New York Life

Critical Illness coverage provides a way for you to stay ahead of the medical and out-of-pocket expenses that can accompany certain
covered medical events. Most medical plans provide coverage for hospital and medical expenses associated with critical illnesses such
as stroke, heart attack, kidney failure, major organ transplant, coma and paralysis.

Critical Illness premium rates are determined by your age, tobacco status and the amount of coverage requested. Associate coverage
may be elected in a lump sum benefit of $5,000 to $25,000 in $5,000 increments. Spouse coverage may be elected in a lump sum
benefit of $2,500 to $12,500 in $2,500 increments up to 50% of the associate elected lump sump benefit. Eligible dependent children
are automatically enrolled in 25% of the Associate elected coverage.