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• Death benefits up to $250,000 (lower amounts for children)
• Cash value that builds while you have the policy (with a minimum interest rate of 4% per year)
• Home health care and long term care benefits paid monthly as an accelerated death benefit
• Optional features you can choose for extra coverage

Who Can Be Covered
You may choose coverage for yourself, your spouse, your children and even your grandchildren. You may enroll your dependents even if you are not covered.

Special Features
There are many unique features about this coverage:

• Your rates are set when you enroll, unless you decide to change coverage
• You can use the policy’s cash value during your lifetime
• You can receive a portion of the death benefit early in case of a terminal illness or medically necessary care at home or in a long term care facility
• You can buy optional features that would automatically increase your coverage every year, double your death benefit in the event of accidental death, waive premiums while you are disabled, or extend the time that home heath care and long term care monthly benefits can be paid. Each option is available separately.

Enrolling for Coverage
You can enroll for coverage after you have completed 3 months of service as an eligible full-time employee, or 12 months of service as an eligible part-time employee.

Employees can apply for coverage from August 1st to August 18th 2006. New hires and employees that do not elect coverage during this enrollment period will have an opportunity to enroll the following August 2007 during the voluntary benefit annual enrollment period. With respect to the effective date, employees that enroll from August 1st to August 18th 200 6 will have an official policy effective date as of October 1, 2006, however the insurance provider (Trustmark) will provide coverage from the employee's application date if the application is approved by Trustmark. For example, an employee that applies for coverage on August 3rd and is subsequently approved for coverage by Trustmark will have their coverage effective the date of application (August 3rd), however, their policy effective date will be October 1, 2006 for things such as annual notices, ez value increases, etc.

Universal Life Insurance is underwritten by Trustmark Insurance Company, Lake Forest, Illinois. For complete details of coverage including exclusions and limitations, refer to Plan GUL-899 and HH./LTC Rider and Rider Form GUL-BRR/EOB.1099 for your state.

A Universal Life Insurance Advantage…
Cash Value
that builds over time

All life insurance offers death benefits.

Voluntary Universal Life Insurance coverage also offers you a way to build cash value (like a savings account) to use during your lifetime.