Unum Group Life and AD&D Employee Certificate Booklet

Unum Life Insurance Company of America 2211 Congress Street, Portland, ME 04122 (877) 225-2712 services.unum.com ________________________________________________________________________________________ Portability of Group Life and Accidental Death and Dismemberment Insurance ________________________________________________________________________________________ Portability allows Life and Accidental Death and Dismemberment coverage to be continued when Life and Accidental Death and Dismemberment coverage under the Employer's group policy would otherwise end due to a Portability Event. The Certificate of Coverage (the "certificate") in force at the time of an Insured's Portability Event will reflect the terms and conditions of the Life and Accidental Death and Dismemberment coverage that can be continued. This Portability rider is made a part of the Life and Accidental Death and Dismemberment Insurance Policy and is subject to all of the provisions, limitations and exclusions of the policy and certificate, unless changed or added by this rider. All references to provisions, sections, and defined terms have been capitalized. Defined terms that have been capitalized within this rider have the same meaning as the defined terms capitalized in the certificate unless changed or added by this rider. Any future changes made in the Employer's group policy will not apply to coverage an Insured has ported, unless required by law. If you have any questions about the terms and provisions of this Portability rider, please contact your Employer, or you may contact us. Policyholder: Mid-America Apartments, L.P. Policy Number: 972765 011 Policy Effective Date: January 1, 2025 Portability Effective Date: January 1, 2025 Portability Provisions Portability Events Coverage may be ported if coverage ends under the Employer's policy due to the following: - your employment with your Employer ends; - you are no longer in an Eligible Group; - you retire from your Employer; or - you continue to work for your Employer but begin working less than the minimum number of hours as described under Eligible Groups in the certificate. Coverage may not be ported if coverage ends under the Employer's policy due to any of the following: - the Employer's policy is cancelled by us; - your Employer terminates business operations; - your Employer cancels the policy; - your Employer fails to pay group policy premium; - the Employer's policy is changed to exclude the group of Employees to which you belong; or - your coverage is no longer being continued under the Continuation of your Coverage During Absences provision. Portability Restrictions You are not eligible to port coverage for you, your Spouse, and your Children if at the time of a Portability Event:

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Portability of Group Life and Accidental Death and Dismemberment Insurance

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Unum Life Insurance Company of America

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