© 2017 ARAG North America, Inc. 200012 Manage Life’s LEGAL MATTERS With ARAG® Legal Insurance Count on a wide range of coverage and services to address personal legal and financial matters you may encounter in life: Limitations and exclusions apply. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call our toll-free number. 1 http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/ Debt Collection: The typical college grad has about $35,000 in student loan debt.1 ARAG provides Defense of Debt Collection so you can worry less about your debts. Traffic Violations: A ticket for speeding or running a red light can ding your driving record. A Network Attorney will help you defend a traffic offense — and represent you if needed. Contract Review: From signing an apartment lease to buying a car, ARAG Network Attorneys can help you review contracts and offer advice so you can feel confident. Consumer Protection: Get advice from an attorney for handling auto repairs, buying a car or addressing fraud whether you’re online, in the store or at home. Creating Will: A will may not be on your mind right now, but whether you're single and have modest means or married with kids, work with an ARAG Network Attorney to create your will. Tenant Matters: Whether you’re renting a house, apartment or condo, you need to know your rights and responsibilities as a tenant. ARAG Network Attorney can help you protect yourself. Identity Theﬅ : Recovering from the legal and financial aﬅermath of identity theﬅ can take months. Identity Theﬅ Case Specialists and online resources can help restore your good name. Most covered legal matters are 100% paid-in-full when you work with an ARAG Network Attorney. Wהn ’ y ’s l , visit ARAGLegalCenter.com, access code 12345abc.

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Manage Life’s LEGAL MATTERS

With ARAG® Legal Insurance

Count on a wide range of coverage and services to address personal legal and �nancial matters you may encounter in life:

Limitations and exclusions apply. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, bene�ts or exclusions, call our toll-free number.

1 http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/

Debt Collection: The typical college grad has about $35,000 in student loan debt.1 ARAG provides Defense of Debt Collection so you can worry less about your debts.

Tra�c Violations: A ticket for speeding or running a red light can ding your driving record. A Network Attorney will help you defend a tra�c o�ense — and represent you if needed.

Contract Review: From signing an apartment lease to buying a car, ARAG Network Attorneys can help you review contracts and o�er advice so you can feel con�dent.

Consumer Protection:

Get advice from an attorney for handling auto repairs, buying a car or addressing fraud whether you’re online, in the store or at home.

Creating Will: A will may not be on your mind right now, but whether you're single and have modest means or married with kids, work with an ARAG Network Attorney to create your will.

Tenant Matters: Whether you’re renting a house, apartment or condo, you need to know your rights and responsibilities as a tenant. ARAG Network Attorney can help you protect yourself.

Identity The� : Recovering from the legal and �nancial a�ermath of identity the� can take months. Identity The� Case Specialists and online resources can help restore your good name.

Most covered legal matters are 100% paid-in-full when you work with an ARAG Network Attorney.

Wהn �’� ��y � �� ’s ��l ��, visit ARAGLegalCenter.com, access code 12345abc.