Our Products

	Our Portfolio Overview
	Our Products
		Short-Term Disability
		Level Term Life
		Accident
		Specified Disease for Cancer
		Specified Disease for Critical Illness
		Hospital Indemnity
	Flexible Benefits Plans

Our Products

Colonial Supplemental Insurance Division products offer a broad range of benefits options for employers and employees. Our insurance coverage complements benefits already offered by employers, allowing employees to choose--and pay for--the coverage that best meets their individual needs. With Colonial Supplemental Insurance:

Benefits are paid directly to you, or anyone you choose.
Benefits are paid regardless of any other insurance coverage with other insurance companies.
Coverage may continue even if you change jobs or retire.
Policies are guaranteed renewable, as defined by the policy, as long as premiums are paid when due.

In New York, the following supplemental insurance products are available to you:

Short-Term Disability
Level Term Life
Accident
Specified Disease for Cancer
Specified Disease for Critical Illness
Hospital Indemnity

Products are underwritten by The Paul Revere Life Insurance Company.

	Short-Term Disability Insurance

In most cases, a disability will result in reduced income for you and your family. If you become disabled, how long could you pay bills and provide for your family with reduced earnings? How long will the disability benefit from your employer-sponsored insurance plan last? Do you have enough set aside to cover the additional expenses caused by a disability, maintain your lifestyle and cover everyday living expenses?

Our disability plan can help you prepare for a short-term disability, with benefits that can help supplement your income to help you pay the following expenses:

Mortgage or rent payments
Food, clothing and other necessities
Copayments
Medical costs not covered under other plans
Travel and lodging expenses for treatment

	Level Term Life Insurance

Does your family have adequate financial resources to comfortably go on without you? The everyday and immediate final expenses will add up quickly.

Level Term Life Insurance is affordable life insurance for the first-time buyer or someone who wants to supplement their existing coverage.

This Level Term Life Insurance plan provides the following features:

Higher levels of coverage for lower premiums, especially at a younger age when the need for protection is greater.

Level death benefits which means benefits will not decrease with time.
Premiums are also level, so they will not increase for up to two consecutive 10-year periods, depending on your age and the amount of coverage you choose. After the two consecutive 10-year periods, premiums will increase annually.
Family coverage available through non-convertible spouse or child term riders or an individual spouse policy.

	Accident Insurance

Little League, weekend sports and leisure hobbies. Chores and fix-up projects around the house. Going to work every day. These activities are a part of normal everyday life. Unfortunately, accidents are also a part of everyday life. And, we often don’t think about the accidental injuries, or even the accidental deaths, which may happen during the course of a day. With our supplemental accident insurance, you can be better prepared for what happens next.

Designed to supplement your employer-sponsored insurance coverage, accident insurance pays specific benefit amounts

for injuries received in a covered accident. Benefits from a supplemental accident insurance plan can help pay the out-of-pocket expenses related to an accidental injury that your existing coverage may not cover, such as:

Helping pay for expensive medical treatment for broken bones and dislocations, or physical therapy.
Crutches, wheelchairs or other medical aids you may need as a result of your accident.
Copayments, coinsurance and deductibles.

	Specified Disease Insurance for Cancer

You don’t plan to be diagnosed with cancer. What would you do if it happened? Our plan is designed to supplement your major medical coverage to help you with the high cost of cancer treatment.

With our specified disease insurance for cancer, you can take the next step after diagnosis with comfort and reassurance. Benefits from our plan will help you pay the following types of out-of-pocket expenses:

Home health care or caregivers you may require.
Home or automobile modifications.

Mortgage, utility bills and other everyday living expenses.
Travel costs to and from treatment centers.

The benefits from this plan can be used where you need them most.

Plan features::

Pays a cancer screening benefit for specified screening tests.
Upon diagnosis of cancer, provides benefits for treatments and resulting costs that you may require to care for your cancer.

	Specified Disease Insurance

You don’t plan to be diagnosed with cancer or any other major illness. What would you do if this happened? Colonial’s Specified Disease insurance is designed to supplement your major medical coverage, to help you with the high costs of treatment for a serious illness.

Our Specified Disease insurance helps you take the next step after diagnosis with comfort and reassurance. It pays a percentage of the policy face amount upon diagnosis of a covered specified disease, and you can use these

benefits to help pay the out-of-pocket expenses related to the treatment of your illness.

Benefits from our Specified Disease plan can help you pay the following types of out-of-pocket expenses:

Home health care or caregivers you may require
Home or automobile modifications
Mortgage, utility bills and other everyday living expenses
Travel costs to and from treatment centers

	Hospital Indemnity Insurance

Going to the hospital is something you hope you or your family will never have to experience. However, if you had to stay in the hospital, do you have enough set aside to cover the costs associated with a hospital stay? What if you have to be in the hospital for a week or more? Those charges add up. How will you pay the out-of-pocket expenses that accumulate with each day you are in the hospital?

42.5 million hospital procedures were performed in 2002.
In 2002, the average length of stay in a hospital was five days.

Sources: National Center for Health Statistics, 2002 National Hospital Discharge Survey

Will you wait until after a hospital stay to learn about the gaps in your major medical coverage and the expenses that aren’t covered, such as transportation and childcare costs?

These are expenses you will have to pay out of your own pocket. Our hospital indemnity plan can help you prepare for these and other out-of-pocket costs with benefits that can help you pay the following expenses:

travel expenses to and from the hospital
lodging for your family members while you are in the hospital
child care for your family
other out-of-pocket hospital expenses not covered by your major medical coverage



	Colonial Supplemental Insurance products are underwritten by: The Paul Revere Life Insurance Company, Worcester, MA Administrative Office: Colonial Supplemental Insurance Division, 1200 Colonial Life Blvd, Columbia, SC, 29210	Important Legal Notice
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Accelerated death benefit, which provides you the option to receive a percentage of the face value if you are diagnosed with a terminal illness. Receipt of the accelerated death benefits may be taxable and may affect eligibility for public assistance programs.
Immediate cash payment is made to your beneficiary to help pay expenses until the claim on your policy is processed.
Coverage is portable so if you change jobs or retire, you can take this coverage with you.
Guaranteed renewable to age 80 as long as premiums are paid when due, and you can pay your premium with convenient payroll deduction.

Products are underwritten by The Paul Revere Life Insurance Company.

Applicable to forms 10/10/YRT-NY, 10/10/YRTU-NY, 10/YRT-NY, STR-20-NY, STR-10-NY, CTR10/10/YRT-NY, AND ADB10/10/YRT-NY.

Optional riders are available at an additional cost.

Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your sales representative.

Our Specified Disease insurance offers you supplemental benefits if you are diagnosed with the one of the following illnesses:

Invasive cancer
Heart Attack
Stroke
Major Organ Transplant
End Stage Renal Failure
Coronary Artery Disease
Carcinoma In Situ
Skin Cancer

This Specified Disease insurance plan provides the following features:

Flexible coverage amounts so that you can choose the benefit amount that best suits your needs.
Benefits are paid directly to you unless you specify otherwise, and benefits are paid regardless of any other insurance you may have with other insurance companies.

An annual preventive health screening benefit will be paid to you if you have one of the covered health screening tests.
Portability, which means if you change jobs or retire, you can take this plan with you.
Coverage is available for your spouse.
This plan is guaranteed renewable as long as premiums are paid when due. Premiums are affordable and will not increase because you get older.

This Short Term Disability Income Protection Insurance is designed to supplement your existing insurance coverage by replacing 30 to 50 percent of your income, based on income, if you become disabled. Benefits from this plan are paid on a monthly basis, up to $5,000 per month. Benefit periods range from three to 24 months.

Additional plan features:

You can choose the plan design that best meets your needs.
Worldwide coverage.
Sickness and on- or off-job accident disability coverage.
A choice of benefit elimination periods to best fit your needs.

Plan features:

Waiver of premium, which means that after you have been disabled for 90 days, or after the elimination period if longer, you do not have to pay your premium while you are receiving disability benefits.
Portable, so if you change jobs or retire, you can take this plan with you.
Premiums will not increase on existing coverage as you age, and your coverage is guaranteed renewable up to age 70 as long as premiums are paid when due.

Accidental death benefits can help your family meet continuing needs in case of an accidental death. The death benefit is increased if the accidental death occurs on a common carrier such as a commercial airplane or subway system.

Our accident plan features a flexible plan design so that you can choose the coverage that best meets your unique needs. Coverage is available for both on and off-job accidents, and several

optional riders are available so you can choose additional protection you or your family may need. The optional riders provide extra coverage and benefits for hospital confinement due to a covered sickness or disability due to a covered accident or a covered sickness. A health screening benefit rider is available to help with the cost of specified health screening tests.

This accident plan is:

Available for you, your spouse and your family.
Guaranteed renewable for life, as long as premiums are paid when they are due.
Portable. If you change jobs or retire, you can take your coverage with you.
Designed for your use. Your benefits will be paid directly to you unless you specify otherwise.
Premiums are level and do not change based on age or occupation.

Optional riders are available at an additional cost.

Additional Plan Features:

Benefits are paid directly to you unless you specify otherwise, so you can use your benefits where you feel they are needed most.
Coverage is available for you, your spouse and your dependent children.
Coverage is portable, which means you can take it with you if you change jobs or retire.
This insurance is guaranteed renewable for life as long as premiums are paid when due or within the grace period.

This plan includes a waiver of premium. If you are disabled due to cancer for 90 continuous days after the effective date, you will not have to make the premium payments for this plan while you are disabled. The date of diagnosis of cancer must be after the waiting period and while the policy is in force.

Additional Plan Benefits:
This plan pays specific benefits for cancer diagnosis and treatment, including:

Wellness benefit: Payable for one of the specified cancer screening tests performed.

Bone marrow donor benefit: Payable if you donate your bone marrow to another person who has been identified as a match to your bone marrow type.
Inpatient benefits: Payable for hospital-related services such as hospital confinement, ambulance, air ambulance and full-time nursing services.
Treatment benefits: Payable for cancer treatments such as radiation and chemotherapy, antinausea medication and medical imaging.
Surgical procedures benefits: Payable for surgery performed to treat cancer, including reconstructive surgery and anesthesia.

Transportation and lodging benefits: Payable if you must travel to receive cancer treatment.
Extended care benefits: Payable for extended care services such as home health care, hospice and skilled nursing care.

Products are underwritten by The Paul Revere Life Insurance Company.

Premiums vary based on level of coverage selected. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your sales representative.

Our hospital indemnity plan can be used to help fill the gaps in your major medical plan and help pay the expenses related to a hospital stay.

This plan provides coverage for the following:

Confinement to a hospital due to a covered accident or a covered sickness
Outpatient surgical procedures performed by a doctor using anesthesia administered by a licensed anesthesiologist in a hospital or ambulatory surgical center

Benefits from our hospital indemnity plan
are paid as a lump sum, per covered

hospital confinement or covered outpatient surgery. These benefits can help pay copayments or deductibles, or help cover travel expenses to and from the hospital. These benefits will be paid directly to you, unless you specify otherwise, regardless of any other insurance you may have with other insurance companies.

This plan features flexible plan options, and coverage is available for you, your spouse and your dependent children. Plus, our hospital indemnity plan offers several benefits amounts so that you can choose the coverage that best meets your individual needs.

This hospital indemnity insurance is portable. If you change jobs or retire, you can take your coverage with you.

Coverage is also guaranteed renewable for life as long as premiums are paid when they are due or within the grace period. Your premium can be changed only if we change it on all policies of this form number in force in the state of New York, subject to the prior approval of the Superintendent of Insurance.

Additional riders are available with this plan. Coverage for emergency room treatment and doctor office follow-up visits after a covered confinement or covered outpatient surgical procedure can be purchased.

Products are underwritten by The Paul Revere Life Insurance Company.

Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your sales representative.

Applicable to policy form R-ECR-NY the expected benefit ratio for this policy is 55%. This ratio is the portion of future premiums, which the company expects to return as benefits when averaged over all people with this policy.