959589 Basic Life 01.01.2025

0 For youJSAD- $FlatBenefit. No medical questions asked, up to the DAsterix Guaranteed Issue amount of $GIFlatAmt or GIXAnnlEarnLimit times your Basic Annual Earnings, whichever is less. JSEmpEndNote Basic Life Insurance PROTECTS YOUR LOVED ONES. Life insurance provides your loved ones with money they can use for household expenses, tuition, mortgage payments and more. HELPS PAY YOUR FINAL EXPENSES. Your beneficiaries may use this money to pay for your burial or cremation, and pay any outstanding medical bills. PART OF YOUR BENEFIT PACKAGE. This benefit is completely paid for by your employer. Remember to name your beneficiaries if you haven’t done so already. Even among people who have life BENEFITS insurance, many For you* $50,000. No medical questions asked. don’t have enough. Benefits are reduced at age 65 and may reduce again in subsequent years as noted in your Certificate. *This coverage includes Accidental Death and Dismemberment insurance. OWL LABS INC. All Eligible Employees POLICY # 959589 Sun Life Assurance Company of Canada 2514719 SEQ2 CL1 03/04/2025 08:27:26 800-247-6875 • sunlife.com/us Basic Life Insurance

Frequently asked questions What is my AD&D benefit? We will pay your beneficiaries an Accidental Death insurance amount that matches your Basic Life insurance amount, if you die from a covered accident. Additional benefits are available for accidental injuries (i.e., dismemberment) such as loss of limbs, fingers or sight. Refer to your Certificate for a full list of covered accidental injuries. Can I take my insurance with me if I leave my employer? Depending upon state variations and your employer’s plan, you may have an option to continue group coverage when your employment terminates. Your employer can advise you about your options. Can I access my life insurance if I become terminally ill? You may apply to receive a portion of your life insurance to help cover medical and living expenses. This is called an “Accelerated Benefit” and there are some important things to know about it, including that it is not long-term-care insurance, it may be taxable and it may affect your eligibility for public assistance programs. It will also reduce the total amount of the life insurance payment we pay to your beneficiary(ies). What happens if I become Totally Disabled? If we determine that you are Totally Disabled and cannot work, your life insurance coverage may continue at no cost. You must meet certain requirements, as detailed in the Certificate. How does my beneficiary file a death claim? Your beneficiary(ies) and your employer will complete the appropriate claims forms and submit them to us. We will notify your beneficiaries when the decision is made and if we have any questions. If approved, beneficiaries may elect to receive a lump sum payment or to have the benefit paid into an account where the funds accumulate interest and can be withdrawn at any time. (State restrictions apply and options may vary by state.) If your AD&D claim for an accidental injury is approved, the benefit amount will be paid directly to you. Read the Important information section for more details including limitations and exclusions. 800-247-6875 • sunlife.com/us Basic Life Insurance

Important information To become insured, you must meet the eligibility requirements set forth by your employer. Your coverage effective date will be determined by the Policy and may be delayed if you are not actively at work on the date your coverage would otherwise go into effect. Similarly, dependent coverage, if offered, may be delayed if your dependents are in the hospital (except for newborns) on the date coverage would otherwise become effective. Refer to the Certificate for details. Limitations and exclusions The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate or ask your benefits administrator for details. Life In some states, your employer’s group policy may exclude payment for suicide that occurs within a specific time period after the insurance or increase in insurance becomes effective. Please see your Certificate for details. Accidental Death and Dismemberment We will not pay a benefit that is due to or results from: suicide while sane or insane; injuring oneself intentionally; committing or attempting to commit an assault, felony or other criminal act; war or an act of war; active participation in a riot, rebellion or insurrection; voluntary use of any controlled substance/il- legal drugs; operation of a motorized vehicle while intoxicated; bodily or men- tal infirmity or disease or infection unless due to an accidental injury; riding in or driving any motor-driven vehicle in a race, stunt show, or speed test. This Overview is preliminary to the issuance of the Policy. Refer to your Certificate for details. Receipt of this Overview does not constitute ap- proval of coverage under the Policy. In the event of a discrepancy be- tween this Overview, the Certificate and the Policy, the terms of the Pol- icy will govern. Product offerings may not be available in all states and may vary depending on state laws and regulations. Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”). Group life insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 12-GP-01, 15-LF-01, 12- GPPort-P01, 12-LFPort-C-01, 15-ADD-C-01, 13-ADD-C-01 and 13-ADDPort-C-01. © 2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GVBH-EE-8384 SLPC 29579 800-247-6875 • sunlife.com/us/ 800-786-5433 • sunlife.com/us/ Basic Life Insurance