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

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To: All Benefit Eligible DHHS employees

Re: 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 10-15-2015 to 11-18-2015. 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 1-800-421-3142 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.

Comparison of Term and Whole Life is provided on the back.

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 1-800-421-3142 or view rates and download an application by going to

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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.

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.

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.

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.

Does not accumulate cash value. The cost increases

as you get older. The cost stays the same for the life of the policy. A cost effective way of

securing life insurance coverage for a specific

period of time.

A moderately priced means to secure life insurance coverage

for a lifetime, provided sufficient premiums are paid.

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Whole Life Insurance

&

Term Life Insurance

towards a lifetime of protection for you

and your family.

Take the first step

* LIMRA. “Facts About Life 2013.”

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While you can’t predict

life’s outcome,

you can prepare for it...

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.

Peace of mind

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Voya.com

* 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 77056. 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.

©2014 ING North America Insurance Corporation. LG11115

For more information, please visit:

www.everestfuneral.com/voya

Everest’s services include:

Pre-planning services

24/7 Advisor Assistance

To discuss funeral planning issues

PriceFinderSM 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

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.

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: www.everestfuneral.com/voya

 Enter your email 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 1-800-913-8318.

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