For the members of:

International Brotherhood of Electrical Workers Local 1253

PLAN SUMMARY

Group Term Life and Accidental Death Insurance

Active Members:

Ø Death Benefit is $40,000

Ø Accidental Death & Dismemberment is equal your life benefit

Ø Seatbelt Rider pays an additional 10% of your accidental death benefit if wearing a seatbelt at time of accidental death.

Ø Benefit includes a Living Benefit up to 50% of your life benefit if you become terminally ill

*Dependent coverage for Active Members:

Ø Benefit is $4,000 for Spouse, $4,000 for child

Ø For dependent child, coverage begins at 15 days and ends at age 19. Coverage may be extended to age 25 for a child who qualifies as a federal tax exemption.

Retired Members:

Ø Benefit is $20,000

*Dependent coverage for Retired Members:

Ø Benefit is $4,000 for Spouse, $4,000 for child

For dependent child, coverage begins at 15 days and ends at age 19. Coverage may be extended to age 25 for a child who qualifies as a federal tax exemption

*Dependent Coverage terminates upon the death of an active or retired employee

This document is a summary of your plan only. Please refer to your Certificate for Coverage for a detailed description of the benefits and limitations of this plan. In all cases, the Group Policy and Certificate of Coverage will govern the administration of this policy.