.0933 $0.04 $0.07 66 $1.02 $1.1934 $0.05 $0.07 67 $1.06 $1.3335 $0.05 $0.08 68 $1.08 $1.5336 $0.05 $0.08 69 $1.09 $1.7437 $0.05 $0.08 70 $1.53 $1.9538 $0.06 $0.09 71 $1.69 $2.1539 $0.06 $0.09 72 $1.85 $2.3740 $0.06 $0.09 73 $2.09 $2.6641 $0.07 $0.09 74 $2.31 $2.9642 $0.07 $0.09 75 $2.55 $3.2643 $0.08 $0.11 76 $2.77 $3.5444 $0.08 $0.12 77 $3.00 $3.8345 $0.10 $0.15 78 $3.33 $4.2646 $0.11 $0.16 79 $3.65 $4.6747 $0.12 $0.16 80 $3.97 $5.1048 $0.13 $0.19 81 $4.31 $5.5149 $0.13 $0.20 82 $4.63 $5.9350 $0.16 $0.22 83 $5.11 $6.5351 $0.18 $0.25 84 $5.58 $7.1452 $0.20 $0.27 85 $6.04 $7.7453 $0.20 $0.31 86 $6.53 $8.3454 $0.20 $0.36 87 $6.99 $8.9555 $0.28 $0.38 88 $7.64 $9.7756 $0.32 $0.42 89 $8.28 $10.5957 $0.35 $0.47 90 $8.91 $11.4058 $0.36 $0.51 91 $9.55 $12.2359 $0.37 $0.54 92 $10.21 $13.0460 $0.47 $0.57 93 $10.83 $13.8661 $0.48 $0.60 94 $11.48 $14.68

The following guide may help you determine the approximate amount of life insurance benefits your dependents may need to maintain their current standard of living without your income.

Annual Expenses Example

Estimate your total monthly expenses. Include mortgage* or rent, home and car maintenance, childcare, clothing, food, medical expenses, loan payments, insurance, taxes, and utilities. Multiply this amount by 12 to find your Annual Expenses.

Ongoing Expenses

Enter your Annual Expenses from above. Multiply this amount by the number of years these expenses would need to be paid by your survivors. These are your Ongoing Expenses.

Future Expenses Estimate one-time future expenses, including funeral costs, medical charges, estate taxes, and estate settlement fees. Also include emergency funds and college expenses for your children. If you want your family to be debt-free, include the balance of your mortgage* and any other loans. Add these together to find your Future Expenses.

Life Insurance Coverage Needed Add your Ongoing Expenses and Future Expenses from above to find your Total Survivor Expenses.

Combine existing assets that may be used to lower your family’s debt or help support them. Be sure to include other life insurance coverage, savings, and any other liquid assets to find your Total Assets. Next subtract Total Assets from Total Survivor Expenses to find the approximate amount of life insurance coverage you may need to provide for your survivors.

Note: This worksheet does not assume interest earned on the unused portion of the death benefit, inflation rates, or taxes payable on interest earned. This worksheet is only a guide. You may wish to consult your financial advisor regarding the appropriate amount of life insurance needed.

*You may include your mortgage payment in part 1, or include the total amount required to pay off the balance in part 3. Include in one or the other, but not both.

Choose Employee CoverageMultiply 1, 2, 3, 4, 5, 6, 7, or 8 times annual salary and round up to the next higher $1,000 increment (if the multiple of annual salary is not evenly divisible by $1,000)—not to exceed $2,000,000.

Example: Employee, age 30*, nonsmoker, without accidental death & dismemberment benefit

$ X = $ Round up = $ ÷ $1,000 = X $ = $ Annual salary Multiple if not Coverage amount Coverage See rate tables Monthly cost of of annual divisible units insurance salary by $1,000 $ X = $ Round up = $ ÷ $1,000 = X $ = $ Annual salary Multiple if not Coverage amount Coverage See rate tables Monthly cost of of annual divisible units insurance salary by $1,000

Select Spouse/Domestic Partner CoverageChoose life insurance coverage in $10,000 units up to 3 times employee’s annual salary—not to exceed $200,000.

Example: Spouse/domestic partner, age 28*, nonsmoker, without accidental death and dismemberment benefit.

$ ÷ $1,000 = X $ = $ Coverage amount Coverage See rate tables Monthly cost of units insurance

$ ÷ $1,000 = X $ = $ Coverage amount Coverage See rate tables Monthly cost of units insurance

Include $10,000 Children’s Coverage Example: Three children $ ___________

To insure all eligible children for $10,000 per child, add a total of $1.00 monthly. Rate covers all eligible children, regardless of number. $ ___________

2

Life Insurance Worksheet

Calculate Cash ContributionExample:Employee age 30* $ ____________ X ____________ units = $ ____________

Please note that any contribution amount up to the maximum allowable may be contributed.

Employee $ ____________ X ____________ units = $ ____________ See monthly Multiply by Monthly contribution the number of contribution table $1,000 coverage units selected in Section 1.

Spouse/Domestic $ ____________ X ____________ units = $ ____________Partner See monthly Multiply by Monthly contribution the number of contribution table $1,000 coverage units selected in Section 2.

Figure Payroll Deduction

Employee cost of insurance .................................................... $

Spouse/Domestic Partner cost of insurance ......................... $

Children cost of insurance ...................................................... $

Employee cash contributions ................................................ $

Spouse/Domestic Partner cash contributions ...................... $

Total monthly payroll deduction ............................................. $

* Use age as of the prior May 1.

1.00

50,000 50 .04 2.00

0.733 218 159.79

Payroll Deduction Worksheet

3

Note: This worksheet is designed to calculate deductions for monthly payroll.

Monthly Expenses $ ____________ $ ___________

Months x ____________ x ___________

Annual Expenses = $ ____________ = $ ___________

Annual Expenses $ ____________ $ ___________

Survivor Years x ____________ x ___________

Ongoing Expenses = $ ____________ = $ ___________

Funeral/etc. $ ____________ $ ___________

Emergencies $ ____________ $ ___________

Education $ ____________ $ ___________

Mortgage* $ ____________ $ ___________

Other $ ____________ $ ___________

Future Expenses = $ ____________ = $ ___________

Ongoing Expenses $ ____________ $ ___________

Future Expenses $ ____________ $ ___________

Total Survivor Expenses = $ ____________ = $ ___________

Other Life Insurance $ ____________ $ ___________

Savings $ ____________ $ ___________

Misc. Assets $ ____________ $ ___________

Total Assets = $ ____________ = $ ___________

Total Survivor Expenses $ ___________ $ ___________

Total Assets $ ___________ $ ___________

Total Coverage Amount = $ ___________ = $ ___________

2,000

24,000

24,00010

240,000

5,0005,000

20,0000

30,00060,000

240,00060,000

300,000

130,00020,00010,000

160,000

300,000160,000140,000

12 12

1 1

2

3

2

3

4

4 5

72,500 3 217,500 218,000 218 .04 8.72