Group Term Life Insurance Plan

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1 Group Term Life Insurance Plan Is your family protected? Did you know that half of U.S. households do not have adequate life insurance coverage? ( Life Insurance Awareness Month, LIMRA, August 2013.) If you were removed from the picture, would your loved ones be able to maintain their lifestyle? Even if you have a policy in place, it may not be enough to help secure your family s financial future. Help ensure your family is protected with the TSCPA Group Term Life Insurance Plan. Benefit Features: > Portable coverage at affordable group rates > Choice of beneficiary > Coverage available for spouse and children > Accelerated Death Benefit > And more! Who is eligible? If you are a TSCPA member under age 65, or a full-time employee of a member under age 65, actively working 20 hours per week, and resident of the United States, you are eligible for this coverage. Coverage is also available for your lawful spouse under age 65, and your unmarried dependent children age 14 days to age 25. A spouse who is also a member or employee must apply for member or employee coverage. If both parents of an eligible child are insured as members or employees, only one may request child coverage. How much coverage can members request? As an eligible member, you can request from $25,000 to $750,000 in benefits, for you and your lawful spouse (spouse coverage cannot exceed member s coverage), in $25,000 increments of coverage. In addition, each eligible child may receive $2,000 ($500 for children 14 days to six months). A volume discount is available to eligible members who purchase $250,000 or greater in coverage. Contact a TSCPA Member Insurance Program Specialist for more information on discounts. Did you know that half of U.S. households do not have adequate life insurance coverage? * * Life Insurance Awareness Month, LIMRA, August How much coverage can employees request? A full-time employee of a TSCPA member can request from $25,000 to $100,000 in coverage in $25,000 increments of coverage. If an employee s quadrupled annual income is greater than $100,000, the employee may apply for higher limits of coverage (rounded to the nearest multiple of $25,000) up to a $250,000 maximum coverage. Example: An employee earns a salary of $40,000. Multiply salary by four to get $160,000 then round to the nearest $25,000 increment for a total of $175,000 in coverage. Spouses of employees are eligible for coverage in $25,000 increments. Spouse coverage may not exceed employee coverage amount. In addition, each eligible child may receive $2,000 ($500 for childeren 14 days to six months).

2 DETAILS OF THIS COVER Beneficiary You may choose any person(s), trust, or other legal entity as your beneficiary. If there are no surviving beneficiaries at the time of your death, benefits will be paid to executor or administrator of your estate or, at the option of New York Life, to surviving relatives in the following order: spouse; children equally; parents equally; or siblings equally. Accelerated Death Benefit Available to help terminally ill insureds and their families, this feature is designed to provide an insured with one advanced payment equal to 50% of their inforce life insurance to be paid while that person is still alive. To qualify, the insured must be diagnosed by a physician as having a life expectancy of 12 months or less. This benefit would be payable 12 months after the date of approval, and the death benefit would be reduced by the amount paid to the insured. Premiums do not reduce. For additional details and limitations, please see the Certificate of Insurance. Please note that receipt of accelerated death benefits may affect your eligibility for public assistance programs and may be taxable. Prior to applying to receive such benefits, you should consult with the appropriate social services agency and seek the advice of tax counsel. Note: This benefit is not available to residents of Massachusetts. Conversion The plan gives you the opportunity to convert to an individual policy with no medical exam when coverage terminates. This is subject to certain conditions which are described in your Certificate of Insurance. Premium Waiver Coverage for member/employee and any insured dependents will continue coverage at no cost if member/employee is under age 60 and becomes totally disabled while insured and the disability continues for at least nine consecutive months. To receive this benefit, you will be required to produce evidence of continued total disability periodically during this time. 30-Day Free Look If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will receive a full refund no questions asked! Effective Date All coverage is subject to underwriting approval. Approved coverage will take effect on the first of the month following the date your application is approved by New York Life, provided your premium contribution is received within 31 days of such date and you, and your eligible dependents (if also to be insured) are performing the normal activities of a person in good health of like age on this date (Residents of North Carolina: Any reference to performing normal activities of a person in good health of like age is replaced by the requirement that the health status of any proposed insured remains the same as stated in your application.) If a person is not performing normal activities on the date their coverage is effective, their effective date will be deferred until they are performing the required activities, provided they resume normal activities within three months of their original effective date and they remain eligible.

3 DETAILS OF COVER Renewal Payments and Claims Once you have been approved for the plan, you will have a 31-day grace period for your payment of renewal premium contributions. To submit a claim, contact the plan administrator, Pearl Insurance at for claim forms. Renewal of Coverage Your coverage will be renewed until you attain age 80 as long as you remain a member of the Texas Society of Certified Public Accountants or a full-time employee of a member, you pay your premiums when due, and the group plan remains in effect. Benefit amounts are not guaranteed and are subject to change by an agreement with New York Life Insurance Company and the Trustees of the Texas Society of Certified Public Accountants Insurance Trust. Eligible dependents who are insured remain insured as long as the member/employee coverage is in effect. If a member/employee dies, the dependents coverage will continue as long as they remain eligible and pay the required premium. The group policy may be terminated by the TSCPA trust or New York Life Insurance Company. Scheduled Coverage Reduction Benefit amounts for member/employee and spouse reduce by 50% when the member/employee attains age 65 and an additional 50% at age 75, leaving the remaining benefit amount to be 25% of the pre-age 65 amount. Premiums do not reduce. (The amount of children s insurance does not decrease). Certificate of Insurance This information is only a brief description of the principal provisions and features of this plan. The complete terms set forth by in the group policy issued by New York Life to the Trustees of the Texas Society of Certified Public Accountants Insurance Trust. When you become insured, you will receive Certificate of Insurance summarizing your benefits under the Plan. Exclusions & Limitations Coverage is provided for death from any cause, except for death from suicide within the first 12 months coverage is in effect, whether sane or insane. Note: Incontestability Once your coverage has been in force for two years after your effective date, your coverage is incontestable except for non-payment of premiums. This brochure provides a general description of the insurance plan offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations, and renewability requirements are detailed in Group Policy No. G issued to the Trustees of the Texas Society of Certified Public Accountants Insurance Trust. The TSCPA Insurance Trust incurs costs in providing oversight of this program and also incurs administrative costs in connection with sponsorship. To provide and maintain valuable membership benefit, the TSCPA Insurance Trust may be reimbursed for these costs. To secure this valuable coverage, complete the application included with this form. How to Apply To secure this valuable coverage, complete the application included with this form. Please provide all requested information failure to do so could result in a delay of application processing. Your spouse and eligible dependents may also be included on your application. Remember, if you and your spouse are both qualifying TSCPA Members/ employees and apply separately, you may only include dependents on one application. Return your completed application to: TSCPA Group Insurance Program 1200 E. Glen Avenue, Peoria Heights, IL Do not send payment you will be billed upon approval.

4 MEMBER/EMPLOYEE CURRENT SEMI-ANNUAL TERM LIFE S AS OF Premiums for a member/employee are based on the amount of insurance coverage requested and the member/employee s attained age at the policy effective date. The cost increases as the member/ employee grows older. Premium contributions will vary based on the amount elected. Premium rates for member benefit amounts of $250,000 or greater and full-time employee benefit amounts of $250,000 reflect special volume discounts. Note: Members may apply for a benefit amount of up to $750,000 in $25,000 increments. Full-time employees of TSCPA member may apply for a benefit of up to $250,000 (depending on annual income) in $25,000 increments. $25,000 Benefit Amount $50,000 Benefit Amount Under 30 $7.50 Under 30 $ $ $ $ $ $ $ $ $ $ $ $ $ * $ * $ Employees requesting between $100,000 and $250,000 please call the administrator. $100,000 Benefit Amount $250,000 Benefit Amount * Contact the Plan Administrator for rates of coverage amount not shown and for all rates for ages Under 30 $ $ $ $ $ $ $ * $ $500,000 Benefit Amount Under 30 $ $ $ $ $ $ $1, * $2, Under 30 $ $ $ $ $ $ $ * $1, $750,000 Benefit Amount - Members Only Under 30 $ $ $ $ $ $1, $2, * $4,050.00

5 SPOUSE CURRENT SEMI-ANNUAL TERM LIFE S AS OF Premiums for a spouse are based on the amount of insurance requested and the member/employee s attained age when insurance becomes effective. The cost increases as the member/employee grows older. Premium contributions will vary depending upon the amounts chosen. Spouse coverage is available in $25,000 units up to a maximum of $750,000 for members ($250,000 for employees). The spouse coverage may not exceed the member/employee s coverage amount. Child rates All Eligible Children (regardless of number): $3.00 every six months. Note: Each child s benefit will be $2,000 ($500 if age 14 days to six months). > Spouse coverage amounts reduce 50% at member/ employee s age 65. Additional 50% reduction at member/employee s age 75 (remaining benefit is 25% of pre-age 65 benefit). Premiums do not reduce. (The amount of children s insurance does not decrease). Coverage terminates at member/ employee s age 80. > The premium contributions shown reflect the current rate and benefit structure. Premium contribution may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insureds is a group of people with the same issue age and tobacco/nicotine usage. Benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the Trustees of the TSCPA Insurance Trust. > Do not sent payment. You will be billed upon approval. * Contact Pearl Insurance for rates of coverage not shown and for all rates at ages $25,000 Benefit Amount MEMBER/EMPLOYEE Under 30 $ $ $ $ $ $ $ * $96.00 $100,000 Benefit Amount MEMBER/EMPLOYEE Under 30 $ $ $ $ $ $ $ * $ $500,000 Benefit Amount MEMBER Under 30 $ $ $ $ $ $ $1, * $1, $50,000 Benefit Amount MEMBER/EMPLOYEE Under 30 $ $ $ $ $ $ $ * $ $250,000 Benefit Amount MEMBER Under 30 $ $ $ $ $ $ $ * $ $750,000 Benefit Amount MEMBER Under 30 $ $ $ $ $ $1, $1, * $2,880.00

6 IMPORTANT NOTICE: HOW NEW YORK LIFE OBTAINS INFORMATION AND UNDERWRITES YOUR REQUEST FOR GROUP DISABILITY INCOME INSURANCE In this notice, references to you and your include any person proposed for insurance. Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. ( MIB ). MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. If you apply for life or health insurance coverage, a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB, and such information may then be furnished by MIB, upon request, to a member company. Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying New York Life in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION. MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law. New York Life may release this information to the Plan Administrator, other insurance companies to which you may apply for life and health insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing, however, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV). We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision. New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a need to know basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved. If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB s information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA , telephone (TTY ). For Canadian residents, the address is: MIB Information Office, 330 University Avenue, Suite 501, Toronto, Ontario, Canada M5G 1R7, telephone Information for consumers about MIB may be obtained on its website at For NM Residents: PROTECTED PERSONS 1 have a right of access to certain CONFIDENTIAL ABUSE INFORMATION 2 we maintain in our files and they may choose to receive such information directly. You have the right to register as a PROTECTED PERSON by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address. 1 PROTECTED PERSON means a victim of domestic abuse: who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured person or prospective insured person. 2CONFIDENTIAL ABUSE INFORMATION means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured as family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close, personal, family or abuse-related relationship. New York Life Insurance Company 8.12 ed.

7 How to Apply To secure this valuable coverage, complete the application included with this form. Please provide all requested information failure to do so could result in a delay of application processing. Your spouse and eligible dependents may also be included on your application. Remember, if you and your spouse are both qualifying TSCPA Members/ employees and apply separately, you may only include dependents on one application. Return your completed application to: TSCPA Group Insurance Program 1200 E. Glen Avenue, Peoria Heights, IL Do not send payment you will be billed upon approval. Sponsored by: Underwritten by: Plan Administrator: New York Life Insurance Company 51 Madison Avenue, New York, NY Under Group Policy G On Policy Form G /GMR-FACE 1200 E. Glen Avenue Peoria Heights, IL License: CA# 0F76076, AR# 1322 > Member/Employee coverage amounts reduce by 50% when the member/employee attains age 65 and an additional 50% reduction at age 75, leaving the remaining benefit amount to be 25% of the pre-age 65 amount. Premiums do not reduce. Coverage terminated when member/employee reaches age 80. > The premium contributions shown reflect the current rate and benefit structure. Premium contributions are subject to change by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insureds is a group of individuals with the same issue age and the same tobacco/nicotine usage. Benefit options amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the Trustees of the Texas Society of Certified Public Accountants Insurance Trust. > Do not sent payment now you will be billed upon approval of your application TSCPA-OB-TL

8 Please complete this form and return to: TSCPA Group Insurance Program Administrator, 1200 East Glen Avenue, Peoria Heights, IL Questions: Please call Request for Group Insurance from: New York Life Insurance Company 51 Madison Avenue, New York, NY PART I Personal Info Residents of Puerto Rico, please return application to: Global Insurance Agency, P.O. Box San Juan, Puerto Rico TSCPA GROUP TERM LIFE APPLICATION PLEASE PRINT IN INK OR TYPE. DO NOT USE CORRECTION FLUID OR GEL PENS. INITIAL AND DATE ANY CHANGES YOU MAKE. 1. Member Information Full Name S.S.#: - - Last First Middle Initial Street Address: City: State: Zip Code: - Home Phone: ( ) Work Phone: ( ) Fax: ( ) For internal use only. address will never be sold or shared. Marital Status: Married Divorced Widowed Single Civil Union (Eligibility of Civil Union partners is determined by State Law) Date of Birth: Height: Weight: Sex: Member/Employee: / / ft. in. M F MO DAY YR LBS. Spouse**: / / ft. in. M F Name if proposed for insurance MO DAY YR LBS. Child*: / / ft. in. M F Name if proposed for insurance MO DAY YR LBS. Child*: / / ft. in. M F Name if proposed for insurance MO DAY YR LBS. * *See Plan information for definition of eligible dependents. If more than two children are proposed for insurance, attach a separate sheet. Please sign and date the additional sheet. PART II Your Coverage In the next 12 months does any person proposed for insurance intend to reside outside the U.S.? Member/Employee: Yes No Country(ies) How Long? Spouse: Yes No Country(ies) How Long? 2. Membership Affiliation: To participate in this plan you must be a TSCPA member or full-time employee of a member. TSCPA Membership? 3. Insurance Requested: Refer to plan information for eligibility, options, and coverage description. I HEREBY APPLY FOR THE FOLLOWING GROUP TERM LIFE INSURANCE COVER: A. Member: Initial Insurance Amt. (up to $750,000): $ Add l Insurance Amt. requested from: $ to $ Employee:* Initial Insurance Amt. (up to $250,000): $ Add l Insurance Amt. requested from: $ to $ Spouse:* Initial Insurance Amt. (not to exceed members): $ Add l Insurance Amt. requested from: $ to $ Child:** $2,000 for all eligible dependent children. *Spouse coverage cannot exceed 100% of member s coverage. **Member coverage must be in force to request child coverage. B. CURRENT COVER: Member/Employee: Do you have other life insurance in force? If Yes, total amount in all companies: Yes No Amount: $ Company Do you have other insurance applications pending? If Yes, indicate amount and company: Yes No Amount: $ Spouse: Do you have other life insurance in force? If Yes, total amount in all companies: Yes No Amount: $ Company Do you have other insurance applications pending? If Yes, indicate amount and company: Yes No Amount: $ C. INSURANCE REPLACEMENT: IMPORTANT REPLACEMENT INFORMATION FOR RESIDENTS OF NEW YORK It may not be in your best interest to replace existing life insurance policies or annuity contracts in connection with the purchase of a new life insurance policy, whether issued by the same or a different insurance company. A replacement will occur if, as part of your purchase of a new life insurance policy, existing coverage has been, or is likely to be, lapsed, surrendered, forfeited, assigned, terminated, changed or modified into paid-up insurance or other forms of benefits, loaned against or withdrawn from, reduced in value by use of cash values or other policy values, changed in the length of time or in the amount of insurance that would continue, or continued with a stoppage or reduction in the amount of premium paid. Prior to completing a replacement transaction, you may want to contact the insurance company or agent who sold you the life insurance or annuity contract that will be replaced, to help you decide whether the replacement is in your best interest. RESIDENTS OF NEW YORK: I have read the Important Replacement Information above. Is the Life Insurance applied for intended to replace, in whole or in part, any existing insurance or annuity? Member/Employee: Yes No Spouse: Yes No RESIDENTS OF ALL OTHER STATES: Is the insurance applied for intended to replace, discontinue, or change an existing policy? Member/Employee: Yes No Spouse: Yes No 3. Premium Billing: Following your initial billing, you will be billed twice a year on January 1 and July 1. You can also access a secure website where you can register to have your premium withdrawn from your bank account or charged to your credit card. G Be Sure To Complete All Pages and Sign Last Page DO NOT SEND PAYMENT: Upon approval, you will be notified of the premium due. GMA-EZ2 Page 1 of TSCPA-TL-GEN

9 4. Beneficiary Designation: Insert name, relationship, and address. I make the following beneficiary designation with respect to all the insurance on my life under this Group Term Life Insurance Plan and if I am already covered under the Plan, I hereby revoke any prior beneficiary designation. The beneficiary for dependent coverage shall be the insured member or employee as provided in the Group Policy. (If you want to name a different beneficiary for spouse coverage, more than one beneficiary, or a trust, please contact the Plan Administrator.) Beneficiary Name: Address: Phone:( ) Beneficiary s relationship to Member/Employee and Social Security #: PART III Your Health PART IV Your Signature 5. Member/Employee Statement of Health: Please initial any changes you make on this form an To the best of your knowledge and belief, answer the following questions as they apply to you MEMBER/ EMPLOYEE and all dependents to be insured: DEPENDENT a. Is any person proposed for insurance now taking any prescribed medication or receiving or contemplating any medical attention or surgical treatment?... YES NO YES NO b. During the past five years has any person proposed for insurance ever been medically diagnosed by a physician as having or been treated for: heart trouble, elevated blood pressure, gynecological or genitourinary disorders, ulcers, cancer, diabetes, mental or nervous disorder or psychotherapeutic treatment, epilepsy, respiratory disorder, kidney or liver disorder (including hepatitis), enlarged lymph nodes or immunodeficiency disorder, thyroid disorder, blood disorder, albumin, blood, pus, or sugar in urine, back trouble/disorder, arthritis, or unexplained weight loss?. c. During the past five years has any person proposed for insurance been counseled, treated, or hospitalized for the use of alcohol or drugs?... Details (please fill out if answered YES to a, b, or c): Depending on the amount of insurance you are requesting, you will be contacted by a service provider on behalf of New York Life Insurance Company to ask you about your medical history. What time and telephone number would be best to contact you? 6. Fraud Notice: For Residents of all states except those listed below: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which may be a crime and may subject such person to criminal and civil penalties. FOR RESIDENTS OF CA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which may be a crime and may subject such person to criminal and civil penalties. The falsity of any statement in the application for any policy shall not bar the right to recovery under the policy unless such false statement was made with actual intent to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by the insurer. RESIDENTS OF CO: the following also applies: Any insurance company or agent who defrauds or attempts to defraud an insured shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. RESIDENTS OF AL/AR/ LA/RI: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. FOR RESIDENTS OF D.C.: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. RESIDENTS OF FL: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. RESIDENTS OF KS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of insurance fraud as determined by a court of law. RESIDENTS OF ME: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits. RESIDENTS OF MD: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. RESIDENTS OF NJ: WARNING: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. RESIDENTS OF NY: Any person who knowingly and with intent to defraud any insurance company or any other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. RESIDENTS OF OK: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. RESIDENTS OF PUERTO RICO: Any person who, knowingly and with the intent to defraud, presents false information in an insurance request form, or who presents, helps or has presented a fraudulent claim for the payment of a loss or other benefit, or presents more than one claim for the same damage or loss, will incur a felony, and upon conviction will be penalized for each violation with a fine no less than five thousand (5,000) dollars nor more than ten thousand (10,000) dollars, or imprisonment for a fixed term of three (3) years, or both penalties. If aggravated circumstances prevail, the fixed established imprisonment may be increased to a maximum of five (5) years; if attenuating circumstances prevail, it may be reduced to a minimum of two (2) years. RESIDENTS OF TN/WA: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. RESIDENTS OF VA: Any person who, with the intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing false or deceptive statements may have violated state law. 7. Authorization and Signature: I understand that New York Life Insurance Company has the right to require additional information and, if necessary, an examination by a physician. I ask New York Life to rely on all such statements made on this form, and any supplements to it, while considering this request. I also understand that the coverage afforded will be in consideration of the answers and statements set forth above. AUTHORIZATION: I hereby authorize any licensed physician, medical practitioner, hospital, pharmacy, clinic or other medical or medically related facility, laboratory, insurance company, MIB, Inc. ( MIB ), or other organization, institution or person, that has any records or knowledge of me or my health to release information, including prescription drug records, maintained by physicians, pharmacy benefit managers, and other sources of information to New York Life Insurance Company, its reinsurers, its subsidiaries or the plan administrator about the physical and mental health of any persons proposed for insurance, including significant history, findings, diagnosis and treatment, but excluding psychotherapy notes for the purpose of evaluating my application for insurance. Health information obtained will not be re-disclosed without my authorization unless permitted by law, in which case it may not be protected under federal privacy rules. For example, New York Life may be required to provide it to insurance, regulatory, or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION. A photocopy of this AUTHORIZATION and request form shall be as valid as the original. In all circumstances, my authorized agent, representative, or I may request a copy of this AUTHORIZATION. This AUTHORIZATION shall be valid for a period of 24 months from the date signed, unless sooner revoked. The AUTHORIZATION may be revoked at any time by sending written notice to New York Life Insurance Company. My revocation will not be effective to the extent that New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. By signing and dating this application, the member requests the insurance indicated, and the member and any person proposed for insurance consent to authorize the disclosure of information to and from the providers noted in the IMPORTANT NOTICE, including mailing a brief report of my protected health information to MIB, Inc, and attest to having read the IMPORTANT NOTICE and Fraud Notices indicated above, including how my information is exchanged with MIB, and that to the best of my knowledge and belief, the answers provided to the questions are true and complete. Member/Employee Signature X Date: (PLEASE SIGN AND DATE IN INK) Spouse s Signature X Date: (NECESSARY ONLY IF SPOUSE COVER IS REQUESTED) Owner Information, required if owner is other than the Member/Employee (If Owner is a Trust, please submit a copy of the document with this application). Full Name: Relationship to proposed insured: LAST FIRST MIDDLE INITIAL Home Phone: ( ) Work Phone: ( ) Mailing Address: STREET CITY STATE ZIP CODE Tax ID#: Date of Birth: / / Social Security #: - - Owner s Signature X Date: (NECESSARY ONLY IF OTHER THAN MEMBER/EMPLOYEE) G Be Sure To Complete All Pages and Sign Last Page DO NOT SEND PAYMENT: Upon approval, you will be notified of the premium due. GMA-EZ2 Page 2 of 2 1/2013 ed TSCPA-TL-GEN

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