of employees say their insurance benefits provide peace of mind

for the unexpected./2

YOUR MEMBER BENEFITS

SEE THE BENEFITS OF VISION CARE

IMMENSE INTEREST HIGHER RETENTION PEACE OF MIND

1/ 2015 Transitions Employee Perceptions of Vision Benefits Survey2/ Benefits Impact: Delivering Dynamic Benefits for a Loyal Workforce, Study by MetLife 2015

73%of employees satisfied with their benefits are also satisfied with

their jobs./2

81%of employees say that they

are interested in avision plan./1

80%

EYE CARE LEADS TO BETTER HEALTH. It also leads to lower insurance costs, higher efficiency & increased productivity.

With high rates of chronic disease and skyrocketing medical costs, a vision plan makes good sense. Having an eye examination may mean more than just seeing clearly. Your regular eye exam can diagnose serious health problems like hypertension, arteriosclerosis, diabetes and high cholesterol, all of which can contribute to unnecessary medical costs, vision loss or blindness.

WHO WE ARE

Davis Vision is more than just a national vision care administrator. We are an advisor, partner and leader serving 22 million funded members.

Davis Vision offers:

• A broad array of paid-in-full options

• Competitive premiums

• World-class union-staffed fabrication laboratories

• More than 97% client loyalty

• Turnkey administrative and customer services

• Total member flexibility to:

- choose any frame at provider’s office

- select the most popular lens options at significant savings

• Extensive blended network of premier retailers nationally, as well as independent optometrists and ophthalmologists, totaling over 65,000 points of access

• NCQA-certified provider credentialing process to ensure industry-leading standards for quality

• 100% United States-based services and operations

• Free one-year eyeglass breakage warranty on plan materials

We ensure low out-of-pocket costs with the broadest array of paid-in-full options and complete freedom of choice in eyewear. Members may select any frames or contact lenses and their allowance will apply, or they can choose frames or receive contact lenses that are completely covered in full through the Davis Vision Exclusive Collection.

WHAT WE OFFEROur network is built to match consumer preferences, and our Equal Opportunity Network Development Philosophy results in diversity of retailers and independents. Davis Vision offers four of the five top national retail chains in our network as a true (not affiliate) retail provider, while offering you great coverage and minimal markups by utilizing our fully-integrated model.

1

700+ locations Partners since 2004 Partners since 2013 Partners since 2004

2

4/Collection is available at most participating independent provider offices. Collection is subject to change.3/

Polycarbonate lenses are covered in full for dependent children, monocular patients and patients with prescriptions +/- 6.00 diopters or greater.

FREQUENCY - ONCE EVERY:

Kansas City Life Vision Plan DesignIN-NETWORK BENEFITS

Eye health examination inclusive of dilation (when professionally indicated)Spectacle lensesFrameContact lens evaluation, fitting & follow-up careContact Lenses (in lieu of eyeglasses)

Eye Health ExaminationEyeglasses (frame and/or spectacle lenses)Contact lens evaluation, fitting & follow-up care

Fashion levelDesigner levelPremier level

Clear plastic lenses, all ranges of prescription and sizesOversize lensesFashion and gradient tinting of plastic lensesScratch-resistant coating

Ultraviolet coatingAnti-reflective coating (standard / premium / ultra)Progressive lenses (standard / premium)Intermediate-vision lensesHigh-index lensesPolarized lensesPlastic photochromic lenses (Transitions Signature )

Non-collection contact lenses: Materials allowance

Collection contact lenses (in lieu of allowance)

Visually required contact lenses (with prior approval)

- Evaluation, fitting & follow-up care - standard lens types

Eye examination: $40Frame: $45

Single vision lenses: $40Bifocal lenses: $60

Trifocal lenses: $80Lenticular lenses: $80

Elective contact lenses: $120Visually required CL: $210

Copayment applies to Collection contact lenses only.

- Materials, evaluation, fitting & follow-up care

- Materials, evaluation, fitting & follow-up care

- Evaluation, fitting & follow-up care - specialty lens types

Scratch protection plan: Single vision lenses / Multifocal

Non-Collection frame allowance (retail)

$20 / $40

Up to $130

Included

15% discount15% discount

Included

IncludedIncludedIncludedIncluded

$0 OR $30$12

$30

$65

$55$75

$35 / $48 / $60$50 / $90

IncludedIncluded

$25 copayment

Up to $150

12 months12 months

12 OR 24 months12 months12 months

COPAYMENTS

EYGLASSES - FRAME BENEFIT

DAVIS VISION FRAME COLLECTION (in lieu of allowance)

EYEGLASSES - SPECTACLE LENSES BENEFIT

CONTACT LENS BENEFIT (IN LIEU OF EYEGLASSES)

OUT-OF-NETWORK REIMBURSEMENT SCHEDULE (UP TO:)

ONE-YEAR EYEGLASS BREAKAGE WARRANTY INCLUDED

Polycarbonate lenses (children / adults)/4

/3

/3

$0 OR $10$0 OR $25

1/

Additional discounts not applicable at Walmart, Sam’s Club or Costco locations.2/

/1$0 OR $25

® ™

/2Plus a 20% discount on any overage

/2Plus a 15% discount on any overage

VALUE-ADDED FEATURES - Replacement contact lenses may be ordered through www.davisvisioncontacts.com, saving both time and money. - Receive significant savings on laser vision correction including 40% - 50% off the national average price of traditional LASIK.

Compared to our competitors, Davis Vision offers the most value to members by manufacturing for independents, while providing private label options, which fit the form, function and lifestyle needs of our members. Davis Vision also provides members the option to buy any frame anywhere, with added value and benefits when shopping at Visionworks stores.

Our ability to offer a quality product alongside great value sets us apart from everyone else. See how we measure up to the competition below.

SAVE OVER $500

RATES 12/12/12 12/12/24 12/12/12 12/12/24

Employee Only $5.67 $5.48$10.20 $9.86

$10.77 $10.40$16.99

$7.88$14.19$14.98$23.64

$7.66$13.78$14.55$22.97$16.44

Employee + SpouseEmployee + Child/renFamily

Employer Paid $10 / $25 Employer Paid $0 / $0

RATES 12/12/12 12/12/24 12/12/12 12/12/24

Employee Only $9.42 $7.73$16.96 $13.92$17.90 $14.69$28.27

$11.25$20.24$21.37$33.74

$9.23$16.61$17.53$27.69$23.20

Employee + SpouseEmployee + Child/renFamily

Voluntary $10 / $25 Voluntary $0 / $0

KCL.07.17

EMPLOYER AND VOLUNTARY RATES

PROPOSAL PROVISIONS - Employer paid rates guaranteed for 36 months following the effective date. Voluntary rates are guaranteed for 24 months. - Employer paid proposal assumes group has been in business for one year. Voluntary proposal assumes group has been in business for two years. - Employer paid proposal assumes coverage is 100% employer paid and requires 100% participation. Voluntary coverage requires a minimum of two employees enrolled at all times. - If fewer than ten employees are enrolled, a $15 monthly administrative fee will apply. - Preferred providers may be found at www.davisvision.com/members and entering client code 2834 into the Open Enrollment section. - Proposal includes a flat 10% commission. - These rates are good for groups with effective dates up to 12/1/17

This is a brief description only and is not a contract. The Group Master Policy will determine all rights and benefits. Benefits provided by Kansas City Life Insurance Company.