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Summary of Changes to Product Outlines

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Group Fixed and/or Variable Annuity (Updated 6/30/2010)

  1. Section (III)(F)(7)(b)(iii) was included to provide that bonus interest or credits may not be recaptured from the death benefit. 
  2. Section (III)(G)(16)(b)(v) addressing the recapture of a bonus from the death benefit was revised in accordance with the revisions to Insurance Law §4223 made in Chapter 170 of the Laws of 2008 to provide that death benefits shall not be less than the actual accumulation amount.

Individual Fixed Deferred Annuity (Updated 06/30/2010)

  1. Section (II)(E)(7)(b)(iii) was included to provide that bonus interest or credits may not be recaptured from the death benefit.
  2. Section (II)(F)(13)(b)(iv) addressing the recapture of a bonus from the death benefit was revised in accordance with the revisions to Insurance Law §4223 made in Chapter 170 of the Laws of 2008 to provide that death benefits shall not be less than the actual accumulation amount.

Individual Universal Life Insurance (Updated 09/09/2002)

  1. New section (II)(E)(16)(e) on terrorism exclusions added.
  2. New section (II)(E)(17)(c) on terrorism exclusions from disability benefits added.

Individual Flexible Premium Variable Life (Updated 09/09/2002)

  1. New section (II)(E)(18)(e) on terrorism exclusions added.
  2. New section (II)(E)(19)(c) on terrorism exclusions from disability benefits added.

Individual Term Insurance (Updated 09/09/2002)

  1. New section (II)(F)(8)(d) on terrorism exclusions added.
  2. New section (II)(F)(8)(e) on terrorism exclusions from disability benefits added.

Individual Whole Life Insurance (Updated 09/09/2002)

  1. New section (II)(F)(8)(d) on terrorism exclusions added.
  2. New section (II)(F)(8)(e) on terrorism exclusions from disability benefits added.

Group Variable Universal Life Insurance (Updated 09/09/2002)

  1. Section II.A.8.a and b expanded to include Reg. 62 citation and clarify submission requirement.
  2. Addition of language on terrorism exclusions in Sections IV.G.1, V.A.2, V.D, and V.E.

Group Universal Life Insurance (Updated 09/09/2002)

  1. Sections II.C.1.c.i and III.L.4 expanded to include Reg. 62 citation.
  2. Addition of language on terrorism exclusions in Sections III.F.6, III.L.3.b.iii, III.L.4, and III.L.5.

Group Term Life Insurance (Updated 09/09/2002)

  1. Addition of language on terrorism exclusions in Sections III.G.6, III.H.2.b.iii, III.H.3, and III.H.4.

Credit Insurance (Updated 09/09/2002)

  1. Addition of language on terrorism exclusions in Sections V.K.4 and V.L.1.i.

Updated 10/03/2011

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