Life and AD&D

Life Insurance benefits are paid to your loved ones in the event of your death. Vail Resorts also provides Accidental Death & Dismemberment (AD&D) Insurance as an additional benefit in the event of a serious injury or death resulting from a covered accident. Basic Life and AD&D is available in the following amounts:

Eligibility	Benefit Amount
Year-Round Full-Time Hourly and Eligible Seasonal Full-Time Employees*	$25,000
Year-Round Full-Time Salaried Employees	1.5 times your base salary, rounded to the next $1,000, subject to a maximum of $500,000
Executive Employees	Predetermined flat amount

Benefits Reduction
When you reach age 65 or older, your amount of insurance will be reduced as follows:

• Age 65: 35%
• Age 70: 50%
• Age 75 or older: 70%

If protecting your income is part of your long-term financial plan, you can also purchase Supplemental Life and AD&D benefits for your spouse/domestic partner and children.

Employee Life and AD&D
Coverage Options	Increments of $25,000
Maximum Coverage Amount	Up to $500,000
Guarantee Issue Amount	$250,000
Spouse/Domestic Partner Life and AD&D
Coverage Options	Increments of $100,000; amount cannot exceed employee amount
Maximum Coverage Amount	Up to $100,000
Guarantee Issue Amount	$50,000
Child(ren) Life (up to age 26)*
Coverage Options	$5,000 or $10,000

Evidence of Insurability (EOI)
This is a health questionnaire that helps determine whether you and/or your spouse/domestic partner qualify for new coverage or an increase in coverage amount. This may be required if you do not enroll for supplemental coverage at your initial eligibility period or for amounts above the guaranteed issue levels. Coverage is not guaranteed.

How Much Life Insurance Do I Need?
Answer a few simple questions here to estimate how much life insurance coverage you need to meet the needs of you and your family.

The Allstate group whole life policy provides protection in three different ways:

1. Traditional whole life insurance – pays a lump-sum cash benefit to your beneficiaries when you die.
2. Accelerated death benefit – if you are certified chronically ill and need long-term care services, you can draw funds from the death benefits as a monthly payment to help pay for any necessary long-term care. Care includes home health care, adult day care, assisted living facility care and nursing home care.
3. Accumulated cash value – you can withdraw funds in an emergency from the cash balance.

Important Information

• Rates are based on your age when you receive the coverage and are guaranteed not to change.
• Employees and spouses up to age 70 and children up to age 25 are eligible.
• Coverage is offered on a Guaranteed Issue basis with no evidence of insurability required.
• Coverage is portable.