Prepare your family in case tragedy strikesOnly one thing is absolutely certain in life, yet nearly 58 million Americans don’t have a plan for their death that includes life insurance. Many more simply don’t have enough insurance. In fact, 40 percent of Americans would have immediate difficulty paying bills if the primary wage-earner in their family died.2

Uses for Life Insurance $ Replace some of your lost income

for your family.

$ Help pay off your mortgage and provide your family with a debt-free home.

$ Liquidate credit card and other consumer debts.

$ Fund college for your children.

$ Provide for final expenses.

$ Alleviate financial stress for your family during an emotionally stressful time.

Do you have a spouse? Yes No

Do you have children?

Do they have college tuition?

Yes

Yes

No

No

Do you have elderly relatives who depend on you? Yes No

Does your household depend on two incomes to make ends meet? Yes No

In the event of your death, if your spouse is a wage-earner...

Does he/she need to acquire job-skills to maintain your current lifestyle?

Will your spouse need to take time off work?

Yes

Yes

No

No

In the event of your death, if your spouse is not a wage-earner...

Will you need additional income to hire someone for child care?

Will you need to hire someone for other household duties (cooking, cleaning, laundry, etc.)

Yes

Yes

No

No

Do you have a mortgage? Yes No

Do you have credit card debt? Yes No

Do you have college loans? Yes No

The more times you answer “Yes,” the more financially vulnerable your family is in the event of your death.

Find out how much life insurance you really need.bit.ly/LifeInsNeedsCalc

What will your loved ones do without you?

Is Your Family Financially Vulnerable? Take the Quiz to Find Out

Did you know?The average funeral costs $6,500.1

Your debt will be passed on to your heirs after your death.

There is no federal income tax on life insurance benefits.

Why Do You Need Life Insurance?

1-888-729-5433, Ext. 2013Monday-Friday: 7:30 AM - 8:30 PM (CT)

Saturday: 9:00 AM - 3:00 PM (CT)www.AlwaysCareBenefits.com

How to enroll:Talk to you benefits manager today about how to enroll.

1. National Funeral Directors Association, NFDA General Price List Survey, 2010

2. Social Security Administration, Fact Sheet Jan 2009

Extra benefits at no extra charge to you!

WH

Y LIFE 0113

AlwaysCare Benefits is a Starmount Life Insurance Company.

Form Series NHGRPOL. This is not a contract of insurance. Products and provisions not available in all states. Please note: this is a brief description of the AlwaysCare Benefits product offerings. It should be used only as a guide. It does not contain complete plan details; plan details and discounts may vary. Terms and conditions, including a complete list of benefits, limitations and exclusions, are defined in the Member certificate issued following enrollment in the plan. If questions arise concerning coverage, the subscriber certificate and riders will govern.

Products underwritten by National Guardian Life Insurance Company* (NGL) and administered by AlwaysCare Benefits, Inc.

*National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

What sets AlwaysCare Group Life Insurance apart?

• AcceleratedDeathBenefitRider— If you are diagnosed with a qualifying terminal illness, you may receive a benefit of up to 80% of your specified life insurance amount to a maximum of $100,000 (not approved in all states).

•Conversion — If part or all of your coverage is terminated, you may apply to convert part or all of your coverage to an individual policy, subject to terms of the group policy, without evidence of insurability.

•Portability Provision — If you leave your job before normal retirement age, you may continue your life coverage.

Why should you enroll?• Financial Protection — Benefit helps your family meet important

financial needs like funeral costs, mortgage payments or college funding.

• Peace of Mind — Lets your loved ones continue their lives with less financial stress.

• Simple Enrollment — Affordable coverage is available for you and your family members without health questions, up to the guaranteed issue benefit amount.

• EasyPayment,GroupRates — Premiums are paid by payroll deduction. Group rates are often lower than if you applied for coverage individually.

Employee Assistance Program (EAP)Every AlwaysCare Life plan comes with an EAP feature built in, including:

• Up to five face-to-face counseling sessions with a counselor, financial planner or a legal advisor (or split among the three types of professionals) up to one year after a claim.

• Eligible Members are entitled to unlimited telephone counseling for one year with counselors, personal assistants, and financial and legal advisors.

• Your own personal assistant to conduct research, coordinate events, or plan projects.

• Multilingual capabilities and TTY capabilities for the deaf

and hearing impaired.

Hearing Savings Plan

All Members and covered dependents have access to the AlwaysCare Hearing Savings Plan which includes:

• Discounts on major, name brand hearing instruments and accessories;

• 40% savings on hearing aid batteries; and

• On-call support with professional hearing counselors.

1-888-729-5433, Ext.2013 • www.AlwaysCareBenefits.com

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Talk to your benefits manager today to enroll!

3

3. LIMRA, Life Insurance Ownership Study, 2010.

30% OF HOUSEHOLDS hAVE NO lIFE iNSURANCE aT ALL

58 MILLIONDO NOT HAVE ADEQUATE LIFE INSURANCE