Militia Guardian Group Term Life Plan
	Eligibility All active members under age 60, of participating National Guard Associations who are active or associate* members of a sponsoring National Guard Association are eligible to apply for coverage. You may also apply for life insurance for all eligible dependents. Eligible dependents include your lawful spouse under age 60 and unmarried, dependent children from 15 days to age 21 (age 23 if a full-time student). A dependent who is a member can only apply for coverage as a member. If both parents are insured as members, only one may request child coverage. If you are a member of a participating National Guard you are automatically covered for $1,000 of term life insurance, effective as of the date of your enlistment. The premium for this basic benefit will be paid by your National Guard Association and this basic benefit will continue until you separate from active service in the National Guard or otherwise become ineligible. *Associate members include retired or separated guardsmen. The following are the current premiums for amounts of coverage per insured member or per insured spouse. Spouse coverage may not exceed member's coverage. Member Coverage*   Member Premium   Spouse Coverage*   Spouse Premium $    5,000   $  2.00   $  5,000   $ 2.00     10,000   $  3.66     10,000     3.66     15,000   $  5.33     15,000     5.33     20,000   $  7.00     20,000     7.00 * Coverage for members and spouses reduces 50% upon attainment of age 60, 70 and 75. All coverages terminate at age 100.
For as low as $1.50 Per Month

     Surviving Spouse Coverage
     Upon the death of an insured member a surviving spouse can continue his/her coverage and the coverage of insured dependent children provided
     premiums are paid in a timely manner and the insureds remain otherwise eligible.

     When Coverage Ends
     Coverage will terminate at the end of the month in which the member reaches age 100, provided premiums are paid when due, the Association
     continues to participate in the Militia Guardian Group Term Life Plan, and the group policy is not terminated by New York Life or the Group Policy
     holder.  Coverage reduces 50% at age 60, 70 and 75. Spouse and dependent child coverage terminates when member coverage terminates, except in
     the case of the member's death (see Surviving Spouse section), or if he or she becomes ineligible under the group policy.  

     Individual Certificates
     This brochure contains only a partial description of the provisions of the insurance coverage. Once approved, you will receive a Certificate of
     Insurance provided under Group Policy G-14109-7 on Policy Form GMR, issued by New York Life Insurance Company to the Militia Insurance Trust.
     When you receive your certificate, examine it carefully. If you are not completely satisfied, simply return your certificate within 30 days with your
     request for a refund.

     $10,000 Guaranteed Issue Coverage to New Active Guard Members
     If you enroll within 90 days after joining the National Guard, you may request $10,000 of coverage at no cost to you for the first year (paid for by
     your National Guard Association), without submitting evidence of insurability. If you do not apply within the 90 day period after joining the National      Guard, you may still apply by submitting evidence of insurability satisfactory to the Company and paying the required premium. This benefit will
     become effective on the first of the month following receipt of your enrollment form by the Plan Administrator.

     Waiver of Premium
     After an insured member has been totally disabled prior to age 60 for six consecutive months, insurance including coverage for eligible
     dependents will be continued at no cost to the member until attainment of the terminal age, provided the member remains totally disabled.
     Evidence from time to time of continued disability will be required.

     Accelerated Death Benefit

     This feature allows you to receive 50% of your death benefit (amount of coverage) to help with your care should you contract a terminal illness. To      receive the accelerated death benefit, you must be under age 69, have been diagnosed by a physician, and given a life expectancy of 12 months*
     or less. This benefit is paid only once and the future death benefit payment is reduced by such amount. Premiums are not reduced. The rest of your      benefit would be paid to your beneficiaries at the time of your death. Receipt of accelerated death benefits may affect eligibility for public
     assistance programs and may be taxable. Prior to applying for accelerated death benefits, insureds should consult with the appropriate social
     services agency. and assistance should be sought by a qualified advisor.
     *24 months for residents of Illinois.
     Note: Accelerated Death Benefits are not available to residents of Massachusetts.

     Effective Date
     All coverage amounts (except for the $1,000 Basic Benefit) will take effect on the first of the month on or following New York Life's underwriting
     approval of your application, provided your premium is received in a timely manner. All individuals to be insured must be performing normal
     activities of person in good health of like age on their effective date. If an individual is not performing their normal activities on the date of their
     coverage would normally take effect, coverage for that individual will be deferred until that person is performing the normal activities of a person in
     good health of like age, so long as that date is within 3 months of the date their coverage would have normally become effective and that person is
     still eligible.

The Militia Guardian Group Term Life Plan is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on   Policy form GMR. Future benefits are subject to change by agreement between New York Life and the policyholder. The rates shown above are   the current rates, and may be changed by New York Life on any premium due date and on any date on which benefits are changed.