K L M N Basic, including Basic,

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Page 1

Companion Life Insurance Company

Administrative Office PO Box 14158 Clearwater, Florida 33766-4158 (888) 220-0466 Outline of Medicare Supplement Coverage – Cover Page

Benefit Plans A, F and G - See Outlines of Coverage sections for details about ALL plans

This chart shows the benefits included in each of the standard Medicare supplement plans. Every company must make Plan “A” available. Some plans may not be available in your state. Plans E, H, I and J are no longer available for sale.

Basic Benefits:

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses), or copayment for hospital outpatient services. Plans K, L and N require insured to pay a portion of Part B coinsurance or copayments.

Blood: First three pints of blood each year.

Hospice: Part A coinsurance.

A B C D F F* G

Basic, including 100% Part B Co-Insurance

Skilled

Nursing Facility Co-Insurance

Skilled Nursing

Facility Co-Insurance

Skilled Nursing

Part A

Deductible Part A

Deductible Part A Deductible

Part B

Deductible Part B

Deductible Part B Excess (100%)

Part B Excess (100%)

Foreign

Travel Emergency

Foreign Travel Emergency

K L M N Basic, including

100% Part B Co- Insurance; other

basic benefits paid at 50%

Basic, including 100% Part B Co- Insurance; other basic benefits

paid at 75%

Basic, Including 100%

Part B Co- Insurance

Basic, including 100%Part B Co-Insurance, except up to $20

copayment for office visit, and

up to $50 copayment for ER 50% Skilled

Nursing Facility Co-Insurance

75% Skilled Nursing Facility

Co-Insurance

Skilled Nursing Facility

Co-Insurance

Skilled Nursing Facility

Co-Insurance 50% Part A

Deductible 75% Part A

Deductible 50% Part A

Deductible Part A Deductible

Foreign

Travel Emergency

Foreign Travel Emergency Out-of-Pocket

limit $4940;

paid at 100%

after limit reached

Out-of-Pocket limit $2470;

paid at 100%

after limit reached * Plan F also has an option called a high deductible Plan F. This high deductible

plan pays the same benefits as Plan F after one has paid a calendar year

$2,140 deductible. Benefits from high deductible Plan F will not begin until out- of-pocket expenses exceed $2,140. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.

MSP-900-OUTLINE-IL

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Page 2

PREMIUM INFORMATION

We, Companion Life Insurance Company, can only raise Your premium if (a) We change the premium rates which apply to all policies of this form issued by Us and in-force in Your state; (b) coverage under Medicare changes; or (c) You move to a different ZIP code location. We will send You the advance written notice required by your state when We change the premium rates for all policies of this form issued by Us and in-force in Your state. (Your rate changes automatically for a new age increment as well as for any class changes.)

There will be a one-time enrollment fee of $25.00 added to the first premium.

DISCLOSURES

Use this Outline to compare benefits and premiums among policies.

READ YOUR POLICY VERY CAREFULLY

This is only an Outline, describing Your Policy’s most important features. The Policy is Your insurance contract. You must read the Policy itself to

understand all of the rights and duties of both You and Your insurance company.

30-DAY RIGHT TO RETURN POLICY

If You find that You are not satisfied with Your policy, You may return it to Companion Life Insurance Company, If You send the policy back to Us within 30 days after You receive it, We will treat the policy as if it had never been issued and return all of Your premiums.

CANCELLATION BY YOU

You may cancel your policy at any time by giving us written notice.

Cancellation will be effective when we receive your notice or on a later date that you may specify. Upon cancellation or upon death, we will promptly return any unearned premium which will be based on a pro rata calculation.

Cancellation will not affect an existing claim.

POLICY REPLACEMENT

If You are replacing another health insurance policy, do NOT cancel it until You have actually received Your new Policy and are sure You want to keep it.

NOTICE

This Policy may not fully cover all of Your medical costs. Neither Companion Life Insurance Company nor its agents are connected with Medicare. This Outline of Coverage does not give all the details of Medicare coverage.

Contact Your local Social Security Office or consult Medicare and You for more details.

COMPLETE ANSWERS ARE VERY IMPORTANT

When You fill out the application for the new Policy, be sure to answer truthfully and completely all questions about Your medical and health history.

The Company may cancel Your policy and refuse to pay any claims if You leave out or falsify important medical information.

Review the application carefully before You sign it. Be certain that all information has been properly recorded.

RENEWABILITY

This Policy is guaranteed renewable for life.

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Attained Age Plan A Plan F Plan G Attained Age Plan A Plan F Plan G Form No. MSP-900-A Form No. MSP-900-F Form No. MSP-900-G Form No. MSP-900-A Form No. MSP-900-F Form No. MSP-900-G

65 $97.03 $136.80 $126.15 65 $106.79 $150.47 $138.75

66 $97.03 $136.80 $126.15 66 $106.79 $150.47 $138.75

67 $97.03 $136.80 $126.15 67 $106.79 $150.47 $138.75

68 $97.03 $136.80 $126.15 68 $106.79 $150.47 $138.75

69 $99.47 $140.22 $129.24 69 $109.39 $154.21 $142.17

70 $101.91 $143.63 $132.41 70 $112.08 $158.03 $145.67

71 $104.76 $147.95 $136.40 71 $115.25 $162.75 $150.06

72 $107.69 $152.42 $140.54 72 $118.50 $167.63 $154.53

73 $110.78 $156.97 $144.77 73 $121.84 $172.67 $159.25

74 $113.87 $161.77 $149.08 74 $125.25 $177.96 $164.05

75 $116.96 $166.65 $153.64 75 $128.67 $183.33 $169.01

76 $119.97 $171.69 $158.27 76 $131.92 $188.86 $174.05

77 $122.89 $176.82 $162.99 77 $135.18 $194.55 $179.34

78 $125.99 $182.19 $167.95 78 $138.59 $200.32 $184.71

79 $129.16 $187.64 $172.91 79 $142.01 $206.34 $190.24

80 $132.41 $193.25 $178.12 80 $145.59 $212.52 $195.93

81 $135.34 $198.70 $183.16 81 $148.84 $218.54 $201.46

82 $138.27 $204.23 $188.29 82 $152.09 $224.72 $207.16

83 $141.36 $210.00 $193.65 83 $155.51 $230.99 $213.01

84 $144.53 $215.94 $199.02 84 $158.93 $237.49 $218.95

85 $147.70 $221.96 $204.63 85 $162.42 $244.16 $225.05

86 $150.55 $228.14 $210.33 86 $165.59 $250.91 $231.31

87 $153.39 $234.40 $216.10 87 $168.69 $257.91 $237.74

88 $156.32 $241.07 $222.20 88 $171.94 $265.15 $244.41

89 $159.25 $247.82 $228.47 89 $175.19 $272.55 $251.32

90 $162.34 $254.25 $234.40 90 $178.61 $279.71 $257.83

91 $164.86 $260.84 $240.50 91 $181.37 $286.94 $264.58

92 $167.55 $267.59 $246.68 92 $184.30 $294.35 $271.41

93 $170.15 $274.50 $253.11 93 $187.23 $301.99 $278.40

94 $172.91 $281.66 $259.70 94 $190.24 $309.88 $285.64

95 $175.68 $289.06 $266.45 95 $193.25 $317.93 $293.13

96 $177.96 $296.46 $273.36 96 $195.69 $326.15 $300.69

97 $180.32 $304.27 $280.52 97 $198.29 $334.69 $308.50

98 $182.59 $312.16 $287.76 98 $200.89 $343.39 $316.55

99 $184.95 $320.21 $295.16 99 $203.50 $352.17 $324.68

Eligible due

to Disability $184.95 $320.21 $295.16

Eligible due

to Disability $203.50 $352.17 $324.68 Policies may be issued on an annual, semi-annual, quarterly or monthly mode.

To obtain annual, semiannual, or quarterly premiums, multiply the Monthly Premium Amount by 12, 6, or 3, respectively Standard Non-Tobacco Rates will be charged during Open Enrollment.

A one time $25 Application Fee will be charged for each Insured. Effective: 11/27/2013 Page 3

Female Rates Male Rates

Companion Life Insurance Company Illinois Medicare Supplement

Monthly Standard Non-Tobacco Rates for Zip Codes 600 - 608

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65 $106.79 $150.47 $138.75 65 $117.45 $165.51 $152.58

66 $106.79 $150.47 $138.75 66 $117.45 $165.51 $152.58

67 $106.79 $150.47 $138.75 67 $117.45 $165.51 $152.58

68 $106.79 $150.47 $138.75 68 $117.45 $165.51 $152.58

69 $109.39 $154.21 $142.17 69 $120.37 $169.66 $156.40

70 $112.08 $158.03 $145.67 70 $123.30 $173.81 $160.23

71 $115.25 $162.75 $150.06 71 $126.80 $179.01 $165.03

72 $118.50 $167.63 $154.53 72 $130.38 $184.38 $169.99

73 $121.84 $172.67 $159.25 73 $134.04 $189.99 $175.11

74 $125.25 $177.96 $164.05 74 $137.70 $195.69 $180.40

75 $128.67 $183.33 $169.01 75 $141.52 $201.63 $185.85

76 $131.92 $188.86 $174.05 76 $145.10 $207.73 $191.46

77 $135.18 $194.55 $179.34 77 $148.68 $213.99 $197.23

78 $138.59 $200.32 $184.71 78 $152.42 $220.41 $203.17

79 $142.01 $206.34 $190.24 79 $156.24 $227.00 $209.27

80 $145.59 $212.52 $195.93 80 $160.15 $233.75 $215.53

81 $148.84 $218.54 $201.46 81 $163.72 $240.42 $221.63

82 $152.09 $224.72 $207.16 82 $167.30 $247.17 $227.90

83 $155.51 $230.99 $213.01 83 $171.04 $254.09 $234.24

84 $158.93 $237.49 $218.95 84 $174.87 $261.24 $240.83

85 $162.42 $244.16 $225.05 85 $178.69 $268.56 $247.58

86 $165.59 $250.91 $231.31 86 $182.11 $276.05 $254.49

87 $168.69 $257.91 $237.74 87 $185.60 $283.69 $261.49

88 $171.94 $265.15 $244.41 88 $189.18 $291.66 $268.89

89 $175.19 $272.55 $251.32 89 $192.76 $299.79 $276.45

90 $178.61 $279.71 $257.83 90 $196.42 $307.68 $283.61

91 $181.37 $286.94 $264.58 91 $199.51 $315.65 $291.01

92 $184.30 $294.35 $271.41 92 $202.68 $323.79 $298.49

93 $187.23 $301.99 $278.40 93 $205.94 $332.17 $306.22

94 $190.24 $309.88 $285.64 94 $209.27 $340.87 $314.27

95 $193.25 $317.93 $293.13 95 $212.61 $349.73 $322.41

96 $195.69 $326.15 $300.69 96 $215.29 $358.76 $330.70

97 $198.29 $334.69 $308.50 97 $218.14 $368.11 $339.40

98 $200.89 $343.39 $316.55 98 $220.98 $377.71 $348.19

99 $203.50 $352.17 $324.68 99 $223.83 $387.47 $357.22

Eligible due

to Disability $203.50 $352.17 $324.68

Eligible due

To obtain annual, semiannual, or quarterly premiums, multiply the Monthly Premium Amount by 12, 6, or 3, respectively A one time $25 Application Fee will be charged for each Insured.

Effective: 11/27/2013 Page 3a

Monthly Standard Tobacco Rates for Zip Codes 600 - 608

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65 $83.51 $117.74 $108.57 65 $91.91 $129.50 $119.42

66 $83.51 $117.74 $108.57 66 $91.91 $129.50 $119.42

67 $83.51 $117.74 $108.57 67 $91.91 $129.50 $119.42

68 $83.51 $117.74 $108.57 68 $91.91 $129.50 $119.42

69 $85.61 $120.68 $111.23 69 $94.15 $132.72 $122.36

70 $87.71 $123.62 $113.96 70 $96.46 $136.01 $125.37

71 $90.16 $127.33 $117.39 71 $99.19 $140.07 $129.15

72 $92.68 $131.18 $120.96 72 $101.99 $144.27 $133.00

73 $95.34 $135.10 $124.60 73 $104.86 $148.61 $137.06

74 $98.00 $139.23 $128.31 74 $107.80 $153.16 $141.19

75 $100.66 $143.43 $132.23 75 $110.74 $157.78 $145.46

76 $103.25 $147.77 $136.22 76 $113.54 $162.54 $149.80

77 $105.77 $152.18 $140.28 77 $116.34 $167.44 $154.35

78 $108.43 $156.80 $144.55 78 $119.28 $172.41 $158.97

79 $111.16 $161.49 $148.82 79 $122.22 $177.59 $163.73

80 $113.96 $166.32 $153.30 80 $125.30 $182.91 $168.63

81 $116.48 $171.01 $157.64 81 $128.10 $188.09 $173.39

82 $119.00 $175.77 $162.05 82 $130.90 $193.41 $178.29

83 $121.66 $180.74 $166.67 83 $133.84 $198.80 $183.33

84 $124.39 $185.85 $171.29 84 $136.78 $204.40 $188.44

85 $127.12 $191.03 $176.12 85 $139.79 $210.14 $193.69

86 $129.57 $196.35 $181.02 86 $142.52 $215.95 $199.08

87 $132.02 $201.74 $185.99 87 $145.18 $221.97 $204.61

88 $134.54 $207.48 $191.24 88 $147.98 $228.20 $210.35

89 $137.06 $213.29 $196.63 89 $150.78 $234.57 $216.30

90 $139.72 $218.82 $201.74 90 $153.72 $240.73 $221.90

91 $141.89 $224.49 $206.99 91 $156.10 $246.96 $227.71

92 $144.20 $230.30 $212.31 92 $158.62 $253.33 $233.59

93 $146.44 $236.25 $217.84 93 $161.14 $259.91 $239.61

94 $148.82 $242.41 $223.51 94 $163.73 $266.70 $245.84

95 $151.20 $248.78 $229.32 95 $166.32 $273.63 $252.28

96 $153.16 $255.15 $235.27 96 $168.42 $280.70 $258.79

97 $155.19 $261.87 $241.43 97 $170.66 $288.05 $265.51

98 $157.15 $268.66 $247.66 98 $172.90 $295.54 $272.44

99 $159.18 $275.59 $254.03 99 $175.14 $303.10 $279.44

Eligible due

to Disability $159.18 $275.59 $254.03

Eligible due

To obtain annual, semiannual, or quarterly premiums, multiply the Monthly Premium Amount by 12, 6, or 3, respectively Standard Non-Tobacco Rates will be charged during Open Enrollment.

A one time $25 Application Fee will be charged for each Insured. Effective: 11/27/2013 Page 3b

Monthly Standard Non-Tobacco Rates for Zip Codes 609-620, 622-629

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65 $91.91 $129.50 $119.42 65 $101.08 $142.45 $131.32

66 $91.91 $129.50 $119.42 66 $101.08 $142.45 $131.32

67 $91.91 $129.50 $119.42 67 $101.08 $142.45 $131.32

68 $91.91 $129.50 $119.42 68 $101.08 $142.45 $131.32

69 $94.15 $132.72 $122.36 69 $103.60 $146.02 $134.61

70 $96.46 $136.01 $125.37 70 $106.12 $149.59 $137.90

71 $99.19 $140.07 $129.15 71 $109.13 $154.07 $142.03

72 $101.99 $144.27 $133.00 72 $112.21 $158.69 $146.30

73 $104.86 $148.61 $137.06 73 $115.36 $163.52 $150.71

74 $107.80 $153.16 $141.19 74 $118.51 $168.42 $155.26

75 $110.74 $157.78 $145.46 75 $121.80 $173.53 $159.95

76 $113.54 $162.54 $149.80 76 $124.88 $178.78 $164.78

77 $116.34 $167.44 $154.35 77 $127.96 $184.17 $169.75

78 $119.28 $172.41 $158.97 78 $131.18 $189.70 $174.86

79 $122.22 $177.59 $163.73 79 $134.47 $195.37 $180.11

80 $125.30 $182.91 $168.63 80 $137.83 $201.18 $185.50

81 $128.10 $188.09 $173.39 81 $140.91 $206.92 $190.75

82 $130.90 $193.41 $178.29 82 $143.99 $212.73 $196.14

83 $133.84 $198.80 $183.33 83 $147.21 $218.68 $201.60

84 $136.78 $204.40 $188.44 84 $150.50 $224.84 $207.27

85 $139.79 $210.14 $193.69 85 $153.79 $231.14 $213.08

86 $142.52 $215.95 $199.08 86 $156.73 $237.58 $219.03

87 $145.18 $221.97 $204.61 87 $159.74 $244.16 $225.05

88 $147.98 $228.20 $210.35 88 $162.82 $251.02 $231.42

89 $150.78 $234.57 $216.30 89 $165.90 $258.02 $237.93

90 $153.72 $240.73 $221.90 90 $169.05 $264.81 $244.09

91 $156.10 $246.96 $227.71 91 $171.71 $271.67 $250.46

92 $158.62 $253.33 $233.59 92 $174.44 $278.67 $256.90

93 $161.14 $259.91 $239.61 93 $177.24 $285.88 $263.55

94 $163.73 $266.70 $245.84 94 $180.11 $293.37 $270.48

95 $166.32 $273.63 $252.28 95 $182.98 $301.00 $277.48

96 $168.42 $280.70 $258.79 96 $185.29 $308.77 $284.62

97 $170.66 $288.05 $265.51 97 $187.74 $316.82 $292.11

98 $172.90 $295.54 $272.44 98 $190.19 $325.08 $299.67

99 $175.14 $303.10 $279.44 99 $192.64 $333.48 $307.44

Eligible due

to Disability $175.14 $303.10 $279.44

Eligible due

To obtain annual, semiannual, or quarterly premiums, multiply the Monthly Premium Amount by 12, 6, or 3, respectively A one time $25 Application Fee will be charged for each Insured.

Effective: 11/27/2013 Page 3c

Monthly Standard Tobacco Rates for Zip Codes 609-620, 622-629

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Page 4

PLAN A

MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD

* A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

First 60 days 61^st thru 90^th day 91^st day and after:

 While using 60 lifetime reserve days

 Once lifetime reserve days are used:

- Additional 365 days

- Beyond the additional 365 days

All but $1,216 All but $304 a day All but $608 a day

$0

$304 a day

$608 a day

100% of Medicare Eligible Expenses

$0

$1,216 (Part A Deductible)

$0

$0**

All Costs SKILLED NURSING FACILITY CARE*

You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare approved facility within 30 days after leaving the hospital.

First 20 days 21^st thru 100^th day

101^st day and after All approved amounts All but $152 a day

$0

Up to $152 a day All Costs

BLOOD First 3 pints

Additional amounts $0

100% 3 pints

$0 $0

$0 HOSPICE CARE

You must meet Medicare’s requirements, including a doctor’s certification of terminal illness

All but very limited coinsurance for outpatient drugs and inpatient respite care

Medicare copayment/

coinsurance $0

**NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid.

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Page 5

PLAN A

MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR

* Once You have been billed $147 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B Deductible will have been met for the calendar year.

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY

MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment.

First $147 of Medicare-approved amounts*

Remainder of Medicare-approved amounts $0

Generally 80% $0

Generally 20% $147 (Part B Deductible)

$0 Part B Excess Charges

(Above Medicare-approved amounts) $0 $0 All costs

Next $147 of Medicare-approved amounts*

Remainder of Medicare-approved amounts

$0

$0 80%

All Costs

$0 20%

$0

$147 (Part B Deductible)

$0 CLINICAL LABORATORY SERVICES – TESTS FOR

DIAGNOSTIC SERVICES 100% $0 $0

PARTS A & B

HOME HEALTH CARE MEDICARE-APPROVED SERVICES

 Medically necessary skilled care services and medical supplies

 Durable medical equipment

100%

$0 80%

$0

$0 20%

$0

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Page 6

PLAN F

HOSPITALIZATION*

$0

$304 a day

$608 a day

$0

$0 $0

$0

$0**

First 20 days 21^st thru 100^th day 101^st day and after

All approved amounts All but $152 a day

$0

Up to $152 a day

$0

$0 All Costs BLOOD

First 3 pints

Additional amounts $0

100% 3 pints

$0 $0

$0 HOSPICE CARE

Medicare copayment/

coinsurance $0

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Page 7

PLAN F

Generally 20% $0

(Above Medicare-approved amounts) $0 100% $0

$0 $0 80%

All Costs

$147 (Part B Deductible) 20%

$0 $0

PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES

100%

$0 80%

$0

$147 (Part B Deductible) 20%

$0

$0 OTHER BENEFITS – NOT COVERED BY MEDICARE

FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

First $250 each calendar year

Remainder of charges $0

$0 $0

80% to a lifetime maximum benefit of $50,000

$250

20% and amounts over the

$50,000 lifetime maximum

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Page 8

PLAN G

HOSPITALIZATION*

$0

$304 a day

$608 a day

$0

$0 $0

$0

$0**

First 20 days 21^st thru 100^th day 101^st day and after

All approved amounts All but $152 a day

$0

Up to $152 a day

$0

$0 All Costs BLOOD

First 3 pints

Additional amounts $0

100% 3 pints

$0 $0

$0 HOSPICE CARE

Medicare coinsurance $0

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Page 9

PLAN G

Generally 80% $0

(Above Medicare-approved amounts) $0 100% $0

$0 $0 80%

All Costs

$0 20%

$0 $147 (Part B Deductible)

PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES

100%

$0 80%

$0

$0 20%

$0

$0 OTHER BENEFITS – NOT COVERED BY MEDICARE

FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

First $250 each calendar year

Remainder of charges $0

$0 $0

80% to a lifetime maximum benefit of $50,000

$250

20% and amounts over the

$50,000 lifetime maximum