AVAILABLE IN MASSACHUSETTS

Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier
specializing in innovative and flexible employee benefits solutions including disability income and
group term life insurance. Rated A (Excellent) by A.M. Best*, Reliance Standard began its centennial
year in 2006. Reliance Standard has developed group coverage that is tailor made for the small group
marketplace. Coverage is guarantee issue down to 2 lives and each product is available either stand
alone or bundled. See below for a brief view of the coverage highlights. More in-depth information is
available through the buttons above.

         Life and AD&D
              One or two times annual earnings or a flat face amount for all employees.
              $150,000 face value maximum
                 
Guarantee Issue Table
# of ee's Face amount
2-5 $25,000
6-9 $50,000
10-19 $75,000

         Short Term Disability 
              Maximum Weekly Benefit of $750 for 2 to 9 employees, $1,000 for 10 to 19 employees 
          
         Long Term Disability
              60% of basic monthly earnings to a $6,000 monthly max 
      
Please feel free to contact either your broker or Krista Brinkerhoff at 800 464 0039 ext. 230,
Email at quote@nbtgroup.com