This is an overview of Colonials Voluntary Supplemental Products.

1. Portfolio of Personal
Insurance Products
Make Your
Choices Count
Having Options is Important
Each individual’s lifestyle and needs are different from the next person’s. Personal
insurance products from Colonial Life offer a broad range of benefit options for
employers and employees, and many can help combat the rising costs of health care.
Our Portfolio of Personal Insurance Products
Disability Life Accident Specified Disease Supplemental Limited Benefit
Insurance Insurance Insurance Insurance Health Insurance Medical Plan
Short-Term Disability Universal Life Accident Cancer Hospital Confinement Colonial Health
Indemnity Advantage
• Disability 1000 • ChoicePlus • Accident Care/ • Cancer 1000 SM
Public Sector • MedicalBridge 3000
• DisabilitySelect • Group Cancer 1000
Term Life
SM
Accident Care • Group Supplemental
• Banner VSTD Critical Illness
• Term Life 1000 Health 1000
• Group Term • Critical Illness
Life (VGTL) • Group Critical
Illness 1000
Whole Life
• LifeBridge
Disability Insurance Life Insurance
Short-Term Disability Universal Life
• •
Disability 1000 – An individual supplemental short-term ChoicePlus – A cash-value life insurance product with
disability income product that replaces a portion of flexible premiums and an adjustable death benefit.
income if someone becomes disabled due to a covered Flexibility allows an employee to adapt to changing
accident or covered sickness. There are plans that cover needs by varying face amounts and premiums.
on- and off-job or off-job accidents/sicknesses and a
Term Life
wide choice of benefit periods and elimination periods.
•Term Life 1000 – An individual term life insurance
This product features total and partial disability,
product that offers 3 level term options (10, 20 and 30
portability, worldwide coverage and waiver of premium.
year), level death benefits, family coverage, guaranteed
In California, benefits are provided under the California Disability
rates and is guaranteed renewable to age 95,
and AD&D plan.
• convertible to age 75.
DisabilitySelect – A group accident/sickness short-term
•VGTL – A voluntary group term life insurance product
disability insurance product with published rates
with flexible benefit designs. Offers guaranteed issue at
that offers a range of disability benefit periods and
initial enrollment with group rates.
elimination periods. This product features low
participation requirements, guaranteed issue, Whole Life
on- and off-job and off-job accidents/sicknesses.
•
LifeBridge – A payroll deduction whole life insurance
Premiums do not increase because an insured
plan that provides guaranteed level premiums,
moves into a new age band.
• guaranteed cash values and a guaranteed death
Banner VSTD – A census-rated group short-term benefit.
disability insurance product that offers weekly benefits
up to 60% of income. Features include “own”
occupation definition of disability, waiver of premium, Products have exclusions and limitations that may affect benefits payable. Products
may vary by state and may not be available in all states. See your representative for
total and partial disability benefits, and complete details.
two-year rate guarantee.

2. Accident Insurance Supplemental Health Insurance
Accident/Public Sector Accident Hospital Confinement Indemnity
• •
Accident Care – A composite-rated, guaranteed MedicalBridge 3000 – An individual hospital
SM
renewable accident product that provides indemnity confinement indemnity plan which complements your
benefits for on- and off-the-job, or off-job-only core medical coverage offering benefits for hospital
accidents. Stand-alone coverage for employee, spouse confinement, wellness, rehabilitation unit
and dependent child may be purchased. Features confinement, outpatient surgical procedures,
include the same benefits for employee, spouse and diagnostic testing and doctor’s office visits. An HSA-
dependent child, worldwide coverage and portability. compliant plan is available.
Optional riders, such as disability income, are available In some states, older versions of the product will be used.
at an additional cost.
• Group Supplemental Health 1000 – A group hospital
In California, benefits are provided under California Care.
confinement indemnity policy that is ideal for
supplementing primary health insurance coverage.
Provides a pre-determined, daily benefit amount for
Cancer and Critical Illness Insurance unbudgeted expenses that arise due to a hospital
confinement.
Cancer
•Cancer 1000 – A guaranteed renewable, individual
cancer product that helps pay some of the direct and
Limited Benefit Medical Plan
indirect costs related to cancer diagnosis and
•
treatment. This product offers several levels of Colonial Health Advantage – A limited group health
SM
coverage to provide maximum flexibility. Benefits help insurance product for non-catastrophic medical
with the costs associated with treatment such as bone expenses. For employers who are unable to offer
marrow transplants, travel expenses, surgical major medical coverage to their employees, it offers
procedures and supportive- or protective-care drugs. limited benefits to help employees with health care
• costs such as doctor’s office visits, diagnostic tests,
Group Cancer 1000 – A group indemnity policy that
prescriptions, surgery and hospital confinement.
combines the features of an individual product, such as
benefit flexibility, published rates and lack of Colonial Health Advantage, a Group Limited Hospital
integration, with features of a group product such as Confinement Indemnity Insurance Coverage, is a
guaranteed issue and simpler enrollment methods. limited benefit medical plan and is not designed to
Helps pay some of the direct and indirect costs related replace major medical coverage. In GA and TX, this
to cancer diagnosis and treatment. product is a Hospital Confinement Indemnity Plan.
Critical Illness
• Critical Illness – An individual, guaranteed renewable
critical illness product that provides lump-sum
benefits for specific illnesses. Coverage can be
purchased alone or with optional cancer benefit,
allowing greater flexibility in choosing whether a
Colonial Life’s coverages share important
traditional cancer plan is needed.
• features:
Group Critical Illness 1000 – A group specified-
disease policy that combines features of an individual
• Coverage is available to spouses and dependent
product, such as benefit flexibility, published rates and
children with most products.
lack of integration, with features of a group product
such as guaranteed issue and simpler enrollment
• Benefits are paid directly to you, unless you specify
methods. Provides lump-sum indemnity benefits for
otherwise.
specified critical illnesses.
• With most plans, you can continue coverage with
no increase in premiums when you retire or change
jobs.
Colonial Life
1200 Colonial Life Boulevard
• With most plans, you receive benefits regardless of
Columbia, South Carolina 29210
any other insurance you may have with other
coloniallife.com
insurance companies.
Colonial Life products are underwritten by Colonial Life & Accident
Insurance Company, for which Colonial Life is the marketing brand.
• Premiums are payroll deducted.
53904-21
03/08