Special features for NYSUT members and agency fee payers:

• No medical examination

• No blood test

• Up to $300,000 of immediate personal coverage

• Family coverage available at lower limits

   Other special features and benefits for NYSUT members:

• Tax-deferred growth through cash value accumulation*

• Disability Waiver provision will continue coverage when you are totally disabled

• Accelerated Death Benefit allows the partial withdrawal of death benefits for terminal illness

• Cash accumulations can be utilized to supplement retirement incomes

• Convenient payroll deductions, pension deductions, or automatic check draft for payment of premiums

* Under current federal tax law.