Group Term Life Insurance is

one of the most basic

benefits available. Life insurance

is a basic necessity for most people

and Group Term Life provides

“no-frills” life insurance coverage

at “no-frills” rates.

Life Insurance is the backbone of

many peoples’ financial plans. By

providing access to this kind of term

life plan, groups can help provide for

the varying levels of life insurance

coverage their Members need in

their various life stages.

Term Life Insurance PlansA Variety of Basic and Voluntary Term Life Options for Today's Group Benefits Realities.

EligibilityMembers, Lawful Spouses and DependentChildren are eligible for the Plan. For thevoluntary plan, the application process is verysimple, with just a few questions about generalhealth. Depending on the amount applied-forand the information provided on the application,additional information may be requested, butcomplete medical exams are rarely required.

Guaranteed IssueA group may provide coverage for all of itsMembers without requiring evidence ofinsurability. In some instances (such as newMember benefits), coverage may be provided undera voluntary plan with little or no underwriting.

Plan Optionsn Basic non-contributory coverage for

all members.

n Voluntary plan benefits up to $250,000 or more.

n Spouse and Dependent coverage.

Coverage OptionsThe plan you select can be a very basicprogram, offering simply a straight term lifebenefit, or can be designed to include some of these special features.

Accidental Death & Dismemberment

This can pay up to 100% of the selected faceamount if an Insured (Member, Spouse or,Dependent) dies as the result of a coveredaccident. It also can cover accidental injurieswhich result in the loss of a limb or fingers. It'sa great way to substantially increase the benefitwithout significantly increasing the cost.

Common Carrier Coverage

This pays an additional benefit if an Insured diesas the result of a common carrier accident (e.g.commercial airplane, train, bus or cruise ship).

Escalator Benefit

This benefit provides for periodic increases inthe Insured’s face amount, without anyadditional underwriting, to help ensure theircoverage keeps up with inflationary trends.

Premium Waiver Benefitsn The Disability Waiver: if the Insured

Member is under age 60 and becomesdisabled for a specified period of time(usually 6 consecutive months), coveragewill be continued without further premium payments.

n The Involuntary Unemployment Waiver:If the Insured Member becomesinvoluntarily unemployed, premiums will be suspended for up to six months,after a waiting period of 90 or 180 days.

n Continuation of Coverage: If the InsuredMember dies while covered under the plan and is survived by a covered Spouse,coverage for the Spouse and any coveredDependents will continue withoutpremium payment, for six monthsfollowing the month of the InsuredMember’s death.

Accelerated Benefits

The plan can be designed to include aprovision where the Insured can collect up to50% of the selected benefit amount under oneor both of the following circumstances.

n Terminal Illness: to provide for a variety ofimmediate needs, an Insured can elect toreceive an advance on the selected benefitamount if he or she is diagnosed by twounaffiliated doctors with a terminal illness,with a prognosis of 12 months or less to live.

n Nursing Home Confinement: if an Insured ispermanently confined in a nursing home,they may elect to receive an advance ontheir selected benefit amount, either in alump-sum or in 25 equal, monthlyinstallments. In order to qualify for thisfeature, the Insured must also satisfy aspecified waiting period -- usually 90 days.

Once a benefit is paid under an AcceleratedBenefit, either Terminal Illness or NursingHome confinement, the life insurance benefitpayable at death will be reduced by the amountpaid. An Insured is eligible for only oneaccelerated benefit during his or her lifetime.

Term Life Insurance Plans

NOTE:This information is intended to be a brief overview of the benefits available under this Plan. It does not provide costs,limitations, exclusions and terms under which the coverage may be kept in force. The Plan is subject to state filing andapproval, and may vary slightly, or not be available by jurisdiction in accordance with applicable laws and regulations.

CIGNA Group Insurance products and services are provided exclusively by underwriting subsidiaries of CIGNA Corporation,including Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and ConnecticutGeneral Life Insurance Company. “CIGNA” is used to refer to these subsidiaries and is a registered service mark. Thisprogram may not be available in all states.

Term Life Insurance Plans

Other Life Insurance Programs...Substandard Term Life PlanIf an applicant has been declined for ourregular Term Life plan, we can offer a limitedplan of increasing term life coverage withaccidental death benefits.

This type of plan is usually constructed with a target benefit of $10,000 or $20,000. Theinitial year's coverage is 5% of that targetamount and increases by an additional 10% ofthe target benefit each year for the first nineyears, and by an additional 15% of the targetbenefit in the 10th year. This is typicallybundled with accidental death coverage of$50,000 or $100,000.

Member-Firm PlansIf a group has Members which are employersinstead of individuals, we also offer a groupterm life plan specifically designed to offeremployee benefits for companies with as few as two employees. Coverage levels can becustomized for each Member Firm and costs are calculated based on each individual firm'scensus, zip code and SIC. This program doeshave mandatory employer contribution (atleast 50%) and participation requirements(based on the firm's size). More information is available upon request.

PLUS, now all of our Life Insurance plans with proceeds of $5,000 or more comewith a special no-cost benefit that provides critical assistance for an insured's lovedones when they need it the most . . .

CIGNAssurance®

n Access to a Free Interest Bearing Account with Draft Privileges.

n Free, Confidential Bereavement Counseling, by phone,with Grief Counselors, included 24 hours/7 days a week.

n Free, Face-to-Face, Counseling Sessions with Trained,Professional Behavioral Health Experts.

n Free Legal Assistance, by phone, from Licensed, Practicing Attorneys.

n Free Planning Guidebook Helps Beneficiaries NavigateThrough Legal and Financial Responsibilities.

n Free Financial Assistance, by phone, from ExperiencedFinancial Professionals.