U.S. men have slightly less than a 1 in 2 risk of developing cancer; for women, the risk is a little more than 1 in 3. - American Cancer Society

Critical illness voluntary coverage pays benefits however you want With our critical illness plan, you'll receive a benefit after a serious illness or a condition such as a heart attack, stroke, or coronary artery disease is diagnosed. During your recovery, you and your loved ones can rest a little easier knowing you won't have to deplete your bank accounts or take on additional debt to cover day-to-day living expenses.

Why do I need critical illness coverage? These plans can assist you with a variety of expenses so you can focus on getting better. You can spend the benefits however you want, on direct or indirect costs associated with the illness:

• Make your mortgage payments

• Hire extra help for around the house, such as in-home caregivers

• Help cover medical bills as well as therapy and training

• Pay for travel to treatment facilities away from home - and for family visits

In addition to the physical and emotional effects, people who are diagnosed with a serious condition may see a costly impact on their expenses. You may need additional help to absorb the expense of paying for drugs and other direct and indirect costs associated with these diseases.

Here's how it works All benefit payments are made directly to you in most cases, placing you in control at a time when you may feel that your options are limited. Some or all of the benefit is available to you after your initial diagnosis, so it's there when you need it most. You'll save on your premiums because coverage through your employer typically is less expensive than purchasing on your own. And you can pay premiums through automatic payroll deduction. You can continue the coverage even if you change employers.

Act now You've probably taken some steps to protect your assets and future financial stability with a health plan, life insurance, savings, etc. Take an additional step to round out your coverage and help you and your loved ones in the event of an unexpected critical illness.

ManhattanLife Critical Illness

Kansas Kansas City Kansas USD #500

ManhattanLife Critical Illness offers benefits for vascular coverage (heart attack, stroke, coronary artery bypass surgery) and other critical illnesses (end-stage renal failure, coma, transplant other than heart). All benefit payments are made directly to you, and are payable in addition to any other coverage you have. During your recovery, you and your loved ones can rest a little easier knowing you won't have to rely solely on your savings accounts or take on additional debt to cover day-to-day living expenses.

Coverage type Voluntary Critical Illness insurance is a group policy form that includes coverage for heart/stroke and other critical illnesses.

Benefit amount Benefit amounts are available at various levels. You can choose: • $5,000 to $30,000 for employees

You can also add coverage for your dependents:• Spouse: $2,500 to $15,000. Spouse coverage benefit is equal

to exactly half of the employee's coverage• Child: $2,500 to $5,000 for each eligible child. Child coverage

benefit is equal to exactly half of the employee's coverage toa maximum of $5,000.

Coverage for vascular conditions Percent of benefit amount paid at initial diagnosis: • Heart attack 100% • Transplant as a result of heart failure 100% • Stroke 100% • Coronary artery bypass surgery as a result

of coronary artery disease 25%

Coverage for other critical illnesses Percent of benefit amount paid at initial diagnosis: • Transplant, other than heart 100% • End-stage renal failure 100% • Loss of sight, speech, or hearing 100% • Coma 100% • Severe burns 100% • Permanent paralysis due to an accident 100% • Occupational HIV 100%

This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the Workplace Voluntary Benefit products at disclosure.manhattanlife.com. Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. THIS POLICY PROVIDES LIMITED BENEFITS.

Policy: 8011 Underwritten by ManhattanLife Assurance Company of America.

1-800-327-9728 I www.manhattanlife.com

ManhattanLife Critical Illness

Kansas Kansas City Kansas USD #500

Additional included benefits Waiver of premium for disability: This waives an employee's premium if he or she becomes totally disabled for at least 180 days after the effective date of coverage. For employees ages 18-55.

Benefit recurrence: This provides an additional benefit for thesame condition if a covered participant is treatment-free for atleast 12 months.

Wellness screening: Pays a cash benefit when a member hasone or more of the 21 covered screening tests. This screeningbenefit is payable once per covered person per calendar year.

Coverage is same for all insureds on the certificate$50

Portability Portable after six months of continuous coverage if group master policy remains in force and the insured is less than age 70. Participants may continue coverage by paying premiums on a direct billing method. • All ported certificates will be subject to any rate increases on

the Employer's Master Policy.

Pre-existing provision Waived

Additional plan information Spouse includes domestic partners where allowed by state and employer.

This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the Workplace Voluntary Benefit products at disclosure.manhattanlife.com. Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. THIS POLICY PROVIDES LIMITED BENEFITS.

Policy: 8011 Underwritten by ManhattanLife Assurance Company of America.

1-800-327-9728 I www.manhattanlife.com

ManhattanLife Critical Illness

ManhattanLife Critical Illness Rates

Kansas Kansas City Kansas USD #500

Critical Illness Rates

Displaying Monthly payroll deductions including Benefit Recurrence and $50 Wellness Screening benefit.

Attained Age Employee - NTU Employee - TU BENEFIT: $10,000 $20,000 $30,000 $10,000 $20,000 $30,000 18-25 $4.58 $7.91 $11.24 $6.38 $11.50 $16.63 26-30 $4.93 $8.62 $12.29 $6.87 $12.51 $18.13 31-35 $5.34 $9.43 $13.52 $8.76 $16.26 $23.77 36-40 $5.71 $10.18 $14.64 $10.98 $20.69 $30.42 41-45 $9.31 $17.37 $25.42 $17.15 $33.04 $48.94 46-50 $11.80 $22.35 $32.90 $19.50 $37.75 $56.00 51-55 $15.16 $29.08 $42.99 $26.56 $51.86 $77.17 56-60 $18.92 $36.58 $54.24 $32.95 $64.64 $96.34 61-65 $28.87 $56.50 $84.12 $51.68 $102.11 $152.54 66-70 $46.80 $92.35 $137.90 $77.67 $154.08 $230.50 71-75 $53.97 $106.70 $159.42 $92.02 $182.80 $273.56 76+ $65.08 $128.91 $192.73 $113.57 $225.89 $338.21

Attained Age Employee & Spouse - NTU Employee & Spouse - TU BENEFIT: $10,000 $20,000 $30,000 $10,000 $20,000 $30,000 18-25 $6.65 $11.64 $16.64 $9.34 $17.03 $24.72 26-30 $7.17 $12.70 $18.21 $10.09 $18.53 $26.97 31-35 $7.78 $13.92 $20.05 $12.91 $24.17 $35.42 36-40 $8.34 $15.04 $21.73 $16.24 $30.82 $45.41 41-45 $13.74 $25.83 $37.91 $25.50 $49.34 $73.18 46-50 $17.48 $33.30 $49.12 $29.03 $56.40 $83.78 51-55 $22.52 $43.39 $64.26 $39.61 $77.57 $115.53 56-60 $28.15 $54.65 $81.14 $49.20 $96.74 $144.29 61-65 $43.08 $84.52 $125.96 $77.29 $152.94 $228.59 66-70 $69.98 $138.30 $206.63 $116.27 $230.90 $345.52 71-75 $80.73 $159.82 $238.91 $137.81 $273.97 $410.12 76+ $97.39 $193.14 $288.87 $170.13 $338.61 $507.09

*Spouse Amount at 50% of Employee Amount.

Attained Age Employee & Children - NTU Employee & Children - TU BENEFIT: $10,000 $20,000 $30,000 $10,000 $20,000 $30,000 18-25 $5.60 $8.93 $12.26 $7.40 $12.52 $17.65 26-30 $5.95 $9.64 $13.31 $7.89 $13.53 $19.15 31-35 $6.36 $10.45 $14.54 $9.78 $17.28 $24.79 36-40 $6.73 $11.20 $15.66 $12.00 $21.71 $31.44 41-45 $10.33 $18.39 $26.44 $18.17 $34.06 $49.96 46-50 $12.82 $23.37 $33.92 $20.52 $38.77 $57.02 51-55 $16.18 $30.10 $44.01 $27.58 $52.88 $78.19 56-60 $19.94 $37.60 $55.26 $33.97 $65.66 $97.36 61-65 $29.89 $57.52 $85.14 $52.70 $103.13 $153.56 66-70 $47.82 $93.37 $138.92 $78.69 $155.10 $231.52 71-75 $54.99 $107.72 $160.44 $93.04 $183.82 $274.58 76+ $66.10 $129.93 $193.75 $114.59 $226.91 $339.23

*Child Amount at 50% of Employee Amount, capped at $5000.

Attained Age Family - NTU Family - TU BENEFIT: $10,000 $20,000 $30,000 $10,000 $20,000 $30,000 18-25 $7.67 $12.66 $17.66 $10.36 $18.05 $25.74 26-30 $8.19 $13.72 $19.23 $11.11 $19.55 $27.99 31-35 $8.80 $14.94 $21.07 $13.93 $25.19 $36.44 36-40 $9.36 $16.06 $22.75 $17.26 $31.84 $46.43 41-45 $14.76 $26.85 $38.93 $26.52 $50.36 $74.20 46-50 $18.50 $34.32 $50.14 $30.05 $57.42 $84.80 51-55 $23.54 $44.41 $65.28 $40.63 $78.59 $116.55 56-60 $29.17 $55.67 $82.16 $50.22 $97.76 $145.31 61-65 $44.10 $85.54 $126.98 $78.31 $153.96 $229.61 66-70 $71.00 $139.32 $207.65 $117.29 $231.92 $346.54 71-75 $81.75 $160.84 $239.93 $138.83 $274.99 $411.14 76+ $98.41 $194.16 $289.89 $171.15 $339.63 $508.11

*Spouse Amount at 50% of Employee Amount. Child Amount at 50% of Employee Amount, capped at $5000.

NTU: Non-tobacco user; TU: Tobacco user

1-800-327-9728 | www.manhattanlife.com

Policy: 8011 Underwritten by ManhattanLife Assurance Company of Amreica.