Additional Benefits

BENEFICIARY ASSISTANCE
Managing a loved one’s final affairs can be overwhelming.
The amount of time and effort needed to process the loss and close an estate can make an already stressful time even more difficult. Beneficiary Assistance can offer some relief and provide compassionate guidance to help with paperwork, notifications and the time-consuming details of managing a loved one’s final affairs.

Who’s eligible?
You, your spouse and your dependents up to age 26 (regardless of student status), as well as any beneficiaries named under your group life insurance policy with Symetra, are eligible for all services provided by Beneficiary Assistance.

Empathetic guidance
Dedicated coordinators are available 24/7 to provide compassionate, professional assistance to:
•  Answer questions
•  Offer guidance on obtaining death certificates or, if applicable, a Consular Report of Death Abroad.
•  Provide beneficiaries with information regarding local grief counseling services.
•  Assist beneficiaries with researching local estate planning and/or probate resources.
•  Provide translation services, if needed, for non-English speakers.

Funeral home referrals
We understand it can be difficult to know how to handle the death of a loved one. When placed in a situation where you have to find a funeral home, you may feel overwhelmed. That’s where Beneficiary Assistance can help. You can rely on the experienced beneficiary assistance coordinators to provide referrals to a local funeral home and to funeral director services, if needed. If the loss of a loved one occurs during travel, Beneficiary Assistance can also help facilitate communication between funeral homes to help transfer your loved one home as quickly as possible.

Additional support after a loved one passes
You may also call Symetra at 1-877-377-6773 for your beneficiary checklist—a resource guide for additional support after a loved one’s death.

Fraud resolution
A deceased’s identity is an attractive target for criminals—and may be relatively easy to obtain. Specialists will help you take actions to protect your loved one’s identity and will lend you a hand if their identity is stolen.
These services include:
•  Three-bureau fraud alert placement assistance: Assist you in reporting the death, suppressing the deceased’s credit report, and/or requesting the credit bureaus to freeze/close the account.
•  Help filing a police report, if fraud has occurred.

Access your Beneficiary Assistance services
Just pick up the phone—24 hours a day, seven days a week—and call
On Call International: U.S. and Canada: 978-651-9223
Anywhere else (collect or direct): 833-808-0253
Or text: 1-844-302-5131

TRAVEL ASSISTANCE
Emergencies happen. When they happen far from home, it’s comforting to know there’s a team of multilingual professionals standing by to help. Travel Assistance offers a variety of 24-hour-a-day services in more than 180 countries and territories worldwide—and each one is just a phone call or live chat away.

Who’s eligible?
You, your spouse or domestic partner, and your dependents up to age 26 are considered eligible for all services provided by Travel Assistance.

You can receive pre-trip information at any time
All other services take effect when you’re on a trip 100 miles or more from home lasting 90 days or less.

Medical assistance and transport services*
•  Medical, mental health, dental and pharmacy referrals: Referrals are provided upon request in the given geographic area, where possible.
•  24-hour nurse help line: Clinical assessment, education and general health information provided upon request.
•  Medical evacuation: Emergency medical transportation with medical supervision from one facility to another when deemed medically necessary to receive more appropriate treatment.
•  Medical monitoring: Provided during hospitalization to determine if care is appropriate or if evacuation is required.
•  Medically necessary repatriation: Once you’re stabilized and/or discharged and you’re deemed fit to travel, Travel Assistance can arrange transportation to either your local accommodations or to your home for follow-up care or to recover.
•  Prescription replacement assistance: Travel Assistance consults with the prescribing physician and, if possible, makes arrangements to send replacement medication or eyeglasses.
•  Coordination of benefits: Travel Assistance requests health and travel insurance information and attempts to coordinate benefits during an active assistance case.
•  Repatriation of remains: In the event of death while traveling, Travel Assistance will return the remains home for burial, including coordinating and arranging all necessary government authorizations and a container appropriate for transportation.
•  Vehicle return: In the event of a death or medical transport that prevents you and your traveling companions from driving your vehicle home, Travel Assistance will procure a driving service to return your vehicle or fly someone you trust to drive it back home.
•  Emergency pet boarding/return: If you’re traveling with your pets and your medical condition leaves you hospitalized and your pet unattended, Travel Assistance

Emergency Travel Assistance services*
•  Emergency travel arrangements for visit by family or friend: If hospitalized, Travel Assistance will arrange travel and suitable hotel accommodations for a person of choice to join.
•  Return of dependent children: If any dependents are present but left unattended as a result of a medical transportation, hospitalization or death, Travel Assistance will make arrangements to return them home, •  including a non-medical escort as required.
•  Return of traveling companion: If a medical emergency or death occurs, Travel Assistance will arrange one-way economy airfare to return a companion to their original departure point.

Other key Travel Assistance services
•  Pre-trip travel information including visa, passport, inoculation, immunization requirements, cultural information, embassy and consulate referrals, foreign exchange rates and travel advisories. Get up-to-date information regarding health risks, travel restrictions and weather conditions for destinations worldwide.
•  Emergency message relay to and from friends, relatives and business associates.
•  24/7 assistance with emergency travel arrangements, including a change of airline, hotel and car rental reservations, once a trip has started.
•  Help locating and replacing lost or stolen items, like luggage, documents and personal possessions.
•  Legal services are available if you are arrested while traveling internationally or are in need of legal services. Travel Assistance will arrange for an initial telephone consultation with an attorney without charge.
•  Translation assistance: Interpreters are available via phone for translation needs. Travel Assistance will also provide referrals for local interpreters and written translation assistance.

Access your Travel Assistance services
Just pick up the phone— 24 hours a day, seven days a week—and call
On Call International: U.S. and Canada: 978-651-9223
Anywhere else (collect or direct): 833-808-0253
Or text: 1-844-302-5131

*This is only an outline of the plan’s features. All services must be arranged and provided by On Call International. Please review your Description of Coverage carefully to understand all the services available to you as well as any terms, conditions and limitations.

IDENTITY THEFT
Identity theft is a rising concern and it can happen to anyone. Identify Theft Assistance can offer you peace of mind by providing you with step-by-step coaching and assistance to help you resolve identity theft.

Who’s eligible?
You, your spouse and your dependents under age 26 (regardless of student status) are eligible for all services provided by Identity Theft Assistance. Identity thefts discovered prior to enrollment in a Symetra Group Life Insurance plan are not eligible for services.

Fraud assistance
Three-bureau fraud alert placement assistance: Upon your request, the three major credit bureaus can be contacted and informed about your lost or stolen credit cards, ensuring the incident is reported.

Document replacement and financial assistance
•  Lost wallet assistance: If your debit/credit cards are lost or stolen, Identity Theft Assistance will contact the bank/credit card companies with you on the phone to alert them that the cards were lost or stolen and could be compromised. They’ll also provide information to help you replace lost items such as your driver’s license and Social Security card.
•  Lost passport replacement: In the event your passport is lost or stolen, Identity Theft Assistance will assist you in securing an emergency passport replacement, including locating the nearest consulate or embassy if the loss occurs while you’re traveling.
•  Emergency cash advance assistance: If needed, Identity Theft Assistance will assist you in obtaining cash advances from family or friends.

Tips to remember to protect your identity
√  Carry only one or two debit or credit cards.
√  Bring only the ID information that you’ll actually need.
√  Keep your passport safe while traveling—make copies, store it in a safe place, and if stolen or lost, report it immediately.
√  Do not carry your Social Security card in your wallet.
√  If your purse or wallet is stolen, immediately report it to the police.
√  Notify your financial institution if your debit or credit card is lost or stolen.

Access your Identity Theft Assistance services
Just pick up the phone— 24 hours a day, seven days a week—and call
On Call International. U.S. and Canada: 978-651-9223
Anywhere else (collect or direct): 833-808-0253
Via text message: 1-844-302-5131

ESTATE GUIDANCE
EstateGuidance® can simplify the process of planning your estate and save you money.

We understand that drafting a will and a living will can be a complicated and expensive process. EstateGuidance® eliminates the hassle and high costs with a simple, secure and affordable online tool.

A better way to secure your legacy
•  It’s fast: preparation of an online will using EstateGuidance® takes on average less than 60 minutes.
•  It’s convenient: prepare these documents when and where it works for you.
•  It’s easy to use: EstateGuidance® provides step-by-step guidance to simplify the process.
•  It grows with you: Once you create documents online, you can make unlimited free revisions, as needed, to keep them up-to-date.
•  It’s legally binding: you can rely on these documents to be legally enforceable.

Last will and testament
$14.99
A last will and testament (“will”) is the cornerstone of an estate plan. A will ensures that your assets are distributed in accordance with your wishes after your death. A will also allows you to name an executor and a guardian to take care of your children if they are minors. Printing and mailing is available for an additional $9.99.

Living will and healthcare power of attorney
$14.99
A living will is an advanced directive that documents
your wishes regarding medical treatment and nutrition in the event of terminal illness, coma or vegetative state. Printing and mailing of a living will is available for an additional $9.99.

A health care power of attorney, included at no additional cost with a living will, allows you to give a trusted family member or friend the power to make medical decisions on your behalf should you become unable to make such decisions.

Financial power of attorney
No additional cost
A financial power of attorney form allows you, the principal, to name someone else, the agent, to make financial decisions for you.

Final arrangements
$9.99
This document is intended to give your surviving family members, friends, and associates guidance regarding your last wishes and to ensure that they can properly honor your memory. Final arrangements allow you to specify your burial or cremation preferences and personalize your obituary, funeral or memorial service. It leads you through the process by asking thoughtful questions and providing detailed educational resources.

We know that plans may change as you progress through different stages of your life. Be assured that EstateGuidance® will be with you every step of the way. Once you create these documents online, you can make unlimited free revisions, as needed, to keep them up-to-date.

To get started:
Complete an easy-to-understand questionnaire and then print, review, and sign your documents, which are created in real time.

Visit www.EstateGuidance.com
Enter your promotional code: SymetraLife
Choose any of the options in the drop-down menu.

Full-Time Employees with Less Than One Full Year of Service Prior to Jan. 1
For the purposes of PTO, a new employee hired on or before the 15th of the month will be considered to have been hired in that month; a new employee hired the 16th of the month or after will be considered to have been hired in the following month. (see chart 1 below)

Full Years of Completed Service Prior to Jan. 1
Each completed year worked by an employee from Jan. 1 of one year to December 31 of that year is considered a completed year of service for PTO purposes. (see chart 2 below)

EVENTS
Incentive Trip As a reward for hitting our annual stretch goals set by the founders, all Advisors Excel employees and their significant others are taken on an all-inclusive, company-wide vacation! An employee’s date of hire may affect eligibility.

AE FUN COMMITTEE
Our Fun Committee – aka FUNC – will keep you busy with exciting events throughout the year. You can look forward to all kinds of athletic activities to more casual events such as movie nights, trivia, tailgates and much more. We also want to include your family with events such as Easter eggs hunts and trips to the zoo.

GIVING BACK
We also understand how incredibly blessed we’ve been as an organization, and we regularly seek out opportunities to give back. While AE gives a significant dollar amount to worthy causes in our community each year, we strive to do more than that. From volunteering our time at a variety of local organizations, providing school supplies for area schools, to granting wishes for local families in need around the holidays, AE is constantly looking for ways to make a real difference.