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RELIASTAR LIFE INSURANCE COMPANY

CERTIFICATE BOOKLET RIDER

Applicable to Texas Residents

Texas law limits the amount of life insurance that can be provided to employees and dependents of employees. The life Insurance amounts show in your certificate booklet are reduced if the amounts are greater than allowed under Texas law, as described below:

An employee’s amount of life insurance is limited to the greater or $250,000 or 7 times (700%) your yearly earnings. This maximum applies to the total of all group life coverage issued to the employee through the Group Policyholder, including any coverage provided by other insurers.

An employee’s amount of dependent life insurance, if any, is limited to 50% of the amount of employee life insurance.

R-08102a

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