Joint Company (SIC/SNY)

Advertising Disclosures

Contents

Company

Joint Company (SIC/SNY)

Brochures/booklets, etc.

Flyers

Single Company Marketing Materials (SIC or SNY)

Boilerplates

SIC/SNY

SIC – employers

SIC - employees

SNY – employers

SNY – employees

Products

Primer Rules

Accident Insurance

Critical Illness Insurance

Hospital Indemnity Insurance

LTD

Assisted Living Benefit Flyer

Employer Income Protection Benefit

LTD Own Specialty Protection for Attorneys Flyer

LTD Own Specialty Protection for Physicians Flyer

LTD Lifetime Security Benefit Overview Flyer

STD

Voluntary STD (Joint)

STD Self-Funded Service Options

Life

24-Month Portability Employee Brochure

Portability Provision

Family Benefits Package

Repatriation Benefit

Taxation Consequences of Group Term Life Insurance

Supplemental Life Insurance

Expanded AD&D Package

Canned Voluntary Life and AD&D

Dental

Max Builder

Max Builder with In-Network Bonus

Max Builder Flex

LASIK

PolicyLink Dental + Vision Plan

Vision

VSP

Dual or triple choice

Complete COBRA administration

Services

EAP

In regard to dependents

Travel Assistance

In regard to emergency transportation services

In regard to repatriation of remains

On Travel Assistance booklets

Health Advocate

Absence Management

Life Services Toolkit

For materials that are not solely about the Life Services Toolkit

For use on materials that are solely about the Life Services Toolkit

In regard to services for Group Life insurance beneficiaries

Social Media

Statistics

State-Specific

New York

Dental and/or Vision

LTD and/or STD

Accident

Texas

For non-insured services such as EAP, Travel Assistance, etc.

California

Invitations to Contract for LTD/STD

LTD Additional Benefits for the Severely Disabled

Capabilities

Claims submission

Sweepstakes

Document Version

Company

Joint Company (SIC/SNY)

Brochures/booklets, etc.

Must have both company names on cover.

First instance of using “The Standard” must have dagger footnote, as follows:

‡ The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York.[disclosure]

Back cover must include the following disclosure:

The Standard is a marketing name for StanCorp Financial Group,Inc. and subsidiaries. Insurance products are offered by StandardInsurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in allstates except New York, where insurance products are offered byThe Standard Life Insurance Company of New York of 360 HamiltonAvenue, Suite 210, White Plains, New York. Product features andavailability vary by state and company, and are solely theresponsibility of each subsidiary. Each company is solelyresponsible for its own financial condition. Standard InsuranceCompany is licensed to solicit insurance business in all states exceptNew York. The Standard Life Insurance Company of New York islicensed to solicit insurance business in only the state of New York.[disclosure]

Group Policy Numbers must be included on back cover:

Group [Product]Insurance underwritten by Standard Insurance Company is provided under policy form numbers: [GP190-LTD/S399, GP190-LTD/TRUST/S399, GP399-LTD/TRUST, GP190-LTD/ASSOC/S399, GP491-LTD/TRUST/S399, GP899-LTD, GP209-LTD, GP608-LTD][disclosure]

Group [Product] Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: [GPNY0500-LTD][disclosure]

Flyers

One-page flyers - Disclaimer with dagger mark after first instance of “The Standard”:

‡The Standard is a marketing name for StanCorp Financial Group,Inc. and subsidiaries. Insurance products are offered by StandardInsurance Company of 1100 SW Sixth Avenue of Portland, Oregon, in allstates except New York, where insurance products are offered byThe Standard Life Insurance Company of New York of 360 HamiltonAvenue, Suite 210, White Plains, New York. Product features andavailability vary by state and company, and are solely theresponsibility of each subsidiary. Each company is solelyresponsible for its own financial condition. Standard InsuranceCompany is licensed to solicit insurance business in all states exceptNew York. The Standard Life Insurance Company of New York islicensed to solicit insurance business in only the state of New York. [disclosure]

Two-page flyers – Disclaimer with dagger mark after first instance of “The Standard,” as follows:

Front page: Both company names must be included on front.

Back page:

‡The Standard is a marketing name for StanCorp Financial Group,Inc. and subsidiaries. Insurance products are offered by StandardInsurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in allstates except New York, where insurance products are offered byThe Standard Life Insurance Company of New York of 360 HamiltonAvenue, Suite 210, White Plains, New York. Product features andavailability vary by state and company, and are solely theresponsibility of each subsidiary. Each company is solelyresponsible for its own financial condition. Standard InsuranceCompany is licensed to solicit insurance business in all states exceptNew York. The Standard Life Insurance Company of New York islicensed to solicit insurance business in only the state of New York. [disclosure]

Single Company Marketing Materials (SIC or SNY)

Entire legal company name (Standard Insurance Company or The Standard Life Insurance Company of New York) must be used in the first reference in body copy.

For SIC only (include in ALL SIC-only pieces, regardless of whether or not “The Standard” is used in the body copy):

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.[disclosure]

For SNY only (include in ALL SNY-only pieces, regardless of whether or not “The Standard” is used in the body copy):

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products in New York are offered by, and the sole responsibility of, The Standard Life Insurance Company of New York of White Plains, New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.[disclosure]

Boilerplates

SIC/SNY

Standard Insurance Company’s first group policy, writtenin 1951 and still in force today, stands as a testament toour commitment to building long-term relationships. TheStandard Life Insurance Company of New York foundedin White Plains, New York in 2000 is the sister companyof Standard Insurance Company founded in Portland,Oregon in 1906, a nationally recognized provider of groupemployee benefits.

To learn more about [product] insurance from The Standard,contact your insurance advisor, call the Employee BenefitsSales and Service Office for your area at 800.633.8575 orvisit us at.[disclosure]

SIC – employers

Standard Insurance Company

Founded in Portland, Oregon in 1906, The Standard is a nationallyrecognized provider of group employee benefits and Individual Disability insurance. We provide insuranceto more than 25,700groups, covering approximately 6 million employees nationwide.*

Our first group policy, written in 1951 and still in force today, stands as a testamentto our commitment to building long-term relationships.We always strive to do what’s right – for our policyholders and theiremployees. This dedication has resulted in a national reputation forquality products, superior service and industry expertise.

To learn more about [product] from The Standard, contact yourinsurance advisor or the Employee Benefits Sales and Service Officefor your area at 800.633.8575 or visit us at .

* As of December 31, 2016, based on internal data developed by Standard Insurance Company.[disclosure]

SIC - employees

Standard Insurance Company

For more than 100 years we have been dedicated toour core purpose: to help people achieve financial well-being and peace of mind. We have earned a nationalreputation for quality products and superior service by alwaysstriving to do what is right for our customers.

Headquartered in Portland, Oregon, The Standard is a nationallyrecognized provider of group employee benefits and Individual Disability insurance. We provide insuranceto more than 25,700groups, covering approximately 6 million employees nationwide.* Our first group policy, written in 1951 and still in force today, stands as a testamentto our commitment to building long-term relationships.

To learn more about [product]from The Standard, contact yourhuman resources department or visit us at .

* As of December 31, 2016, based on internal data developed by Standard Insurance Company.[disclosure]

SNY – employers

The Standard Life Insurance Company of New York

Employers across the state of New York trust The Standard LifeInsurance Company of New York to insure their employees andadminister their employee benefits plans. Headquartered in WhitePlains, The Standard offers a quality portfolio of differentiatedgroup employee benefits to servethe needs of the New York market. The Standard delivers value inemployee benefits through well-designed products and the promiseof exceptional service.

To learn more about [product] from The Standard, contact theEmployee Benefits Sales and Service office for your area today at800.633.8575 or visit us at .[disclosure]

SNY – employees

The Standard Life Insurance Company of New York

Here at The Standard, we’ve worked hard to earn our reputation forquality products, superior service and dedication to our customers.We are committed to our core purpose: to help people achieve financial well-beingand peace of mind. From our headquarters in White Plains, we offer a range of group employee benefits to serve the needs of employees across the state of New York.

To learn more about [product]from The Standard, contact yourhuman resources department or visit us at .[disclosure]

Products

Primer Rules

Rule 19 in Legal Primer – Invitations to Inquire and Invitations to Contract

This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or terminated. Please contact The Standard [your employer] for additional information, including costs and complete details of coverage.[disclosure]

In an invitation to inquire where we are laying out the various plan options with benefit amounts listed (regardless of the product) add in the following sentence (highlighted in blue).

This policy has exclusions, limitations and terms under which the policy may be continued in force or terminated.The amount of benefits provided depends on the policy selected. Premium will vary according to the selection made.Please contact The Standard for additional information, including costs and complete details of coverage. [disclosure]

Accident Insurance

This is a limited benefit policy. [disclosure]

Critical Illness Insurance

This is a limited benefit policy. [disclosure]

Hospital Indemnity Insurance

This is a limited benefit policy. [disclosure]

In regard to hospital admission and/or CCU admission

The inclusion of a hospital admission and/or CCU admission benefits in a Hospital Indemnity plan may not be compatible with an HAS. Consult your own tax advisor for advice.[disclosure]

LTD

Assisted Living Benefit Flyer

Not all plans are available in all states. The proposed policy would provide group disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. This policy has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. [disclosure]

[example copy]When employers opt for this enhancement, the benefit is available for employees to whom LTD benefits are payable, whose condition is expected to last 90 days or more and who are experiencing the following limitations associated with their severe disability: The employee is unable to safely and completely perform two or more Activities of Daily Living* without assistance, or ….

*The six Activities of Daily Living are bathing, continence, dressing, eating, toileting and transferring. [disclosure]

Employer Income Protection Benefit

Eligible businesses include, but are not limited to, small professional firms, partnerships and

S corporations. Coverage requiring evidence of insurability is not effective until evidence is approved. [disclosure]

LTD Own Specialty Protection for Attorneys Flyer

[example copy]The Standard may consider a particular legal subject matter area or type of legal practice* to be an attorney’s occupation if at least 85 percent of the attorney’s gross professional service fee income was earned in that legal subject matter area or type of legal practice in the 24 months immediately before becoming disabled.

*Trial attorney or trial practice will not be considered one of the specialty legal subject matter areas or types of legal practice, unless the attorney personally appears and actively participates in legal proceedings on behalf of clients, at least four hours per day on an average of at least 50 days per year during the 24 months just before disability begins. Time the attorney spends preparing to actively participate in legal proceedings can be included when calculating up to one-half of the hours-per-day and days-per-year requirement. Legal proceedings include civil or criminal trials, administrative rule making or contested case hearings, workers’ compensation hearings, arbitration and mediation hearings, and the taking or defending of depositions.[disclosure]

LTD Own Specialty Protection for Physicians Flyer

LTD Lifetime Security Benefit Overview Flyer

[example copy]The Lifetime Security Benefit from The Standard‡ provides ongoing income to severely disabled claimants*

*Not all plans are available in all states. A claimant must be unable to safely and completely perform two or more Activities of Daily Living without Hands-on Assistance or Standby Assistance due to loss of functional capacity as a result of physical disease or injury. For contracts sitused in California, claimants must be confined in a nursing home or resident care facility for 30 days or more, or require substantial supervision, due to severe cognitive impairment. [disclosure]

Disclosures may be needed for Housing Assistance Benefit, Dependent Education Benefit, Pension Contribution Benefit, Automatic Maximum Benefit Increase, Family Care Expenses Adjustment. Please consult with the Product SME and Legal to determine appropriate disclosures.

STD

Voluntary STD (Joint)

This policy provides disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. [disclosure]

STD Self-Funded Service Options

[example copy]We offer three solutions that can reduce the workload for your HR team and help you increase productivity.*

*Available to customers with 250 or more employees insured for LTD. [disclosure]

[example copy]Telephonic Intake*: Telephonic claim submission services are handled by The Standard, resulting in more effective and faster customer service

*The minimum group size for telephonic claim submission is 500 covered employees. [disclosure]

Life

24-Month Portability Employee Brochure

[example copy]If you’re eligible, the provision offers a convenient option for continuing Group Life insurance for up to 24-months following termination of employment.*

*Coverage under this provision terminates at the end of the 24 month continuation period, if you become insured under another group life insurance plan, if your former employer’s Group Life insurance plan with The Standard terminates or if you fail to pay premiums, whichever occurs first.[disclosure]

[example copy]You may continue Group Life insurance for yourself on the date your employment terminates if you:

are not terminating employment in order to retire,
have been insured under your employer’s group policy for at least 12 consecutive months on the date your employment terminates, and
are able to perform with reasonable continuity the material duties of at least one gainful occupation for which you are reasonably fitted by education, training and experience.*

*Does not apply to Massachusetts group insurance plans.[disclosure]

Portability Provision

Does not apply to Massachusetts group insurance plans.[disclosure]

[example copy]True Portability and Conversion*

The Group Life Portability Insurance Policy contains the complete terms of coverage, including limitations, exclusions, reductions and conditions under which Group Life Portability Insurance ends. The policy terms for Group Life Portability Insurance are different from those provided under your employer's group insurance plan with The Standard.[disclosure]

[example copy]The portable group insurance coverage offers group term Life, Accidental Death and Dismemberment (AD&D) for members and their dependents, as well as Dependents Life insurance.*

Please consult your policy for availability, terms and conditions in your state. [disclosure]

[example copy]The deadline for an insured employee to apply and pay premium for portability is 31 days after employment termination. *

Provided that these coverages are available under employer’s Group Life policy with The Standard, and were elected by the insured employees. [disclosure]