Valuable Benefits:

• Member and Spouse Coverage Available
• No Medical Exam Required
• Choice of Benefit Amount from $10,000 up to $50,000
• Affordable Group Rates
• Living Benefits Included (Accelerated Life Benefit)

Coverage is provided under the terms of a group life insurance policy, Group Policy number 64269-0, issued and delivered in the state of Minnesota to the Minnesota Society of Certified Public Accountants as the policyholder. The group life insurance policy is administered on behalf of ReliaStar Life Insurance Company by Marsh U.S. Consumer, an insurance administrator licensed in the state of Minnesota.

Member and Spouse Coverage

MNCPA members age 50 through 74 who reside in the United States are eligible to apply for this coverage as long as they are able to perform the daily living activities of the person of like age and sex. A member’s spouse residing in the United States who is between the ages of 45 through 75 may also apply for coverage as long as they are able to perform the daily living activities of a person of like age and sex.

Note: You don’t have to apply for coverage in order for your spouse to request life insurance.

No Medical Exam Required
You are not required to take a physical or medical exam to be accepted into this plan. All it takes is satisfactorily answering to the insurer the questions on the application.

Choice of Benefit Amounts
You and your spouse can select a life insurance amount of $10,000 to $50,000 (in increments of $5,000).

Living Benefit Included (Accelerated Life Benefit)
You can receive up to 50% of your insurance amount you select if you are diagnosed as terminally ill with a life expectancy of six months or less. You must have at least $5,000 in life insurance coverage in force to qualify and be under age 75. Your beneficiary will receive the remainder of your benefit after your death.

Note: Receipt of this benefit may affect your eligibility for public assistance programs and may be taxable. Prior to applying to receive such benefits, you should seek the advice of a qualified tax advisor.

For rates and coverage amounts not listed, contact the Plan administrator. Rates shown are guaranteed until February 1, 2012.

*MNCPA members’ Spouses ONLY can apply for coverage starting at age 45 (and continue coverage through age 74). MNCPA members can apply for coverage starting at age 50 (and continue coverage through age 74).

For your convenience, you will be billed just four times a year. Coverage begins on the first day of the month following approval by ReliaStar Life and payment of first premium. Coverage continues with no decrease in benefits until you reach age 75. At age 75, benefits reduce to 50%. At age 80, benefits reduce to 25%. At age 85 and after, benefits will be a maximum of $2,500.00. Coverage cannot be canceled as long as you remain a Member of the Minnesota Society of Certified Public Accountants, pay your premiums when due and the group contract remains in effect.

Satisfaction Guaranteed: You may return your Certificate of Insurance within 30 days if you are not completely satisfied with the coverage this plan provides. Any premiums paid will be fully refunded. Any claims paid under the group policy during the initial 30–day period will be deducted from the refund submitted.

Exclusions: The only exclusion is if you commit suicide, while sane or insane, within two years of the date your insurance or increase in insurance starts.

Effective Date: Coverage will become effective on the first day of the month on or after the later of the following dates: ReliaStar Life approves you or your spouse’s proof of good health; you or your spouse’s premium is received; you or your spouse become eligible for insurance; or you or your spouse apply for insurance, if proof of good health if not required.

When Coverage Ends: Your insurance stops on the earliest of the following: the last day of the month during which you are not longer eligible for insurance under the group policy; the date the group policy stops; or the end of period for which you paid premiums, if you do not make the next required premium contributions when due.

This information is a brief description of important features of the MNCPA Senior Group Term Life Insurance Plan. It is not a contract. Terms and conditions of coverage are set forth in group policy 64269–0 issued to the Minnesota Society of Certified Public Accountants. Full details are contained in the Certificate of Insurance, which will be issued to persons who become insured under the Plan. This Plan may not be available to residents of all states. Availability may change. Policy form LP08GP.

Issued by ReliaStar Life Insurance Company, a member of the ING family of companies.

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