Group Life and AD&D Insurance

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Features:

• Low-cost Group life insurance and AD&D for members and employees and their dependents.
• Liberal guaranteed issue limits.
• Voluntary additional coverage also available.

GROUP LIFE INSURANCE

Underwritten by ING ReliaStar Life Insurance Company

Eligibility:

This coverage is available to eligible members and their full-time employees. The member must participate for the employees to be eligible. All participants must be actively at work in order to be eligible.

Members and employees are eligible to apply for coverage up to a maximum of $500,000, in $5,000 increments subject to evidence of insurability. When each applicant provides evidence of insurability, each applicant may elect the amount of coverage that he or she needs for their life insurance needs.

If a practice/firm elects to pay 100% of the premium for eligible participants, then guarantee issue coverage is available, as outlined below.

Guaranteed Issue:
Guaranteed issue coverage is available if the practice or firm agrees to the following:

• Pay 100% of the premium on members and employees with all eligibles in the practice or firm participating.
• Cover all members and employees under age 70 who meet the practice or firm's terms for continuous employment to qualify for benefits, and
• Adopt one of the standard or custom-designed options described below.

PLANS AVAILABLE:

(Coverage beyond the guaranteed issue amounts above will require satisfactory proof of good health.)

• Plan 1: Members - 25,000   All others - $10,000
• Plan 2: Members and all others - 1 x annual earnings rounded up to the next $5,000, maximum $500,000
• Plan 3: Members and all others - 2 x annual earnings rounded up to the next $5,000, maximum $500,000
• Plan 4: Any other plan that meets IRS Guidelines and ING ReliaStar's guidelines.

Spouses of members and employees are eligible for $10,000, $25,000, $50,000, $75,000 or $100,000. All spouse coverage will be fully underwritten and will be issued under a Dependent Rider.

Member and employee benefits will reduce to 50% at age 70, and will terminate at retirement or age 80 unless still actively at work at age 80, then coverage will continue until employment terminates. Coverage for all persons will also terminate when the primary insured (MEMBER) is no longer a member of the sponsoring organization.

Waiver of Premium included for disabilities prior to age 70 for members and employees. If the waiver of premium provision is enacted, premium for the life of the member/employee will be waived, as well as the premium for any Dependent spouse and children's coverage.

Dependent Children's coverage is available at $10,000 per child age 6 months to 23 years. Children ages 14 days to 6 months are eligible for $1,000.

The Accelerated Death Benefit provides an early payout if a member has a life expectancy of 12 months or less. The payout will be up to 50% of the life benefit to a maximum of $100,000.

The plan includes a two-year suicide exclusion period.

Proof of Good Health Requirement
Proof of good health will be required:

• For any elected increase to your amount of life insurance.
• For any increase in the amount of dependent's insurance.
• For an eligible practice/firm with 3 but less than 10 employees, for amounts of insurance in excess of $50,000.
• For an eligible practice/firm with 10 but less than 25 employees, for amounts of insurance in excess of $100,000.
• For an eligible practice/firm with 25 or more employees, for amounts in excess of $150,000.
• For any amount of dependent spouse insurance.
• For any amount of dependent life insurance, if you apply more than 31 days after the date you become eligible for dependent's insurance.

GROUP LIFE INSURANCE
MONTHLY RATES* PER $1,000

*Plus a $5.00 billing fee.

Group Term Life for Dependent Children is $0.20 per $1,000 monthly coverage.

Billing Modes

Premiums may be paid monthly or quarterly.

Age Changes

Premiums increase in five-year age brackets as shown above. Age changes are processed the first of the month following the participants birth date.

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OPTIONAL BENEFIT

ING Travel Assistance Program
(provided by Worldnet Services Corp.)

Need Emergency Medical Assistance While You're Away?

Before you go...

You can easily plan upcoming trips by calling the ING Travel Assistance toll-free number to receive vital information before you leave or while you're enroute.

Pre-trip Assistance Services:

• Passport & Visa Information
• Health Hazards Advisory
• Inoculation Requirements
• Currency Exchange Information
• Consulate & Embassy Locations
• Weather Information

Medical Transportation Services:

Emergency Evacuation: If adequate medial facilities are not locally available, WorldNet will arrange and pay for the emergency evacuation to the nearest facility capable of providing appropriate care.

Medically Necessary Repatriation: If deemed medically necessary, WorldNet will arrange and pay for your return to your permanent place of residence under medical supervision once your condition has stabilizied.

Repatriation of Remains: If there is a death, WorldNet will arrange and pay for the return of mortal remains and will provide immediate family transportation.

Transportation of Traveling Companion: If you are hospitalized for more than seven (7) days and are traveling alone, WorldNet will arrange and provide a family member or friend with transportation to visit you in the hospital.

Return of Dependent Children: If you are traveling with children under 18 and are hospitalized for more than seven (7) days, WorldNet Services Corp. arranges, provides and pays for their return to your home with a qualified attendant, if necessary.

Medical Assistance Services:

• Locating Adequate Medical Care
• Medical Case Management Services
• Convalescence Arrangements
• Coordination of Medical Insurance
• Prescription Drug Replacement

Additional Services

• Translator and Interpreter Services
• Lost/Stolen Baggage Assistance
• Emergency Advance Medical Payment
• Emergency Message Services
• Emergency Cash Advance Services
• Emergency Credit Card Replacement
• Emergency Ticket Replacement
• Lost/Stolen Document Replacement
• Legal Assistance

This information is for summary purposes only. A complete description of the benefits and limitations will be found in the master insurance policies. The master insurance policies are the only contract under which benefit payments are made.