Underwritten by Minnesota Life Insurance Company The Texas

Underwritten by Minnesota Life Insurance Company The Texas A&M University System Group Term Life and AD&D Insurance

Securian Financial Group, Inc. • Administrator of term life and AD&D insurance – Minnesota Life, an affiliate of Securian Financial Group, Inc. • New brand – same familiar benefits • No changes for 2016 • No action is required • Good time to consider your needs 2

Quick Overview Coverages available to you, your spouse and children Retirement coverages What happens to my coverages if I leave? Life. Suite Services

Basic Insurance (for those enrolled in A&M System health plan) Life: $7, 500 AD&D: $5, 000 Dependent Life: $5, 000 for each eligible child Automatically covered by employer 4

Alternate Basic Life Insurance (ABL) (for those with health coverage outside the A&M System health plan) Life: the lesser of $50, 000 or 7 x annual salary AD&D: $5, 000 Dependent Life: $5, 000 for each eligible child You can enroll and pay for ABL (Life & AD&D only) 5

Basic Life Insurance (for those with no health coverage) Life: $7, 500 AD&D: $5, 000 Dependent Life: $5, 000 for each eligible child You can enroll and pay for Basic Life coverage 6

Optional Term Life Insurance ½, 1, 2, 3, 4, 5 or 6 times your annualized salary Max Coverage: $1, 000 EOI required for any changes Not available to employees enrolled in ABL 7

Dependent Term Life Insurance – Option A Enrolled Spouse $25, 000, $50, 000, $75, 000, $100, 000, $150, 000 or $200, 000 Enrolled Children $10, 000 Option A is only available to current Optional Life participants 8

Dependent Term Life Insurance – Option B Enrolled Spouse and Children Matching AD&D: $5, 000 Life: $5, 000 Option B is available to Basic Life, ABL or Optional Life participants 9

Dependent Term Life Insurance – Option C Enrolled Spouse Life: 50% of employee’s ABL coverage Enrolled Children Life: 10% of employee’s ABL coverage Option C is only available to current ABL participants 10

Dependent Term Life Insurance – Additional Information Spouse Children Coverage cannot exceed 100% of employee’s Optional Life Only one child may be covered by one parent EOI required for any changes Children are eligible from live birth to 26 Additional information applies to Options A, B and C 11 All elections guaranteed

Optional Accidental Death & Dismemberment (AD&D) Insurance Employee Plan Employees whose annual salary is less than or equal to $25, 000 Employees whose annual salary is greater than $25, 000 Elect in $10, 000 increments up to $250, 000 Elect 1 -10 x annual salary up to $800, 000 12

Optional Accidental Death & Dismemberment (AD&D) Insurance Employee + Family Plan Spouse (w/children): 50% of employee’s election 13 Spouse (no children): 60% of employees election Each child (w/spouse): 10% of employee’s election Each child (no spouse): 15% of employee’s election (Maximum: $25, 000)

Evidence of Insurability (EOI) Medical Underwriting Short health questionnaire 14 Call to gather additional information Paramedical exam may be required Coverage effective the later of 9/1 or upon approval

Retirement Basic Life Optional Life and Dependent Life (rates are the same as actives) Coverage remains the same Under 70: $100, 000 Optional AD&D Rates are higher than active employees Age 70: $60, 000 Age 80: $30, 000 Spouse coverage reduces with retiree’s changes Child coverage remains at $10, 000 Maximum coverage reduces at retirement 15 Retirees may apply for coverage (Additional Optional Life requires EOI)

Continuing Coverage 16 Portability Conversion • No EOI required • Premiums may be higher than active employees • Basic coverage is not portable • 31 days • Port coverage continues to age 70 • No EOI required • Convert coverage to an individual policy • Premiums may be higher than active and ported coverages • 31 days

Life. Suite Services To meet YOUR LIFE NEEDS Life happens. When it does – turn to your Life. Suite services. These services are designed to help you in times of need and are only a click or a call away.

Legal, Financial and Grief Access one or all to meet your needs: • Unlimited telephonic guidance and consultation with professionals in each area • Comprehensive web and mobile resources • Thirty-minute face-to-face consultation with an attorney for each unique legal issue

Travel Assistance Available 24/7/365 for personal or business travel when 100+ miles from home: • Medical professional locator services • Assistance replacing lost or stolen luggage, medication, or other critical items • Medical or security evacuation • Medically necessary repatriation • Repatriation of mortal remains

Legacy Planning Access to a variety of information and resources to work through end-of-life issues: • • End-of-life planning Final arrangements Important directives Express Assignment™ for expedited funeral home assignments

Beneficiary Financial Counseling Helping beneficiaries make sound financial decisions at a difficult time: • Beneficiary reference guide • Access to a financial counseling website for 12 months • Financial Fitness assessment • Step-by-step assistance in completing a personalized financial plan 21

22 The legal, financial and grief services are provided by Ceridian HCM, Inc. The services are not affiliated with Minnesota Life, Securian Life or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services. The travel assistance services are provided by Redpoint. WTP LLC. The services are not affiliated with Minnesota Life, Securian Life or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services. Services provided by Pricewaterhouse. Coopers LLP are their sole responsibility. The services are not affiliated with Minnesota Life, Securian Life or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services. Neither Pw. C nor its employees are involved in the sale or endorsement of investment or insurance products. This is a summary of plan provisions related to the insurance policy issued by Minnesota Life to Texas A&M. . In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations and terms of coverage. Insurance products are underwritten by Minnesota Life Insurance Company, an affiliate of Securian Financial Group, Inc. This product is offered under policy form series MHC-9613181. 42 and 02 -30429. 42. Securian Financial Group, Inc. 400 Robert Street North, St. Paul, MN 55101 -2098 © 2016 Securian Financial Group, Inc. All rights reserved. DOFU 7 -2016 54576 Group Insurance www. Life. Benefits. com