The Physicians & Surgeons Insurance Trust now has available a New Level Group Term Life Insurance Program
with competitive rates for Physicians. Physicians can choose from 10, 15 or 20 year Level Term Protection periods.
This new program has the following special benefits:

Renewal Guarantee
Level Premium & Benefit for Selected Period
Continuation of Coverage to Age 80 (following Protection Period)
Coverage from $200,000 to $2,000,000
Accelerated Life Benefit
Waiver of Premium for Disability (Optional)
Accidental Death & Dismemberment (Optional)
Experience Credits further Reduce Rates (Experience Credits are not guaranteed but depend on Group Experience)

Please see attached brochure for further details. Contact us for Preferred Non-Tobacco rates, Tobacco User
rates or for rates and options on ages and benefit amounts not displayed.

This program is underwritten by ReliaStar Life Insurance Company of New York (a member of the ING
family of companies; visit www.ingemployeebenefits-us.com for ratings and financial performance) and is
administered by Charles J. Sellers & Co., Inc.

The initial premium may not change for the first level term period; however, the insurance company
reserves the right to change the premium rates, but only if rates are changed for all insureds under the
group policy and with 60 days notice. Policy form NYAPOL. There are medical underwriting requirements
which vary based on your age and the amount of coverage requested.

We urge you to take advantage of this offer and apply while you are in good health and insurable.

If you have any questions or wish additional information, please contact us via phone, FAX or  e-mail at the numbers and addresses shown above.

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Association Group Term Life Insurance 15-year Level Premium

Your premium may stay level for up to 15 years. With our plan, the initial premium may not change for the first 15 years. However, the insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy and with 60 days written notice.

Eligibility for this Plan
New York Physicians through age 55 who are actively at work on a full-time basis (working 30 hours or more per week) are eligible for coverage. Medical Students who are attending school on a full-time basis and spouses through age 55 are also eligible to apply.

Rates for Physician and Spouse
15-Year Semi-Annual Level Premium Rates per $1,000



The premium rates shown reflect the current rate and benefit structure for the Super Preferred (non-tobacco user) category for the initial 15 year term. In order to be eligible for this rate, you must be able to meet ReliaStar Life’s underwriting standards and be a non-tobacco user.

Contact your plan administrator for Preferred non-tobacco user rates, tobacco-user rates, and/or rates including the Waiver of Premium Disability benefit.

Association Group Term Life Insurance 20-year Level Premium

Your premium may stay level for up to 20 years. With our plan, the initial premium may not change for the first 20 years. However, the insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy and with 60 days written notice.

Eligibility for this Plan
New York Physicians through age 50 who are actively at work on a full-time basis (working 30 hours or more per week) are eligible for coverage. Medical Students who are attending school on a full-time basis and spouses through age 50 are also eligible to apply.

Rates for Physician and Spouse
20-Year Semi-Annual Level Premium Rates per $1,000



The premium rates shown reflect the current rate and benefit structure for the Super Preferred (non-tobacco user) category for the initial 20 year term. In order to be eligible for this rate, you must be able to meet ReliaStar Life’s underwriting standards and be a non-tobacco user.

Contact your plan administrator for Preferred non-tobacco user rates, tobacco-user rates, and/or rates including the Waiver of Premium Disability benefit.

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