For more than 60 years, Aflac has been dedicated to helping provide individuals and families peace of mind and financial security when they’ve needed it most. The Aflac Group Whole Life plan is just another innovative way to help make sure you’re well protected under our wing.

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

Continental American Insurance Company • Columbia, South Carolina

This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

AGC2002727          EXP 11/21

You can enroll if you:

• Are a regular employee working at least 16 hours per week
• Are actively at work on both the date the enrollment form is signed and the effective date of coverage
• Are a U.S. citizen or U.S. permanent resident

If you enroll, you can also enroll these family members:

• Your legal spouse
• Your dependent children or those of your spouse, up to age 26

When you leave or retire from your current employer or transfer to contingent status, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods. You will be billed directly for your cost of coverage at portable rates. Portable rates may be higher.

Coverage is effective the 1st of the month following 30 days of employment.

At certain times you may be allowed to enroll in the Group Universal Life plan by not completing as many questions. These times include:

• Within 30 days of your initial eligibility date
• During special enrollment periods as offered by your employer and the insurance provider
• Within 30 days of a qualifying life event

Additional benefits include:

• Accelerated Benefit Rider (employee and spouse only): payable when the insured is diagnosed with one or more Qualifying Events.
• Accidental Death Benefit Rider (employee and spouse only): provides an additional benefit equal to the insured's face amount if the insured dies within 90 days of direct accidental bodily injuries.
• Waiver of Premium Benefit Rider (employee only): waives entire premium amount for employee coverage after the insured has been totally disabled due to bodily injury or disease for 4 consecutive months and continues throughout the duration of the disability. Any recurrence of a prior disability will be covered, provided the prior disability continued for at least 6 consecutive months, began within 30 days of recovery, and was due to the same or related causes.