New York Life Insurance Company

New York Life Insurance Company

– A Mutual Company Founded in 1845 – 51 Madison Avenue, New York, NY 10010

GROUP INSURANCE CERTIFICATE RIDER to be attached to and made a part of the POLICY

POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 1999 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Arkansas

Secretary President

G-8100-1/CERT 9/1/99 GMR

ARKANSAS REGULATIONS The following applies to Arkansas residents: Notice If you have an inquiry concerning your group insurance plan, you may write to New York Life or to the Arkansas Insurance Department at the following addresses: The Office Of Corporate Responsibility Arkansas Insurance Department New York Life Insurance Company Consumer Services Division 51 Madison Avenue 400 University Tower Building New York, NY 10010 Little Rock, AR 72204 Telephone No.: (212) 576-7000 Telephone No.: (501) 371-1813 G-8100-1/CERT 9/1/99 GMR-AR




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of January 1, 2005 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. California

Secretary President

G-8100-1/CERT 1/1/05 GMR

CALIFORNIA REGULATIONS The following applies to California residents: For the purpose of adding coverage for domestic partners: 1. The first paragraph of the Death Benefit provision of the Beneficiary section on the Life and Dependent Life Insurance

page is revised: Death Benefit Except as stated below, the Death Benefit will be paid to the designated beneficiary(ies). However, if at the time of the COVERED PERSON'S death there is no surviving beneficiary for any designated share of the Death Benefit, such share will be paid to the executor or administrator of the COVERED PERSON’S estate, or at the option of New York Life, to the COVERED PERSON’S surviving relative(s) in the following order of survival:

1. for an INSURED MEMBER: lawful married spouse; children equally; parents equally; or brothers and sisters

equally; 2. for an INSURED SPOUSE: lawful married spouse; children equally; parents equally; or brothers and sisters

equally; or 3. for an INSURED CHILD: parent; brothers and sisters equally; or children equally.

2. Item 7. on the When Insurance Ends page is revised:

7. for an INSURED SPOUSE, the last day of the INSURANCE PERIOD during which such INSURED SPOUSE (a) ceases to be the lawful, married spouse or domestic partner of the APPLICANT; or (b) becomes an INSURED MEMBER;

3. The ELIGIBLE DEPENDENT definition on the Definitions page is revised:

ELIGIBLE DEPENDENT means an APPLICANT’S:

1. lawful married spouse or domestic partner (“domestic partner” means a person with whom an ELIGIBLE MEMBER maintains a Committed Relationship. “Committed Relationship” means a familial relationship between two individuals characterized by mutual caring and the sharing of a mutual residence”), who:

a. is identified on the request for group insurance; b. has not exceeded the MAXIMUM ELIGIBILITY AGE; c. is not a resident of an EXCLUDED STATE; and d. is not an INSURED MEMBER; or

2. natural child, stepchild, adopted child or foster child, who:

a. is not married; b. is substantially dependent upon the APPLICANT for support, or if the APPLICANT is deceased,

substantially dependent upon the family for support; c. is at least 14 days old; d. has not exceeded the MAXIMUM ELIGIBILITY AGE; e. is not a resident of an EXCLUDED STATE, except that this requirement does not apply if the APPLICANT

has DEPENDENT INSURANCE in force for children; and f. is not an INSURED MEMBER.

If both parents of an ELIGIBLE CHILD are INSURED MEMBERS, such child will be considered an ELIGIBLE DEPENDENT of only one parent. ELIGIBLE DEPENDENT does not include a person for whom dependent insurance is requested under the Policy by reason of the APPLICANT’S affiliation with the INSTITUTE, if the dependent is currently insured under an individual policy obtained by exercise of a conversion right which was available under the Policy or any other policy issued to the Policyholder by New York Life upon termination of such affiliation.

References to ELIGIBLE SPOUSE and ELIGIBLE CHILD(REN) mean the same as ELIGIBLE DEPENDENT spouse or domestic partner and ELIGIBLE DEPENDENT child(ren), respectively.

G-8100-1/CERT 1/1/05 GMR-CA

CALIFORNIA REGULATIONS

4. The INSURED DEPENDENT definition on the Definitions page is revised:

INSURED DEPENDENT means a person who: (a) was an ELIGIBLE DEPENDENT on his or her CERTIFICATE

EFFECTIVE DATE; (b) became insured under the Policy, as approved by New York Life; and (c) remains insured

under the Policy, including as a SURVIVOR DEPENDENT. References to INSURED SPOUSE and INSURED

CHILD(REN) mean the same as INSURED DEPENDENT spouse or domestic partner and INSURED

DEPENDENT child(ren), respectively. 5. The SURVIVOR DEPENDENT definition on the Definitions page is revised:

SURVIVOR DEPENDENT means an INSURED DEPENDENT of a deceased INSURED MEMBER. References to SURVIVOR SPOUSE and SURVIVOR CHILD(REN) mean the same as SURVIVOR DEPENDENT spouse or domestic partner and SURVIVOR DEPENDENT child(ren), respectively.

G-8100-1/CERT 1/1/05 GMR-CA




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of October 1, 2005 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Connecticut

Secretary President

G-8100-1/CERT 10/1/05 GMR

CONNECTICUT REGULATIONS

The following applies to Connecticut residents:

1. For the purpose of disclosing what may be the effect of receiving an Accelerated Death Benefit, the following shall

appear on the face page of the Policy and on the face page of the Certificate:

RECEIPT OF THE ACCELERATED DEATH BENEFIT MAY BE TAXABLE. INSUREDS SHOULD SEEK ASSISTANCE FROM THEIR PERSONAL TAX ADVISOR.

2. For the purpose of allowing New York Life to contest insurance on a COVERED PERSON for nonpayment of

CONTRIBUTIONS only, the Insurance On Covered Persons item of the Incontestability section on the General Provisions page(s) of the Policy and the Important Notice page(s) of the Certificate is replaced by the following:

Insurance On Covered Persons - Except for provisions which relate to nonpayment of CONTRIBUTIONS, New York Life cannot contest the validity of any initial, increased, or restored insurance on a COVERED PERSON after it has been in force for two years under the Policy during such COVERED PERSON'S lifetime. To contest, New York Life will only rely upon: (a) written statements signed by the INSURED MEMBER and/or his or her INSURED DEPENDENT: (1) in applying for such insurance; and/or (2) used to allow insurance to take effect, be increased or be transferred from another Policy; and/or (b) the provisions on the When Insurance Takes Effect page(s). A copy of all statements must be furnished to such person or to his or her beneficiary. Such statements are representations, not warranties.

3. For the purpose of providing the same benefits, protections and responsibilities to parties of a civil union that are

granted to spouses in a marriage, the following Endorsement is attached to the Policy and Certificate:

CONNECTICUT CIVIL UNION ENDORSEMENT

PURPOSE:

This endorsement is part of the policy, contract, certificate and/or riders and endorsements to which it is attached and

is intended to provide benefits for parties to a civil union. Connecticut law requires that parties to a civil union shall

have the same benefits, protections, and responsibilities under law (including contract law) as are granted to spouses

in a marriage. In order to receive benefits in accordance with this endorsement, the parties to the civil union must

have been issued a civil union license in accordance with the laws of the state of Connecticut.

GENERAL DEFINITIONS, TERMS, CONDITIONS AND PROVISIONS:

The general definitions, terms, conditions or any other provisions of the policy, contract, certificate and/or riders and

endorsements to which this mandatory endorsement is attached are hereby amended and superseded as follows:

Terms that mean or refer to a marital relationship or that may be construed to mean or refer to a marital relationship

such as “marriage,” “spouse,” “husband,” “wife,” “dependent,” “next of kin,” “relative,” “beneficiary,” “survivor,”

“immediate family” and any other such terms, shall also include the marital relationship created by a civil union. Terms that mean or refer to a family relationship arising from a marriage such as “family,” “immediate family,”

“dependent,” “children,” “next of kin,” “relative,” “beneficiary,” “survivor” and any other such terms, shall also

include the family relationship created by a civil union.

Terms that mean or refer to the inception or dissolution of a marriage, such as “date of marriage,” “divorce decree,”

“termination of marriage” and any other such terms, shall also include the inception or dissolution of a civil union.

“Dependent” means a spouse, a party to a civil union, and/or a child or children (natural, stepchild, legally adopted or

a minor who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a

civil union.

“Child or covered child” means a child (natural, step-child, legally adopted or a minor who is dependent on the

insured for support and maintenance) who is born to or brought to a marriage or to a civil union. G-8100-1/CERT 10/1/05 GMR-CT




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 1999 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Florida

Secretary President

G-8100-1/CERT 9/1/99 GMR

FLORIDA REGULATIONS The following applies to Florida residents: 1. Complaint Notice A COVERED PERSON can call the following toll-free number if he or she has any questions or

complaints concerning the Policy: 1-800-424-9883

2. For the purpose of complying with Section 627.6515 (2)(b) of the Florida Statutes Annotated, we have added the

following disclosure statement to the face page of the certificate:

NOTICE

THE BENEFITS OF THE POLICY PROVIDING YOUR COVERAGE ARE GOVERNED PRIMARILY BY THE LAWS OF A STATE OTHER THAN FLORIDA.

3. For the purpose of complying with Section 817.234(1)(b) of the Florida Statutes Annotated, we have added the following statement to the Application page(s) of the policy:

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.

G-8100-1/CERT 9/1/99 GMR-FL




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of December 14, 1999 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Illinois

Secretary President

G-8100-1/CERT 12/14/99 GMR

ILLINOIS REGULATIONS The following applies to Illinois residents: 1. Complaint Notice

If you have a complaint concerning your group insurance plan, you may write to New York Life or to the Illinois Department Of Insurance. In this regard, Section 143c of the Illinois Insurance Code requires notification of the following addresses: The Office Of Corporate Responsibility New York Life Insurance Company 51 Madison Avenue New York, New York 10010 Illinois Department Of Insurance Consumer Division 320 West Washington Street Springfield, Illinois 62767 Illinois Department Of Insurance Consumer Division 100 W. Randolph Street, Suite 15-100 Chicago, Illinois 60601 Correspondence about your plan should include the Plan Number or Policy Number and the name of the employer or Policyholder to whom the plan has been issued.

2. The life expectancy requirement in the Accelerated Death Benefit paragraph on the Life and Dependent Life

Insurance page is changed to 24 months, as follows:

Accelerated Death Benefit The Accelerated Death Benefit is available to a COVERED PERSON who has a Terminal Illness ("Terminal Illness" is a medical condition where the patient has a life expectancy of 24 months or less).

G-8100-1/CERT 12/14/99 GMR-IL




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Indiana

Secretary President

G-8100-1/CERT 9/1/01 GMR

INDIANA REGULATIONS The following applies to Indiana residents: Complaint Notice If you have a complaint concerning your group insurance plan, you may write to New York Life or to the Indiana Department Of Insurance. In this regard, Senate Enrolled Act 211 (P.L. 149-1990) of the Indiana Insurance Code requires notification of the following addresses and telephone numbers: The Office Of Corporate Responsibility New York Life Insurance Company 51 Madison Avenue New York, New York 10010 Public Information /Market Conduct Indiana Department of Insurance 311 West Washington Street, Suite 300 Indianapolis, Indiana 46204-2787 Consumer Hotline: 1-800-622-4461 In Indianapolis Area: 1-317-232-2395 Correspondence about your plan should include the Plan Number or Policy Number and the name of the employer or Policyholder to whom the plan has been issued.

G-8100-1/CERT 9/1/01 GMR-IN




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Kentucky

Secretary President

G-8100-1/CERT 9/1/01 GMR

KENTUCKY REGULATIONS The following applies to Kentucky residents: 1. The following is added above the first provision on the first page of the Policy and Certificate:

The Policy is a legal contract between the Policyholder and New York Life. READ YOUR POLICY CAREFULLY. This cover sheet provides only a brief outline of some of the important features of your Policy. This is not the insurance contract and only the actual Policy provisions will control. The Policy itself sets forth, in detail, the rights and obligations of both you and New York Life. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR POLICY.

2. For the purpose of allowing New York Life to contest insurance on a Covered Person for nonpayment of Contributions

only, the Insurance On Covered Persons section of the Incontestability provision on the General Provisions page(s) of the Policy and Incontestability provision on the Important Notice page(s) of the Certificate are replaced by the following:

Incontestability The incontestability provisions for the Policy and for insurance on Covered Persons are as follows: Policy - Except as stated below, New York Life cannot contest the validity of the Policy after it has been in force for two years from the Effective Date. If the Policy is contested, New York Life will only rely upon written statements signed by the Policyholder in applying for the Policy. Insurance On Covered Persons *- Except as stated below, New York Life cannot contest the validity of any new, increased or restored insurance on a Covered Person after it has been in force for two years under the Policy during such Covered Person's lifetime. To contest, New York Life will only rely upon: (a) written statements signed by the Insured Person and/or his or her Insured Dependent: (1) in applying for such insurance; and/or (2) used to allow insurance to take effect, be increased or be transferred from another Participating Organization or another policy; and/or (b) the provisions of the When Insurance Takes Effect page. A copy of all statements must be furnished to such person or to his or her beneficiary. Such statements are representations, not warranties. Exceptions - New York Life may, at any time, contest the validity of the Policy or insurance in force on a Covered Person, if such contest is for non-payment of Premiums or Contributions, respectively. * The time insured under the Transfer Policy for Transfer Insurance will be used in determining if the two-year contestable period has elapsed.

G-8100-1/CERT 9/1/01 GMR-KY




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of January 1, 2000 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Massachusetts

Secretary President

G-8100-1/CERT 1/1/00 GMR

MASSACHUSETTS REGULATIONS The following applies to Massachusetts residents with respect to insurance that takes effect on or after January 1, 2000: The Accelerated Death Benefit is not available to a resident of Massachusetts. To accomplish this change the Accelerated Death Benefit provision and all references to the Accelerated Death Benefit are deleted. The deletion of the Accelerated Death Benefit does not apply to insurance in force on December 31, 1999.

G-8100-1/CERT 1/1/00 GMR-MA




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Minnesota

Secretary President

G-8100-1/CERT 9/1/01 GMR

MINNESOTA REGULATIONS The following applies to Minnesota residents: 1. For the purpose of adding a Disclosure Statement to the Accelerated Death Benefit provision and to limit the option of

purchasing such coverage to those under age 65, the Accelerated Death Benefit provision and the Accelerated Death Benefit item in the For the Benefit To Be Paid provision on the Life Insurance pages are replaced by the following:

Accelerated Death Benefit The policy is a life insurance policy that pays an Accelerated Death Benefit at the INSURED MEMBER'S option under conditions specified in the policy. The policy is not a long-term care policy meeting the requirements of Minnesota Statutes 62.A.46 to 62A.56. The Accelerated Death Benefit is available to an INSURED PERSON who has a Terminal Illness. ("Terminal Illness" is a medical condition where the patient has a life expectancy of 12 months or less). For The Benefit To Be Paid Accelerated Death Benefit For the Accelerated Death Benefit to be paid, the Insured Member must: (1) give he Policyholder a completed, written request for the benefit on a form satisfactory to New York Life; (2) give New York Life satisfactory medical proof, in writing, that the Insured Person has a Terminal Illness, no later than 12 months before such Insured Person’s Termination Age Date; and (3) if an FAA Member, have been approved for initial insurance on or before his or her 65th birthday.

2. For the purpose of providing the Insured Member with notification of the effect the payment of the Accelerated Death

Benefit will have on the Death Benefit, the face amount, and the future contributions, the For the Benefit To Be Paid

section of the Life and Dependent Life Insurance page(s) is replaced by the following:

For The Benefits To Be Paid For the benefit for a loss of life to be paid, New York Life must receive satisfactory proof

of the Insured Person’s loss of life no later than two years after the date of such loss. If it is not possible to give proof

within two years, it must be given as soon as reasonably possible, but in no event, except in the absence of legal capacity

of the claimant, later than three years from the date of such loss.

For the Accelerated Death Benefit to be paid the Insured Person must give: (1) the Policyholder a completed, written

request for the benefit on a form satisfactory to New York Life; and (2) New York Life satisfactory proof that the

Covered Person has a Terminal Illness.

Each time the benefit is paid, New York Life will send to the Insured Member a statement which will specify the effect

the payment of the Accelerated Death Benefit will have on the death benefit, the face amount and future contributions.

3. For the purpose of requiring payment of loss of life benefits no later than two months after receipt by New York Life of

due proof of loss of life, the What Benefit is Payable Section on the Life and Dependent Life Insurance page(s) is replaced by the following:

What Benefit Is Payable The benefit payable is as follows, for:

1. Life Insurance, except as stated below, the applicable Amount Of Life Insurance under the Life Option in force

for the Insured Person on the date of his or her loss of life, less the amount paid on his or her behalf under the Accelerated Death Benefit, subject to the Maximum Benefit section. A single payment is made unless payment in installments has been requested in accordance with the Payment In Installments section.

2. The Accelerated Death Benefit, 25% of the amount of insurance in force on the Insured Person’s life on the date

New York Life approves the Insured Person’s request for the Accelerated Death Benefit.

The benefit will be paid in a lump sum and is payable once while the Insured Person is insured under the Policy, whether insurance is continuous or interrupted. The benefit is payable within 2 months after receipt of satisfactory proof of the Covered Person’s loss of life.

G-8100-1/CERT 9/1/01 GMR-MN

MINNESOTA REGULATIONS (continued) 4. For the purpose of deleting the requirement that an Insured Person be continuously insured under the Policy for five years

for certain conversion rights and to clarify the amount of insurance such Insured Person can convert, the When A Conversion Right Is Available and What Amount Can Be Converted sections on the Conversion Rights page is replaced by the following:

When A Conversion Right Is Available A conversion right is available to each INSURED PERSON for whom insurance ends or reduces, if insurance ends or reduces for any reason other than nonpayment of the CONTRIBUTION. What Amount Can Be Converted The INSURED PERSON can convert all or any part of the insurance that ends or reduces.

5. For the purpose of revising the Individual Policy section on the Conversion Rights page, the Individual Policy section is

revised to read as follows:

Individual Policy The individual policy requirements are as follows:

1. A completed, written application for the individual policy must be given to New York Life, within the Conversion Period, on a form satisfactory to New York Life.

2. The first premium for the individual policy must be paid within the Conversation Period. 3. The premium for the individual policy will be based upon the applicant’s class of risk and age. 4. The individual policy will be on one of the forms currently offered by New York Life without extra benefits

except term insurance. 5. The individual policy will take effect on the day after the Conversion Period Benefit on the Continuance page(s)

ends.

6. For the purpose of requiring notice by New York Life to all Insured Members in the event of termination of the

Policy, the following Notice Of Cancellation is added to the General Provisions page(s) of the Policy and the

Important Notice page(s) of the Certificate:

Notice of Cancellation New York Life will notify each Insured Member by mail of the cancellation of the Policy at

least 30 days before the effective cancellation date. Notice provided to the Insured Member at the address provided to

New York Life within the last 12 months will be deemed notice. Such notification is not required if the Policy is

replaced or if New York Life has reasonable evidence to indicate it will be replaced by a substantially similar policy,

plan or contract. In the event 30 days notice is not provided, coverage under the policy will continue for each Insured

Member who has not been notified of the termination of the Policy until the earlier of: (a) 30 days after the date such

notice is provided; or (b) 120 days after the effective cancellation date.

6. For the purpose of increasing the time period that an Insured Person has to take Legal Action on a claim, the Legal Action

paragraph on the Health Claims Provision page is replaced by the following:

Legal Action The Insured Person can not start any legal action:

1. within 60 days after a claim form or proof of claim is sent; or

2. more than five years after a claim form or proof of claim is due.

G-8100-1/CERT 9/1/01 GMR-MN




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Mississippi

Secretary President

G-8100-1/CERT 9/1/01 GMR

MISSISSIPPI REGULATIONS The following applies to Mississippi residents: 1. For the purpose of disclosing what may be the effect of receiving the Accelerated Death Benefit, the following shall

appear on the face page of the Policy and the Certificate:

RECEIPT OF THE ACCELERATED DEATH BENEFIT MAY BE TAXABLE. THE INSURED MEMBER SHOULD SEEK ASSISTANCE FROM THEIR PERSONAL TAX ADVISOR.

THE DEATH BENEFIT WILL BE REDUCED IF AN ACCELERATED BENEFIT IS PAID. 2. For the purpose of providing the Insured Member with notification of the effect the payment of the Accelerated Death

Benefit will have on the Death Benefit, the face amount, and the future contributions, the Accelerated Death Benefit item of the For the Benefit To Be Paid section of the Life and Dependent Life Insurance page(s) is replaced by the following:

For the Benefit To Be Paid Accelerated Death Benefit For the Accelerated Death Benefit to be paid, the Insured Member must give: (1) the Policyholder a completed, written request for the benefit on a form satisfactory to New York Life; and (2) New York Life satisfactory medical proof, in writing, that the Covered Person has a Terminal Illness, no later than 12 months before such Covered Person’s Termination Age Date. Each time the benefit is paid, New York Life will send to the Insured Member a statement which will specify the effect the payment of the Accelerated Death Benefit will have on the death benefit, the face amount and future contributions. Death Benefit For the Death Benefit to be paid, New York Life must receive satisfactory proof of the Covered Person’s death.

G-8100-1/CERT 9/1/01 GMR-MS




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. New Hampshire

Secretary President

G-8100-1/CERT 9/1/01 GMR

NEW HAMPSHIRE REGULATIONS The following applies to New Hampshire residents: 1. For the purpose of allowing New York Life to contest insurance on a COVERED PERSON for nonpayment of


Insurance On Covered Persons - Except for provisions that relate to nonpayment of CONTRIBUTIONS, New York Life cannot contest the validity of any initial, increased, or restored insurance on a COVERED PERSON after it has been in force for two years under the Policy during such COVERED PERSON'S lifetime. To contest, New York Life will only rely upon: (a) written statements signed by the INSURED MEMBER and/or his or her INSURED DEPENDENT: (1) in applying for such insurance; and/or (2) used to allow insurance to take effect, be increased or be transferred from another Policy; and/or (b) the provisions on the When Insurance Takes Effect page(s). A copy of all statements must be furnished to such person or to his or her beneficiary. Such statements are representations, not warranties.

2. For the purpose of deleting the 60-day period following the Conversion Period for notice of conversion right, the Notice

Of Conversion Right section is replaced by the following:

Notice Of Conversion Right If a COVERED PERSON has not been given notice of his or her conversion right before the 15th day of the Conversion Period, he or she will have an additional period within which he or she can exercise a conversion right. The additional period will: (a) not extend insurance beyond the end of the 31 day Conversion Period; and (b) end on the 15th day after such COVERED PERSON is given such notice. Written notice presented to the COVERED PERSON or mailed to his or her last known address by New York Life or the Policyholder will be deemed notice.

1. For the purpose of including the time insured under the group policy to determine the individual policy’s two year

contestable period and the two year period the suicide exclusion will not apply, the Individual Policy section of the Conversion Rights pages is replaced by the following:

Individual Policy The individual policy requirements are as follows: (a) a completed, written application for the individual policy must be given to New York Life, within the Conversion Period, on a form satisfactory to New York Life; (b) the first premium for the individual policy must be paid within the Conversion Period; (c) the premium for the individual policy will be based upon the applicant's class of risk and age; (d) the individual policy will be on one of the forms currently offered by New York Life, except term insurance, and will be issued without disability or other supplementary benefits; (e) the individual policy will take effect on the day after the Conversion Period Benefit ends; (f) the individual policy shall not be contestable after the second anniversary of the effective date of the group policy from which conversion was made; and (g) the suicide provision of the individual policy shall no longer apply after the second anniversary of the effective date of the group policy from which the conversion was made. The individual policy may provide less coverage at a higher premium than that provided for under the group policy.

G-8100-1/CERT 9/1/01 GMR-NH




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of February 19, 2007 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. New Jersey

Secretary President

G-8100-1/CERT 2/19/07 GMR

NEW JERSEY REGULATIONS

The following applies to New Jersey residents:

For the purpose of providing the same benefits, protections and responsibilities to parties of a civil union that are granted to

spouses in a marriage, the following Endorsement is attached to the Policy and Certificate:

NEW JERSEY CIVIL UNION ENDORSEMENT

PURPOSE:

This endorsement is part of the policy, contract, certificate and/or riders and endorsements to which it is attached and is

intended to provide benefits for parties to a civil union. New Jersey law requires that parties to a civil union shall have the

same benefits, protections, and responsibilities under law as are granted to spouses in a marriage. In order to receive benefits

in accordance with this endorsement, the parties to the civil union must have been issued a civil union license or civil union

certificate in accordance with the laws of the state of New Jersey.

GENERAL DEFINITIONS, TERMS, CONDITIONS AND PROVISIONS:

The general definitions, terms, conditions or any other provisions of the policy, contract, certificate and/or riders and

endorsements to which this mandatory endorsement is attached are hereby amended and superseded as follows:

Terms that mean or refer to a marital relationship or that may be construed to mean or refer to a marital relationship such as

“marriage,” “spouse,” “husband,” “wife,” “dependent,” “next of kin,” “relative,” “beneficiary,” “survivor,” “immediate

family” and any other such terms, shall also include the marital relationship created by a civil union.

Terms that mean or refer to a family relationship arising from a marriage such as “family,” “immediate family,” “dependent,”

“children,” “next of kin,” “relative,” “beneficiary,” “survivor” and any other such terms, shall also include the family

relationship created by a civil union.

Terms that mean or refer to the inception or dissolution of a marriage, such as “date of marriage,” “divorce decree,”

“termination of marriage” and any other such terms, shall also include the inception or dissolution of a civil union.

“Dependent” means a spouse, a party to a civil union, and/or a child or children (natural, stepchild, legally adopted or a minor

who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a civil union.

“Child or covered child” means a child (natural, step-child, legally adopted or a minor who is dependent on the insured for

support and maintenance) who is born to or brought to a marriage or to a civil union. G-8100-1/CERT 2/19/07 GMR-NJ




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. North Dakota

Secretary President

G-8100-1/CERT 9/1/01 GMR

NORTH DAKOTA REGULATIONS

The following applies to North Dakota residents:

For the purpose of including the one-year incontestable suicide period, the Suicide Exception under the What Benefit Is Payable section on the Life Insurance page is replaced by the following: Suicide Exception * - If an Insured Person's loss of life: (a) is due to or is related to: (1) suicide; (2) an attempt at suicide; or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring himself or herself; while such Insured Person is sane and such loss is within one year of the date insurance for such person: (a) most recently took effect; and/or (b) was increased; under the Policy, New York Life's only liability will be for a return of the applicable premiums paid to New York Life, except that: For an increase, New York Life will: 1. pay a benefit equal to the applicable amount of insurance under the option that: (a) was in force for two years or more;

and (b) would have been payable at the time of such loss had the option(s) not been changed; and 2. refund the premiums paid to New York Life for insurance in excess of the applicable amount of insurance that is payable. * The one-year suicide limitation is waived for Transfer Insurance. However, any subsequent increase in the Amount Of

Life Insurance will be subject to the two year suicide limitation.

G-8100-1/CERT 9/1/01 GMR-ND




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of January 1, 2000 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Texas

Secretary President

G-8100-1/CERT 1/1/00 GMR

TEXAS REGULATIONS The following applies to Texas residents: 1. The following notice is added above the first provisions on the first page of the Policy and on the first page of the

Certificate: NOTICE

THE POLICY IS SUBJECT TO AN INCREASE IN PREMIUM AT TIME OF RENEWAL AND INSURANCE ON THE INSURED MEMBER IS SUBJECT TO NONRENEWAL UPON THE INSURED MEMBER ATTAINING A

CERTAIN AGE

DEATH BENEFITS WILL BE REDUCED IF AN ACCELERATED DEATH BENEFIT IS PAID 2. For the purpose of expanding the definition of Terminal Illness, the Accelerated Death Benefit section on the Life and

Dependent Life Insurance pages is revised as follows:

Accelerated Death Benefit The Accelerated Death Benefit is available to a COVERED PERSON who has a Terminal Illness ("Terminal Illness" is an illness or physical condition, including a physical injury, that can reasonably be expected to result in death in two years or less).

3. For the purpose of allowing New York Life to contest insurance on a COVERED PERSON for nonpayment of


Insurance On Covered Persons - Except for provisions that relate to nonpayment of CONTRIBUTIONS, New York Life cannot contest the validity of any initial, increased, or restored insurance on a COVERED PERSON after it has been in force for two years under the Policy during such COVERED PERSON'S lifetime. To contest, New York Life will only rely upon: (a) written statements signed by the INSURED MEMBER and/or his or her INSURED DEPENDENT: (1) in applying for such insurance; and/or (2) used to allow insurance to take effect, be increased or be transferred from another Policy; and/or (b) the provisions on the When Insurance Takes Effect page(s). A copy of all statements must be furnished to such person or to his or her beneficiary. Such statements are representations, not warranties.

4. For the purpose of adding the attached IMPORTANT NOTICE (AVISO IMPORTANTE) to the Policy and the

Certificate. G-8100-1/CERT 1/1/00 GMR-TX

TEXAS REGULATIONS (Continued)

IMPORTANT NOTICE To obtain information or make a complaint: You may contact your third party administrator at 1-800-424-9883. You may call New York Life's toll-free telephone number for information or to make a complaint at:

1-800-666-3168 You may also write to New York Life at: The Office of Corporate Responsibility


51 Madison Avenue

New York, New York 10010

Telephone No.: (212) 576-7000

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at:

1-800-252-3439 You may write the Texas Department of Insurance P. O. Box 149104

Austin, TX 78714-9104

FAX # (512) 475-1771 PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim you should

contact the company first. If the dispute is not resolved, you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information only and does not become a part or

condition of the attached document.

____________________________________________________________________________________________________

AVISO IMPORTANTE Para obtener informacion o para someter una queja: Puede comunicarse con su administrador tercero al 1-800-424-9883. Usted puede llamar al numero de telefono gratis de New York Life's para informacion o para someter una queja al

1-800-666-3168 Usted tambien puedo escribir a New York Life: The Office of Corporate Responsibility


51 Madison Avenue

New York, New York 10010

Telephone No.: (212) 576-7000

Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas,

derechos o quejas al

1-800-252-3439 Puede escribir al Departamento de Seguros de Texas: P. O. Box 149104

Austin, TX 78714-9104

FAX # (512) 475-1771 DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe

comunicarse con la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI). UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o

condicion del documento adjunto.

GMR-TX-S&S




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 2001 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Virginia

Secretary President

G-8100-1/CERT 9/1/01

GMR

VIRGINIA REGULATIONS The following applies to Virginia residents:

The following notices are added to the face page of the Certificate:

“BENEFICIARY DESIGNATION MAY NOT APPLY IN THE EVENT OF ANNULMENT OR DIVORCE”

“Under Virginia law (Virginia Code Section 20-111.1), a revocable beneficiary designation in a policy owned by one spouse that names the other spouse as beneficiary becomes void upon the entry of a decree of annulment or divorce, and the death benefit prevented from passing to a former spouse will be paid as if the former spouse had predeceased the decedent. In the event of annulment or divorce proceedings, and if it is the intent of the parties that the beneficiary designation of the former spouse is to continue, you are advised to make certain that one of the following courses of action is taken prior to the entry of a decree of annulment or divorce: (i) change the beneficiary designation to make it irrevocable; (ii) change the ownership of the policy or contract; (iii) execute a separate written agreement stating the intention of both parties that the beneficiary designation is to remain in effect beyond the date of entry of the decree of annulment or divorce; or (iv) make certain that the decree of annulment or divorce contains a provision stating that the beneficiary designation is not to be revoked pursuant to Section 20-111.1.”

“IMPORTANT INFORMATION REGARDING YOUR INSURANCE”

“In the event you need to contact someone about this insurance for any reason please contact your agent. If no agent was involved in the sale of this insurance, or if you have additional questions, you may contact New York Life Insurance Company at the following address and telephone number:


51 Madison Avenue New York, New York 10010

Telephone Number: (212) 576-7000

If you have been unable to contact or obtain satisfaction from New York Life Insurance Company or the agent, you may contact the Virginia State Corporation Commission’s Bureau of Insurance:

State Corporation Commission 1300 East Main Street

Richmond, Virginia 23219 Or you can call 1-800-552-7945 outside of Richmond or 371-9741 in Richmond, and request a complaint form. Written correspondence is preferable so that a record of your inquiry is maintained. When contacting your agent, New York Life Insurance Company, or the Bureau of Insurance, have your policy number available. G-8100-1/CERT 9/1/01 GMR-VA




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of January 1, 2006 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Washington

Secretary President

G-8100-1/CERT 1/1/06 GMR

WASHINGTON REGULATIONS

The following applies to Washington residents: 1. The following notice is added to the face page of the Policy and Certificate:

THIS POLICY/CERTIFICATE INCLUDES AN ACCELERATED DEATH BENEFIT

2. For the purposes of clarification, the Accelerated Death Benefit section on the face page of the Policy and Certificate is replaced by the following: Accelerated Death Benefit The Death Benefit will be reduced by 50% if the Accelerated Death Benefit is paid. CONTRIBUTIONS will remain unchanged. New York Life will send the INSURED MEMBER a statement which will specify the effect the payment of the Accelerated Death Benefit will have on the Death Benefit and CONTRIBUTIONS. If the INSURED MEMBER receives payment of accelerated benefits from a life insurance policy, the INSURED MEMBER may lose his/her right to receive certain public funds, such as Medicare, Medicaid, Social Security, Supplemental Security, Supplemental Security Income (SSI), and possibly others. Also, receiving accelerated benefits from a life insurance policy may have tax consequences. New York Life cannot give the INSURED MEMBER advice about this. The INSURED MEMBER may wish to obtain advice from a tax professional or an attorney before deciding to receive accelerated benefits from a life insurance policy. There is no administrative charge made in connection with the payment of the Accelerated Death Benefit. THIS ACCELERATED DEATH BENEFIT DOES NOT AND IS NOT INTENDED TO QUALIFY AS LONG-TERM CARE INSURANCE.

3. For the purpose of revising the definition of Terminal Illness, the Accelerated Death Benefit section of the Life and

Dependent Life Insurance page(s) is replaced by the following:

Accelerated Death Benefit The Accelerated Death Benefit is available to a COVERED PERSON who has a Terminal Illness ("Terminal Illness" is a medical condition which a physician has certified is reasonably expected to result in a life expectancy of 24 months or less after the date of certification).

4. For the purpose of adding provision for a third party mediation concerning the Terminal Illness diagnosis, the

Accelerated Death Benefit provision of the For The Benefit To Be Paid section of the Life and Dependent Life Insurance page(s) is replaced by the following:

Accelerated Death Benefit For the Accelerated Death Benefit to be paid the INSURED MEMBER must give: (1) the Policyholder a completed, written request for the benefit on a form satisfactory to New York Life; and (2) New York Life satisfactory medical proof, in writing, that the COVERED PERSON has a Terminal Illness, no later than 12 months before such COVERED PERSON’S TERMINATION AGE DATE. If New York Life’s appointed health care provider disagrees with the COVERED PERSON’S physician that a Terminal Illness exists, the COVERED PERSON has the right to mediation or binding arbitration conducted by a disinterested third party who has no ongoing relationship with either party. The arbitration shall be conducted in accordance with statutory arbitration procedures. As part of the final decision, the arbitrator or mediator shall award the costs of arbitration to one party or the other or may divide the costs equally or otherwise.

5. For the purpose of limiting assignability to specific relatives, the Transfer of Ownership section of the Life and

Dependent Life Insurance page(s) is replaced by the following:

Transfer Of Ownership An INSURED MEMBER can transfer all or any part of incidents of his or her Life Insurance to his or her spouse, parents, or a trust for the benefit of any or all of them. The Policyholder agrees to accept CONTRIBUTIONS directly from the transferee.

6. For the purpose of limiting how often premium rates may be changed, item 1. of the New York Life’s Rights section

of the Premium page(s) of the Policy is replaced by the following: 1. Anniversary Date based on the experience under the Policy. New York Life will mail or deliver a written notice

to the Policyholder at least 60 days before the date such change is to take effect; or G-8100-1 1/1/06 GMR-WA




POLICYHOLDER TRUSTEE OF THE INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS LIFE INSURANCE PLAN POLICY NUMBER G-8100-1 (the "Policy") CONTRACT STATE MISSOURI NEW YORK LIFE agrees that the Certificate is changed, as of the later of September 1, 1999 or the INSURED MEMBER’S CERTIFICATE EFFECTIVE DATE, as follows: Based upon the applicable residence of the INSURED MEMBER, the attached State Regulations page(s) replaces the State Regulations page(s), if any, previously issued to the INSURED MEMBER. Wisconsin

Secretary President

G-8100-1/CERT 9/1/99 GMR

WISCONSIN REGULATIONS The following applies to Wisconsin residents:

KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? - If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem.

The Office Of Corporate Responsibility New York Life Insurance Company

51 Madison Avenue New York, NY 10010

Telephone Number: (212) 576-7000 You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency that enforces Wisconsin's insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by writing to:

Office of the Commissioner of Insurance Complaints Department

P. O. Box 7873 Madison, WI 53707-7873

or you can call 1-800-236-8517 outside of Madison or 266-0103 in Madison, and request a complaint form. G-8100-1/CERT 9/1/99 GMR-WI

Documents

New York Life Insurance Company