0
B1                        BENEFIT INFORMATION SHEET
B0                                   for
                              

                       _________________________



B1Personal Information
B0
       
     Date of Birth:  _____/_______/_______

     How long have you worked here? _________________________

     Are you married? _______________________________________

     Do you have any children? _____    If so, how many? ____ 



B1Other Employee Benefits
B0
     _________________________            _________________________

     _________________________            _________________________

     _________________________            _________________________

     _________________________            _________________________
    
     _________________________            _________________________

                                         
B1Individual Life Insurance Coverages
B0
     Besides what your employer provides, do you have any other life
     insurance?

     _____________________________________________________________________

     _____________________________________________________________________
     

     Does your spouse work? _______

     Is your spouse covered by any personal life 
     insurance or employer provided coverage?

     _____________________________________________________________________

     _____________________________________________________________________

     
B1     If you feel that this program can help you plan for a more secure
     future, how much would you be willing to contribute to the program?
B0

                   Assumed Premium Range $  ________


1

B1                        SUMMARY OF COVERAGE
                        
Your Policy:
B0
     Initial Life                             Premium 
     Insurance Purchased  $ ___________       Commitment* $__________
  

               Cash Value      Cash Value       Insurance
                Projected      Guaranteed          Amount

     10th Year $_________      $_________      $_________

     20th Year $_________      $_________      $_________

     Age 65    $_________      $_________      $_________
                    

     Policy Rider Information   
                                Premium

     Spouse Rider_____ units   $_________

     Children's Rider:  
     ___child(ren)__units each $__________         

     WP & ADB Included:    Yes / No                       $______________
                                                          Your Policy
                                                          Total
B1Additional Policies:
B0
                                               Insurance 
     Family Members             Premium        Amount

     Spouse Coverage          $________        $________

     Child Coverage            ________         ________
                
     Child Coverage            ________         ________

     Child Coverage            ________         ________

     Grandchild Coverage       ________         ________

     Grandchild Coverage       ________         ________

     ___________________       ________         ________

     ___________________       ________         ________

     ___________________       ________         ________  $_____________
                                                          Additional 
                                                          Policies' Total

                                                          $_____________
                                                          Total Premium
                                                          for Entire Family
                                                          
    * To convert a weekly premium to a monthly premium rate, multiply
      the weekly amount by 4.333.                                                          
                                                          

2
B1                   NYL-A-PLUS ENROLLMENT ACTION PLAN
B0
EMPLOYER'S NAME   ___________________   COMPANY'S NAME    ___________________
ADDRESS           ___________________   OTHER LOCATION(S) ___________________

B1                       ACTIONS                                       DATES

Establishing the ArrangementB0
1). Have the employer authorize the Nyl-A-Plus Agreement Form.       ________
    (Guaranteed Issue cases require H.O. approval - Submit completed
    Request for Guaranteed Issue Form to Special Risks Underwriting).

2). Get employee census information from employer.                   ________

3). Calculate enrollment period and establish dates.                 ________

4). Verify that there are sufficient supplies in your General Office.________

B1Gathering DataB0
1). Meet with the payroll/bookkeeping department.                
    Contact Persons's Name & Phone No. ____________________          ________

2). Discuss frequency of pay periods:
    Weekly/Bi-Weekly/Bi-Monthly/Monthly/Other: __________            ________

3). Calculate date of first deductions.                              ________

4). Collect information on existing employee benefits package
    (benefit booklets, etc.)                                         ________

B1Announcing the ProgramB0
1). Release Announcement Letters to employees
    (using employer stationery).                                     ________

2). Include promotional envelope stuffers in paychecks.              ________

3). Publicize the Program (posters, tent cards, etc.).               ________

B1SchedulingB0
1). Schedule Group Presentation(s).                                  ________

2). Explain Program to supervisors and discuss timing of employee
    interviews.                                                      ________
    
3). Individual Interviews.                                           ________

B1AdministrationB0
1). Submit Payroll Deduction Authorization and Waiver Cards to
    Payroll Department.                                              ________

2). Submit the Nyl-A-Plus Agreement Form to your General Office      ________
    to obtain an arrangement number.

3). Submit applications to your General Office for processing.       ________

4). Prepare first premium notice with your Office Manager.           ________

5). Deliver first premium notice to Payroll Department and review.   ________

6). Deliver policies to employees.                                   ________

3


                   SAMPLE EMPLOYEE ANNOUNCEMENT LETTER- Draft #2




Dear (employee):


In today's economic climate, it's always a pleasure to discover that
there are still areas where we can make our hard-earned dollars
count, and get a good return for our efforts.

That's why our company is pleased to announce an attractive addition
to our existing employee fringe benefit program.  Through a unique
arrangement with New York Life Insurance Company, you now have a
valuable opportunity to add to your financial security with
individually owned life insurance that also builds a growing,
guaranteed cash value.

Here are just some of its advantages:

  *  Competitive rates available only through this program.

  *  You design the plan to fit your own needs, adding protection for
     other family members at your option.

  *  The increasing cash value can be used for emergencies,
     opportunities such as a child's education, or your own retirement.

  *  If you retire or leave the company, your coverage can be continued
     with no increase in cost or decrease in benefits.

  *  Thanks to the convenience of payroll deduction, you're not
     bothered with monthly statements, writing and mailing checks, or
     worrying about a missed payment.

This is a completely voluntary program.  You'll soon be invited to a
special meeting where you'll get a detailed picture of the program
and its advantages.  Whether or not you decide to participate, we
encourage you to take this opportunity to learn more about how you
can improve your financial future.


Sincerely,

