Your PersonalPlans®

PROTECTIONVALUE

CONVENIENCEProtection. Value. Convenience. They’re the cornerstones of PersonalPlans Voluntary Benefits: high-value group insurance coverageopportunities for you and your family that offer financial protection atsurprisingly affordable group rates.

Think of PersonalPlans as an outstanding one-stop shop where you canpurchase levels of life and accident insurance higher than those your L-3 business unit may offer. PersonalPlans is also the place to buy auto, home and personal property insurance, as well as long-term care insurance, with a level of ease and convenience not readily available outside of L-3.

PersonalPlans lineup includes:

• Group Universal Life (GUL) Insurance • Group Auto and Home Insurance

• Voluntary Accidental Death & • Long-Term Care InsuranceDismemberment (AD&D) Insurance

The Plans are administered by Marsh Voluntary Benefits, a service of Seabury & Smith. With the exception of Voluntary AD&D Insurance, PersonalPlans arenot sponsored by L-3 Communications; L-3 Communications makes themavailable to you through Marsh Voluntary Benefits.

GROUP UNIVERSAL LIFE INSURANCE

Group Universal Life (GUL) Insurance is more than just a plain life insurance plan. Sure, it lets you buy avery substantial sum of life insurance coverage for yourself, and coverage for your spouse and children. But you can also use it to save while earning a guaranteed, tax-deferred rate of interest and having full accessto your money.

Choose life insurance only, or life insurance and the cash accumulation feature. It’s up to you.

GUL Insurance offers:

• Guaranteed coverage amounts for new hires. Enroll within the first 60 days of eligibility and you’reguaranteed coverage for yourself of up to two times your base annual salary (up to $500,000).

• High levels of coverage for yourself, no matter when you enroll. Want more than two times your baseannual salary or $500,000 of coverage, or you aren’t a new employee? Just provide evidence of good healthto MetLife, the Plan’s underwriter and insurer, and you can enroll for up to six times your base annualsalary, up to $2,500,000, at any time.

• Family coverage. Include your family for life insurance coverage and you can choose from $10,000 to$100,000 (or the lesser of two times your base annual salary) for your spouse, and $10,000 or $20,000 foreach eligible child. (Your spouse will need to provide evidence of good health satisfactory to MetLife forcoverage over $20,000.)

• Portability. Leave L-3 for any reason, including disability or retirement, and it’s easy to continue your GUL coverage, as long as the group policy is in effect. (Higher premium rates may apply.)

• Competitive Cash Accumulation Fund interest rate. Earn at least 4% interest on your money each year.

• Access to your Cash Accumulation Fund. Reach for the money in your Cash Accumulation Fundwhenever you need it, through loans and withdrawals. You don’t pay tax on the interest you earn until it’swithdrawn and then, only if you have a gain that’s greater than your total contributions to the Plan (for lifeinsurance and cash accumulation).

• Accelerated death benefit. Receive advance payment of a portion of your life insurance proceeds if you’reterminally ill.

GROUP UNIVERSAL LIFE INSURANCE FINANCIAL PROTECTION FOR YOUR FAMILY + A GREAT SAVINGS OPPORTUNITY

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE PLAN

Accidents happen. So have insurance protection in place when theydo, with the Voluntary Accidental Death & Dismemberment (AD&D)Insurance Plan. The Plan offers 24-hour-a-day coverage for you andyour family for covered accidents occurring at home, at work or onvacation.

Coverage for you. You have a broad range of coverage choices—fromas little as one times to as much as ten times your base annual salary(which is rounded to the next higher $1,000), all the way up to a$1,500,000 maximum benefit. Your beneficiary gets a benefit if youdie; all or a portion of your benefit goes to you if you are severelyinjured in a covered accident.

Coverage for your family. Extend coverage to your family for arelatively low additional cost and each eligible family member will becovered for a percentage of your coverage amount:

• Your spouse will have 60% of your coverage amount, up to a$300,000 maximum benefit.

• Your dependent children will each have 15% of your coverageamount, up to a $50,000 maximum benefit.

Family benefits are paid to you.

Voluntary AD&D Insurance offers these additional benefits:

• Special family coverage. Elect Family coverage and, if you and your enrolled spouse both die within 90 days of the same coveredaccident, your spouse’s coverage will be increased to equal yourcoverage amount. If you die from a covered accident: yourdependents may be eligible for a benefit to cover day care expenses;coverage for all other enrolled family members will continue for upto 12 months at no cost to them; and a benefit may be payable tohelp your enrolled spouse and children with education expenses.

• Waiver of premium. Become disabled and your coverage willcontinue at no cost to you or L-3 Communications if you’re receivingbenefits from an L-3 Communications-sponsored long termdisability plan.

• Seat belt/airbag benefit. If you (or an enrolled dependent) die in acovered automobile accident while wearing a seat belt or using anairbag, the Plan will pay an additional benefit.

• Emergency evacuation coverage. If you (or an enrolled dependent)become injured in a covered accident or have a covered emergencysickness more than 100 miles from where you live, the Plan will pay for medically necessary emergency evacuation service. Certainlimits apply.

VOLUNTARY AD&D INSURANCE INSURANCE PROTECTION WHEN ACCIDENTS HAPPEN

Voluntary AD&D coverage is underwritten by American International Life Assurance Company of New York, a member of the AIG Companies, with its principal place of business in New York, NY.Coverage may not be available in all states. This is only a brief description of the coverage available. The policy contains exclusions, limitations, reductions, and termination provisions.

It’s hard for most of us to imagine being unable to dress, feed or carefor ourselves. But it happens at some point in many people’s lives—and not just to those who are elderly. Imagine for a moment thatyou’re ill or injured and you can’t do the basic, routine things you takefor granted. If you need help every day—even for a few weeks ormonths—can you afford to exhaust your savings to pay for it?

Long-Term Care (LTC) Insurance can help you afford daily care if anaccident, illness or advancing age makes it too difficult for you to carefor yourself. Having coverage is about smart, long-range planning—preparing now for expenses you may face 10, 20 or even 30 years downthe road.

LTC Insurance provides benefit payments for:

• Home care • Assisted living facility care

• Nursing home care • Home care services and

• In-patient hospice care • Respite services.

The Plan offers:

• Guaranteed coverage for you (that is, evidence of good health is notrequired) if you enroll within the first 60 days you’re eligible forcoverage, regardless of your age or current health

• A daily benefit option from $100 to $300 per day, in $50 increments

• Coverage for your extended family—your spouse, children (over age 18), parents, parents-in-law, grandparents and grandparents-in-law (subject to evidence of good health satisfactory to MetLife)

• Inflation protection options

• Guaranteed return of all your premium payments (less benefitspaid) if you die before age 70

• Full portability—you can continue your policy if you leave L-3.

LONG-TERM CAREINSURANCE

LONG-TERM CARE INSURANCE ENSURING FINANCIAL ASSETS FOR SELF-CARE ASSISTANCE

FOR MORE INFORMATION ABOUT PERSONALPLANS VOLUNTARY BENEFITS You’ll receive more information about PersonalPlans Voluntary Benefits automatically from Marsh Voluntary Benefits if you’re newly eligible for program coverage and your business unit’s benefits are administered by L-3’s Shared Services. For more information or questions about coverage, regardless of how your business unit administers its benefits, visit PersonalPlans website (www.personal-plans.com/L3) or callMarsh Voluntary Benefits Customer Service (800-642-5722). The website is available 24/7; Marsh representatives are available from 8 a.m. to 5 p.m.Central Time, Monday–Friday, except holidays.

GO ONLINE OR CALL TODAY!

WWW.PERSONAL-PLANS.COM/L3

800-642-5722

Choose between coverage offered by MetLife or Travelers, which together provide over 60 years of experience in the world of auto/home andpersonal property insurance.

You have everything to gain and nothing to lose by at least comparison shopping for the best coverage and rates. Just call Marsh Voluntary Benefitsfor a personalized rate quote.

Feel like you’re paying more than you should for auto, home and other personal property insurance? Who doesn’t. So, check the special group-discount rates available through the Group Auto and Home Insurance program. You may save money in ways youdidn’t think possible, like if you own a car with anti-lock brakes,airbags, traction control or other safety features, or if you cover your car and your home through the program. In fact, if youenroll in the GUL Insurance Plan and MetLife Group Auto andHome Insurance coverage, you’ll save 5% on the cost of your MetLifeGroup Auto and Home Insurance coverage. Plus, there’s the ease ofpaying all your premiums through one payroll deduction (available formost, but not all, L-3 business units).

The program offers access to special group rates and discounts(available in most states to those who qualify) for the followingcoverage:

• Auto • Recreational vehicle

• Motorcycle • Boat

• Home/condo • Flood

• Mobile/motor home

• Renters

GROUP AUTO AND HOME INSURANCE

GROUP AUTO AND HOME INSURANCEPERSONAL PROPERTY INSURANCE AT GREAT GROUP RATES

• Personal excess liability (alsoknown as “umbrella” coverage).

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