Everybody Benefits. Employee s Whole Life Insurance. The Company You Keep

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1 Everybody Benefits Employee s Whole Life Insurance The Company You Keep

2 Everybody

3 Benefits Employee s Whole Life throuh voluntary payroll deduction New York Life and your employer are teamin up to help take some of the worry out of the workplace by offerin you a valuable benefit. When you purchase a whole life policy from New York Life, you ll benefit from ownin permanent protection. Your family will benefit knowin they have peace of mind in the event of the unexpected. So, everybody benefits. Protectin your loved ones is important to you. Now you can easily close the ap between the life insurance coverae you may have and the coverae you need. If you already have life insurance coverae throuh your employer, you re off to a reat start! If you don t have life insurance already, here s your chance to help ensure that your loved ones would be able to survive financially if you were to die prematurely. Either way, make sure your coverae is enouh to ive your family financial security today and take care of your loved ones after you re one. Employee s Whole Life from New York Life is an individually owned, portable life insurance policy. 1 Unlike the roup term life insurance usually offered by employers that s in effect only as lon as you work for that employer you et to take this policy with you if you chane jobs or retire. And since you pay for Employee s Whole Life throuh voluntary payroll deduction, it s automatic and easy to purchase. 1 Your participation in the payroll deduction life insurance proram is completely voluntary. Since this proram is not intended to be subject to the Employee Retirement Income Security Act of 1974 (ERISA), your employer cannot contribute to or endorse any policy offered under this proram.

4 Employee s Whole Life Key Benefits: Portable Permanent Convenient Affordable Flexible Family friendly

5 From New York Life You own the policy. It stays with you reardless of where you work, as lon as you continue to pay the premiums. If you leave your current job, you ll simply be billed directly, rather than havin payments made throuh payroll deduction. You have flexibility to increase your level of coverae for you and your family. Employees may apply for up to $150,000 in coverae. Your spouse and children (aes 15 days to 25 years) may also be eliible for coverae. The process is easy and convenient. All that s required to enroll is a completed application. And premiums are deducted directly from your paycheck, so you don t have to remember to mail in payments. You benefit from affordable rates and limited or no health questions, dependin on the proram offered to you. Additionally, with an optional policy rider, such as The Option to Purchase Paid-up Additions Rider, you ll have flexibility to add more coverae and increase your policy s cash value should your needs chane in the future. You purchase a permanent policy that builds a uaranteed cash value. You can borrow aainst it for emerencies or to fund educational expenses. 2 Dividends, which are not uaranteed, will add to your policy s value. 2 Policy loans accrue interest and reduce both the death benefit and the cash value by the loan amount plus interest.

6 Workin With a New York Life Aent New York Life has helped protect individuals, businesses and families for more than 166 years. We pride ourselves on our core values of interity, humanity, financial strenth and mutuality values that mean we work hard to ensure we ll be here to meet our policyowners needs for another 166 years. With New York Life, you re dealin with a company that s safe and secure. New York Life Insurance Company has the hihest ratins currently awarded to any life insurer by the four major ratins aencies (A.M. Best, Fitch, Moody s and Standards & Poor s). 3 You also et the individual attention of a New York Life aent, who will work with you to determine your oals and how best to achieve them. Our aents are amon the best in the business, not only because they specialize in the field, but also because they take the time to develop lifelon relationships with their clients. Our job is helpin you protect the ones you love. When you purchase whole life insurance from New York Life, everybody benefits. Call me today to learn more. In Oreon, the Employee s Whole Life policy number is , and the rider form number is for the Option to Purchase Paid-up Additions is All uarantees are based on claims-payin ability of the issuer. 3 Moody s: Aaa, A.M. Best: A++, Standards & Poor s: AA+, Fitch: AAA. Source: Individual Third-Party Ratins Report as of 01/25/12.

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8 New York Life Insurance Company 51 Madison Avenue, New York, NY _0212 SMRU470392CV(Exp.02/27/14)