GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America Aesop IntermediateLLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 Critical Illness Cost Illustration To determine the most appropriate level of coverage, you should consider your current basic monthly expenses and expected financial needs during a Critical Illness. Spouse coverage premium is based on Employee age Child cost is included with employee election. Monthly Premiums Displayed Election Cost Per Age Bracket < 30 30-39 40-49 50-59 60-69 70+ $10,000 Benefit Amount Employee $10,000 Spouse $5,000 Non-tobacco Tobacco Non-tobacco Tobacco $3.90 $5.80 $1.95 $2.90 $6.20 $10.30 $3.10 $5.15 $11.20 $22.30 $5.60 $11.15 $21.80 $50.90 $10.90 $25.45 $37.90 $99.40 $18.95 $49.70 $63.80 $167.50 $31.90 $83.75 EXCLUSIONS AND LIMITATIONS A SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS FOR CRITICAL ILLNESS: We will not pay benefits for the First Occurrence of a Critical Illness if it occurs less than 3 months after the First Occurrence of a related Critical Illness for which this Plan paid benefits. By related we mean either: (a) both Critical Illnesses are contained within the Cancer Related Conditions category; or (b) both Critical Illnesses are contained within the Vascular Conditions category. We will not pay benefits for a Second occurrence (recurrence) of a Critical Illness unless the Covered Person has not exhibited symptoms or received care or treatment for that Critical Illness for at least 12 months in a row prior to the recurrence. For purposes of this exclusion, care or treatment does not include: (1) preventive medications in the absence of disease; and (2) routine scheduled follow-up visits to a Doctor. We do not pay benefits for claims relating to a covered person: taking part in any war or act of war (including service in the armed forces) committing a felony or taking part in any riot or other civil disorder or intentionally injuring themselves or attempting suicide while sane or insane. Employees must be legally working in the United States in order to be eligible for coverage. Underwriting must approve coverage for employees on temporary assignment: (a) exceeding 1 year; or (b) in an area under travel warning by the US Department of State, subject to state specific variations. Guardian’s Critical Illness plan does not provide comprehensive medical coverage. It is a basic or limited benefit and is not intended to cover all medical expenses. It does not provide “basic hospital,” “basic medical,” or “ medical” insurance as defined by the New York State Insurance Department. Health questions are required on late enrollees. This coverage will not be effective until approved by a Guardian underwriter. This policy will not pay for a diagnosis of a listed critical illness that is made before the insured’s Critical Illness effective date with Guardian. The policy has exclusions and limitations that may impact the eligibility for or entitlement to benefits under each covered condition. See your certificate booklet for a full listing of exclusions & limitations.. If Critical Illness insurance premium is paid for on a pre tax basis, the benefit may be taxable. Please contact your tax or legal advisor regarding the tax treatment of your policy benefits.. Contract # GP-1-CI-14 Guardian’s Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides limited benefits health insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Policy Form # GP-1-LAH-12R; GP-1-CI-14 28