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American Income Life Insurance Company






             TPA is partnering with American Income Life Insurance Company again
             to provide an additional $3,500 Accidental Death & Dismemberment
             Insurance to each member.  This benefit is at no cost to the Association
             nor to the member.  The Association currently provides Active Members
             $4,000 AD&D coverage, bringing the total AD&D coverage to $7,500.







             Letters will be mailed to each member explaining the program in greater
             detail and the letter contains a “yellow” beneficiary card.  If you have
             previously returned a yellow card with beneficiary information, you do not
             need to resubmit your information again.  Please know, that once you
             return the “yellow card”, you will be contacted by one of their
             representatives wanting to discuss any other life insurance needs you

             may want to buy in addition to this benefit.






             TPA does not share your information with anyone so this contact will be
             the result of your initial submission of your beneficiary information card to
             American Income Life Insurance Company.


















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