Hall University Hartford Life and Accident Insurance Company (HLA)Annual Enrollment Rev Period 03/08. Rev 03/08

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1 S VL1_Value Supplemental Life Insurance This this text box here. A post process uses the text above to do a "Find/Replace" of va- riable text and the header. Template: Bhs_life_ep4 Supplemental Life Insurance Benefit Highlights Seton Hall University What is S upplemental Life I nsurance? S upplemental Life Insurance is coverage that you pay for. S upplemental Life Insurance pays your you are covered. beneficiary ( please see below) a benefit if you die while This highlight sheet is an overview of your Supplemental Life Insurance. Once a group policy is i ssued to your employer, a certificate of Insurance will be available to explain your coverage in detail. Why do I need S upplemental L ife Insurance? Am I eligible? S upplemental Life Insurance p rovides affordable financial security for your loved ones, a lthough when it comes down to it, contemplating some pretty unpleasant things is hard to do. B ut when you consider the fact that between 1995 and 1997, almost 40% of all deaths that 1 occurred were people between the ages of 25 and 64, it s harder to ignore. Especially when your family depends on your income. 1D eath Rates by Age, Sex and Race: 1970 to 1997, U.S. Census Bureau, Statistical Abstract of the United States, 1999, page 95. Y ou are eligible if you are an active Full Time employee who works at least 35 hours per week o r a Permanent Part Time Employee who works at least 25 hours on a regularly scheduled basis. When can I enroll? EDuring nrollment the Annual in S upplemental Enrollment Life Period. Insurance begins 10/31/2008 and ends 11/21/2008. When is it effective? How much S upplemental Life Insurance c an I p urchase? I already have S upplemental Life Insurance c overage; do I have to do anything? C Coverage goes into effect subject to the terms and conditions of the policy. InYou no case must will be nactively ewly elected at Work benefits with your become employer effective on the sooner day your than coverage 1 /1/2009 otakes r t he first effect. of the month coincident with or next following 30 days of employment. You must be Actively at Work with your employer on the day your coverage takes effect. You can purchase S upplemental Life Insurance in increments of 1 up to 3 times your annual E arnings. times your annual E arnings The maximum amount you can purchase cannot be more than t he lesser of 3 t imes your annual Earnings o r $ 200,000. Annual E arnings are a s defined in The Hartford s contract with your employer. you take no action, your coverage and coverage for your eligible dependents w ill automatically continue with The Hartford subject to the terms of the contract. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Seton Hall Hall University University H artford Life and Accident Insurance Company (HLA) Enrollment Period 10/31/ /21/2008 Hartford Life and Accident Insurance Company (HLA)Annual Enrollment Rev Period 03/08 1 o f 8

2 Am I guaranteed coverage? The youguaranteed are currently issue participating amount is inthe this amount coverage of Insurance you may increase that you may yourelect current without coverage providing by 1 evidence t imes your of annual insurability. E arnings, not to exceed $ 200,000, without providing evidence of good health. you are electing coverage for the first time, you may elect coverage in the amount of 1 t imes your annual E arnings, not to exceed $ 200,000, without providing evidence of good health you are. Additional electing coverage amounts for the first will time, require or electing evidence to of increase good health your current that is satisfactory coverage, you to will Thebe Hartford required before to provide the excess evidence can of become insurability effective. that is satisfactory to The Hartford before coverage can become effective. A re What is a beneficiary? there other limitations to enrollment? Y our beneficiary is the person (or persons) or legal entity (entities) who receives a benefit p ayment if you die while you are covered by the policy. You must select your beneficiary when you complete your enrollment application; your selection is legally binding. I f you do not enroll within 31 days of your first day of eligibility, you will be considered a late e ntrant. Typically, late entrants must show evidence of insurability and may be responsible for the cost of physical exams or other associated costs if they are required. S pouse Supplemental Life Insurance you elect Supplemental Life Insurance f or yourself, you may choose to purchase S pouse S upplemental Life Insurance in the amount(s) of $ 5,000. C overage cannot exceed 50% of the amount of your Employee V oluntary/supplemental Life I nsurance coverage. You may not elect coverage for your Spouse i f they are an active member o f the armed forces of any country or international authority, or is already covered as an Employee under this policy. your Spouse i s confined in a hospital or elsewhere because of disability on the date his or her I nsurance would normally have become effective, coverage (or an increase in coverage) will be d eferred until that dependent is no longer confined and has performed all the normal activities of a healthy person of the same age for at least 15 consecutive days. This coverage is offered without requiring you to provide evidence of good health. C hild(ren) Supplemental Life Insurance D oes my coverage reduce as I get older? you elect Supplemental Life Insurance f or yourself, yo u may choose to purchase C hild(ren) S upplemental Life Insurance c overage in the amount(s) of $ 5,000 for each Child n o medical i nformation is required. Y ou may not elect coverage for your Child if your Child is an active member of the armed forces of any country or international authority. I f your dependent Child is confined in a hospital or elsewhere because of disability on the d ate his or her Insurance would normally have become effective, coverage (or an i ncrease in coverage) will be deferred until that dependent is no longer confined and has p erformed all the normal activities of a healthy person of the same age for at least 15 consecutive days. C overages reduces by 35% at age 65, 70 and 75 and then by 25% at age 80, 85, 90 and 95. All coverage cancels at retirement. Can I keep my Life coverage i f I leave my employer? Yes, subject to the contract, you have the option of: Converting your group Life coverage to your own individual policy (policies). I f you leave your employer, Portability is an option that allows you to continue your Life Insurance coverage. To be eligible, you must terminate your employment prior to S ocial Security Normal Retirement Age. This option allows you to continue all or a portion of your L ife Insurance coverage under a separate Portability term policy. Portability is subject to a minimum of $5,000 and a maximum of $ 250,000 and does n ot include c overage for your dependents. To elect Portability, you must apply and pay the premium within 31 days of the termination of your Life Insurance. Evidence of Insurability will not be required. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Hall University H artford Life and Accident Hartford Insurance Life and Accident Company Insurance (HLA) Enrollment Company Period (HLA)Annual 10/31/200 Enrollment 8-11/21/2008 Period 2 o f 8

3 D o I still pay my Life I nsurance premiums if I become disabled? you become totally disabled before age 60 and your disability lasts for at least 9 m onths, your Life Insurance premium may be waived. T he premium for your dependent s coverage will also b e waived if you are disabled and approved for waiver of premium. Coverage for your dependents will end if the policy terminates. Important Details As is standard with most term life Insurance, this Insurance coverage includes limitations and exclusions: The amount of your coverage may be reduced when you reach certain ages. Death by suicide (two years). O ther exclusions may apply depending upon your coverage. Once a group policy is issued to your employer, a certificate of Insurance will be available to explain your coverage in detail. T his Benefit Highlights Sheet is an overview of the Insurance being offered and is provided for illustrative purposes only and is not a c ontract. It in no way changes or affects the policy as actually issued. Only the Insurance policy issued to the policyholder (your e mployer) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your Insurance coverage. In the event of any difference between the Benefit Highlights Sheet and the Insurance policy, the terms of the Insurance policy apply. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Hall University H artford Life and Accident Hartford Life Insurance and Accident Company Insurance (HLA) ECompany nrollment (HLA)Annual Period 10/31/200 Enrollment 8-11/21/2008 Period 3 o f 8

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5 V ADDA1_Value Voluntary Accidental Death and Dismemberment Insurance This this text box here. A post process uses the text above to do a "Find/Replace" of va- riable text and the header. Template: Bhs_add_ep4 Voluntary Accidental Death and Dismemberment Insurance Benefit Highlights Seton Hall University What is V oluntary Accidental D eath and Dismemberment I nsurance? V oluntary Accidental Death and Dismemberment Insurance pays your beneficiary ( please see b elow) a death benefit if you die due to a covered accident while you are insured. It also pays y ou a benefit for certain accidental losses. Once a group policy is issued to your employer, a certificate of Insurance will be available to explain your coverage in detail. Death benefits are paid in addition to any life Insurance benefits. Voluntary Accidental Death and Dismemberment Insurance p ays benefits for accidental loss of limbs, thumb and index finger, speech, hearing, and sight. Voluntary Accidental Death and Dismemberment Insurance c overs losses that occur a way from work or at work. Benefits are paid regardless of any Worker s Compensation benefits you collect. This highlight sheet is an overview of your V oluntary Accidental Death and Dismemberment I nsurance. Why do I need V oluntary A ccidental Death and D ismemberment I nsurance? What does V oluntary A ccidental Death and D ismemberment Insurance cover? T he need to protect yourself and your family from the financial consequences of a severe injury, p aralysis or death resulting from an accident at or outside of work is real. According to the N ational Safety Council, about one in eight Americans is seriously injured in an accident each 1 year. Accident Insurance from The Hartford shields you and your family from income loss whether at home or away from home. 1 National Safety Council: Report on Injuries in America, Y ou may receive benefits due to certain losses or death from an accident. The covered losses or death can occur up to 365 days after that accident. The policy pays for: 100% of the amount of coverage you purchase in the event of accidental loss of life, or speech and hearing in both ears. O ne-half (50%) for accidental loss of one hand or foot, sight of one eye, or speech or hearing in both ears. One-quarter (25%) for accidental loss of thumb and index finger of the same hand. A dditionally, your Employer may have elected optional/supplemental benefits as part of your AD&D coverage. Refer to the certificate of Insurance for further information. Y our total benefit for all losses due to the same accident will not be more than 100% of the amount of coverage you purchase. W hat optional benefits has m y Employer selected as part of my V oluntary A ccidental Death and D ismemberment I nsurance? Adaptive Home and Vehicle Benefit Child Education Benefit Coma Benefit Common Disaster Benefit Dependent Child Dismemberment Benefit Loss of Use Benefit Permanent Total Disability Repatriation Benefit Seat Belt & Air Bag Spouse Education Benefit Therapeutic Counseling Benefit The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Seton Hall Hall University University H artford Life and Accident Insurance Company (HLA) Enrollment Period 10/31/ /21/2008 Hartford Life and Accident Insurance Company (HLA)Annual Enrollment Rev Period 03/08 5 o f 8

6 Am I eligible? Y ou are eligible if you are an active Full Time employee who works at least 35 hours per week o r a Permanent Part Time Employee who works at least 25 hours on a regularly scheduled basis. When can I enroll? EDuring nrollment the Annual begins 1 Enrollment 0/31/2008Period. and ends 11/21/2008. When is it effective? How much V oluntary A ccidental Death and D ismemberment Insurance can I purchase? D oes my coverage reduce as I get older? Coverage C goes into effect subject to the terms and conditions of the policy. InYou no must case be will Actively newly elected at Work benefits with your become employer effective on the sooner day your thancoverage 1/1/2009. takes You must effect. be Actively at Work with your employer on the day your coverage takes effect. You can purchase V oluntary Accidental Death and Dismemberment Insurance i n increments of $ 25,000. The maximum amount you can purchase cannot be more than 10 times your annual E arnings o r $ 500,000. E arnings a re as defined in The Hartford s contract with your employer. C overage reduces by 65% at age 70 and 45% at age 75, 30% at age 80 and 15% at age 85. Do I have to provide medical i nformation to receive coverage? N o medical information is required. You are guaranteed the amount of coverage that you select, subject to maximum amounts defined in your policy. What is a beneficiary? V oluntary Accidental Death a nd Dismemberment Insurance f or your dependents Your beneficiary is the person (or persons) or legal entity (entities) who receives a benefit p ayment if you die while you are covered by the policy. You must select your beneficiary when you complete your enrollment application; your selection is legally binding. Y ou are automatically the beneficiary for any dependent coverage and for any AD&D losses other than life. Y ou may also choose Voluntary Accidental Death and Dismemberment Insurance f or your Spouse and/or dependent Children. Dependent coverage is available only when you elect coverage for yourself. You may choose V oluntary Accidental in the following amounts: Death and Dismemberment Insurance f or your Spouse 60% of the amount you select for yourself if you do not have any Children whom you cover under this V oluntary Accidental Death and Dismemberment Insurance policy. 50% if you have Children whom you cover under this V oluntary Accidental Death and D ismemberment Insurance policy. You may not elect under this policy. coverage for your Spouse if your Spouse i s already covered as an Employee You may choose guaranteed Voluntary Accidental Death and Dismemberment each Child up to age 19 ( age 23 i f a student) in the following amounts: Insurance 15% of the amount you select for yourself if you do not have a Spouse w hom you cover under this V oluntary Accidental Death and Dismemberment Insurance policy. 10% if you have a Spouse whom you cover under this V oluntary Accidental Death and D ismemberment Insurance policy. f or Important Details As is standard with most Insurance, this V oluntary Accidental Death and Dismemberment Insurance i ncludes limitations and exclusions. V oluntary Accidental Death and Dismemberment Insurance does not cover losses caused by or contributed by: The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Seton Hall Hall University H artford Life and Hartford Accident Life Insurance and Accident Company Insurance (HLA) Company Enrollment (HLA)Annual Period 10/31/200 Enrollment 8-11/21/2008 Period Rev Rev 03/08 03/08 6 o f 8

7 Sickness; disease; or any treatment for either; A ny infection, except certain ones caused by an accidental cut or wound; I ntentionally self-inflicted injury, suicide or suicide attempt; War or act of war, whether declared or not; I njury sustained while in the armed forces of any country or international authority; T aking prescription or illegal drugs unless p rescribed for or administered by a licensed physician; I njury sustained while committing or attempting to commit a felony; The injured person s intoxication. O ther exclusions may apply depending upon the terms of your policy and other requirements. Once a group policy is issued to your employer, a certificate of Insurance will be available to explain your coverage in detail. This Benefit Highlights Sheet is an overview of the general purposes of the V oluntary Accidental Death and Dismemberment Insurance b eing offered and is provided for illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually i ssued. Only the Insurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, conditions, l imitations and exclusions of your Insurance coverage. In the event of any difference between the Benefit Highlights Sheet and the policy, the terms of the Insurance policy apply. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Offi ce of both companies: Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefi ts and terms under which the policies may be continued in force or discontinued. Seton Seton Hall Hall University University H artford Life and Accident Hartford Insurance Life and Accident CompanyInsurance (HLA) Enrollment Company Period (HLA)Annual 10/31/200 Enrollment 8-11/21/2008 Period Rev 7 o f 8

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