National Association of Workplace Programs Individuals receive benefits and discounts that are designed to provide confidence as they plan for the future. Membership provides access to compliant medical benefits and other voluntary supplemental for $3.00 per month. Each month participants will pay monthly dues to continue benefit elections. If you have question on the member services, contact your Enrollment First representative or broker today.

$3.00 NAWP MEMBERSHIP BENEFITS

• $5,000 Life Insurance• 24-Hour Nurse Line• Discounts on Diabetic Supplies

• Identity Theft Protection• Discounts on Prescriptions

4 step enrollment process:

Welcome to Enrollment First, Inc.a simpler way for health coverage

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

1

2

3

4Hospital Indemnity Options

Choose your Daily Care Options Additional Health Options

Life Coverage OptionsHospital Indemnity provides the hospital-ization benefits not covered by the daily care plans. This coverage is guaranteed acceptance and the coverage amount listed is what is paid direct to you or the provider for those services.

Daily care platform for routine screenings and doctor office visits that fit your needs and budget.

• ACA Compliant

Pick and choose additional coverage that compliments you medical coverage.

• Dental & Vision• Accident

• Critical Illness• Cancer

Financial planning is important. We have guaranteed acceptance policies for a 10 year term and permanent coverage of $50,000. Coverage available up to $500,000.

Daily Care Options1

SelectMed

Monthly Rates

Individual $75.75 $102.25 $194.80

Individual + Spouse $130.10 $168.17 $328.65

Individual + Child $120.40 $161.55 $337.02

Family $173.75 $221.25 $491.98

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

SelectMed Base SelectMed Pro SelectMed Max

Evidence of insurability Guaranteed Acceptance Guaranteed Acceptance Guaranteed Acceptance

PPO Network First Health®

Deductible In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

Individual n/a n/a $2,000

Family n/a n/a $4,000

Out-of-Pocket Maximum In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

Individual n/a $7,350 $7,350

Family n/a $14,700 $14,700

SelectMedMedical Services

In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

In-Network Provider (No Out of Network Coverage)

MedCall Now Included (No Copay) Included (No Copay) Included (No Copay)

Preventative & Wellness* 100% Covered in Network-No copay and No deductibles

Primary Care Visit to Treat Injury or Illness1

Not Covered

$25.00 CopayMax 5 Visits Per Calendar Year

$25.00 Copay per visit

Specialist Visit1 $50.00 Copay per visit

Urgent Care1 $50.00 Copay per visit

Outpatient Diagnostic Test (X-Ray, Blood Work)

$25.00 CopayMax 5 Tests Per Calendar Year $50.00 Copay per test

Prescription Benefit

No Copay for ACA Compliant covered prescription drugs

No Copay for ACA Compliant covered prescription drugs

No Copay for ACA Compliant covered prescription drugs

Not Covered

20% Copay-Generic Only12 Prescriptions Maximum

30 day supply Maximum

Brand/Generic, $10 Formulary Generic / $50 Formulary Brand;

Mail $30 Formulary Generic / $150 Formulary Brand,

$750 Per Member / $1,500 Per Family Annual Maximum 2

Outpatient CT/MRI/Pet Scans

Not Covered

50% Coinsurance per test

Outpatient Services: Mental Health, Behavioral Health or Substance Abuse Services

$50.00 Copay per visit

Rehabilitation Services & Habilitation Services

$50.00 Copay per visitCombined limit for all therapies of

20 visits per plan year

NAWP-1.20.2019.04

Not available in Alaska, Hawaii, Massachusetts, and New Hampshire. Insurance coverage is provided through Providence Insurance Company, LLC. 1SelectMed Pro: Primary Care Visit to Treat Injury or Illness, Specialist Visit, and Urgent Care Visits-combined 5 visit limit per year. 2The prescription provided by DataRx is not available in AZ, CA, CO, CT, KS, ME, MD, MI, MN, MT, NJ, NM, NY, NC, PA, RI, UT, VA, VT, WA, WV. In the states noted, $20 co-pay generic only, 30 day supply max. For additional information, visit: https://www.healthcare.gov/coverage/preventive-care-benefits/ as benefits are subject to change. Or reference the Summary Plan Document for a list of Wellness & Preventative services offered In-Network. First Health is a brand name of First Health Group Corp., an indirect, wholly-owned subsidiary of Aetna Inc.

Preventative and Wellness Services - Covered Benefits

Abdominal aortic aneurysm screening Depression screening Lung cancer screening

Alcohol misuse screening and counseling Diabetes screening Obesity screening and counseling

Aspirin: preventative medication Falls prevention: exercise or physical therapy Osteoporosis screening

Bacteriuria screening Falls prevention: vitamin D supplementation Phenylketonuria screening

Blood pressure screening Folic acid supplementation Preeclampsia screening

BRCA risk assessment and genetic counseling/testing

Gestational diabetes mellitus screening

Rh incompatibility screening: first pregnancy visit

Breast cancer prevention medications Gonorrhea prophylactic medication Rh incompatibility screening: 24-28 weeks' gestation

Breast cancer screening Gonorrhea screening Sexually transmitted infections counseling

Breastfeeding interventions Healthy diet and physical activity coun-seling to prevent cardiovascular disease Skin cancer behavioral counseling

Cervical cancer screening: with cytology (Pap smear) Hemoglobinopathies screening Statin preventive medication

Cervical cancer screening: with combination of cytology and human

papillomavirus (HPV) testingHepatitis B screening Tobacco use counseling and

interventions

Chlamydia screening Hepatitis C virus (HCV) infection screen-ing Tuberculosis screening

Colorectal cancer screening HIV screening Syphilis screening

Contraceptive methods and counseling Hypothyroidism screening Vision screening

Dental cavities prevention: infants and children up to age 5 years Intimate partner violence screening Well-woman visits

*See Schedule of Benefits for Limitations, Intervals and Requirements.

Vaccines

HepB-1 Hib-2 PCV-3 LAIV (intranasal) HPV-1

HepB-2 Hib-3 PCV-4 MCV4-1 HPV-2

HepB-3 Hib-4 MMR-1 MCV4-2 HPV-3

DTaP-1 IPV-1 MMR-2 MPSV4-1 Rotavirus-1

DTaP-2 IPV-2 Vericella-1 MPSV4-2 Rotavirus-1

DTap-3 IPV-3 Vericella-2 Td Rotavirus-2

DTaP-4 IPV-4 HepA-1 Tdap Rotavirus-3

DTaP-5 PCV-1 HepA-2 PPSV-1 Herpes Zoster

Hib-1 PCV-2 Influenza, inactivated PPSV-2

SelectMed

*Above benefits are subject to: Limitations, Intervals and Requirements. See plan Summary of Benefits.

*For additional information, visit: http://healthcare.gov/what-are-my-preventive-care-benefits as benefits are subject to change. Or reference the Summary Plan Document for a list of Wellness & Preventative services offered In-Network.

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919NAWP-10.31.2018.03

Hospital IndemnityOptions2

POLICY BENEFITS OPTION 1 OPTION 2

Daily In-Hospital Indemnity Benefit

Pays each day an insured person is confined to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as the result of a covered accident or sickness.

$30031 days

$50031 days

ADDITIONAL INDEMNITY BENEFITS OPTION 1 OPTION 2

Intensive Care Indemnity Benefit Rider

Pays each day an insured person is confined to an intensive care unit as the result of a covered accident or sickness.

$30010 days

$50010 days

Hospital Confinement Indemnity Benefit Rider

Pays each day an insured person is confined to a hospital (but not an emergency room, outpatient stay or stay in an Observation unit) as the result of a covered accident or sickness lasting a minimum of 24 continuous hours from time of admission.

$5001 day

$1,0001 day

Off-the-Job Accidental Injury Indemnity Benefit Rider

Pays each day an insured person receives treatment for a covered accident. Treatment must be provided by a physician within 96 hours of the accident.

$200/ 1 day per accident/5 days

per calendar year

$300/ 1 day per accident/5 days

per calendar year

Inpatient Miscellaneous Indemnity Benefit Rider

Pays each day an insured person is confined to a hospital as the result of a covered accident or sickness.

$5031 days

$10031 days

Surgical and Anesthesia Indemnity Benefit Rider

Pays each day an insured person undergoes surgery, as follows:

Inpatient surgery $500/1 day $1,000/1 dayOutpatient surgery $250/1 day $500/1 dayOutpatient minor surgery $50/1 day $100/1 dayAnesthesia percentage 20% 20%

NON-INSURANCE DISCOUNT PROGRAMSPPO Network offered by Multiplan Included IncludedEmployee Discount Card offered by New Benefits Ltd. Included Included

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL COVERAGE (MEC) AS DEFINED BY THE FEDERAL AFFORDABLE CARE ACT (ACA).

The Hospital Indemnity Insurance is unavailable to participants in the following states: AK, CO, CT, GU, HI, KS, MA, MD, ME, NH, NJ, NY, OR, PR, SD, UT, VI, VT, and WA. This is a brief summary of Hospital Indemnity Insurance. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details. Issue Age 18 to 65 (Eligible Children under the age of 26).

HOSPITAL INDEMNITY MONTHLY PREMIUMSMEMBER MEMBER + SPOUSE MEMBER + CHILD FAMILY

OPTION 1 $60.37 $113.85 $86.72 $130.50

OPTION 2 $94.85 $190.60 $142.86 $221.09

TRANSChoice® AdvanceGroup Limited Benefit Hospital Indemnity Insurance

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

TransChoiCe advanCe® LimiTed BenefiT hospiTaL indemniTy insuranCe

poLiCy form series CpGhi400 or CCGhi400

Confinement for the same or related condition within 30 days of discharge will be treated as a continuation of the prior confinement. Successive confinements separated by more than 30 days will be treated as a new and separate confinement.

No benefits under this contract will be payable as the result of the following:• suicide or attempted suicide, whether while sane or insane.• intentionally self-inflicted injury.• rest care or rehabilitative care and treatment.

immunization shots and routine examinations such as: physical examinations, mammograms, Pap smears, immunizations, flexible sigmoidoscopy,prostate-specific antigen tests and blood screenings (unless Wellness Indemnity Benefit Rider is included). any pregnancy of a dependent child including confinement rendered to her child after birth.

• routine newborn care (unless Wellness Indemnity Benefit Rider is included). hospital confinement of a newborn child following the child's birth, unless the newborn child is being treated for accidental injury or sickness.

• an insured person's abortion, except for medically necessary abortions performed to save the mother's life. treatment of mental or emotional disorder (unless Inpatient Mental and Nervous Disorder Indemnity Benefit Rider is included).

• treatment of alcoholism or drug addiction (unless Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider is included).• participation in a felony, riot, or insurrection.• any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a narcotic (unless

administered by a physician or taken according to the physician's instructions) or while intoxicated (intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred).

• dental care or treatment, except for such care or treatment due to accidental injury to sound natural teeth within 12 months of the accident and except for dental care or treatment necessary due to congenital disease or anomaly.

• sex change, reversal of tubal ligation or reversal of vasectomy.• artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or physician's services, unless required by

law.• committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.• traveling in or descending from any vehicle or device for aerial navigation, except as a fare-paying passenger in an aircraft operated by a commercial

airline (other than a charter airline) on a regularly scheduled passenger trip.• any loss incurred on active duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period for

which no insurance is provided as a result of this exception.)• an accident or sickness arising out of or in the course of any occupation for compensation, wage or profit or for which benefits my be payable under an

Occupational Disease Law or similar law, whether or not application for such benefits has been made. • involvement in any war or act of war, whether declared or undeclared.

Portability OptionIf the employee loses eligibility for any reason other than nonpayment of premiums, insurance can be continued by paying premiums directly to us within 31 days after termination. We will bill the employee directly once we receive notification to continue insurance.

Termination of InsuranceThe insurance terminates on the earliest of:

• the insured's death.• the premium due date when we fail to receive a premium, subject to the grace period. • the date of written notice to cancel insurance.• the date the policy terminates.• the date the insured ceases to be eligible for insurance.

Dependent insurance ends on the earliest of:• the date the insured's insurance terminates for any of the reasons above.• the date the dependent no longer meets the definition of a dependent.• the premium due date when we fail to receive a premium, subject to the grace period. the date of written notice to cancel insurance. • the date the policy is modified so as to exclude dependent insurance.

The insurance company has the right to terminate the insurance of any insured who submits a fraudulent claim. Termination will not impact any claim which begins before the date of termination.

Off-the-Job Accidental Injury Indemnity Benefit Rider: Does not pay benefits for injuries which are caused by an accident that occurs while in the course of any legal or illegal occupation, activity, or employment for pay, benefit or profit.

Surgical and Anesthesia Indemnity Benefit Rider: As an exception to the dental care or treatment exclusion above, we will pay the following dental or oral surgery procedures under this rider:

• excision of impacted third molarss• closed or open reduction of fractures or dislocation of the jaw.

LIMITATIONS + EXCLUSIONS

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

Additional Health Options

3

DENTAL COVERAGESERVICES COVERAGE

Type I - Diagnostic & Preventative** 100% Type II – Basic Restorative Services*** 80%

Type III – Major Restorative Services**** 50%Annual Maximum (Applies individually to member and each covered family member per policy year.) $1,000

Annual Deductible (Applies to Type II and III) $50

* Out of network reimbursement based on maximum allowable (MA). ** Type I services include: exams, cleanings, topical fluoride, space maintainers and bitewings *** Type II services include: x-rays, emergency treatment for pain, fillings, and simple extractions. **** Type III services include: denture repair, oral surgery (except TMJ), non-surgical periodontics, surgical periodontics, periodontal maintenance, crowns, inlays, onlays, veneers endodontics, prosthodontics and implants. (12 month waiting period for Type III); This is a brief summary of TransSmile® Group Dental Insurance underwritten by Transamerica Life Insurance Company. Home Office: Cedar Rapids, IA, Policy Form Series CPDEN100, CCDEN100. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details. *Rates do not apply in the State of

California. Please request rates for California residents. Rates shown include insurance premium and $1.00 administrative fee. This Insurance is unavailable to participants in the following states: AK, CO, CT, GU, HI, KS, MA, MD, ME, NH, NJ, NY, OR, PR, SD, UT, VI, VT, and WA.

VISION COVERAGE Examinations and Lenses: Once every 12 months Frames: Once every 24 months

Examination Co-Pay: $10 Materials Co-Pay: $25

BENEFITS PARTICIPATING PROVIDER NON-PARTICIPATING PROVIDER*

Examination 100% after Exam Co-Pay Up to $40

Single/Bifocal/Trifocal Lens (Standard Plastic) 100% after Materials Co-Pay Up to $40/$60/$80

Polycarbonate Lenses $0 for members under age 19, $30 for members age 19+ N/A

Standard Progressive Lenses $50 additional co-pay N/AStandard Photochromic Lenses $60 additional co-pay N/A

Frames** 100% after Co-Pay Up to $45Contact Lenses - Medically

Necessary*** $250 allowance Up to $225

Contact Lenses - Elective**** $100 allowance Up to $100Contact - Fitting $30 allowance N/A

Laser Eye Surgery Discounted refractive eye surgery from selected provider locations.

Dental/Vision Rates

MEMBER MEMBER + SPOUSE MEMBER + CHILDREN FAMILY

$32.52 $57.55 $61.19 $90.28

*All out-of-network reimbursement must be submitted to Advantica and are subject to co-pays. | ** 100% coverage applies to frames on Provider’s special frame selection. If outside special frame selection, member receives a $100 allowance. | *** Limited to Aphakia, Keratoconus or Severe Anisometropia and requires pre-authorization by Advantica. | **** This benefit is paid only once during the Group’s Benefit Period and must be fully utilized at the time of purchase.

$Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

Dental and Vision

TRANSSMILE® DENTAL INSURANCE EXCLUSIONS & LIMITATIONS

Covered Dental Expenses do not include, and no benefits are provided, for the following:

1. Services which are not included in the List of Covered Dental Services; which are not necessary; or for which a charge would not have beenmade in the absence of insurance.

2. Any Service which may not reasonably be expected to successfully correct the Insured Person’s dental condition for a period of at least 3 years, as determined by Us.

3. Any Service provided primarily for cosmetic purposes. [Facings on crowns or bridge units on molar teeth and] [composite] resin restorations on molar teeth will always be considered cosmetic.]

4. Implants; charges for the insertion of implants or related appliances; or the surgical removal of implants (unless the Policy includes the Implant Benefits Rider).

5. Athletic mouth guards; myofunctional therapy; infection control; precision or semi-precision attachments; denture duplication; oral hygiene instruction; separate charges for acid etch; broken appointments; treatment of jaw fractures; orthognathic surgery; completion of claim forms; exams required by a third party other than Transamerica; personal supplies (e.g., water pik, toothbrush floss holder, etc.); or replacement of lost or stolen appliances.

6. Charges for travel time; transportation costs; or professional advicegiven on the phone.

7. Orthodontic treatment (unless the Policy includes the OrthodonticBenefits Rider).

8. Services that are a covered expense under any other plan that is provided by the Policyholder and under which You are eligible for insurance.

9. Services performed by a Dentist who is member of the Insured Person’s family. Insured Person’s family is limited to a spouse, siblings, parents,children, grandparents, and the spouse’s siblings and parents.

10. Any charges, including ancillary charges, made by a hospital,ambulatory surgical center or similar facility.

11. Any Service required directly or indirectly to diagnose or treat a muscular, neural, or skeletal disorder, dysfunction, or disease of the temporomandibular joints or their associated structures (unless thePolicy includes the TMJ Benefits Rider).

12. Any charge for a Service performed outside of the United States other than for Emergency Treatment. Benefits for Emergency Treatment performed outside of the United States are limited to a maximum of $100 per year per Insured Person.

13. Any charge for a Service required as a result of disease or injury that is due to war or an act of war (whether declared or undeclared); taking part in an insurrection or riot; the commission or attempted commission of a crime; an intentionally self-inflicted injury or attempted suicide whilesane or insane.

14. Any charge for a Service for which benefits are available under Worker’s Compensation or an Occupational Disease Act or Law, even if theInsured Person did not purchase the insurance that is available.

15. Any Service for which the Insured Person is not required to pay, unless the payment of benefits is mandated by law and then only to the extent required by law.

16. Benefits to correct congenital or developmental malformations.17. Charges for services when a claim is received for payment more than

12 months after services are rendered.18. Charges for complete occlusal guards, enamel microabrasion,

odontoplasty, and bleaching.19. For specialized techniques that entail procedure and process over

and above that which is normally adequate, any additional fee is the Participant’s responsibility.

20. Behavior management.21. Charges for general anesthesia/intravenous sedation are not covered,

except when administered in conjunction with covered oral surgery and unusual medical circumstances require the use of general anesthesia as determined by Our Administrator’s dental consultants.

22. Charges for desensitizing medicines, home care medicines, premedications, stress breakers, coping, office visits before or after regularly scheduled hours, case presentations, and hospital relatedservices.

23. harges for treatment by other than a Dentist except that a licensed hygienist may perform services in accordance with applicable law. Services must be under the supervision and guidance of the Dentist in accordance with generally accepted dental standards.

24. Benefits for services or appliances Started prior to the date thePerson became eligible under this policy, including, but not limited to, restorations, prosthodontics, and orthodontics.

25. Services for increasing the vertical dimension or for restoring tooth structure lost by attrition, for rebuilding or maintaining occlusal services, or for stabilizing the teeth.

26. Experimental and/or investigational services, supplies, care andtreatment which do not constitute accepted medical practice within the range of appropriate medical practice under the standards of the case and under the standards of a qualified, responsible, relevant segment of the medical and dental community or government oversight agencies at the time services were rendered. Drugs are considered experimental if they are not commercially available for purchase or are not approved by the Food and Drug Administration for general use.

27. Services for the replacement of a Missing Tooth.

TERMINATION PROVISIONSAll of Your or Your Dependents’ insurance under the Policy will terminate at 11:59 PM at the main office of the Policyholder on the earliest date shown below:

1. The [last day of the month in] [date on] which You cease to be Actively At Work as an Member of the Employer.

2. The [last day of the month in][date on] which You or Your Dependent,where applicable, cease to be eligible for insurance under the Policy.

3. The [last day of the month in] [date on] which the Policy is amended toterminate the insurance for the class of [Participant] [and Dependents] to which You or Your Dependent belong.

4. On the [last day of the month in] [date on] which You request, in writing,to have You and, if applicable, Your Dependent insurance terminated.

5. On the [last day of the month for] [last day of a period for] which therequired Premium was paid to Us by the Policyholder.

6. On the [last day of the month for] [last day of a period for] which Youmade the required Premium payment.

7. On the last day of the month in which the Policy terminates or is terminated by either the Policyholder or Us.

8. On the last day of the month in which You, or Your Dependent, ifapplicable, enter full time military service.

If an event that is described above occurs, You must provide written notice of such event to Us at [our Home Office or our Administrator’s Office] within 31 days. However, failure to give Us written notice within such 31 day period will not continue insurance in force beyond the time it would otherwise have been terminated as described above. In the event Premiums have been paid to Us on Your behalf after Your insurance should have terminated, We will refund the Premium for the period for which Premiums were paid in error up to a maximum of two months or to the last Policy Anniversary, whichever is less. If We are not notified that Your insurance has terminated and We pay any benefits for Covered Dental Expenses incurred after the date Your insurance terminated, the full amount of those benefits will be considered an overpayment which must be repaid to Us.

LIMITATIONS + EXCLUSIONS

EBD SSDEN1099M 0316

This is a brief summary of TransSmile® Group Dental Insurance underwritten by Transamerica Life Insurance Company. Home Office: Cedar Rapids, IA, Policy Form Series CPDEN100, CCDEN100. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details. *Rates do not apply in the State of California. Please request rates for California residents. Rates shown include insurance premium and $1.00 administrative fee. This Insurance is unavailable to participants in the following states: AK, CO, CT, GU, HI, KS, MA, MD, ME, NH, NJ, NY, OR, PR, SD, UT, VI, VT, and WA.

Policy Highlights BenefitsInitial Hospitalization for Injury Benefit $500 per person, per calendar year

Accident Emergency Treatment Benefit $100 for member or spouse paid once per insured accident$70 for children paid once per insured accident

Accident Hospital Income Benefit Hospital - $100 per day up to 365 days per year with 30 days of accidentICU - $300 per day up to 15 days per insured person per insured accident

Appliances Benefit $100 per accident, per person

Physical Therapy Benefit $50 per treatment, one treatment per day - up to six treatments per insured accident

Prosthesis Benefit $500 per person, per insured accident

Accident Follow-up Treatment Benefit $25 per visit up to a maximum of 3 treatments within 6 months per insured person, per insured accident

Wellness Benefit $60 annual benefit for the insured or any one insured family member after the first 12 months of paid premium

Ambulance Benefit $150 Ground Ambulance$600 Air Ambulance

Accidental DeathMotorized Vehicle or Pedestrian Accidents

Member: $25,000Spouse: $12,500Child: $2,500

Common Carrier AccidentMember: $35,000Spouse: $17,500Child: $3,500

Other AccidentMember: $15,000Spouse: $7,500Child: $1,500

Accidental Dismemberment

Pays the percentage of the accidental death benefit:Both arms and legs - 100%Two arm or two legs - 50%Two eyes, hands, or feet - 50%One eye, hand, foot, arm, or leg - 20%One or more fingers and/or one or more toes - 5%

Specific Sum Injuries

Pays benefits for dislocations, burns, ruptured discs, torn knee cartilage, eye injuries, lacerations, internal injuries, fractures, and for blood plasma. Benefits range from $30-$2,000. Ask for copy of rider for specific amounts payable and definitions and limitations for each specific accident. (Benefits will not be paid for services rendered by a member of the immediate family of an insured person)

Benefits On or off the job accidents

The MoreYou Know

Accidents can happen at any time, to anyone. Who would pay the bills when a serious injury unexpectedly puts you in a hospital bed for days, weeks, or longer? The everyday bills and extra expenses do not stop when an accident strikes.

Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Accident Only Insurance Policy underwritten by Transamerica Life Insurance Company.

Rates for Accident Select® I

Member Member + Spouse Member + Child(ren) Family

$28.39 $34.29 $34.94 $40.84

MONTHLY

$

AccidentSelect® IAn Accident Only Insurance Policy

This is a brief summary of AccidentSelect® Accident Insurance being offered and underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy Form Series TPA0100 or CP500100. Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and Exclusions apply. Refer to the policy, certificate and riders for complete details.

EBD SSNAWPACSM 0316

We will not pay benefits for an insured Accident that is caused by or occurs as a result of an insured Person:

A. Driving any taxi or intrastate or interstate long distancevehicle for wage, compensation or profit;

B. Mountaineering, parachuting or hang gliding;

C. Poison, gas or fumes voluntarily taken, administered,absorbed, or inhaled;

D. Alcoholism or drug addiction;

E. Participating in any sport or activity for wage, compensationor profit; or racing any type vehicle in an organized event;

F. Travel in or descent from any vehicle or device for aerialnavigation, except as a fare paying passenger in an aircraftoperated by a commercial airline (other than a charter airline)on a regularly scheduled passenger trip;

G. War, or any act of war, whether declared or undeclared;

H. Participating in any activity or event, including the operationof a vehicle, while under the influence of a controlled substance(unless administered by a Physician or taken according to thePhysician’s instructions) or while intoxicated (Intoxicatedmeans that condition as defined by the law of the jurisdiction in which the accident occurred);

I. Participating in, or an attempt to participate in, an illegalactivity that is defined as a felony, whether charged or not (Afelony is as defined by the law of the jurisdiction in which theactivity takes place);

J. Intentionally self-inflicted bodily injury or attemptingsuicide, while sane;

K. Any loss incurred while on active duty status in the armedforces (if you notify us of such active duty, we will refundany premiums paid for any period for which no benefits areprovided as a result of this exception).

TERMINATION OF INSURANCEA. If your (the Insured’s) Spouse is insured under this policy,such insurance shall Terminate upon the earliest of yourSpouse’s:

(1) Death; or(2) Valid decree of divorce from you; or(3) End of insurance by reason of your written request,effective upon

our receipt of your written notice.

B. If a Dependent Child is insured under this policy as provided

in the definition of “Dependent Children,” such insurance shall Terminate/End upon the earliest of such child’s:

(1) Death; or(2) Marriage; or(3) Attainment of age 19; or(4) Attainment of age 25 if a full-time student at a regulareducational institution; or(5) Written notice by you to end such insurance effectiveupon receipt by us.

C. Insurance under this policy will end upon the earliest of theInsured’s:

(1) Death; or(2) Failure to pay the renewal premium before the GracePeriod ends; or(3) Written notice to end insurance, effective upon thereceipt by us.

Insurance will not end on an insured Person who is an unnamed Dependent Child unable to self-sustain employment by reason of mental retardation or physical handicap (who became so unable prior to the attainment of the hmiting age for eligibility under this policy), and who is chiefly dependent upon you (the Insured) for support and maintenance. Proof of such inability and dependency must be furnished to us not more than 31 days from the date of child’s insurance ends. Proof of continued inability and dependency must be furnished at our request, but no more than annually after two years following the child’s 25th birthday. In the event Premiums have been paid to Us on Your behalf after Your insurance should have terminated, We will refund the Premium for the period for which Premiums were paid in error up to a maximum of two months or to the last Policy Anniversary, whichever is less. If We are not notified that Your insurance has terminated and We pay any benefits for Insured Dental Expenses incurred after the date Your insurance terminated, the full amount of those benefits will be considered an overpayment which must be repaid to Us.

LIMITATIONS + EXCLUSIONSAccidentSelect® I

This is a brief summary of AccidentSelect® Accident Insurance being offered and underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy Form Series TPA0100 or CP500100. Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and Exclusions apply. Refer to the policy, certificate and riders for complete details.

EBD SSNAWPACSM 0316

Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Group Critical Illness Insurance underwritten by Transamerica Life Insurance Company. Group Critical Illness insurance provides a lump sum benefit to help pay out-of-pocket medical expenses and the costs associated with life changes following a covered critical illness.

$

Covered Critical IllnessesIllness covered under policy Percentage of Benefit Amount

Heart Attack 100%

Stroke 100%

Major Organ Failure 100%

End Stage Renal Failure 100%

Other Specified Organ Failure (Loss of sight, speech, or hearing) 100%

Miscellaneous Diseases - Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease), Encephalitis/meningitis, Rocky Mountain Spotted Fever, Typhoid Fever, Anthrax, Cholera, Primary Sclerosing Cholangitis (Walter Payton's Disease) and Tuberculosis

100%

Alzheimer's Disease 30%

Coronary Artery Disease Requiring Bypass Grafts 25%

Coronary Artery Disease Requiring Angioplasty/Stent 5%

Additional Benefit Benefit AmountWellness Indemnity Benefit $100

Recurrent Critical Illness Benefit Rider 100%

CriticalEvents®

Critical Illness Benefit

Critical illness insurance provides a lump-sum cash benefit which the member can use however they wish. After the critical illness diagnosis, the insured person will receive a lump-sum percentage of the elected benefit amount. The diagnosis must be made after the effective date of the certificate. Percentages for each covered critical illness are shown in the Product Details section of the proposal.

Recurrent Critical Illness Benefit

This benefit provides each insured person with an opportunity to receive an additional payment for the same critical illness. The Recurrence Benefit is a percentage of the Critical Illness Benefit amount and the percentage is selected by the association. A recurrence of the same critical illness must be separated by a 12 month waiting period. For a cancer condition, the insured person must be treatment free for 12 months. Only one Recurrence Benefit will be paid for each critical illness.

Wellness Indemnity Benefit This benefit can help pay the costs for a screening test for early disease signs and lead to earlier intervention, better outcomes and healthier members. The benefit is payable once per calendar year per insured person.

First Occurrence First occurrence after effective date

Rate Structure Voluntary - Issue Age

* Payment of the partial benefit for Carcinoma in Situ will reduce the benefit for invasive cancer. Payment of the partial benefit for coronary artery bypass surgery will reduce the benefit for a heart attack.

What Is It?Concentrate on your recovery, not your finances. Critical illness insurance provides a single cash benefit paid directly to you if you’re diagnosed or treated for a covered critical illness -- giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses, such as car payments, the mortgage, groceries, or utility bills. Consider how you would manage if you were unable to work due to an illness.

$Sample Premiums for Member - Non-Tobacco Rates

Age $15,000 $20,000 $25,000 $30,000 $35,000 $40,000

18-29 $15.75 $18.60 $21.45 $24.30 $27.15 $30.00

30-39 $17.40 $20.80 $24.20 $27.60 $31.00 $34.40

40-49 $25.95 $32.20 $38.45 $44.70 $50.95 $57.20

MONTHLY

Age $15,000 $20,000 $25,000 $30,000 $35,000 $40,000

50-59 $42.60 $54.40 $66.20 $78.00 $89.80 $101.60

60-64 $79.35 $103.40 $127.45 $151.50 $175.55 $199.60

65+ $100.95 $132.20 $163.45 $194.70 $225.95 $257.20

MONTHLY

CriticalEvents®Critical Illness Insurance

EBD KGNAWPCEM 0518This is a brief summary of CriticalEvents®. underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPCI0500 and CCCI0500. Form and number may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

EXCLUSIONS + LIMITATIONS forCriticalEvents®

We do not pay benefits for losses caused by, or as a result of, the insured person's:• Participation or attempting to participate in an illegal activity.• Intentionally causing self-inflicted injury.• Committing or attempting to commit suicide, whether sane or insane.• Involvement in any period of armed conflict.

Under no condition will we pay any benefits for losses incurred prior to the effective date.

Portability option If a member loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying the premiums directly to us at our administrative office within 31 days after termination. We will bill the member directly once we receive notification to continue this insurance.

Termination of insurance Member insurance will terminate on the earliest of:

• The date the group master policy terminates, subject to the portability option.• The date a member ceases to be eligible for insurance.• The date of the member's death.• The premium due date on which we fail to receive the member's premium.• The date the member sends us a written notice to cancel insurance.

Dependent insurance will terminate on the earliest of:• The date the member's insurance terminates.• The premium due date on which we fail to receive the member's premium.• The date the dependent no longer meets the definition of dependent.• The date the group master policy or certificate is modified to exclude dependent insurance.• The date the member sends us a written notice to cancel dependent insurance.

We may end the insurance of any insured person who submits a fraudulent claim under the policy. Termination of the member's insurance will not affect any claim which begins before the date of termination.

Termination of the group master policy The group may end the policy on any premium due date by submitting a 60-day advance written notice. A group policy will not continue if it drops below the minimum required participation. The group master policy will be terminated and insurance of all remaining insureds will end, subject to the portability option.

Other insurance with usA member can only have one critical illness policy or certificate with us. If a person already has critical illness insurance with us, such person is not eligible to apply for this insurance.

LIMITATIONS + EXCLUSIONSCriticalEvents®

EBD KGNAWPCEM 0518This is a brief summary of CriticalEvents®. underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPCI0500 and CCCI0500. Form and number may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Policy Highlights BenefitsPortable Yes

Hospital Confinement & Extended Benefits

$200 per day, for 90 days, for hospital confinement for the treatment of cancer; $400 per day for hospital confinement beyond 90 continuous days. This benefit is paid in lieu of all other benefits under the certificate, except for surgery and anesthesia.

Government Hospitals $200 per day in lieu of all other benefits under the certificate.

Radiation & Chemotherapy (In/Outpatient) Actual charges up to $15,000 maximum per 12 month benefit period.

Related Radiation & Chemotherapy Expenses

$750 per 12 month benefit period for treatment consultation and planning, radiation management, physical exams, checkups, laboratory or diagnostic tests when authorized by a radiologist, chemotherapist or oncologist.

Experimental Treatment Actual charges up to $15,000, per 12 month benefit period, for drugs, chemicals, surgery or therapy approved by FDA, NCI, or ACS. Treatment must be received in a US hospital when authorized by the attending physician.

Private Duty Nurse $200 per day during hospital confinement when authorized by the attending physician.

Surgery Up to $3,000 for in-hospital surgery and up to $4,500 for outpatient surgery. Actual benefit is determined by the surgery schedule.

Reconstructive Surgery Up to $750 for reconstructive surgery within two years of cancer removal.

Anesthesia Benefit is equal to 25% of surgery benefit.

Skin Cancer Surgery $225 1st removal; $105 per additional removal. (skin cancer does not include malignant melanoma or mycosis fungoides).

Prosthesis Actual charges up to $1,500 per prosthetic device that requires implantation. Hair prosthesis up to $150 for wig or hair piece related to hair loss from cancer treatment.

Attending Physician $40 per day during hospital confinement.

Inpatient Drugs & Medicines $30 per day or during confinement.

Blood, Plasma, & Platelets Actual incurred charges up to $15,000 per 12 month benefit period (except when replaced by donated blood when there is no charge to the insured person).

Second Surgical Opinion $300 when surgery is prescribed treatment; excludes skin cancer.

Hospice Care $200 per day at hospice center or hospice home visit: Lifetime maximum 100 days.

Ambulance $200 for service by a licensed ambulance service for transportation to a hospital; admittance required.

Transportation Benefit Private vehicle - $0.40 per mile up to 750 miles for hospital confinement located more than 50 miles from your residence. Commercial travel - Actual round trip charges. Payable once per confinement.

Family Lodging Benefit Hospital located more than 100 miles from residence $100 per day with maximum benefit of 50 days per 12 month period.

Extended Care Facility $200 per day, up to the number of days of the hospital stay, when admitted within 14 days of discharge.

Physical Therapy & Speech Therapy $50 per treatment (limit one per day).

Waiver of Premium Premiums are waived after insured is totally disabled for 60 days due to cancer; total disability must begin prior to the insured person’s 70th birthday.

Annual Cancer Screening BenefitPays $100 per unit per calendar year for covered cancer screening tests: mammograms, pap smears, flexible sigmoidoscopy, prostate-specific antigen tests, chest x-rays, hemocult stool specimen, ultrasounds, CEA, CA125, biopsy, thermography, colonoscopy, serum protein electropheresis, bone marrow testing, and blood screenings. Service must be under the supervision of or recommended by a physician, and charge must be incurred.

Cancer Suppressive Therapy, Hematological Drugs, Anti-Nausea Drugs, and Motility Drugs

Actual charges up to $1,000 for any combination of listed cancer maintenance therapy expenses per calendar year.

Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Cancer Insurance underwritten by Transamerica Life Insurance Company.

What Is It?Cancer insurance is designed to provide benefits to help with the cost of cancer treatment. Benefits are paid directly to you and are paid in addition to any other insurance you may have. This policy can also help protect your income from out-of-pocket expenses that aren’t covered by your major medical coverage including:

• Travel and lodging• Child care and household help• Normal living expenses - such as your car payment, mortgage, rent, and utility bills

Rates which include $15,000 Radiation, Chemotherapy and Blood

Policy Type Premium

Member $27.51

Member-Child $31.02

Family $47.76

MONTHLY

$

• Out-of-pocket medical expenses• Out-of-network specialists

CancerSelect® PlusVoluntary Group Cancer Only Insurance Policy

EBD SSNAWPCANM 0316This is a brief summary of CancerSelect® Plus, Group Cancer Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Policy form series CPCAN200 and CCCAN200 Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

EXCLUSIONS & LIMITATIONSThis Certificate provides benefits only for Cancer as defined herein, which is Positively Diagnosed while this Certificate is in force. It does not provide benefits for any other illness or disease.

1. We may reduce or deny a claim or void the Certificatefor loss incurred by an insured Person:

a. During the first 2 years from the Effective Dateof such insurance for any misstatements in theApplication which would have materially affected ouracceptance of the risk; or

b. At any time for fraudulent misstatements in theApplication.

2. We will only pay for loss as a direct result of Cancer.Proof of Positive Diagnosis must be submittedto Us for each new claim. We will not pay for anyother disease or incapacity that has been caused,complicated, worsened or affected by, or as a resultof, Cancer.

3. If a covered Hospital Confinement is due to morethan one covered disease or condition, benefits willbe payable as though the Confinement or expensewere due to one disease or condition. If a HospitalConfinement or expense is also due to a disease orcondition that is not covered, benefits will be payableonly for the part of the Hospital Confinement orexpense due to the covered disease or condition.

4. Under no condition will We pay any benefits for lossesor medical expenses incurred prior to the EffectiveDate.

5. Pre-Existing Condition Limitation - No benefits areprovided during the first 12 months for any Cancerthat has been diagnosed, treated, or for which theinsured Person has incurred expense or has takenmedication within 12 months prior to the EffectiveDate of such person’s insurance.

TERMINATION OF INSURANCEUnder a Family policy, your (the insured) spouse’s insurance will end upon the earlier of:

• The death of your spouse;• A valid decree of divorce received from the insured;

or• Your written notice to end insurance which is

effective upon our receipt of said notice.

Under a Single Parent Family policy or a Family policy, insurance will end on a dependent child upon the earlier of the child’s:

• Death;• Attainment of age 26;• Written notice to end insurance which is effective

upon our receipt of said notice.

Insurance on the insured will end upon the earlier of the insured’s:

• Death;• Failure to pay the renewal premium before the

grace period ends; or• Your written notice to end insurance which is

effective upon our receipt of said notice.

Insurance will end on each insured person if the renewal premium is not paid before the grace period expires.

EBD SSNAWPCANM 0316This is a brief summary of CancerSelect® Plus, Group Cancer Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Policy form series CPCAN200 and CCCAN200 Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

LIMITATIONS + EXCLUSIONSCancerSelect® PLUS

Life Coverage Options

4

Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Group Term Life Insurance underwritten by Transamerica Life Insurance Company.

What Is It?Life insurance helps provide immediate and future financial security for your family following your death. Term life insurance gives you coverage for a specified period of time, or “term” such as 10 years.

Policy Highlights Benefits

Benefit Levels- Guaranteed issue up to $50,000 not to exceed 5 times salary.- Spouse guaranteed issue up to $15,000.- Eligible dependent children issue is up to $10,000; minimum is $5,000

Evidence of Insurability Guaranteed Issue

Portable If an insured leaves the group for any reason, he or she may be able to continue this Voluntary Group Term Life Insurance coverage on a direct basis.

Convertible to Whole Life Policy Opportunity to convert to permanent1 life insurance upon termination of insurance.

Accelerated Death Benefit for Terminal Illness Rider

Accelerates up to 50% of the life insurance death benefit (to a maximum amount of $100,000) if a covered person is diagnosed for the first time with a terminal illness. Terminal illness is an illness that, in the best medical judgment, will result in death within 12 months. The accelerated amount will be deducted from the death benefit and this rider will terminate. We will deduct an administrative fee of $100 and 12 months interest from the accelerated amount. Any remaining death benefit will be paid to the beneficiary upon the covered person’s death.

Waiver of Premium Due to Layoff or Strike Rider

Waives the premium for up to six months in the event of involuntary layoff or strike. Waiver is limited to three layoffs/strikes, not to exceed a total of six months, per 12-month period. This rider terminates when the owner reaches age 65. This rider is not available to self-employed individuals.

Accelerated Death Benefit for Long Term Care

Allows an insured to take an advance against the life insurance death benefit to help pay for long-term care. The percentage of death benefit available each month is 4% for up to 25 months when confined in a licensed nursing or assisted living facility, or 2% for 50 months when receiving home health or adult daycare. The Rider may not cover all costs associated with long term care incurred during the period of coverage.

Extension of Benefits for Long Term Care

If the insured’s entire death benefit under the Accelerated Death Benefit for Long Term Care Rider has been paid and the insured continues to be chronically ill, the Extension of Benefits Rider allows an insured to have extended benefits. The benefit will be for 4% for confinement in a licensed nursing or assisted living facility, or 2% for home health care or adult day care service on a month-to-month basis, for up to an additional 25 months or 50 months respectively.

Accelerated Death Benefit for Critical Care Condition

Benefit amount is 25% of the life insurance death benefit. Allows the insured to receive an early payout of the life insurance death benefit in the event of these crititcal care conditions: cancer, heart attack, major organ transplant surgery, renal failure or stroke.

Issue ages are 16-75 for member and 16-65 for spouse. *Rates are based upon age and tobacco usage. 1 Coverage could lapse prior to the maturity for non-payment of premiums. You must speak with a benefits counselor to receive your applicable rate.

$Sample Premiums for $50,000 in Coverage* - Non-Smoker

AGE PREMIUM

Age 25 $16.71

Age 30 $18.88

Age 35 $22.63

Age 40 $30.42

Age 45 $40.29

Age 50 $52.75

MONTHLY

GUARANTEED ISSUEUP TO $50,000!$500,000 MAX!

TRANSSELECT®10Group Term Life Insurance

EBD SSNAWPSEL10M 0316

Trans Select®10 is Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa 52499. Premiums are scheduled to remain level for ten years and are guaranteed level for the first ten years. Premiums may actually increase annually starting in year 11. Policy form series CPVTL200 and CCVTL200. Rider form series CRTIVT00, CRWPL200, and CRADVT00. Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Accelerated Death Benefit for Terminal Illness Rider Policy form CRTIVTMOLIMITATIONS AND EXCLUSIONS

• Rider Effective Date.• We will pay an accelerated death benefit only once. If you

ask for less than the maximum amount available when yousubmit a claim, you cannot ask us at a later time to give youthe difference between what you did ask for and what youcould have asked for.

Waiver of Premium Due to Layoff or Strike RiderPolicy form CRWPL200LIMITATIONS AND EXCLUSIONS

• We will waive premiums for up to [3] Layoffs or Strikes inany one 12-month period.

• We will wave premiums for up to six months in any one12-month period.

• A 12-month period will be measured from the date the firstpremium is waived.

• If the Portability Option provision of the contract has beenexercised, if any, the Owner will need to provide proof ofbeing employed (other than self-employment) for the sixconsecutive months prior to the Layoff or Strike.

• This Rider is not available for self-employed individuals.

Accelerated Death Benefit for Critical Care Condition RiderPolicy form CRCCVTMOLIMITATIONS AND EXCLUSIONS

• We will not pay an accelerated death benefit under thisRider for any Critical Care Condition that is diagnosed forthe first time, prior to or during the Waiting Period.

• We will pay an accelerated death benefit only once for eachInsured. If you ask for less than the maximum amountavailable when you submit a claim, you cannot ask us at alater time to give you the difference between what you didask for and what you could have asked for.

• If the Insured suffers from more than one medical condition,we will pay an accelerated death benefit under this Riderfor only one of the conditions. Under no circumstances willwe pay an accelerated death benefit for any subsequentcondition.

We will not pay any accelerated death benefit under this Rider for:

1. Transient Ischemic Attacks (TIAs) and attacks ofVertebrobasilar Ischemia.

2. Skin cancer other than malignant melanomas, all tumorsthat are histologically described as pre-malignant or areonly showing early malignant change, cancer in-situ, andpapillary cancer of the bladder.

3. Any surgical procedures not specifically mentioned in thisRider.

Accelerated Death Benefit for Long Term Care RiderPolicy form CRLTVTMOLIMITATIONS AND EXCLUSIONSWe will not pay Rider benefits for care that is received or loss incurred as a result of:

1. Any sickness condition or Plan of Care that begins beforeor during the Waiting Period;

2. Attempted suicide, while sane;3. War or any act of war, declared or undeclared, or service in

the armed forces of any country;4. Treatment of the Insured’s alcohol, drug or other chemical

dependence, except if the drug dependency was sustainedor acquired at the hands of a Physician, or while undertreatment for an injury or sickness; or

5. The Insured’s commission of, or attempt to commit, afelony; or an injury that occurs because of the Insured’sinvolvement in an illegal activity.

We will not pay Rider benefits if the Confinement or service: 1. Is received outside the United States and its territories.2. Is provided by ineligible providers.3. Is rendered by members of the Insured’s Immediate Family4. Is fully or partially reimbursed by a state or federal workers’

compensation plan, Medicare, or any other governmentalprogram, except Medicaid.

5. Would not be charged for in the absence of insurance.

We will not pay Accelerated Death Benefits under this Rider for Confinement and Home Health Care/Adult Day Care simultaneously, even if the Insured otherwise qualifies for both benefits. In any given month the Insured qualifies for both benefits, we will pay either the Accelerated Death Benefit for Confinement or the Accelerated Death Benefit for Home Health Care/Adult Day Care, whichever is greater. We will not pay an Accelerated Death Benefit on any Riders attached to the contract.

TERMINATION OF INSURANCEThe policy and/or riders stop at the earlier of:

1. the date the policy terminates;2. the date the Insured dies; or3. the date we have pad the Accelerated Death Benefit for the

Insured;4. the date the owner requests termination;5. for non-payment of premium.

LIMITATIONS + EXCLUSIONSTransSelect®10 Group Term Life Insurance

EBD SSNAWPSEL10M 0316

Trans Select®10 is Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa 52499. Premiums are scheduled to remain level for ten years and are guaranteed level for the first ten years. Premiums may actually increase annually starting in year 11. Policy form series CPVTL200 and CCVTL200. Rider form series CRTIVT00, CRWPL200, and CRADVT00. Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Sample Monthly Premiums* - Non-Tobacco

AGE AMOUNT YOU WILL PAY AMOUNT OF DEATH BENEFIT

Age 25 $27.85 $50,000

Age 30 $32.60 $50,000

Age 35 $39.08 $50,000

Age 40 $48.13 $50,000

$

Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Group Universal Life Insurance underwritten by Transamerica Life Insurance Company.

Policy Highlights Benefits

Benefit Levels Guaranteed issue up to $50,000 for member and $15,000 for spouse. Eligible dependent children is $25,000 or $10,000 for child term rider.

Eligibility 90 Days

Evidence of Insurability Guaranteed Issue

Cash Value Accumulation The policy builds with a minimum guaranteed interest rate of 3%

Portable Yes. If you retire or leave your group, you can take comfort in knowing that your premium won’t change because you leave.

Accelerated Death Benefit for Terminal Illness Rider

Accelerates up to 50% of the life insurance death benefit (to a maximum amount of $100,000) if an insured person is diagnosed for the first time with a terminal illness. Terminal illness is an illness that, in the best medical judgment, will result in death within 12 months. The accelerated amount will be deducted from the death benefit and this rider will terminate. We will deduct an administrative fee of $100 and 12 months interest from the accelerated amount. Any remaining death benefit will be paid to the beneficiary upon the insured person’s death.

Waiver of Premium Due to Layoff or Strike Rider

Waives the premium for up to six months in the event of involuntary layoff or strike. Waiver is limited to three layoffs/strikes, not to exceed a total of six months, per 12-month period. This rider terminates when the owner reaches age 65. This rider is not available to self-employed individuals.

Accelerated Death Benefitfor Critical Care Condition Rider

Benefit amount is 25% of the life insurance death benefit, up to $100,000. Allows you to receive an early payout of the life insurance death benefit in the event of these critical care conditions: invasive cancer, heart attack, major organ transplant surgery, end stage renal failure or stroke.

Accelerated Death Benefit for Chronic Condition Rider

Accelerates a portion of the life insurance death benefit amount if an insured person is diagnosed with a covered chronic illness in the best medical judgment is unable to perform activities of daily living for a period of at least 90 days without human assistance; or has a severe cognitive impairment that is expected to be permanent or requires supervision to protect the insured’s health or safety.

Extensions of Benefits for Chronic Condition Rider

After 100% of the death benefit amount has been accelerated for chronic condition rider and the insured employee or spouse continues to be eligible for benefits, we will begin increasing the Accelerated Death Benefit for Chronic Condition benefit amount by 4% so that the monthly accelerations can continue. Also issues a paid-up certificate for 25% of the death benefit amount to be paid to the beneficiary upon the insured person’s death.

Extension of Long-Term Care Benefits with Paid-Up Insurance Benefit

If the insured’s entire death benefit under the Accelerated Death Benefit for Long Term Care Rider has been paid and the insured continues to be chronically ill, the Extension of Benefits Rider allows an insured to have extended benefits. The benefit will be for 4% for confinement in a licensed nursing or assisted living facility, or 2% for home health care or adult day care service on a month-to-month basis, for up to an additional 25 months or 50 months respectively.

What Is It?Universal Life Insurance is designed to last your lifetime. It combines life insurance protection with the ability to grow cash value over time. As long as your policy has earned sufficient cash value, you may borrow from it for any reason at a modest interest rate. You can use this loan for things such as paying college tuition, mortgage costs, or use it to pay for final expenses.

GUARANTEED ISSUEUP TO $50,000!$500,000 MAX!

* Rates are based upon age and tobacco usage. You

must speak with a benefits counselor to receive your

applicable rate.

TransElite®

Group Universal Life Insurance Policy

EBD KGNAWPELM 0917

This is a brief summary of TransElite® Universal Life Insurance Policy underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Form Series CRLTI1MO, CRLWL100, CRLCC1MO, CRLLT1MO and CRLEX100. Forms and form numbers may vary. This Insurance is unavailable to participants in the following states: AK, CT, GU, HI, MA, MD, ME, NH, NJ, NY, OR, PR, UT, VI, VT, and WA. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Accelerated Death Benefit for Critical Care Condition Rider Policy form CRLCC1MOLIMITATIONS AND EXCLUSIONSWe will not pay an Accelerated Death Benefit under this Rider for any Critical Care Condition that is diagnosed for the first time, prior to, or during the Waiting Period. We will pay an Accelerated Death Benefit only once. If You request less than the maximum amount available when a claim is submitted, You cannot ask Us at a later time to give You the difference between what was requested and what could have been requested. We will not pay an Accelerated Death Benefit on any Riders attached to the Contract.

CONCURRENT AND/OR SUBSEQUENT MEDICAL CONDITIONSIf the Insured suffers from more than one medical condition, We will pay an Accelerated Death Benefit under this Rider for only one of the conditions. Under no circumstances will We pay an Accelerated Death Benefit for any subsequent condition.

LIMITATIONSWe will not pay any Accelerated Death Benefit under this Rider for:

1. Transient Ischemic Attacks (TIAs) and attacks of Vertebrobasilar Ischemia.2. Skin cancer other than malignant melanomas, all tumors that are histologically

described as pre-malignant or are only showing early malignant change, cancer in-situ, and papillary cancer of the bladder.

3. Any other surgical procedures not specifically mentioned in this Rider.

LIMITATIONS We will not pay Accelerated Death Benefits under this Rider for Confinement, Home Health Care, or Adult Day Care simultaneously, even if the Insured otherwise qualifies for both benefits. In any given month the Insured qualifies for both benefits, We will pay either the Monthly Accelerated Death Benefit for Confinement or the Monthly Accelerated Death Benefit for Home Health Care or Adult Day, whichever is greater. We will not pay an Accelerated Death Benefit on any Riders attached to the Contract.

WHEN INSURANCE STOPSThe insurance under this Certificate will stop on the earliest of:

1. The Monthly Date that coincides with or next follows the date We receive Yourwritten request to terminate insurance;

2. The Maturity Date;3. The date the Insured dies;4. The date this Certificate Lapses, subject to the Grace Period provision; or5. The date the Policy terminates, subject to the Portability Option provision.

Chronic Condition Rider with Extension of Benefits RiderPolicy form CDLEX100

Special NoticeBenefits received under this Rider may be taxable as income. Whether any tax liability is incurred when benefits are paid under this Rider could depend on whether your employer has paid the premium, and how the Internal Revenue Service interprets applicable provisions of the Internal Revenue Code. As with any tax matter, you and any other recipient of this benefit should each consult an independent tax advisor to evaluate any tax impact of this benefit.

Receipt of an Accelerated Death Benefit may adversely affect eligibility for Medicaid or other government benefits or entitlements. Without exercising this option, the mere fact that this Rider is part of your contract will not, in and of itself, affect the eligibility for these government programs. However, exercising this option before you apply for these programs, or while you are receiving government benefits, may affect your continued eligibility. Contact the Medicaid Unit of the local Department of Public Welfare and Social Security Administration Office for more information.

BENEFITS UNDER THE ACCELERATED DEATH BENEFIT FOR CHRONIC CONDITION RIDERAfter our receipt of written proof that an Insured has met the Eligibility for Benefits provision, the Owner may choose to receive a portion of the Death Benefit while the Insured is still alive and while the Rider is in force, until the entire Death Benefit has been paid out.

ELIGIBILITY OF BENEFITSAfter the Waiting Period has been satisfied, we will pay an Accelerated Death Benefitunder this Rider after we receive written proof that the Insured has met all of the following conditions.1. A Physician has certified that the Insured has a Chronic Illness;2. The Insured has satisfied the Elimination Period; and3. The contract to which this Rider is attached is in force.

ACCELERATED DEATH BENEFIT OPTIONSYou may choose one of the following options for submitting a claim for an Accelerated Death Benefit under this Rider:

Option 1 - Monthly Accelerated Death Benefit - You may request a monthly Accelerated Death Benefit equal to the applicable percentage of the Death Benefit Amount shown on the Contract Data Pages. This benefit is payable for each month the Insured satisfies the Eligibility for Benefits provision while this Rider is in force. After submitting satisfactory proof of loss, in order to continue receiving the monthly benefit you must provide, every

90 days, a written certification by a Physician that the Insured continues to have a Chronic Illness.

Option 2 - One-Time Lump Sum Accelerated Death Benefit - In lieu of the monthly Accelerated Death Benefit, you may request a one-time lump sum Accelerated Death Benefit payment equal to the applicable percentage shown on the Contract Data Pages of the Death Benefit Amount. Upon payment of this lump sum benefit, your rights under this Rider will end and this Rider will terminate.

BENEFITS UNDER THE EXTENSION OF BENEFITS RIDER This Rider extends benefits under the contract and the Accelerated Death Benefit for Chronic Condition Rider.Death Benefit Increases - We will increase the Death Benefit by a percentage, as shown in the Contract Data Pages, of the Death Benefit that was in force on the date the first monthly Accelerated Death Benefit was paid under the Accelerated Death Benefit for Chronic Condition Rider, subject to all of the following requirements.a. The Insured must be alive and continue to satisfy the Eligibility for Benefits provision ofthe Accelerated Death Benefit for Chronic Condition Rider.b. The entire Death Benefit must have been paid under the Accelerated Death Benefit forChronic Condition Rider before this Rider can be exercised.c. The cumulative Death Benefit increases under this Rider will not exceed 100% of the Death Benefit that was in force on the date the first monthly Accelerated Death Benefit waspaid under the Accelerated Death Benefit for Chronic Condition Rider.d. Additional monthly Death Benefit increases under this Rider will be allowed and becomeeffective the month immediately following the date the entire previous Death Benefitincrease has been paid under the Accelerated Death Benefit for Chronic Condition Rider.e. You may not have elected to receive a one-time lump sum accelerated death benefit payment under the Accelerated Death Benefit for Chronic Condition Rider.If you have elected to receive a one-time lump sum accelerated death benefit payment under the Accelerated Death Benefit for Chronic Condition Rider, we will increase such lump sum payment by a percentage of the Death Benefit as of the Monthly Date immediately following the date the Elimination Period, as defined in the Accelerated Death Benefit for Chronic Condition Rider, has been satisfied. Such percentage is shown in the Contract Data Pages. All other provisions of the Accelerated Death Benefit for Chronic Condition Rider related to the one-time lump sum benefit will apply to this increased lump sum benefit. After payment of this increased lump sum benefit, all your rights under this Rider will end and this Rider will terminate.Paid-Up Benefit - As soon as the first increase is applied under this Rider, we will issue apaid-up certificate for a percentage of the Death Benefit that was in force on the date the first monthly Accelerated Death Benefit was paid under the Accelerated Death Benefit for Chronic Condition Rider. The percentage that will be used to calculate the paid-up amount is shown on the Contract Data Pages. This paid-up insurance will have no cash or loan values. We will not provide this paid-up life insurance benefit if you elect to receive a one-time lump sum benefit under the Accelerated Death Benefit for Chronic Condition Rider.

Elimination Period - The number of consecutive days during which the Insured must meet the conditions listed under the Benefits provision and during which no benefits are payable under this Rider. The Elimination Period starts on the day the Insured’s Chronic Illness begins, as stated in the Physician’s certification. The Elimination Period for this Rider is shown on the Contract Data Pages. The Elimination Period needs to be satisfied only once during the Insured’s lifetime.Premiums - The initial monthly charge and the guaranteed monthly charge for this Rider are shown in the Contract Data Pages. We may use monthly charges lower than the guaranteed monthly charge but will not use charges higher than the guaranteed amount.Waiver of Monthly Deductions - For each month or partial month that benefits are paid under this Rider, we will waive the monthly deductions for the contract. If you elect the one-time lump sum Accelerated Death Benefit option, this waiver provision will not apply.Exclusions - We will not pay Rider benefits if the Insured meets the requirements of the Eligibility for Benefits provision as a result of:a. An intentionally self-inflicted injury, or attempted suicide;b. War or any act of war, declared or undeclared, or service in the armed forces of anycountry;b. Treatment of the Insured’s alcohol or narcotic dependence, except if the dependency is for a narcotic prescribed by a Physician in the course of treatment for an injury or sickness;ord. The Insured’s commission of, or attempt to commit, a felony; or an injury that occurs because of the Insured’s involvement in an illegal activity.We will not pay an Accelerated Death Benefit on any other Riders attached to the contract.Impact on Death Benefit - We will deduct any amounts paid under this Rider from theInsured’s Death Benefit and send the Owner a monthly report showing the effect of each payment on the contract values. Each payment will reduce the following contract values proportionally to the reduction in the Death Benefit: The Face Amount, Accumulation Value, Surrender Charge, Guaranteed Cash Value, if applicable, and any outstanding Loan balance, if any. The Insured’s beneficiary will receive any remaining Death Benefit after the Insured dies, provided the contract has not stopped. However, if the entire Death Benefit has been accelerated prior to the Insured’s death, the contract will terminate and there will be no Death Benefit payable upon the Insured’s death.

Once Rider benefit payments begin, you cannot change the Face Amount or the Death Benefit option of the contract or add any Riders, and we will not accept any premium payments.

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact a financial professional.

LIMITATIONS + EXCLUSIONSTransElite® A Group Universal Life Insurance Policy

MarketingWe provide custom communication pieces branded to your business and available via print and/or digital. Our team becomes an extension of your team and helps guide the enrollment process.

Billing and Eligibility

Contact Center

Our integrated, seamless, simple proprietary software is built to collect insurance premium through either group list bill or ACH/credit card draft. Eligibility syncs weekly with insurance carriers for seamless communication.

Our licensed, salaried, bilingual benefit information specialists are available Monday-Friday 8am-7pm EST to educate individuals about coverage options and handle sensitive health issues while protecting privacy. We are e-sign law compliant - requiring voice signatures and pin codes to authorize enrollments.

If participants prefer to shop online, we offer customized private labeled technology where individuals can shop at their convenience, enroll, review and download benefit plans and access video tutorials.

Enrollment OptionsWe offer customized private labeled technology where individuals can shop at their convenience, enroll, review and download benefit plans and access video tutorials.

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

Review Online• 24/7 at your convenience• Educational Tutorials• Look at Doctor Networks Online

ImplementationHow does it work?

1

2

3

Call Us Toll-Free• Salaried, Licensed Benefit Counselors• Monday - Friday, 8AM-7PM EST• Bilingual

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

ImplementationWhat comes next?

Your Next Steps:

Our Next Steps:

Distribute marketing items during open

enrollment and provide updates of participation.

Dedicate initial open enrollment time line.

Coordinate implementation call to discuss marketing

strategies.

Set up your coverage in our software.

Provide contact information for open

enrollment and new eligible participants monthly.

Approve marketingDiscuss marketing

strategy in implementation call.

Define product offering and complete the

included documentation

Enrollment First, Inc | 6712 Deane Hill Drive | Knoxville, TN 37919

Make sure you've signed the Confidentiality & Partnership Agreement. After contracts are completed, our team will reach out to set-up an implementation call, begin strategizing for marketing materials and develop a plan for open enrollment.

Print Name Date

Main Contact Name

Main Contact Mailing Address

Main Contact Email Address

Main Contact Phone Number

Billing Contact Name

Billing Contact Mailing Address (if different than above)

Billing Contact Email Address

Billing Contact Phone Number

Billing Method: ___ ACH ___ Group List Bill

Signature

Additional Offerings Available: ___ Short-Term Disability ___ 401K

I have reviewed the proposal and agree to move forward with:

___SelectMed___Hospital Indemnity Medical ___Coverage___Dental/Vision___Critical Illness Insurance___Accident Insurance___10 Year Term Life___Universal Life

Ready to get started? Complete the form below and email it to kroberts@enroll1st.com

Confidentiality & Marketing Agreement______________________________________ has seen a copy of the benefits proposed and agrees to give all eligible employees an opportunity to enroll in the Enrollment First, Inc. (EFI) offering.

______________________________________and EFI agrees to perform the following duties including, but not limited to:

1. EFI agrees to not divulge employee information, under any circumstances, with anyone outside of this agreement.

2. EFI, agrees to manage all of the following services directly with the employee: All communication of insurance plans to members ID card fulfillment Signing up and enrolling new members

3. ______________________________________agrees to market EFI’s Voluntary Insurance products beingoffered to employees. ______________________________________ is not required to contribute to thecost.

4. ______________________________________will allow EFI to actively market the benefits to its employees by:

Digital Marketing:a. Direct Email Campaigns

Direct Physical Marketing:a. Call Center Dial Outsb. Text Messaging

Recruiting Handout

5. ______________________________________will actively participate in the marketing and communication efforts of EFI by:

Marketing Efforts:o Digital Marketing:

Social Media Messages Email Campaigns Website Marketing through Banner Advertisements Payroll Announcements Digital Only

o Text Messagingo Recruiting:

Distribution of Marketing Colleterial

6. I will deduct my employees and will remit premium to Enrollment First, Inc. by the 10th of the month following the deductions, if we have a total of five (5) employees enroll. Otherwise, premium will becollected direct from the participant.

The term of this agreement is one (1) year beginning on the agreement execution date. Either party may terminate this agreement with or without cause by providing ninety days (90) written notice to the other party. This agreement may be renewed annually, subject to the approval of all parties.

________________________________ By: Title: Date:

Enrollment First, Inc 6712 Deane Hill Drive