Benefits Handbook

In the event of your death before your benefit commences, a death benefit will be payable under the Marsh & McLennan Companies Retirement Plan if you have a vested Accrued Benefit at the time of your death and there is an eligible survivor. If you do not have a vested Accrued Benefit or there is no eligible survivor, no death benefit is payable. If you die before your Benefit Commencement Date and a death benefit is payable, the amount of the death benefit will depend on your Accrued Benefit at the time of your death, your age at death, and whether you were an active or terminated employee at such time. If you die after your Benefit Commencement Date, a death benefit will be paid only if you elected a payment form that provides for a continuing benefit to a designated survivor in the event of your death.