Payment Protection is optional and is underwritten by Co-operators life Insurance Company. Supporting services,
such as enrollment intake, medical underwriting and claims administration, are provided by the employees of
CUMIS Services Incorporated, a subsidiary of Co-operators life Insurance Company. Coverage is governed by the
terms and condit ions of the creditor group insurance policy issued to the group policyholder and is subject to terms,
conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full
coverage details. To contact CUMIS, a division of Co-operators life Insurance Company, visit cumis.com or call
1-800-263-9120.