benefits Packet Spreads

HEALTH

SAVINGS

DENTAL
BENEFITVCISSAIROEN

INSURANCE DISCOUNTS

EMPLOYEE BENEFITS



HELLO

BENEFITS

INTRODUCTION
WELCOMEHAPPY
TO LIVESHAVE CYHOANUGING
L4LWELCOME ABOARD INFORMATION

WELCOME

WELCOME

Welcome aboard!

We are so happy to have you with us. Enclosed are your Benefit Summaries for all benefits offered to
you as a full-time employee. We believe that our employees are our finest asset so we strive to ensure
that the benefits we provide are carefully selected to meet the needs of our employees. Our
visionaries make every effort to ensure that our benefits remain both competitive and affordable.
We understand that your time is valuable so we no longer require you to complete countless benefit
enrollment forms. Instead, we have implemented online benefit enrollment. During the presentation
you will be provided with detailed information on how to use the online Benefit Administration
System. Our online system will allow you to access your benefit information and options 24 hours a day, seven
days a week, in the comfort of your home or while on the go.
If you should have an immediate question, you may contact the Employee Benefits Department at
(661) 272-1225 or send an email to [email protected].
Thank you,
Your Employee Benefits Department

EMPLOYEE BENEFIT INFORMATION AND ACKNOWLEDGEMENT SHEET

Employee Benefit Information
& Acknowledgment Sheet

Charter Name:

Name: SSN:
City, State, Zip Code:
Address: Cell Phone

Home Phone:

Marital Status: (Check One)

Single Married Widowed Divorced Domestic Partnership
Date of Birth:
Gender: Male Female

Employee Status: Full Time Personal Email Address:

I have been informed that the above information will be used to create a username and password for my
PlanSource benefit enrollment profile. I hereby acknowledge that I have received the Health Benefits Enrollment
packet. I understand that I am entitled to full benefits effective the 1st of the month following my 1 month
eligibility waiting period. I also understand and accept full responsibility in completing my Health Benefits
Enrollment on PlanSource once I have been instructed to do so. I furthermore accept any (and/or) all deduction
premium(s) I may have incurred and understand that the premium(s) will be deducted from my payroll check
each pay period in accordance with my elections.

Employee Signature: Date:
Benefit Representative Signature: Date:



DISCOUNTSFUN SPECIALS ATTRACTIONS

DEALS S$$A$V$E$

LOCAL & NATIONAL

EMPLOYEE DISCOUNTS
SAVINGS

PERKS

ABENITY

“LET THE $AVINGS BEGIN”

Learn4Life Employee Discount Program!!

LET THE $AVINGS BEGINLearn4Life is excited to announce the addition of an Employee Discount Program.
AsabveinngitLsy,eEwmiatphrloancyce4eesDlsiitfsoceothuonEutsmParnodgpsraolmof looyfcfaeelrasenedmDnpaloitisyoenceasol oduvisecnro$ut4n,t5Po0rf0foeinrsg, ram!

Learnc4aslihfebaisckecxocmitpeadristoonasnhonpopuinngc, eantdheexcaldusdivietiomnemobf earn-oEnlmy ppelrokys.ee discount Program.

ThoTuhsaonudssaonfddsisocofudnitsscionculnudtsinign:cluding:
· Ho·tHelos,teRless,tRaeusratanutsra&nMtso&viMe TohveieatTehrseaters

· Po·pPuolapruRleatraRileertsa,ilFelorsri,sFtslo&risLtosca&l LMoecarclhManetrschants
· The·mTheePmareksP,aNraktsi,oNnaaltiAotntraalcAtiottnrasc&tioConnsc&erCtsoncerts

Savings from vendors including:
· CoSstacov,iSnpgrisntf,rFoirmestvoenen,dDoirrescTiVn,cluding:

T·-MCoosbticleo,&SpDreinllt, Firestone, DirecTV, T-Mobile & Dell
· TaBr·rg&ToeattPhr.gcheoeirlmstip.,c,&soOCmPvohe, nOrilssiptvuoesmcrCkseot.rocnoEcsmklue.mc,cotBermroron,EoiBlckersscotoroksniBcrsothers,
Over 150 National Attractions:
· WaOlt Dviesnre1y 5W0orlNd/aDtisionenyaLalnAdtRtersaocrtt,ions:
Univ·eWrsaalltSDtuidsnioesy, SWeaoWrldo/rDldi,s&neCyirLqaunedduReSsooleritl,

Universal Studios, Sea World, & Cirque du Soleil

Once you have been pre-registered, you will have full access to the
discounts available to you as an employee. You will receive a Welcome
email that will include your username and log in inforOmnacetioyonu. Rheamveebmebeenrpre-registered, you will
to log in often because new discounts are added and uphdaavteefdulrleagcucelasrslyt.o the discounts available to
We want you to be a good steward of your hard-earnedymouonaseyananemd pglioveyee. You will receive a
you a reason to Celebrate Your Savings.
Welcome email that will include your

username and log in information. Remember

to log in often because new discounts are

added and updated regularly. We want you to

be a good steward of your hard-earned money

and give you a reason to Celebrate Your Savings.

Abenity Employee Discount Program offers

employees over $4,500 in savings, with

access to thousands of local and national

discount offers, cash back comparison

shopping, and exclusive member-only

perks.

EMPLOYEE DISCOUNT PROGRAM

Good News!

You are eligible for an employee discount. As an employee you can receive discounts on your personal
Verizon wireless account. You can be eligible for the following discounts:
• Up to 15% off the monthly access fee on qualifying voice plans of $34.99 or higher.
• Up to 25% off of accessories.

STEP 1: STEP 2:

Follow this link and you will be directed to the You will receive this message and will have to wait
following Verizon wireless page. for an email to be delivered to your company email
address.
https://www.verizonwireless.com/discount-program/

EMPLOYEE DISCOUNT PROGRAM
STEP 3:

You will receive an email delivered to your company email that will look like the screen shot below. Click
on the link Register Your Line and follow the instructions. When completed your line should be registered
for the company discount.

Already a Verizon Wireless Customer?

Register your line and complete enrollment to have your employee
discount applied to your qualifying line. Register Your Line

Act now! Link will expire in 72 hours.

PLEASE NOTE: In order to be eligible for the Verizon discount the account must be
in your name and not your spouses. If your Verizon account is in your spouse’s name
and you would like to utilize the discount, you will have to call Verizon customer service
and fill out paperwork to transfer responsibility from your spouse’s name to your name,
once this is completed you will qualify for the discount.

EMPLOYEE ASSISTANCE PROGRAM

EMPLOYEE IDENTITY ABILITY BENEFICIARY ESTATE LIFE
TRAVEL PROTECTION ASSIST ASSIST GUIDANCE CONVERSATIONS

ASSISTANCE SUPPORT
PROGRAM SERVICE

• A vailable if • T oll-free 24 hours • C ounseling • Emotional • Online Will • Counseling

traveling 100 a day professional Services or Grief preparation regarding life

miles or more from fraud recovery Counseling insurance elections

your home for 90 assistance • Financial • O nline assistance

days or less Planning • S tress, with licensed • Estate Planning

Assistance Anxiety and attorneys

• Pre-Trip Depression • Legal, emotional

Information • Legal • Also offers and financial

Consultations • R elationship additional counseling

• E megency or Marital estate planning

Medical Assistance conflict service for

additional

• Emergency • Substance purchase
Personal Services Abuse



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Additional Services

Benefit Highlights

Does my life insurance Your life coverage comes with value added services that help with challenges that come
coverage include any before and after a claim.
additional services? • Funeral Planning and Concierge Services 1 provides a suite of online tools to guide

you through key decisions before a loss, including help comparing funeral-related
costs. After a loss, this service includes family advocacy and professional negotiation
of funeral prices with local providers—often resulting in significant financial savings.
For more information on Funeral Planning and Concierge Services
Call 1-866-854-5429
Or visit www.everestfuneral.com/hartford Use Code: HFEVLC
• EstateGuidance ® 2 Will Services helps you protect your family’s future by creating a
will online—backed by online support from licensed attorneys. Your will is customized
and legally binding.
For more information on EstateGuidance® Will Services
Visit www.estateguidance.com/wills Use Code: WILLHLF
• Beneficiary Assist ® 2 Counseling Services offers compassionate expertise to help
you or your beneficiaries (those you name in your policy) cope with emotional,
financial and legal issues that arise after a loss. Includes unlimited phone contact with
a counselor, attorney or financial planner for up to a year, and five face-to-face
sessions.
For more information on Beneficiary Assist ® Counseling Services
Call 1-800-411-7239
• Travel Assistance Services with ID Theft Protection and Assistance 3 includes
pre-trip information to help you feel more secure while traveling. It can also help you
access medical professionals across the globe for medical assistance when traveling
100+ miles away from home for 90 days or less when unexpected detours arise. The
ID theft services are available to you and your family at home or when you travel.
For more information on Travel Assistance Services or ID Theft Services
Call 1-800-243-6108
Collect from other locations: 202-828-5885
Fax: 202-331-1528
Or email [email protected]
Travel Assistance Identification Number: GLD-09012
You’ll be asked to provide your employer’s name, a phone number where you can be
reached, nature of the problem, Travel Assistance Identification Number, and your
company policy number which can be obtained through your Human
Resources/Personnel department.
If you have a serious medical emergency, please obtain emergency medical services
first, and then contact Europ Assistance USA for follow-up.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford
Life Insurance Company, Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home
Office is Hartford, CT.

00079815
Creation Date: 1/17/2018

Page 1 of 3
4208 NS 02/12

Does my accidental Your AD&D coverage comes with value added services that help with challenges that
death and come before and after a claim.

dismemberment For more information on Beneficiary Assist ® Counseling Services
coverage include any Call 1-800-411-7239
• Travel Assistance Services with ID Theft Protection and Assistance 3 includes
additional services? pre-trip information to help you feel more secure while traveling. It can also help you
access medical professionals across the globe for medical assistance when traveling
100+ miles away from home for 90 days or less when unexpected detours arise. The
ID theft services are available to you and your family at home or when you travel.
For more information on Travel Assistance Services or ID Theft Services
Call 1-800-243-6108
Collect from other locations: 202-828-5885
Fax: 202-331-1528
Or email [email protected]
Travel Assistance Identification Number: GLD-09012
You’ll be asked to provide your employer’s name, a phone number where you can be
reached, nature of the problem, Travel Assistance Identification Number, and your
company policy number which can be obtained through your Human
Resources/Personnel department.
If you have a serious medical emergency, please obtain emergency medical services
first, and then contact Europ Assistance USA for follow-up.

Does my disability Your disability coverage comes with value added services that help with challenges that
coverage include any come before and after a claim.
• Ability Assist ® 4 Counseling Services provides access to Master’s- and PhD-
additional services?
degreed clinicians for 24/7 assistance if you’re enrolled in our long-term disability plan.
This includes 3 face-to-face visits per occurrence per year for emotional concerns and
unlimited phone consultations for financial, legal, and work-life concerns.
For more information on Ability Assist® Counseling Services
Call 1-800-964-3577
Or visit www.guidanceresources.com
Company name: Abili Company ID: HLF902
• Travel Assistance Services with ID Theft Protection and Assistance 3 includes
pre-trip information to help you feel more secure while traveling. It can also help you
access medical professionals across the globe for medical assistance when traveling
100+ miles away from home for 90 days or less when unexpected detours arise. The
ID theft services are available to you and your family at home or when you travel.
For more information on Travel Assistance Services or ID Theft Services
Call 1-800-243-6108
Collect from other locations: 202-828-5885
Fax: 202-331-1528
Or email [email protected]
Travel Assistance Identification Number: GLD-09012
You’ll be asked to provide your employer’s name, a phone number where you can be
reached, nature of the problem, Travel Assistance Identification Number, and your
company policy number which can be obtained through your Human
Resources/Personnel department.
If you have a serious medical emergency, please obtain emergency medical services
first, and then contact Europ Assistance USA for follow-up.

00079815
Creation Date: 1/17/2018

Page 2 of 3
4208 NS 02/12

Important Details
1 Funeral Planning and Concierge Services are offered through Everest Funeral Package, LLC (Everest). Everest is not
affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest
ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates.
2 EstateGuidance® and Beneficiary Assist® services are provided through The Hartford by ComPsych®. ComPsych is not
affiliated with The Hartford and is not a provider of insurance services. A simple will does not cover credit shelter trust, printing
or certain other features. These features are available at an additional cost to you.
3 Travel Assistance and ID Theft Protection and Assistance are provided by Europ Assistance USA. Europ Assistance is not
affiliated with The Hartford and is not a provider of insurance services.
4 Ability Assist® is offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a
provider of insurance services.
This benefit highlights sheet is an overview of the non-insurance services being offered and is provided for illustrative purposes
only and is not a contract. It in no way changes or affects the services as actually provided. Only the service provider can fully
describe all of the provisions, terms, conditions, limitations and exclusions of your non-insurance service coverage.

00079815
Creation Date: 1/17/2018

Page 3 of 3
4208 NS 02/12



TRAVEL24/7 HELP ESMEERRVGIECNECSY
ASSISTANCEIDENTITY THEFT PROTECTION
PREPAREINFORMATION PROTECT
GOOD TO GO

PRE-TRIP

TRAVEL ASSISTANCE



TRAVEL ASSISTANCE AND ID THEFT PROTECTION SERVICES

TRAVEL ASSISTANCE AND ID THEFT PROTECTION
SERVICES.

EVEN THE BEST PLANNED TRIPS As long as you contact Europ Assistance USA
CAN BE FULL OF SURPRISES. at the time of need, you could be approved for
up to $1 million in covered services.4
The best laid travel plans can go awry, leaving
you vulnerable and, possibly, unable to SERVICES FROM HERE TO THERE.
communicate your needs. When the unexpected
happens far from home, it’s important to know Travel Assistance begins even before you embark,
whom to call for assistance. with pre-trip information, and continues throughout
your trip. See the list of services in the chart on
If you are covered under a Hartford Group the back of this page.
Policy, you and your family have access to
Travel Assistance Services provided by Europ IDENTITY THEFT ASSISTANCE, TOO.
Assistance USA.1
Identity theft, America’s fast growing crime,
With a local presence in 200 countries and victimizes almost 10 million American consumers
territories around the world, and numerous 24/7 each year.5 Europ Assistance USA helps protect
assistance centers, they are available to help you you and your family from its consequences 24/7,2
anytime, anywhere. at home and when you travel.

GOOD TO GO: MULTILINGUAL In addition to prevention education, this service
ASSISTANCE 24/7. provides advice and help with administrative
tasks resulting from identity theft.
Whether you’re traveling for business or pleasure,
Travel Assistance services are available when
you’re more than 100 miles from home for 90
days or less.2,3

continued

TRAVEL ASSISTANCE AND ID THEFT PROTECTION SERVICES

EMERGENCY MEDICAL PRE-TRIP INFORMATION EMERGENCY PERSONAL IDENTITY THEFT ASSISTANCE
ASSISTANCE6 SERVICES7

đ
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đ
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đ ƫ
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- Card replacement
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- Translation
- Emergency cash advance*

* Cash advance available when theft occurs 100 miles or more from your primary residence. Must be secured by a valid credit card.

CASE ILLUSTRATION: HELP A WORLD AWAY.8

As a Human Resource Professional, Tammy had always been on the coordinating end of travel
services helping her company’s employees; but when her daughter was hurt while traveling with
her school group in Italy, she suddenly found herself in a different position.

Using the travel assistance medical referral, medical monitoring, and repatriation services from
Europ Assistance USA, Tammy’s daughter was able to receive immediate medical treatment
and was evacuated within 48 hours. The Europ Assistance USA Case Manager helped Tammy
through some of the most stressful days she’s experienced as a mother and provided care for her
daughter when she couldn’t.

What to have ready: Your employer’s name, a phone number where you can be reached, nature of the
problem, Travel Assistance Identification Number and your company policy number, which can be
obtained through your #FOFGJUT %epartment. 1PMJDZ


Have a serious medical emergency? Please obtain emergency medical services first
(contact the local “911”), and then contact Europ Assistance USA to alert them to your situation.
Call: 1-800-243-6108 Collect from other locations: 202-828-5885 Fax: 202-331-1528
Travel Assistance Identification Number: GLD-09012

Prepare. Protect. Prevail.®

Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.
Home office is Hartford, CT.
1 Travel Assistance and Identity Theft services are provided by Europ Assistance USA Europ Assistance USA is not affiliated with The Hartford and is not a provider of insurance services. Europ Assistance USA may
modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided to you by Europ Assistance USA as a part of the Travel Assistance and Identity Theft service are
insurance. This brochure, the Travel Assistance and Identity Theft service Terms and Conditions of Use, and the Identity Theft Resolution Kit constitute your benefit materials and contain the terms, conditions, and
limitations relating to your benefits. These services may not be used for business or commercial purposes or by any person other than the individual insured under The Hartford’s group insurance policy . The
Hartford is not responsible and assumes no liability for the goods and services described in these materials.
2 Coverage includes spouse (or domestic partner) and dependent children under age 26.
3 Services are available in every country of the world. Depending on the current political situation in the country to which you are traveling, EA may experience difficulties providing assistance, which may result in
delays or even the inability to render certain services. It is your responsibility to inquire, prior to departure, whether assistance service is available in the countries where you are traveling.
4 The Combined Single Limit (CSL), or amount of money available to the insured under a Hartford Group policy the Travel Assistance Program, is $1 million. One service or a combination of the services may exceed the
CSL. The insured is responsible for payment of any expenses that exceed the CSL. Note: Certain Accidental Death and Dismemberment programs may offer different CSLs. Please consult with your Human Resources
Manager for more details.
5 www.transunion.com/personal-credit/identity-theft-and-fraud/identity-theft-facts.page, viewed on 6/25/15.
6 In a medical emergency, Europ Assistance USA pays for assistance as described herein, but you are personally responsible for paying your medical/hospital expenses.
7 Europ Assistance USA provides the described personal services to you in an emergency, but you are personally responsible for the cost of air fare not approved as medically necessary by the attending physician;
food, hotel and car expenses; and attorney fees. Emergency cash advances and bail advancement require your personal satisfactory guarantee of reimbursement provided through a valid credit card.
8 This case illustration is fictitious and for illustrative purposes only.
9 Emergency cash is charged as a cash advance, and emergency airline tickets are charged as a purchase to your credit card account and are all subject to that account’s finance rates.
DISCLAIMER: Service Exclusions and Limitations: Europ Assistance USA (EA) services are eligible for payment or reimbursement by EA only if EA was contacted at the time of the services and arranged
and/or preapproved the services. Certain terms, conditions and exclusions apply; for further information refer to the Web site listed or call EA at the number provided.
4213 06/15 Printed in the U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.



COUNSELINGINFORMATION
COMPASSIONATE

SUPPORTEMOTLIOENGALALPARDOVTICEECT
ASSISTANCEADVICEPROFESSIONAL

RESOURCES

ABILITY ASSIST

ABILITY ASSIST®

ABILITY ASSIST® COUNSELING SERVICES

For employees covered under The Hartford’s approach takes the complexity out of benefits
Disability insurance, Critical Illness insurance when life throws you a curve.
or Leave Management Services.
COMPASSIONATE SOLUTIONS
GETTING SUPPORT SHOULD FOR COMMON CHALLENGES.
BE EASY.
From the everyday issues like job pressures,
Life presents complex challenges. If the relationships, retirement planning or personal
unexpected happens, you want to know impact of grief, loss, or a disability, Ability
that you and your family have simple Assist can be your resource for professional
solutions to help you cope with the stress support.
and life changes that may result. That’s why
the Hartford’s Ability Assist Counseling You and your family, including spouse and
Services, offered by ComPsych®,1 can play dependents, can access Ability Assist, at
such an important role. Our straightforward any time, as long as you are covered under
The Hartford’s Disability insurance,
Critical Illness insurance or Leave
Management Services.

ABILITY ASSIST COUNSELING SERVICES

Emotional Helps address stress, relationship or other personal issues you or your family members
or Work-Life may face. It’s staffed by GuidanceExperts� – highly trained master’s and doctoral level
Counseling clinicians – who listen to concerns and quickly make referrals to in-person counseling or
other valuable resources. Situations may include:

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Financial Provides support for the complicated financial decisions you or your family members may
Information face. Speak by phone with a Certified Public Accountant and Certified Financial Planner ™
and Resources Professionals on a wide range of financial issues. Topics may include:

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=

continued

ABILITY ASSIST®

ABILITY ASSIST COUNSELING SERVICES con’t.

Legal Support Offers assistance if legal uncertainties arise. Talk to an attorney by phone about the
and Resources issues that are important to you or your family members. If you require representation,
you’ll be referred to a qualified attorney in your area with a 25% reduction in customary
legal fees thereafter. Topics may include:
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Health A service that supports you through all aspects of your health care issues by helping to
ChampionSM !*/1.!Ƴ0$ 0Ƴ5+1Ě.!Ƴ"1((5Ƴ/1,,+.0! Ƴ3%0$Ƴ!),(+5!!Ƴ //%/0 * !Ƴ,.+#. )/Ƴ * Ɣ+.Ƴ3+.'ġ(%"!Ƴ
services. HealthChampion is staffed by both administrative and clinical experts who
understand the nuances of any given health care concern. Situations may include:

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= Online: The point is simplicity.
You’ll also have 24/7 access to
A CASE IN POINT.3 GuidanceResources® Online (offered by
ComPsych).1 This resource provides trusted
“The initial counselor I spoke with was so information, resources, referrals and answers
comforting and easy to communicate to everyday questions right from your desktop
with. She put me right at ease and or the privacy of your home. It includes:
empowered me to follow through with
the program. She was wonderful.” ĕ # /ſ. ..$*).ſ2$/#ſ+-*! ..$*) 'ſ(* - /*-.ď
– Hartford Customer, Ability Assist User
ĕ ſ ..ſ/*ſ#0) - .ſ*!ſ+ -.*) 'ſ# '/#ſ/*+$ .
SERVICE FEATURES. and resources for child care, elder care,
attorneys or financial planners.

The service includes up to three face-to-face Visit WWW.GUIDANCERESOURCES.COM
emotional or work-life counseling sessions per to create your own personal username and
occurrence per year. This means you and your password. If you’re a first-time user, you’ll
family members won’t have to share visits. be asked to provide the following information on
Each individual can get counseling help for the profile page:
his/her own unique needs. Legal and financial
counseling are also available by telephone 1. In the Company/Organization field, use:
during business hours. HealthChampion� HLF902
offers unlimited access to services.2
2. Then, create your own confidential user
GETTING IN TOUCH IS EASY. name and password.

On the phone: Just one simple call. 3. Finally, in the Company Name field at the
For access over the phone, simply call toll-free bottom of personalization page, use: ABILI
1-800-96-HELPS (1-800-964-3577).

Prepare. Protect. Prevail.®

Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.
Home Office is Hartford, CT.
1 Ability Assist®, The GuidanceResources® Program, and HealthChampionSM services are offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider

of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. ComPsych and GuidanceResources are registered trademarks and
HealthChampion is a service mark of ComPsych Corporation.
2 HealthChampionSM specialists are only available during business hours. Inquiries outside of this time frame can either request a call-back the next day or schedule an appointment.
3 This case illustration is fictitious and for illustrative purposes only.
4264 06/15 Printed in U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.



BENEFICIARY24/7 HELP

SUPPORTAPRSOSFEISSSTIOANANLCHEELP
COMPASSIONREEXSPOEURRTCISEES

COUNSELING
INFORMATION FINANCIAL

BENEFICIARY ASSIST

BENEFICIARY ASSIST® COUNSELING SERVICES

GETTING THROUGH A LOSS IS HARD. GETTING
SUPPORT TO COPE IS EASY.

The loss of a loved one can leave you ĕ ſ +ſ/*ſñ1 ſ! Ħ/*Ħ! ſ. ..$*).ſ*-
feeling overwhelmed. In addition to grief, equivalent professional time for one
you may have financial and legal worries. service or a combination.
Questions you can’t easily answer alone.
And maybe some unresolved issues. HANDLING A SPECTRUM OF
If you’re covered under The Hartford’s NEEDS WITH COMPASSION
Group Life or Accident insurance AND EXPERTISE.
policy, you have access to Beneficiary
Assist® counseling services provided Because Beneficiary Assist covers a
byComPsych.1 spectrum of concerns, you and your
beneficiaries will have a convenient,
PROFESSIONAL HELP AFTER A single source for the following needs.
LOSS OR TERMINAL ILLNESS. Emotional or grief counseling. ComPsych
GuidanceExperts� are master’s and
Beneficiary Assist provides you, your doctoral level clinicians who’ll listen to
eligible beneficiaries and immediate family your concerns with compassion and refer
members with unlimited 24/7 phone access you to the right resources for:
to help related to the death of yourself or a
loved one. That includes: ĕ -$ !ſ ) ſ'*..ď

ĕ ſ " 'ſ 1$ Đſñ) ) $ 'ſ+' ))$)"ſ ) ĕ /- ..Đſ )3$ /4ſ ) ſ +- ..$*)ď
emotional counseling for up to one year
from the date the claim is filed. ĕ ' /$*).#$+ĭ( -$/ 'ſ *)ô$ /ď

ĕ -* ' (.ſ2$/#ſ #$' - )ď

ĕ
* ſ+- ..0- .ď

ĕ 0 ./ ) ſ 0. ď

continued

BENEFICIARY ASSIST® COUNSELING SERVICES

CASE ILLUSTRATION: FINANCIAL INFORMATION
SOLID FOOTING.2 AND RESOURCES.

Greg’s sudden death at the age of With loss often come tough financial
42 came as an enormous blow to $.$*).ďſ # - ſ4*0-ſ *) -).ſ2$/#ſ -/$ñ ſ
his wife, Sharon. Besides the shock public accountants and certified financial
and grief, Sharon had to struggle planners for assistance with:
with debt and claims to Greg’s
estate by children from a former ĕ
) "$)"ſ ſ 0 " /ď
marriage. She went back and forth
between anger and depression. ĕ ./ / ſ '*.0- ď

Through Beneficiary Assist, she ĕ /$- ( )/ſ$(+ /.ď
was able to link up with counselors
who listened compassionately and ĕ 3ſ,0 ./$*).ď
referred her to a grief expert. She
also used the legal and financial ĕ //$)"ſ*0/ſ*!ſ /ď
counseling resources to get solid
answers to complex questions. LEGAL SUPPORT AND RESOURCES.

When legal uncertainties arise, get the help
you need. Attorneys are available for private
consultations for the following:

ĕ ./ / ſ ) ſ+-* / ď

ĕ /ſ ) ſ )&-0+/ 4ď

ĕ 'ſ ./ / ſ/- ). /$*).ď

ĕ ($'4ſ' 2ď

If additional legal representation is needed
4*) ſ/# ſ! Ħ/*Ħ! ſ1$.$/.Đſ4*0ſ )ſ ſ
referred to a qualified attorney in your area.
You may qualify for a 25 percent reduction
in the attorney’s customary fees by using the
*( .4 #ſ /2*-&ď

REACH OUT.

$) ſ*0/ſ(*- ſ *0/ſ ) ñ $ -4ſ ..$./ſ
counseling services by calling 1-800-411-7239.
It’s a service you’ll be glad to have when you
need it.

Prepare. Protect. Prevail.®

Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.
Home office is Hartford, CT.
1 Beneficiary Assist® is offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no
liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time.
2 This case illustration is fictitious and for illustrative purposes only.
4211 06/15 Printed in the U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.



CONVENIENT RESOURCES

ESTATEWILLSSEUPRPVOIRCTES
HELPSIMPLE QUICK

ESTATE GUIDANCE
GUIDANCE

ASSISTANCE

ESTATEGUIDANCE® WILL SERVICES

CREATE A SIMPLE WILL FROM THE CONVENIENCE
OF YOUR DESKTOP.

Whether your assets are few or many, ĕ ſ $/$*) 'ſ ./ / ſ+' ))$)"ſ. -1$ .ſ -
it’s important to have a will. It’s the only also available for purchase, including
way to ensure that your intentions will the creation of living wills and trusts,
be honored in the event of your death. guidance about divorce proceedings,
A will states your wishes about who and durable power of attorney.
will inherit your property, who will be
the guardian of your children, and who QUICK ANSWERS TO KEY
will manage your estate. Without a will, QUESTIONS.
those decisions may be left to others.
Where there’s a will, there are bound to
AN EASY AND EMPOWERING be questions. Here are answers to four
SOLUTION. common ones.

As a covered employee under a Hartford “ Isn’t will preparation complicated?”
Group Life insurance policy, you have Not with EstateGuidance®. You’ll be asked
access to EstateGuidance® Will Services a series of questions online that are used
provided by ComPsych®.1 It helps you to compose your will. In many states, you
create a simple, legally binding will quickly need only add your signature to make the
and conveniently online, saving you will valid.
the time and expense of a private legal
consultation. Other advantages include: “ What if I have questions as I’m
creating my will?”ſ # ſ*)'$) ſ 0 /$*)ſ
ĕ ſ )'$) ſ ..$./ ) ſ!-*(ſ'$ ). ſ //*-) 4. center provides answers regarding family
should you have questions. law. You can also access fully licensed
attorneys who’ll respond to you online.
ĕ ſ # ſ $'$/4ſ/*ſ. 1 ſ - !/.ſ!*-ſ0+ſ/*ſ.$3
months. During this period, you can “ What about my privacy?” All
revise your will at no cost, as long as you information is kept secure and
haven’t already printed or downloaded it. confidential with the latest encryption
technology.2

continued

ESTATEGUIDANCE® WILL SERVICES

CASE ILLUSTRATION: “ So, what happens if I don’t create a will?”
THE FINAL WORD.3 # ſ./ / Đſ)*/ſ4*0Đſ2*0' ſ $ ſ#*2ſ4*0-ſ
property is distributed. In most states, all of
Laura was the single parent of a your community and joint property would
six-year-old daughter, Amy. She pass to your spouse if you have one. Separate
worried that if she were to die, her property is passed according to a complex
modest but hard-earned assets order of distribution, regardless of your
would not be available to her loved ones’ wishes. By drafting a will, you
daughter. can spare them a potentially awkward and
contentious situation.
The cost of a legal will seemed
beyond her means until she GOOD INTENTIONS AREN’T ENOUGH.
discovered EstateGuidance®
through her group life insurance You might have the best of intentions,
provider. With it, she was able but without a will, they aren’t legally
to appoint her older sister as $) $)"ďſ & ſ/#$.ſ*++*-/0)$/4ſ/*ſ+0/ſ
executor of her will and name her your intentions into action.
brother and sister-in-law as Amy’s
legal guardians. She felt better Visit
knowing that she would have WWW.ESTATEGUIDANCE.COM/WILLS
the final word in protecting her today. Use this code: WILLHLFďſ # )ſ
daughter’s best interests. follow the easy steps below:

Ćď ſ ..ſ # ſ -/!*- ğ.ſ ./ / 0$ ) ŀ
Will Services online.

2. Sign in to the secure site by entering the
access code.

3. Follow the instructions and create your will.

4. Download the final will to your computer
and print.

5. Obtain signatures and determine if your
will should be notarized.

Prepare. Protect. Prevail.®

Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.
Home office is Hartford, CT.
1 EstateGuidance® is offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and
assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. A simple will does not cover credit shelter trust, printing or
certain other features. These features are available at an additional cost to you.
2 The EstateGuidance® website is secured with a GoDaddy.com Web Server Certificate. Transactions on the site are protected with up to 256-bit Secure Sockets Layer encryption.
3 This case illustration is fictitious and for illustrative purposes only.
Services may not be available in all states.
4212 06/15 Printed in the U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.



LCIFOENVERSATIONSPFUENAECRAELOPLFANMNIINNGD
COMPASSIONRDEESCOIUSRIOCNESS

TRUSTED ADVISOR
SUPPORTINFORMATION CONCIERGE

LIFE CONVERSATIONS

FUNERAL PLANNING AND CONCIERGE SERVICES

ADDED PEACE OF MIND WHEN IT’S NEEDED THE MOST.

The death of a loved one is one of EVEREST SERVICES
life’s most stressful situations. Quick,
often costly decisions must be made 24/7 Advisor đ ƫ +1* ġ0$!ġ (+ 'Ƴ !//Ƴ0+
while emotions are at their peak. Assistance 2!.!/0Ƴ 2%/+./Ǝ
Yet, how many people know how
to plan a funeral? That’s why your đ ƫ //%/0 * !Ƴ3%0$Ƴ ((Ƴ"1*!. (
employer offers a funeral planning ,( **%*#Ƴ%//1!/Ǝ
and concierge service through The
Hartford’s Group Life insurance PriceFinderSM đ ƫ $!Ƴ+*(5Ƴ* 0%+*3% !
program – provided by Everest,1 the Research 0 /!Ƴ+"Ƴ"1*!. (Ƴ$+)!
first to offer this service nationwide. Reports
,.% !/Ǝ
THE RESOURCES TO HELP YOU Online Planning
MAKE CONFIDENT, INFORMED Tools đ ƫ !0 %(! Ƴ(+ (Ƴ"1*!. (Ƴ$+)!
DECISIONS. ,.% !Ƴ +), .%/+*/Ǝ

Everest’s advisors help families đ ƫ *(%)%0! Ƴ !//Ƴ0+Ƴ.!,+.0/
understand all of their options and put 2 %( (!Ƴ+*Ƴ !) * Ƴ2% Ƴ0$!
them into action while staying within ! Ƴ/%0!Ǝ
their budget. Here are the services they
offer you, your spouse/partner and đ ƫ *(%)%0! Ƴ1/!Ƴ+"Ƴ 2!.!/0Ě/
children under the age of 26. +*(%*!Ƴ,( **%*#ƏƳ.!/! . $Ə
* Ƴ'*+3(! #!Ƴ0++(/Ǝ

đ ƫ .! 0!Ƴ/%),(!Ƴ+.Ƴ !0 %(!
"1*!. (Ƴ,( */Ƴ1/%*#Ƴ2 .%+1/
.!"!.!* !Ƴ) 0!.% (/Ə
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!2!.5+*!Ƴ/$+1( Ƴ) '!Ǝ

đ ƫ*"+.) 0%+*Ƴ *Ƴ !Ƴ/0+.! Ə
1, 0! ƏƳ.!0.%!2! Ƴ *
,.%*0! Ƴ+*Ƴ !) * Ǝ

continued

FUNERAL PLANNING AND CONCIERGE SERVICES

EVEREST SERVICES con't

At-Need Family đ ƫ +* %!.#!Ƴ/!.2% !/Ƴ 0Ƴ+.Ƴ*! .
Support 0$!Ƴ0%)!Ƴ+"Ƴ ! 0$Ƴ,.+2% !
5Ƴ 2!.!/0Ě/Ƴ(% !*/! Ƴ"1*!. (
CASE ILLUSTRATION: A %.! 0+./ƏƳ3$+Ƴ+û!.Ƴ /Ƴ)1 $Ƴ+.
SHOULDER TO LEAN ON.2 /Ƴ(%00(!Ƴ //%/0 * !Ƴ /Ƴ0$!Ƴ" )%(5
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đ ƫ !#+0% 0%+*Ƴ+"Ƴ0$!Ƴ"1*!. (Ƴ +/0/
!.Ƴ 2!.!/0Ƴ 2%/+.Ƴ //%/0! Ƴ 3%0$Ƴ0$!Ƴ"1*!. (Ƴ$+)!ƏƳ+"0!*
3%0$Ƴ!2!.5Ƴ /,! 0Ƴ+"Ƴ0$!Ƴ"1*!. (Ƴ .!/1(0%*#Ƴ%*Ƴ/%#*%ü *0Ƴü* * % (
,( **%*#Ƴ,.+ !//ƏƳ#%2%*#Ƴ ,.%(Ƴ / 2%*#/Ǝ
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0%)!ƎƳ * Ƴ/$!Ƴ.! !%2! Ƴ *Ƴ Express Claim đ ƫ * (1 !/Ƴ 4,.!//Ƴ 5ƏƳ *
!4,! %0! Ƴ(%"!Ƴ%*/1. * !Ƴ, 5)!*0Ƴ Processing %**+2 0%2!Ƴ ( %)/Ƴ, 5)!*0
3%0$%*Ƴ Ƴ3!!'Ƴ+"Ƴ$!.Ƴ$1/ * Ě/Ƴ /!.2% !Ƴ0$ 0Ƴ *Ƴ !(%2!.Ƴ !*!ü0/
= %*Ƴ /Ƴ(%00(!Ƴ /ƳƈƌƳ$+1./Ǝ
! 0$ƏƳ3$% $Ƴ$!(,! Ƴ! /!Ƴ) *5Ƴ
+"Ƴ0$!Ƴ" )%(5Ě/Ƴü* * % (Ƴ,.!//1.!/ƎƳ đ ƫ ((+3/Ƴ5+1.Ƴ !*!ü % .5Ƴ0+Ƴ1/!
2!.!/0Ě/Ƴ/!.2% !/Ƴ.!(%!2! Ƴ ,.%(Ƴ+"Ƴ 0$!Ƴ%*/1. * !Ƴ,.+ !! /Ƴ0+Ƴ, 5
/+)!Ƴ+"Ƴ0$!Ƴ/0.!//Ƴ0$ 0Ƴ +)!/Ƴ3%0$Ƴ "+.Ƴ%))! % 0!Ƴ"1*!. (Ƴ!4,!*/!/Ǝ
(+//ƏƳ ((+3%*#Ƴ$!.Ƴ0+Ƴ"+ 1/Ƴ+*Ƴ$!.Ƴ
" )%(5Ǝ A TRUSTED ADVISOR DURING
THE WORST OF TIMES.

We can’t always predict, but we can prepare.
Find out more about The Hartford’s Funeral
and Concierge Services by calling
1-866-854-5429.

Or visit

WWW.EVERESTFUNERAL.COM/HARTFORD

and use this code: HFEVLC.

Prepare. Protect. Prevail.®

Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.
Home office is Hartford, CT.
1 Funeral Concierge Services are offered through Everest Funeral Package, LLC (Everest). Everest and the Everest logo are service marks of Everest Funeral Package, LLC. PriceFinder is a service mark of Everest

Information Services, LLC. Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance
Company or any of their affiliates. The Hartford is not responsible and assumes no liability for the services provided by Everest Funeral Package, LLC as described in these materials.
2 This case illustration is fictitious and for illustrative purposes only.
4210 06/15 Printed in the U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.



FINANCIALGOALS FUNDS AGSRSOEWTTSH

SAVINGSSERVICES
PORTFOLIO

FUTURE
RETIREMENT INVESTING

403B RETIREMENT SAVINGS PLAN

Voya Index Solution PortfoliosING Solution PortfoliosSM (Effective ?) SM ING SOLUTION

An investment path designed to keep retirement goals on track. STABILITY O
LARGE CAP
LARGE CAP
SMALL/MID
GLOBAL/INT

Your employer-sponsored retirement What’s an Index Solution PortfolioSM and how can it help
savings plan makes it easy for you guide you to retirement?
to save for your future. But when ING SOLUTION 2055 PORTFOLIO ING SOLUTIO
it comes to choosing a mix of
investments that suits your personal To build a diversified investment portfolio, you typically choose a handful of
timetable for retirement, it can get funds from different asset classes that you believe wilSlThAeBIlLpITYyoOuF PrReINaCcIPhALyFoUuNrDS
complicated – especially if you lack financial goals for retirement. But a Voya Index SolutioLnARPGoE rCtAfoP lViAoLSUMEh(LeVl)ps you22% STABILITY
the interest or time to manage your eliminate the guesswork of picking multiple funds becLaAuRGsEeCyAoP uGRoOnWlTyHc(hLGo)ose22% LARGE CA
portfolio. That’s why your employer one fund based on the year you want to retire or yourSiMnAvLeL/sMtmID/eSPnEtCIgALoTaYl(SdMa)te.20% LARGE CA
offers you a simpler investment path Professional investment managers do all the work by yGineLvOaeBrAssLtu/iInNngTtEilRinNreAaTtiIOmreNimAxLeo(Gnf Ltf).u3An1nd%ds SMALL/MI
to save through the plan; it’s called in a variety of asset classes guided by the number of GLOBAL/IN
the Voya Index Solution PortfoliosSM.
This chart shows you how a Voya Index they automatically monitor and rebalance the portfolio and shift assets to more
Solution PortfolioSM adjusts over time. When conservative investments as the retirement date draws near.
you’re further away from your retirement
year, your portfolio has more time to take pHoorwtfoinlidoebxescoolmuteiosInNmGpSooOrLreUtfTocIOolNion2s0s5e5arPrvOeaRTatFidvOLejIuOsted over time as each ING SOLUTIO
advantage of market highs and recover from
market lows so it includes more aggressive ING SOLUTION 2035 PORTFOLIO
funds (orange). Over time, as you get closer
to retirement, assets in the portfolio gradually STABILITY OF PRINCIPAL FUNDS STABILITY OF PRINCIPAL FUNDS STABILITY O
shift to more conservative investments LARGE CAP
(yellow). LARGE CAP VALUE (LV) 22% LARGE CAP VALUE (LV) 21% LARGE CAP
SMALL/MID
LARGE CAP GROWTH (LG) 22% LARGE CAP GROWTH (LG) 21% GLOBAL/IN

SMALL/MID/SPECIALTY (SM) 20% SMALL/MID/SPECIALTY (SM) 23%

More Aggressive GLOBAL/INTERNATIONAL (GL) 31% GLOBAL/INTEMRoNrAeTICOoNnAsLer(GvaL)tiv2e0%

Initially the portfolio will Some money is gradually More is allocated to stability
include a mix of more shifted out of more aggressive of principal funds.
aggressive funds. funds and into more income-
oriented funds.
ING SOLUTION INCOME PORTFOLIO
ING SOLUTION 2035 PORTFOLIO
The pie charts displayed reflect the long-term, strategic asset
Asset Class key allocation composition (“STaTArgBeItLAITllYocOaFtioPnRsI”N)CaInPdALarFeUrNevDieSwed
STABILITY OF PRINCpIePrAioLdFicUaNllyD,Showever, changes to these target allocations may
n Stability of principal funds oP(LcleVcau)sreorneafeqr u2toa1r%ttheerlyprboasspiseLLAAcotRRruGGassEEfowCCraAAmrPProarVGneAtReiOLndUfWobEryTm(HmLaVta(i)LorkGne).t condi8ti%ons.
n Income-oriented funds LARGE CAP VALUE
n Aggressive funds 7%

LARGE CAP GROWTH (LG) 21%
Important Information: There is noSMguAaLrLa/nMteIDe/tShPaEtCaInAyLTinYve(SsMtm)ent2o3p%tion will aScMhieAvLeL/iMtsIsDta/StPeEdCoIbAjLeTcYtiv(eS.MP)rincip9a%l
avaplpureoxfliumcatuteatdeastaenwdhtehneraenisinnvoesgtuoarGrpLalOnatnBesAetLoo/IfsNvtaTarElutRewNiaAtthTdaInrOayNwtAiimnLge(,tGhinLec)irlu2md0oi%nngetyh. eWthaerGgnLetOthdeBaiArteLta/.IrTNgheTetERd“taNatAregTiesIOtrdeNaaAtceLh”e(Gids,Lt)thhee6y%
may have more or less than the original amount invested. For each target-date portfolio, until the day prior to its target
date, the portfolio will seek to provide total returns consistent with an asset allocation targeted for an investor who is
retiring in approximately each portfolio’s designated target year. On the target date, the portfolio will seek to provide a
combination of total return and stability of principal.

SgtroecaktesraflreucmtuoarteiovnoslaintilveatlhuaenthbaoInNnGdpsoS,rtOafnoLdlUiopTsIoOwrtNiftohIlNiaoCshOwigMihtheEraPcOhoinRgcTheFenOrtcLraoIOtniocnenintrabtoionndso.fFsotorecikgsnasrteocmkosraenldikesmlyatoll experience
and midcap
stocks may be more volatile than large cap stocks. Investing in bonds also entails credit risk and interest rate risk.
Generally investors with longer timSeTAfraBmILeITsYcaOnFcPoRnIsNidCeIPrAaLssFuUmNinDgSmore risk in their investment portfolio. The Voya
IwnidthexoSr ochluatniognePtoorotftohleiorspSMoratrfeolaiocstiLovAevRelyrGmtEimaCneAa.PgReeVdfAearLnUtdoEtth(hLeeVap) srosespt eaclltoucs8af%toiornmaodrjeusintefodromvaetriotnimaeb.oTuhtethpeorstpfoelcioifiscmriasyksmoefrge
investing in the various asset classLeAsRiGncEluCdAePdGinRtOhWe VToHya(LIGnd) ex Sol7u%tion PortfoliosSM.

SMALL/MID/SPECIALTY (SM) 9%

GLOBAL/INTERNATIONAL (GL) 6%

How do you pick the index solution portfolio that works
for you?

Voya Index Solution Portfolios include 10 funds, each spanning five-year
increments. Consider the year you plan to retire, or your investment goal year
when analyzing the portfolios that may work for you. For example, if you plan
to retire in 2042, you would likely consider the Voya Solution 2040 Portfolio.

Fund name Target retirement year

Voya Index Solution Income Portfolio For those retiring soon
Voya Index Solution 2020 Portfolio For those retiring 2018-2022
Voya Index Solution 2025 Portfolio For those retiring 2023-2027
Voya Index Solution 2030 Portfolio For those retiring 2028-2032
Voya Index Solution 2035 Portfolio For those retiring 2033-2037
Voya Index Solution 2040 Portfolio For those retiring 2038-2042
Voya Index Solution 2045 Portfolio For those retiring 2043-2047
Voya Index Solution 2050 Portfolio For those retiring 2048-2052
Voya Index Solution 2055 Portfolio For those retiring 2053-2057
Voya Index Solution 2060 Portfolio For those retiring 2058 or later

Check with your employer for information about the specific target date funds
offered by your plan.

How can you learn more about Voya Index Solution PortfoliosSM?

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency
Variable annuities and mutual funds under a retirement plan are long-term investments designed for retirement purposes. Early withdrawals prior to age 59½ will be subject to a
10% premature distribution penalty tax, unless an exception applies. Money taken from the plan will be taxed as ordinary income in the year the money is distributed. Account values
fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. An annuity does not provide any additional tax
deferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject.
However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.

You should consider the investment objectives, risks, charges and expenses of the variable product and its underlying fund options; or
mutual funds offered through a retirement plan, carefully before investing. Prospectuses/prospectus summaries/information booklets
contain this and other information, which can be obtained by contacting your local representative. Please read the information carefully
before investing.

Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company
(“VRIAC”). Fixed annuities are issued by VRIAC. VRIAC is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan
Services, LLC (“VIPS”). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by
Voya Institutional Trust Company. All companies are members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other
broker-dealers with which it has a selling agreement. All products or services may not be available in all states.
157545 3015763.X.P-6 © 2017 Voya Services Company. All rights reserved. CN0427-33916-0519D

Voya.com

5039288

Learn4Life Concept Charter Schools 403(b) Plan

Model Portfolios

A model for your personal standards

Special Report

A role model is someone What kind of assets does • Bonds (Conservative/ Moderate/
we try to emulate; their your model have? Aggressive)
behavior sets the standard Seeks income or growth of income,
for imitation or comparison. Model portfolios can help you work with less emphasis on capital
In many ways, a model toward your personal investment appreciation. May include aggressive:
portfolio is no different. It’s objectives by using “asset allocation below-investment grade bonds or
an investment strategy you strategies,” which consider the historic bonds of foreign issuers; moderate:
decide to emulate based on rates of return of different asset investment-grade corporate bonds,
your goals, risk tolerance classes over long periods of time. mortgages, government bonds and,
and timeframe. An asset class is a broad group of to a lesser degree, preferred stock,
individual securities or investments foreign or convertible bonds; or
This information is provided for your education that have similar characteristics, such conservative: Treasury Bills and other
only by the Voya® family of companies. as risk or market capitalizations. While highly-rated, short-term (e.g., 90-day)
using asset allocation as part of an securities.
investment strategy neither assures
nor guarantees better performance • Large Cap Value (Moderate)
and cannot protect against loss Seeks long-term growth of capital or
in declining markets, it is a well- a combination of growth and income
recognized risk management strategy. by investing primarily in stocks of
larger, mature companies. Selected
Model portfolios are typically for the potential price appreciation
comprised of six different asset and for the value of the current
classes: income provided through dividends.
Generally exhibit a lower level of
• Stability of Principal (Conservative) price volatility, due to the types of
Seeks to hold the principal value companies favored, such as those
of an investment stable through able to pay dividends.
various market conditions. May credit
a stated rate of return or minimum • Large Cap Growth (Moderate/
periodic interest rate that may vary. Aggressive)
Dividend rates and income levels Seeks long-term growth of capital by
fluctuate with market conditions and investing primarily in stocks of larger
are not guaranteed. U.S. companies. Typically has higher
price/earnings ratios and makes little
or no dividend payments. Tends to be
more established, with lower relative
volatility, than more aggressive small
and mid-cap stocks.

• Small/Mid/Specialty (Aggressive) • Global/International (Aggressive)
Seeks capital appreciation by Seeks capital appreciation by
investing primarily in stocks of small- investing in foreign stock: stocks of
and medium-sized companies; also companies outside the United States;
invests in “specialty” or “sector” world stock: stocks of companies
companies, which include those in a in the United States and developed
particular industry. Generally, strives to countries outside the United States;
develop new products or markets and and emerging markets: stocks of
has above-average earnings growth developing countries. May provide
potential, but with higher risk and greater diversification benefits
volatility. than domestic securities alone, but
involves additional risks.
Model Investment Portfolios/Alloc

Self-Assessment Quiz and Model Portfolios Model InvestmenAAGstsGePRt oECSlraStsIsfVoElPioORsT/FAOlLlIoO c

Bonds

This self-assessment quiz will help you determine your risk itnovleesratonrcep.roOfinlMec.eoEdyaeocl uhIn’vmveeoscdtamelcleugnAAlGstiaSLLsvGeaamPteRrrteggaoECsleelSdl/raMCCStsyIaaisfVydppoo/EoSVGulpPairueoOolucwarResiatTh/ltFAyOlLlIoO c
score, review the model portfolio that corresponds to your portfolio.GBolonbdasl/International
Large Cap Value
general idea of how you could use different asset classes to build a well-diversified

After reviewing the model portfolios, you can choose from specific investMmoednetl oInpvteiosntms eonAAfGsftSLseGeamPRrrtgaoeEClelSl/radMCStsIaisfVdpbo/ESGlypPireoOocwRsiatTh/ltFAyOlLlIoOc
your Plan in each asset class. AAAMMAAGGssssOOGLBLLLSBBLLSGssssGGeeeeaaaaaaDDtmooollaooRRrrrrrrttttnnnEEggggggabbbEECCCCdddRRleeeeeeiaalSSlllllsss/iAAaaaalltMCCCCCCSS//yssssTTIInnIIaaaaaaissssEEVVdottppppppLLee/fEESYYGVVGGVrrPnnpPPaaarrrrAAaaeiOOooolllnuuuGGttcwwwiicRReeeooiGGaitttTTpnnhhhlRRtFFaaayEEOOlll SSLLSSIIOOIIVVEE

Self-Assessment Quiz SCORE Model MPoodrtefol lIinovsestment Portfolios/Alloc< 5%AggressiveSBStmmoanaabdllills//itMMyiiddo//fSSPppreeinccciiaaipllttayyl
Scoring: 4 Strongly Agree 3 Agree 2 Disagree 1 Strongly Disagree < 23% SPcoortrfeo: l2io8-32MMAsOOBLLGGSBLGLSGSseaaaaDDtmmoollllaoooorrrrtnnEEggggaabbbbbCddRRlleeeeiaaaallllss//iAAalllltMMCCCC////ysTTIIIInnnnaaaaiisEEddottttppppLLeeee//fPSSYYGVVGrrrrPOnnnnppaarrrAAaaaaeeiooRllnuuGGttttccwwTiiiiceeooooiiGGaaiFttpnnnnhhllRROttaaaaayyEElllLll SSIOSSIIVVEE
Financial Goals < 21%
1. Investments: I have long-term financial goals of 10 years or longer. < 25% AsLseartgCelaCsasp Value
< 26%
< 7%
< 13%
2. Large expenses: I do not need short-term investment results to cover < 23% ModSLeatarrgbaeiltiteCylaoypf GPrrionwcitphal
financial obligations or planned expenditures. < 16% AgMgOBSrDemonEsadRslls/AiMvTieEdL/SYpAeGciGalRtyESSIVE
< 20% PScoAAMorsstOrSLLGBSSssfeeeaaDttmoolaa:orrttnElggabbb2CCidRleeiioalllll3s/iiAaalttMCC/yy-ssTInaa2issEdootpp7e/ffPSGVrPPOnparraeiioRlnnutcwTicceoiaiiFtppnhlOtaaayllLl IO
3. Inflation: Despite the risks, growth of capital is most important to me. < 21% ModerateMMAsOOGGSLGBSSLLBLseaaaaDDtmmoolllaooorrrrtnnEEggggaabbbbCddRRlleeeeiaaallllss//iAAallltMMCCCC///ysTTIIInnnaaaaiisEEddotttppppeee//fPPSSVGGVrrrPOOnnnppaarrraaaeeiooRRllnuutttccwwTTiiiceeoooiiaaiFFttpnnnhhllOOttaaaayylllLLl IIOO
< 10% PortfolioMAsOLsDeartEgCRelaACsTasEpLVYaCluOe NSERVA
Risk Tolerance < 25% Score: 18-22AssLSeatatrgbCeillaitCsysaopf GPrrionwcitphal
< 21%
4. Volatility: I am more focused on growth of capital than on receiving < 14%
regular income. < 17%

5. Risk vs. reward: When pursuing my financial goals, I can handle < 13% CMPooorndtsfeoerlraivotaetliyveAMMAAMsssOOOssSLLBGSGSSLLBSGSSLBBLLLseeDDeaaaaDaaaatttmmmmoooolllaaattooorrrrtrrrrnnEEEnnggggaaababbggggCCbbbCddRRRddlllleeeeiiieeeeaaalllllllllss///aa/iAiissaAAllltMMMttMCCCC///ssCCCCyyysTIIITTssnnnaaaaiiiisEaaaaddddoooEEttpppptppppeee///f/ffLLPSSSSGVGVrrrYYPPPOVVGGnnnppppaarrrraaaaaeeeeiiiCCooRrrllnnnuuttootllccccwwTiiiOOuuccceeoooiiiiwwaaaaiFiitteepppnnnNNhhllllttOttttaaaaaahhyyySSylllLlll EEIORRVVAA
short-term losses on my investments. Score: 13-17GSStmlaoabbliall/iltM/yInidote/fSrPnpraeintcicoiaipnltaayll
< 10%
6. Decline in value: I am willing to accept additional investment risk when this < 45% AMACssOOssGBLNeeDaoltotSrEngCbCERdealRlasaAlV/sCsITsnAsaEtTpeLIrYVVnEaaCtlPiOuoOenNRaSlTEFROVLAIO
risk increases the probability of reaching my financial goals. < 16%
< 9% ConservativeSSLtataarbbgiielliittyCy aoopff PPGrriirnnoccwiipptaahll
7. Equity investing: I understand the potential consequences of not reaching < 12% MOBSBDomonEnadRdlls/sAMTidE/LSYpeCcOiaNltSy ERVA
my financial goals. < 8%
< 15% SPcoAACorssOtrsLLsGSLLfeNeeaaaatola:torrtSrrgglbggCb8CEieeioeeallRl-aialt1CCV/sCCysI2saanAsaaopptTppef IGVrPVVGnarEaaiorlnuotlwPiuceowitOepnhtRaahllTFOLIO
8. Knowledge of risk: I consider myself to be a sophisticated investor. < 60%
< 10%
What type of investor are you? < 7%
< 5% SSBStmomanbaadlillll/is/tMMy iioddf//SSPpprieenccciiiaaplltatyyl
Risk Tolerance Score Total Score < 3% CCAsOOBLLSBGGsGGSLLSNNeaataaoomllmllaoooorrtSSrrnnggbaggbbabbCEEddeelilaaeeaallRRllss/ia/lllltMCCM//VV//CyCsIIIInnaannAAsiiaaoddttppttTTeeppeef//SIISVGrrrrPVVVGnnnnpparrEEaaaaieorelnuttottlcwcPPiiiicueooooiwiiatOOeapnnnnhltltaaaRRaahtyylllllTTFFOOLLIIOO
Aggressive 28-32 ASSET CLASS KEY
Moderately Aggressive 23-27
Moderate 18-22

Moderately Conservative 13-17 < STABILITY OF PRINCIPAL AsLseartgCelaCsasp Value
LSatargbeilitCyaopf GPrrionwcitphal
Conservative 8-12 < BONDS COBSNomSnaEdlRls/MVAidT/ISVpEecPiOalRtyTFOLIO
< LARGE CAP VALUE AsLGsealortgbCealalC/sInastpeVrnaalutieonal
The Models are provided solely for informational purposes and do not constitute investment advice. The Models were < LARGE CAP GROWTH
constructed as of February 2017 based on available asset classes, benchmarks, constraints, capital market expectations and < SMALL/MID/SPECIALTY LSatargbeilitCyaopf GPrionwcitphal

BSomnadlls/Mid/Specialty
market conditions at that time, and are not tailored to any individual customer’s circumstances. The Models are generally < GLOBAL/INTERNATIONAL LGalorgbealC/InatpeVrnaalutieonal
updated periodically, typically on an annual basis.
Large Cap Growth

Small/Mid/Specialty

Global/International

Investor Profiles

Aggressive Portfolio Moderate Portfolio Conservative Portfolio
(Investor Profile Score: 28-32) (Investor Profile Score: 18-22) (Investor Profile Score: 8-12)

Primarily invested in equities or similar An intermediate risk and return Primarily invested in stability of
higher risk investments, weighted portfolio that provides a blend principal and income-oriented
toward aggressive growth and of equities and income-oriented investments, and equities to provide
international investments. investments. growth potential.

cation MeCnotonrsider this portfolio if you: Consider this portfolio if you: Consider this portfolio if you:

• Have high return expectations for • Have moderate return expectations • Need income to supplement your

your investments for your investments cash flow
caAtliloocnatioMn e•nCtoarn tolerate higher degrees of • Want some current income return on • Are unwilling or unable to accept risk/
5%
23% fluctuation (sharp, short-term volatility) your investments volatility
• Are willing and able to accept a • Are a cautious investor
caAtliloocna2222ti6553o1M%%%%%n e•nAiitnnorvertehasetoyvoraulaunnegdoeafr your investments • Are more concerned about current
or a more experienced moderate level of risk and return
risk taker • Are primarily a growth investor but income than outpacing inflation
ccEEEEaaPPPPAAAAAAAOOOOttllllllliilllllllRRRRooooooooocccccccTTTTnnaaaaaaaFFFF2222222222222222222ttttttt2211111OOOOiiiiiii66665555550033366333333777ooooooo111111MMLLLL%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%nnnnnnnIIIIOOOOeeg(••hMPnnIinrrDHwigttnooioomveaihvdwlrrelvseeaetsniesrrhrrtieetaolr,1myiet5wrsredieekPnholntyvtiriurlnhtoeeAsrmvefinsgaetoslmeelgssrttderoohSmenaicyosneetoesfnyeferaietvexqrsfresrc:uiofne2obPimtge3iceoed-uifry2nsotsoifc7rneooeuo)fldrlrmiaysootoieimnou-nilar
want greater diversification • Have five or fewer years before
• Are concerned about inflation you will need the money from your
• Have five or more years before investments

11067%%% you will need the money from your
investments
orientedPORTF221O503%L%%IO
Moderately Conservative Portfolio
(Investor Profile Score: 13-17)

Invested in growth, growth and
income, income-oriented, and stability

E investments. of principal investments.

AAllllooccaa221tt2ii46371oo1%%%%%nn Consider this portfolio if you: Consider this portfolio if you:
2110703%%% • Have moderately high expectations • Need more current income from your
ATIAAVllEllooccPaa22O22122111tt122105533ii4706311Roo11%%%%%%%%%%%%%nnTFO•LCfaaIOocnarhdnaievtrovoeillnetaugrtrailngitteyroemnfaoatyrerotkrhuelerotinpndgovo-eswtessnirtbmmtuileirgtnnyastoisnfs
AATTIIAAAAVVlllllllEElooooccccPPaaaa22OO44ttt11221111t11111111iii005533i444777ooo005599662811RRo%%%%%%%%%%%nnn%%%%%%%%%%nTTFFOO•••LLADHimwIInOOreaivolelvsednieasreeetnr1mea0pedteeoxontpltryhteesmenortioumeiartnpeol cranyeeceedteyuaerrifnnsrqosflubmatiethtyifyoaooitnnruevreysotuor investments
• Are willing and able to accept some

risk/volatility
• Are a cautious or first-time investor

• Want some potential hedge against
inflation

• Have five or fewer years before
you will need the money from your
investments

111302%%%
AOTIAAVllllEooccPaaO4tt1iio56o8Rn%%n%TFOLIO
11509%%%
ATIVE PO641052R%%%TFOLIO
OAAllllooccaatt111ii0o0967o8n%%%%n%
4115525%%%
610368%%% All investments carry a degree of risk and past performance is not a guarantee of future results. Generally, the
O Alloca6t111i0053927o85%%%%%%%n%% greater an investment’s possible reward over time, the greater its level of price volatility, or risk. Investments are
O Allocat1i0o%n not guaranteed and are subject to investment risk including the possible loss of principal. The investment return
and principal value of the security will fluctuate so that when redeemed, may be worth more or less than the

157%% original investment.
O 605%%
Allocat1i03o%%n Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to

157% experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign stocks and
605%%
103% small- and mid-cap stocks may be more volatile than large-cap stocks. Investing in bonds also entails credit risk
7% and interest rate risk. Generally investors with longer timeframes can consider assuming more risk in their

5% investment portfolio.
3%

Continuing to learn

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