Financial Wellness

Saving for retirement might feel like a distant goal, but starting early can make a big difference, and your 401(k) plan is a powerful way to get there. With a 401(k), you can set aside a portion of each paycheck into a retirement account, helping you build long-term financial security while taking advantage of valuable tax benefits.

You can choose between a Traditional 401(k), which lowers your taxable income now, or a Roth 401(k), which allows your savings to grow tax-free for the future. Either way, your contributions can help you build a strong foundation for retirement.

USLI 401(k) Plan Options Through Fidelity Investments

We’re committed to helping USLI community members plan for a secure financial future. That’s why all community members have access to several 401(k) plan options through Fidelity Investments, making it easy to save for retirement directly from each paycheck.

• Automatic enrollment: All new community members are automatically enrolled in the 401(k) plan 30 days after their hire date, with a 3% pre-tax deferral contribution into a target-date fund. You can adjust this at any time to fit your goals.
• Flexible contributions: Community members can choose between Traditional (pre-tax), Roth (after-tax) or a combination of both.
• Investment options:
  • Target-date fund (default): Fidelity selects a fund based on each community member’s expected retirement date.
  • Self-directed: Community members choose and manage their own investments.
  • Advisor-directed: Community members can work with a financial advisor to build their investment strategy.
• Beneficiary management: Community members can select a beneficiary and review this information annually to keep it current.

Visit 401k.com to learn more. If you have questions, the USLI community member in your family can chat with a Fidelity representative at 1-800-343-3548.

• 2025 elective deferral limit: $23,500
• 2025 catch-up deferral limit for those 50+: $7,500
• Special catch-up deferral limit for those 60-63: $11,250

Family members can open their own Fidelity savings, brokerage or IRA accounts and access of all the tools and resources offered by Fidelity. Take advantage of the “Plan & Learn” section — the go to hub for financial education and support.

Want to dive deeper? Fidelity offers live workshops monthly on practical topics to help your family get expert guidance and ask questions in real time. Topics include:

• Create a Budget and Build Emergency Savings
• Fundamentals of Retirement Income Planning
• Learn the Basics of When and How to Claim Social Security
• Investing for Beginners

Still have general 401(k) or investment questions? Contact:

Eric Drossner, Director of Retirement Services at The Haverford Trust Company
edrossner@haverfordquality.com
610-995-8726

A profit-sharing plan is a type of retirement benefit by the company, no employee contributions required. It’s a way for a company to invest in employees’ futures by sharing its success with them. Not all companies offer this kind of plan, so it’s a valuable part of the total benefits package at USLI.

Here’s how USLI’s profit-sharing plan works:

• Automatic enrollment: Community members are enrolled in the plan on their start date, no action required other than designating a beneficiary.
• Company contributions:
  • USLI community members receive up to 15% of their total salary.
  • Gateway Consolidated community members receive up to 10%.
  • Total salary includes base pay, bonuses, commissions, overtime and more.
• Vesting schedule: Community members gain 20% ownership of their account each calendar year, becoming fully vested after five full years.
• Eligibility for part-time people and college students: As of January 1, 2022, employees who work more than 500 hours per year may be eligible.
• Account access: While community members don’t manage this account directly, they receive annual statements showing their balance, including contributions and interest.
• Retirement access: Funds become available at age 59½.
• Plan management:
  • Managed by Haverford Trust
  • USLI community members can update their beneficiary anytime using this form.

This benefit is a meaningful part of your family’s long-term financial wellness. If you have any questions, please have your family member who works at USLI reach out to Samantha Berrang, ext. 2625, on the Accounting team.

SupportLinc: Our Employee Assistance Program (EAP)

Balancing work and your personal life isn’t always easy — and that’s okay. USLI’s Employee Assistance Program (EAP), offered through SupportLinc, is here to help. This confidential, company-sponsored benefit provides free access to short-term counseling, expert advice, and referrals for a wide range of personal and work-related challenges.

Whether you're facing stress, financial concerns, family issues or legal questions, SupportLinc is available 24/7 to support USLI community members and immediate family members.

Here’s what you can access:

• Five no-cost sessions (per condition, per year) 
• Free 30-minute consultation with a lawyer
• Multiple ways to connect: Textcoach, phone, video, in person, mobile app or digital group support
• Helpful resources — use the SupportLinc dashboard to explore videos, articles and tools designed to guide you through everyday challenges. Example topics include:
  • Legal and Financial Planning
  • Creating a Will
  • Guide to the FAFSA

Visit the SupportLinc Portal and use group code usli to get started.

USLI offers classes providing up-to-date information and resources to help you prepare for retirement. Log in to ULearn and use the keywords "retirement" or "social security" to see all the courses available. Need help accessing Family ULearn? Reach out to our People's College team.

For additional information, utilize the resources below:

• The United States Social Security Administration | SSA
• For Medicare questions:
  • Visit this page
  • Contact Diane Duda at dsduda.rsvp@gmail.com or 610-834-1040, ext. 172

If you have a family member working for USLI in Canada, they are eligible* for a Registered Retirement Savings Plan (RRSP). An RRSP is a powerful way to save for the future while enjoying short- and long-term tax advantages. It’s designed to help Canadians build the retirement they want, with flexibility and support along the way.

USLI’s RRSP Through Canada Life

Your USLI family member who works at USLI can join the RRSP right away and contribute any amount up to the Canada Revenue Agency limit. Here’s what makes this plan valuable:

• Tax benefits: Pay less tax now and let investments grow tax-free
• Homeownership support: Participants can withdraw tax-free funds to buy their first home
• Flexible contributions: Deferral amounts can be changed anytime
• Investment options:
  • Target-date funds: Canada Life selects investments based on an individual’s retirement timeline
  • Self-directed: Choose and manage your own investments
  • Advisor-directed: Work with a financial advisor to build your strategy
• Easy access: Participants can create an account at mycanadalifeatwork.com to explore tools and resources
• Beneficiary management: Beneficiaries can be reviewed annually to stay accurate
• Support available: Chat with a Canada Life representative at 800-724-3402 if you have questions

Eligibility note: To participate, USLI Canada community members must have at least one year of prior work experience in Canada.

USLI offers a profit-sharing plan, which is a type of retirement benefit where the company contributes to USLI Canada community members’ accounts based on their earnings. Unlike an RRSP, community members don’t contribute to this plan themselves, but they do have control over how funds are invested.

Here’s how it works:

• Enrollment: Community members are eligible on their hire date, but they need to actively enroll to participate.
• Company contributions: USLI contributes up to 15% of community members’ total earnings (including base salary, bonuses, commissions and overtime) into their accounts at the beginning of each calendar year, based on the prior year’s earnings.
• Taxable income: These contributions are considered taxable income, so community members are taxed annually as if they received additional income. They can choose to withdraw funds from their accounts to help cover these taxes.
• Investment control: Community members decide how funds are invested, providing flexibility to align with your family’s financial goals.
• Beneficiary management: Community members select a beneficiary and are encouraged to review it annually to keep it up to date.

This plan is a meaningful part of USLI’s benefits package and a great way for your family to build long-term financial security. If you have questions or need help enrolling, reach out to the Benefits team at benefits@usli.com.

At USLI, we believe financial wellness is a lifelong journey, and we are here to support you every step of the way. Through USLI University’s People’s College, we offer a variety of financial wellness classes designed to help you and your family build confidence and knowledge around money matters.

We’ve partnered with The Haverford Trust Company and M&T Bank to bring you customized sessions on topics like:

• 401(k)
• Investing 101
• Estate Planning
• Fraud and Identity Theft
• … and more!

These classes are open to all USLI community members and family members, and they’re a great way to learn in a supportive, approachable environment. Need help accessing Family ULearn? Reach out to our People's College  team.

New in 2026: If you are a USLI family member, you attend a financial wellness class and you complete this form, you’ll be entered into a raffle to win prizes like a Fitbit watch, Shokz headphones, a white noise machine and other great giveaways!

• Free Credit Reports | Consumer Advice
• Budget Worksheet
• How money smart are you?
• AARP
• Military benefits
• Consumer Financial Protection Bureau

• The Ramsey Show
• Women & Money
• How to Money
• Planet Money

• Rich Dad, Poor Dad
• The Psychology of Money
• The Intelligent Investor
• Think and Grow Rich
• Atomic Habits