The MEGA Life and Health Company Legal Information:

Association Group Insurance Plans (Form # 25875-P, 25876-P or 25877-P, 25311-P or your states variation) and Individual Insurance Plans (Form #25875-IP, 25876-IP or 25877-IP or your states variation) are underwritten by The MEGA Life and Health Insurance Company, Home Office: Oklahoma City, OK.

Optional benefits require additional premium and optional benefit availability will vary by state.

A licensed insurance agent will contact you with complete details of the benefits, the exclusions and the limitations.

Hawaii, Minnesota, New Jersey, New York, North Dakota, South Dakota, and Vermont: This offer not available in your state.

Colorado, Georgia, Kansas, Kentucky, Louisiana, Maine, and Montana: Association membership is not required for access to insurance plans.

Alabama, Alaska, Arizona, Arkansas, California, Connecticut, DC, Delaware, Florida, Iowa, Idaho, Illinois, Indiana, Massachusetts, Maryland, Michigan, Missouri, Mississippi, N. Carolina, Nebraska, New Hampshire, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, S Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, West Virginia, Wyoming: Association membership is required for access to insurance plans.

Washington, New Hampshire, and Massachusetts: You must be part of a small employer group to be eligible for this offer.

Return of Premium Option: Form #25044, or your states variation. Health insurance premiums returned at age 65, less any claims paid to you. Not available in CT, GA, KS, KY, PA, NH, TX and WA.

Dental: Form #25879-P, or your states variation. $50 Deductible per insured per calendar year, $1,000 Calendar Year Maximum per insured, per calendar year. Orthodontia rider (Form #25880) is available ONLY for insured persons under age 19, $50 per month benefit maximum per insured person, $1,000 per insured person lifetime maximum benefit, 12 month waiting period.

Disability Insurance: Form #25915-P, or your state's variation Accident & Sickness Form# 25916-P or your state's variation – Accident – Only Plan not available in all states.

Universal Life Insurance: Cash accumulation is dependent upon premiums paid, interest credited, administrative fees and cost of insurance. Policy may terminate should cash accumulation not be sufficient to cover charges and fees due Consult a tax advisor for your particular situation.

Accident Insurance: Form #25315-P, or your state's variation Accident Medical Expense Plan not available in all states.

A.M. Best and Fitch: A.M. Best and Fitch are independent rating agencies who evaluate and rate insurance companies. Ratings are reviewed and affirmed annually. A.M. Best rating is the 4 th highest of 15 ratings, see www.ambest.com for complete information. Fitch rating is the 3 rd highest of 12 ratings.

Critical Care Plan: Form #25936-P, or your state's variation – Specified Disease/Condition or major organ transplant only.