BASIC ANNUAL SALARY: Your annual earnings from the State as of each October 1, exclusive of overtime, bonus, allowances or additional compensation.

BENEFICIARY: The person, persons or entity to receive the death benefit.

OFFICE OF THE STATE EMPLOYER: Administrator of the life insurance contract.

PAY STATUS: The period of time during which you receive your basic annual salary because you are actively employed or using accumulated leave time.

POLICY: Group Master Policy Nos. GLG-5050 and GUG-J990.

RIDER: A policy provision added to the policy to expand or limit your benefits or coverage.

STATE: State of Michigan.

UNITED: Refers to United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175.

YOUR DEPENDENT: A person insured under the policy in accord with the dependent insurance provision of this Certificate-Booklet.

WE: United of Omaha Life Insurance Company.

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