This document provides a side-by-side comparison of two Colonial Life supplemental hospital confinement indemnity products: Group Medical Bridge 1.0 and Medical Bridge 3000. Key differences include Medical Bridge 3000 offering portability and guaranteed renewability while Group Medical Bridge 1.0 is available on a payroll platform. Medical Bridge 3000 has fewer plan design options but includes additional benefits like rehabilitation unit confinement. Underwriting also differs as Medical Bridge 3000 uses standard underwriting while Group Medical Bridge 1.0 is always guaranteed issue.

1. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
SIDE-BY-SIDE COMPARISON
COLONIAL LIFE COLONIAL LIFE
Group Medical Bridge 1.0 Medical Bridge 3000
Released 2011 Released 2007
Payroll/Non-Payroll Payroll Payroll
Platform Group Individual
Product Type Indemnity Indemnity
Plan Design Options • Plan 1: Hospital Confinement + at • Plan 1: Base Plan
least one Optional Benefit - Hospital Confinement Benefit
• Plan 2: Hospital Confinement + - Wellness Benefit
Outpatient Surgical Procedure
- Rehabilitation Unit Benefit
Benefit
- Waiver of Premium Benefit
• Plan 3: Hospital Confinement +
Outpatient Surgical Procedure • Plan 2: Base Plan + Outpatient
Benefit + Diagnostic Procedure + Surgical Procedure Benefit
Emergency Room Visit Benefit • Plan 3: Base Plan + Outpatient
• Plan 4: Hospital Confinement + Surgical Procedure Benefit +
Outpatient Surgical Procedure Diagnostic Procedure/Emergency
Benefit +Doctor Office Visit Benefit Room (ER) Visit Benefit
• Plan 5: Hospital Confinement + • Plan 4: Base Plan + Outpatient
Outpatient Surgical Procedure Surgical Procedure Benefit +
Benefit + Diagnostic Procedure + Doctor Office Visit Benefit
Emergency Room Visit + Doctor • Plan 5: Base Plan + Outpatient
Office Visit Benefit Surgical Procedure Benefit +
Diagnostic Procedure/ER Visit +
Doctor Office Visit Benefit
Optional Benefits • Health Screening Benefit None
• Second Day and Subsequent Day
Hospital Confinement Benefit
• Accident Only Emergency Room
Visit Benefit (available with Plan 1
only)
HSA-Compliant Plan Available in Plan 1 (in most states) Available in Plan 1
Guaranteed Renewable • No • Yes
Portability • No • Yes
Situs State • Yes • No
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 1 of 7

2. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
Colonial Life Colonial Life
Group Medical Bridge 1.0 Medical Bridge 3000
Rate Structure • Age-banded • Age-banded
• Composite
• Discounted Composite
See Underwriting section for requirements
Issue Ages • 17-49, 50-59, 60-64, 65+ (may vary by • 17-49, 50-59, 60-64, 65-74 (may vary by
state) state)
See Underwriting section for requirements
PLAN BENEFITS
Hospital Available in Plans 1-5 Available in Plans 1-5
Confinement Benefit
Ten benefit levels: Six benefit levels:
• Level 1: $500 • Level 1: $500
• Level 2: $1,000 • Level 2: $1,000
• Level 3: $1,500 • Level 3: $1,500
• Level 4: $2,000 • Level 4: $2,000
• Level 5: $2,500 • Level 5: $2,500
• Level 6: $3,000 • Level 6: $3,000
• Level 7: $3,500
• Level 8: $4,000
• Level 9: $4,500
• Level 10: $5,000
Payable once per covered person per calendar
year No calendar year maximum
Outpatient Surgical Available in Plans 2-5 Available in Plans 2-5
Procedure Benefit
Outpatient Option 1 Option 2 Option 3
Surgery Outpatient Option Option Option
Tier 1 $500 $750 $1,000 Surgery 1 2 3
Tier 2 $1,000 $1,500 $2,000 Tier 1 $500 $750 $1,000
Calendar- $1,500 $2,500 $3,000 Tier 2 $1,000 $1,500 $2,000
Year Max Calendar- $1,500 $2,500 $3,000
(per covered Year Max
person) (per covered
person)
• One Outpatient Surgical Procedure Benefit
option per plan design. • One Outpatient Surgical Procedure
Benefit option per plan design.
• No anesthesia required.
• Includes a sample of payable surgeries
• No anesthesia required.
• Includes a sample of payable surgeries
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 2 of 7

3. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
Colonial Life Colonial Life
Group Medical Bridge 1.0 Medical Bridge 3000
Diagnostic Available in Plans 3 and 5 Available in Plans 3 and 5
Procedure Benefit
32 listed procedures • 31 listed procedures
• Same procedures as Medical Bridge 3000
plus added Amniocentesis Diagnostic Option Option Option
Procedure 1 2 3
Diagnostic Option Option Option $250 $250 $500
Procedure 1 2 3
$250 $500 $1,000
• Payable once per covered person per • Payable once per covered person per
calendar year calendar year
• Diagnostic option does not have to • Diagnostic option must correspond with
correspond with the Outpatient Surgery the Outpatient Surgery option selected
option selected
Emergency Room Available in Plans 3 and 5 Available in Plans 3 and 5
Visit Benefit $150 benefit per person per calendar year for
• $150 benefit per person per calendar year an emergency room visit for a covered
for an emergency room visit for a covered accident or sickness
accident or sickness
Doctor Office Visit Available in Plans 4 and 5 Available in Plans 4 and 5
Benefit
• $25 for three Doctor Office Visits per • $25 for three Doctor Office Visits per
calendar year for employee only coverage; calendar year for employee only
five visits combined for family coverage coverage; five visits combined for family
• Wellness and Physical Exams included coverage
• No exclusions and limitations • Wellness and Physical Exams included
• No exclusions and limitations
Rehabilitation Unit Benefit not available Available in Plans 1-5
Confinement • $100/day for 15 days up to 30 days per
calendar year for each covered person’s
confinement to a rehabilitation
Waiver of Premium • After 30 continuous days of the named
Benefit not available
insured’s covered hospital confinement
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 3 of 7

4. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
EMPLOYER Colonial Life Colonial Life
OPTIONAL Medical Bridge 3000
Group Medical Bridge 1.0
BENEFITS
Health • $50 for one covered test per covered person Not an optional benefit
Screening/Wellness per calendar year Available in Plans 1 -5
Benefit
• Applies to 24 health screening tests • $50 for one covered test per calendar
year for employee only coverage or two
covered tests per calendar year
combined for family coverage
• Applies to 17 health screening tests
Accident Only • $150 payable once per covered person per Benefit not available
Emergency Room calendar year for accidents
Visit Benefit • Optional benefit in Plan 1 only (employer’s
choice)
Second Day and Benefit not available
Subsequent Day • $500 per day benefit, up to 10 days per
Hospital person per calendar year
Confinement Benefit • Payments begin on the second day of a
hospital confinement
UNDERWRITING
Coverage Types • Named Insured (employee) • Employee only
• Named Insured and Spouse • Employee and Spouse
• Named Insured and Dependent Children • Employee and Dependent Children
• Named Insured, Spouse and Dependent • Employee, Spouse and Dependent
Children Children
Minimum Account • 10 enrolled • 3 payors
Size
Underwriting Always Guaranteed Issue • Standard Underwriting
Options
• Guaranteed Issue with Pre-ex Included for - Simplified Issue (SI)
all Covered Insureds (GI) - Simplified Issue (SI) Level 1
• Guaranteed Issue with Pre-ex Waived for all • Post-Enrollment Guaranteed Issue
Covered Insureds (GX2) (PEGI) with Pre-ex
• True Guaranteed Issue with Pre-ex
Waived (GX)
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 4 of 7

5. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
Colonial Life Colonial Life
Group Medical Bridge 1.0 Medical Bridge 3000
Age-Banded Rates, GI Underwriting Standard Underwriting: full underwriting
Requirements and • No employer contribution required
Underwriting Post-Enrollment Guaranteed Issue
Options • For Hospital Confinement Levels 1-6 (PEGI)
($500-$3,000): participation: greater of 10 • Minimum account size is 15
enrolled lives or 15% participation employees
• For Hospital Confinement Levels 7-10 • Participation: greater of 15 lives or
($3,500-$5,000): participation: greater of 10 20% participation
enrolled lives or 20% participation • Available for the employee and
GX2 Underwriting spouse
• No employer contribution required • Pre-ex applies
• Available with all Hospital Confinement
Levels True Guaranteed Issue with Pre-ex
• Participation: greater of 10 enrolled lives or Waived (GX) for the Employee
50% participation • Not available in: FL, NV or PA
• No pre-ex and no Birth Limitation for
the employee only
• Minimum: 15 lives
• Participation: greater of 15 lives or
50% participation
• GI for spouse, but pre-ex applies
Composite Rates, GI Underwriting Composite rates not available
Requirements and
Underwriting • At least 50% employer contribution
Options • Available with all Hospital Confinement
Levels
• Participation: greater of 10 enrolled lives or
25% participation
GX2 Underwriting
• At least 50% employer contribution
• Available with all Hospital Confinement
Levels
• Participation: greater of 10 enrolled or 50%
participation
Discounted GX2 Underwriting only Discounted composite rates not available
Composite Rates, • 100% employer contribution
Requirements and • Available with all Hospital Confinement
Underwriting Levels
Options • Minimum of 25 certificates enrolled
Pre-existing 12/12, when applicable 12/12, when applicable
Condition Limitation
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 5 of 7

6. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
Sample Monthly Premiums
Colonial Life Colonial Life
Group Medical Bridge 1.0 Medical Bridge 3000
Plan 2 Hospital Confinement $1,000 Plan 2 Hospital Confinement $1,000
Outpatient Surgery Option 1 Outpatient Surgery Option 1
Plus the Health Screening Benefit Rehabilitation Unit Confinement Benefit
Plus: the Health Screening Benefit,
17-49 Age Band 17-49 Age Band
Age-Banded Rates
Named Insured $17.02 Named Insured $18.50
Named Insured/Spouse $30.51 Named Insured/Spouse $39.65
Named Insured/Children $25.20 Named Insured/Children $31.55
Named Insured/Spouse/Children $38.70 Named Insured/Spouse/Children $48.05
50-59 Age Band 50-59 Age Band
Named Insured $22.59 Named Insured $25.60
Named Insured/Spouse $43.70 Named Insured/Spouse $54.70
Named Insured/Children $30.77 Named Insured/Children $38.10
Named Insured/Spouse/Children $51.88 Named Insured/Spouse/Children $62.10
60-64 Age Band 60-64 Age Band
Named Insured $29.70 Named Insured $33.40
Named Insured/Spouse $59.92 Named Insured/Spouse $72.70
Named Insured/Children $37.88 Named Insured/Children $46.80
Named Insured/Spouse/Children $68.10 Named Insured/Spouse/Children $58.60
65+ Age Band 65-74 Age Band
Named Insured $38.63 Named Insured $41.90
Named Insured/Spouse $79.08 Named Insured/Spouse $91.05
Named Insured/Children $46.81 Named Insured/Children $58.60
Named Insured/Spouse/Children $87.27 Named Insured/Spouse/Children $98.80
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 6 of 7

7. Colonial Life & Accident's Supplemental Hospital Confinement Indemnity Products
Group Medical Bridgesm 1.0 and Medical Bridgesm 3000
Source: Group Medical Bridge 1.0: certificate form GMB1.0-C. Medical Bridgesm 3000: form number MB3000
Colonial Life Colonial Life
Group Medical Bridge 1.0 Medical Bridge 3000
Plan 2 Hospital Confinement $1,000 Plan 2 Hospital Confinement $1,000
Outpatient Surgery Option 1 Outpatient Surgery Option 1
Plus the Health Screening Benefit Plus: the Health Screening Benefit,
Rehabilitation Unit Confinement
Composite Rates Named Insured $20.56 Not applicable
(requires at least 50% Named Insured/Spouse $40.14
Employer Contribution) Named Insured/Children $29.15
Named Insured/Spouse/Children $48.72
Not applicable
Discounted Composite Named Insured $17.47
Rates (requires 100% Named Insured/Spouse $34.11
Employer Contribution) Named Insured/Children $24.77
Named Insured/Spouse/Children $41.41
CONFIDENTIAL
This comparison has been prepared for the training and education of the Colonial Life & Accident Insurance Company employees and benefits
counselors only. It should not be shown or given to prospective insureds or employers of prospective insureds. This comparison provides a very brief
description of some of the important features of these plans. May vary by state. This is not an exact description. This product has exclusions and
limitations that may affect benefits payable. Any other use of this comparison has not been authorized by Colonial Life. JLP 2-18-2011
Page 7 of 7