NOTICE OF CLASS ACTION LAWSUIT United States District Court for the Southern District of California Keir Milan, et al., v. Protective Life Insurance Company, et al., Case No. 3:22-cv-01861-W-AHG Protective Life Insurance Company (“Protective”) and West Coast Life Insurance Company (together “Defendants”), terminated life insurance policies for non-payment of premium according to the terms of the original contracts, but for a period of time were not attempting to comply with California Insurance Code Sections 10113.71 and 10113.72 (the “Statutes”), which relate to termination of life insurance policies. The Settlement is not a finding or admission of liability by Defendants, which deny all allegations of wrongful conduct. Protective Life administers certain policies issued by West Coast Life Insurance Company, Protective Life and Annuity Company, Athene Annuity & Life Assurance Company, Reliance Standard Life Insurance Company, Standard Insurance Company, Voya Life Insurance Company, Aetna Life Insurance Company, Anthem Life Insurance Company, American General Life Insurance Company, Jefferson National Life Insurance Company, John Hancock Life Insurance Company, MONY Life Insurance Company, MONY Life Insurance Company of America, MONY Life Insurance Company of Boston, Great-West Life & Annuity Insurance Company, Commonwealth Annuity and Life Insurance Company, Everence Association Inc., Equitable Financial Life Insurance Company of America, First Variable Life Insurance Company, Humana Dental Insurance Company, Nationwide Life Insurance Company, Optum Insurance of Ohio, Inc., Sunset Life Insurance Company of America, Unum Life Insurance Company of America, Lincoln National Life Insurance Company, and Zurich American Life Insurance Company. Visit the Settlement Website, www.lifeinsurancelapsesettlement.com, to confirm whether a policy issued by one of these companies is included in the Settlement. Am I a Class Member? Class Members are Policy Owners of individual life insurance policies issued or delivered in California by Protective (or administered by Protective), that were not affirmatively canceled in writing by the policy owner and that: (i) terminated for non-payment of amounts due on or after January 1, 2013, without Protective first providing all the protections required by the Statutes; and (ii) have a Maturity Date that did not expire prior to the insured’s death, or if the insured is still living, prior to the date the Preliminary Approval Order is entered (“Class Policies”). If the named insured under the Class Policy is deceased as of the date of the Preliminary Approval Order, the beneficiary(s) of the Class Policy may also be Class Members. What Can I Get? If approved by the Court, the Settlement offers the following settlement relief to Class Members: (1) if the named insured under the Class Policy is alive as of the date of the Preliminary Approval Order, the Policy Owner, upon timely payment of the Discounted Reinstatement Amount, can reinstate the Class Policy without underwriting and without triggering a new contestability period under the Class Policy; (2) if the named insured under the Class Policy is deceased as of the date of the Preliminary Approval Order, the beneficiary(s) of the Class Policy may be entitled to a monetary payment, which will be determined based on the Plan of Allocation, as described in the Settlement Agreement. How Do I Get Settlement Relief? Class Members must submit a timely and properly completed Claim or Reinstatement Request Form no later than September 19, 2025. Claim and Reinstatement Request Forms are available online at www.lifeinsurancelapsesettlement.com or by contacting the Settlement Administrator at 1-844-901-4092. COMPLETING A CLAIM OR REINSTATEMENT REQUEST FORM DOES NOT GUARANTEE THAT YOU WILL RECEIVE RELIEF. What are My Other Options? If you are a Class Member associated with a Class Policy where the named insured is deceased as of the date of the Preliminary Approval Order and you do not want to be legally bound by the Settlement, you must exclude yourself from the Settlement Class by September 19, 2025. If you timely and validly exclude yourself from the Settlement Class, you cannot get settlement relief, but you will keep any rights you may have to sue the Defendants over the legal issues in the lawsuit. If you stay in the Settlement Class, you may object to the Settlement in writing by September 19, 2025. The Detailed Notice available at the Settlement Website explains how to exclude yourself from the Settlement Class and how to object to the Settlement. The Court will hold a Fairness Hearing on October 24, 2025 to consider whether to approve the Settlement; whether to approve Class Counsel’s request for attorneys’ fees (up to $20,000,000.00) and litigation costs (up to $240,000.00); and whether to award the Class Representatives $10,000 each for their services in helping to bring and settle this case. You may appear at the hearing, but you are not required to attend. You may also hire your own attorney, at your own expense, to appear or speak for you at the hearing. For more information, call or visit the Settlement Website. This Notice is a summary only. For more information, please visit www.lifeinsurancelapsesettlement.com or call 1-844-901-4092.