Note: This page contains a brief summary of coverage. It does not state all provisions and limitations of the plan. The terms and provisions of each plan, as outlined in the plan document, will determine coverage and eligibility.

General Plan Information
Base Plan Benefit	1 x Salary
Base Maximum Benefit	$300,000.00
Base Minimum Benefit	$10,000.00
Buy-up Benefit	1 x Salary 2 x Salary 3 x Salary
Buy-up Maximum Benefit	$500,000.00
Guarantee Issue	$300,000.00
Accelerated Benefit	Included: up to a maximum of $250,000 or 75% of the insured person's life coverage, whichever is less
Portability	Included
Airbag Benefit	Included
Seatbelt Benefit	Included, lesser of $10,000 or 10% of principal sum
Reduction of Benefits Schedule Age Reduction percentages are Cumulative. Age Reduction percentages are a percentage of the original benefit.   Years of Age Reduction (%) Reduction 1 65 35% Reduction 2 70 40% Reduction 3 75 35% Reduction 4 80 30% Reduction 5 85 25% Reduction 6 90 10% Costs will be calculated using the reduced benefit amount. Costs will be calculated using the full elected benefit amount, even though the actual benefit amount has been reduced.

Other Examples

Waiting Period Information
Eligible employees are eligible as of the 1st of the month following the employee's hire date.

Termination of Coverage Information
When a plan participant is terminated from the company, the plan coverage ends on the last day of the month following the employee's termination date.

  (per month)

Base Rate:	$0.15
Base Plan Rate Type:	Per $1,000 of benefit
Base Plan Contribution:	Employee contributes 0% per month.

ING Reliastar
http://www.ing.com

Member Services
John Carpet
2301 John St. West
Chicago, IL 48226
(212) 225-5890
Fax 345-133-4433

- Summary Plan Description

- Beneficiary Life

- Claim Form

- Request for Service