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Every 10 minutes, nearly 750 Americans suffer an injury severe enough to seek medical help.National Safety Council, “Injury Facts” (2016).

Accidents can happen anytime, anywhere

The economic impact of unintentional injuries is about $6,900 per household (whether directly out of pocket, through higher prices for goods and services or through higher taxes).National Safety Council, “Injury Facts” (2016).

Accidents are usually followed by a series of bills. Even if you have good insurance, you may still have to cover out-of-pocket costs, such as:� Doctor bills

� Ambulance fees

� Hospital expenses

If you suffer from a fracture, dislocation or other covered accidental injury, accident insurance can help offset unexpected medical expenses, such as emergency room fees, deductibles and co-payments.Coverage options are available for you, your spouse and your dependent children.

Talk with your Colonial Life benefits counselor to learn how accident insurance can help protect what you’ve worked so hard to build.

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Cancer can affect more than just your health

Hopefully, you and your family will never face cancer. If you do, Colonial Life’s cancer insurance can help you and your loved ones with:

� Loss of income � Out-of-network treatment � Lodging and meals

� Child care

If you’re diagnosed with cancer, this coverage can help you focus less on your finances and more on what matters most – recovery.

Talk with your Colonial Life benefits counselor to learn more about cancer insurance and how it can help protect what you’ve worked so hard to build.

American Cancer Society, Cancer Facts & Figures, 2015

LIFETIME RISK OF DEVELOPING CANCER

MEN1 in 2

WOMEN1 in 3

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©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

Cancer can affect more than just your health

Hopefully, you and your family will never face cancer. If you do, Colonial Life’s cancer insurance can help you and your loved ones with:

� Loss of income � Out-of-network treatment � Lodging and meals

� Child care

If you’re diagnosed with cancer, this coverage can help you focus less on your finances and more on what matters most – recovery.

Talk with your Colonial Life benefits counselor to learn more about cancer insurance and how it can help protect what you’ve worked so hard to build.

American Cancer Society, Cancer Facts & Figures, 2015

LIFETIME RISK OF DEVELOPING CANCER

MEN1 in 2

WOMEN1 in 3

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©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

Brushing and flossing are easy ways to protect your smile, but they’re not always enough on their own. When you have to see a dentist, dental insurance can make potentially expensive procedures more affordable.

The benefits of dental coverageWhile most health insurance plans don’t cover dental procedures, dental insurance can provide you and your family with benefits for routine and unexpected dental visits. It can help you pay for procedures such as:

Help protect your smile — and your budget85% of U.S. adults have had at least

one tooth affected by decay by age 34.

National Institute of Dental and Craniofacial Research, Dental Caries (Tooth Decay) in Adults (Age 20 to 64), 2014

Professional cleanings are the only way to remove tartar, which leads to gum disease and tooth decay.

American Dental Association, ADA.org, MouthHealthy: Plaque, 2014

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� Cleanings � Fillings � Sealants

� Tooth removal � Crowns � Dentures

Talk with your Colonial Life benefits counselor to learn more about dental insurance.

Regular dental appointments can also help you maintain better overall health. They may help your dentist diagnose oral health problems early, when treatment is likely to be simpler and more affordable. They may also help your dentist detect other serious health conditions, such as diabetes and heart disease.

With dental insurance, you can help protect both your health and your budget. And that’s something to smile about.

Disabling illnesses and injuries are more common than most of us realize.

If you’re out of work for weeks or months without an income, how would you pay your regular expenses? Disability insurance from Colonial Life could provide the security you need.

What you may not know about disability insurance

More than 1 in 4 of today’s 20-year-olds will become

disabled before age 67.1

Not all safety nets are reliable � Most injuries are not work-related, and therefore are not

covered by workers’ compensation.2

� The average Social Security Disability Insurance benefit for disabled workers is $1,165 a month and is reserved for eligible disabilities expected to last at least a year or result in death.3

� The Family and Medical Leave Act provides sick and family leave, but that time may end up not qualifying for payment.

67% of Americans would find it somewhat or very difficult to meet current financial obligations if their paychecks were delayed by one week.5

More than 50% of households would struggle to “make ends meet” following a $2,000 unexpected expense – even six months after the event.4

Would you be prepared?

67%

50%

In just one year, the average family will incur more than $4,000 in out-of-pocket medical costs.

Milliman Medical Index, 2015

You may have health insurance, but are you really covered?

Over the last five years, the percentage of covered workers with a deductible of $1,000 or more for single coverage has increased from 27% to 46%.

Kaiser Employer Health Benefits Survey, 2015

Health insurance may cover:� Hospital fees

� Outpatient surgery

� Office visits/ER costs

� Prescriptions

It may not cover:� Deductibles

� Co-payments

� Coinsurance

Hospital confinement indemnity insurance can provide coverage for hospital confinement or outpatient surgery. It can assist with costs that medical plans may not cover.

Talk with your Colonial Life benefits counselor to learn how you can help protect what you’ve worked so hard to build.

©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

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Help protect the people who depend on you

What if something unexpected happened to you today or tomorrow? Would your family have the funds they need to:

� Pay final expenses, such as funeral costs and medical bills?

� Pay off debt, such as credit cards and car loans?

� Pay off the mortgage so they can remain in the family home?

� Replace your lost income they depend on for everyday living expenses?

� Provide college tuition for your children?

Talk with your Colonial Life benefits counselor to learn how

life insurance can help protect what you’ve worked so hard to build.

ColonialLife.com

LIFE INSURANCE

[ 25% say they do not have enough life insurance ]

40%Americans without

life insurance

LIMRA, 2016 Insurance Barometer Study (2016)

The facts about critical illnesses

You never know when you or someone you care for may be affected by a critical illness. The good news is that more people are surviving thanks to improved treatment options and lifestyle changes.

Learn the facts so that if you or your loved ones experience a critical illness, you can fight back financially during recovery.

Common critical illnesses Critical illnesses may include conditions such as heart attack, stroke, major organ failure and cancer.

� 85% of heart attack victims survive.1

� Stroke is a leading cause of serious long-term disability.2

� Every 10 minutes, someone is added to the organ donation waiting list.3

� More than 10% of adults in the United States may have chronic kidney disease.4

� 5-10% of all cancers are hereditary.5

Risk factorsFortunately, we know more about what causes many critical illnesses, and many Americans are more conscious about their health.

� Heredity is just one stroke risk factor; others include age, gender, ethnicity and even some medical conditions.6

� Diabetes and hypertension are the leading causes of kidney failure.4

� 80% of premature heart disease, stroke and diabetes can be prevented.7

CRITICAL ILLNESS INSURANCE

Heart disease strikes someone in the U.S. about

once every 42 seconds.

Every 40 seconds, someone will have a stroke.

� high blood pressure � high cholesterol � smoking

are major risk factors of stroke.

Texas Heart Institute, “Stroke Risk Factors” (July 2015).

American Heart Association, “Heart Disease and Stroke Statistics — 2016 Update: A Report from the American

Heart Association,” Circulation (2016).

Are you at risk?