Take the first step. towards a lifetime of protection for you and your family.

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1 To: Re: All Benefit Eligible DHHS employees Life Insurance enrollment/new offer for existing ING policyholders During last year s enrollment, we offered all DHHS employees who have the term life insurance an option to convert part or all of their term life to whole life. This option was so well received we are offering the option again during the enrollment period of to You will have an opportunity to convert all or part of your term life coverage to whole life. This will ensure your rates will never increase and your coverage will never decrease. CURRENT OFFER FOR EXISTING VOYA TERM LIFE POLICYHOLDERS October 15, 2015 to November 18, 2015 VOYA (Bankers Security on your payroll deduction) is offering all VOYA term life policyholders the opportunity to convert your term life to VOYA s whole life coverage. This offer will include guarantee conversions rights up to $100,000 depending on age. You may elect to convert all or part of your existing term life coverage. Dependent coverage can also be converted; health questions will apply. This is a one-time offer on a guarantee issue* basis. Some of the benefits of conversion are: Rates are locked in at your current age Level rates are guaranteed; they will never increase Coverage amounts never reduce Coverage may be kept at the same rate when you leave employment *Benefit counselors will be throughout DHHS starting October 15, 2015 to November 18, 2015 to review your current coverage and provide details on guarantee issue and rates for the whole life conversion. You may also call Pierce Insurance at in order to get rates and enroll. Remember, this is a one-time guarantee issue offer that will provide you with life insurance rates that are guaranteed to never increase. If you do not have term life coverage you may apply during this time. TERM LIFE Coverage is designed to give you maximum coverage during your working years Rates increase as you enter a new 5 year age bracket Plan does not include cash value Plan includes Everest Funeral Planning. This service allows you to preplan and compare the prices and services of funeral homes locally and nationally Plan is portable; you can keep it when you leave employment Coverage amounts decrease by 35% at age 65, by 50% at age 70 and terminates at age 70 if you are not employed. Plan will convert when you leave employment. Conversion rates are based on age at the time of enrollment. You may enroll for term life by calling or view rates and download an application by going to and click DHHS under policyholder services. Comparison of Term and Whole Life is provided on the back. 1

2 Helping to ensure a lifetime of financial protection for your family is worth talking about. You can take the first step today. Think about what obstacles challenge your financial path the unpredictably of pensions and retirement plans, the solvency questions surrounding Social Security, the volatility caused by a mounting national debt. How do you navigate that rocky road? Now think about the range of your family s possible financial needs mortgage, secondary school or college education, child care, elder care for your parents...the list goes on. And on. Take the first step towards a lifetime of protection for you and your family. So how do you build a plan of financial protection? Start with whole life insurance designed to provide a strong foundation of life insurance coverage. Whether by itself or combined with term life, it can be used in the unfortunate circumstance of the death of a breadwinner, homemaker or cherished loved one. What other benefits can whole life insurance provide? Coverage isn t tied to your employment you can take the benefit with you if and when you leave your current employer, and keep it all the way into retirement if you choose. The cost you pay for this coverage won t change, which helps with your personal financial planning. The policy builds cash value from which you can borrow when needed. But what if you already own term life insurance? The simple answer: great! While you may own term life insurance, the fact is you may not have enough coverage to adequately protect your family or meet their future financial needs. According to a recent Life Insurance and Market Research Association (LIMRA) study, 50 percent of employees surveyed said they needed more life insurance. However, only 44% of U.S. households have individual life insurance, and 30% have no life insurance at all.* Combining term and whole life insurance can offer the substantial financial protection you and your family deserve. Term Life and Whole Life Stability for the long run Whole life insurance complements term life insurance in some important ways, ensuring stability for the long run. Term Life Insurance A cost effective way of securing life insurance coverage for a specific period of time. The cost increases as you get older. Does not accumulate cash value. & Whole Life Insurance A moderately priced means to secure life insurance coverage for a lifetime, provided sufficient premiums are paid. The cost stays the same for the life of the policy. The investment portion of the policy has the potential to accumulate cash value on a tax-deferred basis. You may be able to borrow generally tax-free** against your cash value and pay back the loan with interest. Any unpaid loan would be subtracted from the death benefit. * LIMRA. Facts About Life ** This communication is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that may be imposed on such person, and cannot be used or referred to, in promoting, marketing, or recommending to another party any transactions or matters addressed herein.

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6 Peace of mind when it s needed the most Funeral Planning Services A value-added service offered with your Group Life Insurance offered by Voya Employee Benefits, a division of ReliaStar Life Insurance Company. Funeral planning services provided by Everest Funeral Package, LLC. Everest is pleased to provide a value-added service that empowers individuals who are dealing with funeral related issues. Who is Everest? Everest, the first nationwide funeral planning and concierge service, is an independent consumer advocate who works on your behalf. Everest s sole purpose is to provide the information you need to make the most informed decisions about all funeral related issues, and then put those wishes into action. You re never locked into a decision because Everest s funeral advisory services can be used at any funeral home across North America. Everest is an impartial consumer advocate, not a funeral home. Everest does not sell funeral goods or services, nor does Everest receive any commissions from funeral homes or other service providers in the funeral industry. With Everest, you are removed from a sales-focused environment allowing you and your family to make well-informed and confident decisions during a stressful time. Everest offers both pre-planning and at-need services at or near the time of need. Everest's online planning tools help you prepare for the future. At-need services include price negotiation assistance and communicating the family's wishes to the funeral home. Everest Advisors are available by phone 24/7 and can determine eligibility for the expedited life insurance claim process. While you can t predict life s outcome, you can prepare for it...

7 Who is Eligible? Everest can be used to plan a funeral for an employee; a spouse or domestic partner; or an employee's dependents up to age 26.* Getting Started Create an online profile and use Everest s planning tools: Visit: Enter your address and your employer s name Create a password and complete your online profile Access Planning Tools If you do not have access to a computer, Everest Advisors are available 24/7 by calling Everest s services include: Pre-planning services 24/7 Advisor Assistance To discuss funeral planning issues PriceFinder SM Research Reports The only nationwide database of funeral home prices Detailed, local funeral home price comparisons Online Planning Tools Include: Personal Profile 10 Key Decisions Planner My Wishes Planning Guide Reference Guide Information stored and maintained in a secure data warehouse At-need services At-Need Family Support Family assistance and plan implementation Communicate the Personal Funeral Plan to the funeral home; removing the family from a sales-focused environment Provide 24-hour assistance throughout the funeral process Expedited life insurance claim process. Eligible New! beneficiaries may have access to a portion of the life insurance funds in as little as two business days following receipt of the claim form.** Negotiation Assistance Gather pricing information and present it to the family in an easy-to-read format Negotiate funeral service pricing with local funeral homes Help the family compare prices of caskets and other products **Availability may vary by state. For more information, please visit: * Spouse or domestic partner coverage varies depending on the terms of your employer s group life insurance coverage. Contact your employer for more information. Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX Product availability may vary by state. Insurance products are issued by ReliaStar Life Insurance Company, a member of the Voya family of companies. ReliaStar Life Insurance Company Home and Administrative Office: Minneapolis, MN. Products and services may not be available in all states ING North America Insurance Corporation. LG /01/2014 Voya.com