Legal Notices for Life Essentials

Securities (including mutual funds and variable annuities) and investment advisory services are offered through Chase Investment Services Corp. (CISC) or affiliated broker/dealers. Annuities and insurance products are provided by various insurance companies and offered through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency doing business as Chase Insurance Agency Services, Inc. in Florida. CISC, a member of NASD/SIPC, and CIA are affiliates of JPMorgan Chase Bank, N.A. Products not available in all states. JPMorgan Chase Bank, N.A., and its affiliates do not offer legal or accounting advice to their clients. Clients are urged to consult with their own legal, accounting and tax advisors with respect to their specific situations. Aetna does not warrant or guarantee and makes no representations as to the quality of services offered by CISC. NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE.

The Legal Reference Program is independently administered by ARAG® Services LLC. Aetna does not participate in attorney selection or review, nor does it monitor the services, content or network. Aetna does not warrant or guarantee or make any representations as to the quality of the services of ARAG or of any attorney in the ARAG network. Aetna has not credentialed or otherwise reviewed or assessed the quality of ARAG services or ARAG contracted law firms or lawyers. ARAG does not provide Aetna with any individually identifiable information whatsoever on legal information accessed or legal services used by eligible individuals. Aetna has provided its policyholders with access to ARAG programs and services but has no responsibility for those services. Aetna does not receive a marketing fee from ARAG in conjunction with the Legal Reference Program.

For California members, the Fitness, Aetna Hearing Discounts, Aetna Vision Discounts and the Aetna Natural Products and Services program discounts are not offered under the member’s benefit plan contract. Members with covered benefits should exhaust those benefits prior to using these discounts. These services and products are provided by organizations other than Aetna. The discounts are reductions from the provider’s usual fee (retail price) for the service. Actual costs and savings vary by geographic area. If you have questions about the Fitness, Aetna Hearing Discounts, Aetna Vision Discounts or Aetna Natural Products and Services programs, please call 1-800-756-7039. For HMO members, any complaints about these discount programs may be submitted using the process described in your Evidence of Coverage. For more information on these programs, check with your employer or call the Member Services number on your ID card.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies.

Life and disability insurance plans are underwritten or administered by Aetna Life Insurance Company (Aetna). This material is for information only and is not an offer or invitation to contract. Life and disability insurance plans contain exclusions and limitations. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.

This material is for information only and is not an offer or invitation to contract. Life insurance plans contain exclusions and limitations.

Policy forms issued in Oklahoma include: GR-9 and/or GR-9N, GR-29 and/or GR-29N.