Aetna

The FCCA wants to remind you that the open enrollment for the new FEDERAL FIRST Voluntary Term Life Insurance program is coming to an end. Now, during the open enrollment, you have the opportunity to buy coverage up to specific guarantee issue amounts as described in your enrollment materials without providing evidence of insurability.

Open Enrollment ends October 15, 2008.

This term life insurance coverage, underwritten by Aetna Life Insurance Company (Aetna) wants to change the view that the benefits of having group life insurance coverage is only for your beneficiaries. The FEDERAL FIRST Voluntary Term Life Insurance program includes the Aetna Life Essentials Program. When you purchase the term life insurance, Aetna offers you the ability to actually take advantage of your Group Life Insurance coverage now, to help you plan for your future and improve your personal and financial health. With Aetna Life Essentials program, you have:

· Access to financial advice — You have access to the expertise of JPMorgan Chase financial planning services. Need help setting financial priorities, or setting up investment programs to help with your goals? Get the guidance you need from JPMorgan Chase as you plan for your financial future.¹

· Access to legal services — You have access to online legal resources and support tools that you can use to document important health care, financial and estate directives, including the ability to create a basic will, all at no extra cost to you.²

In addition, beneficiaries of your life insurance coverage have access to financial advice services through JPMorgan Chase. The financial advisors at JPMorgan Chase can help your beneficiaries invest the death benefit to ensure they are protected in the years to come.

For more information about these valuable services, please visit Aetna's website at http://www.aetna.com/group/aetna_life_essentials/

Learn about the FEDERAL FIRST Voluntary Term Life Insurance program by:

· Visiting the FEDERAL FIRST web site at: http://www.federalfirst.com

· Calling the FEDERAL FIRST Service Center at: 1-800-233-0438 Monday - Thursday, 7:30 a.m. - 4:30 p.m. CT and Friday, 7:30 a.m. - 2:00 p.m. CT

· Watching an educational presentation at any time - 24/7 at: http://www.brainshark.com/aetnavpns/Judiciary

Now is the time to act. Enroll now. Open enrollment ends October 15, 2008.

¹Securities 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 Available to Aetna Group Insurance members through arrangement with Aetna Life Insurance Company.

²The Legal Reference Program is independently administered by ARAG Services LLC®. Aetna does not participate in attorney selection or review, and does not monitor ARAG services, content (including website content) or network. Aetna does not provide legal services and makes no representations or warranties as to the quality of the information on the ARAG website, 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 utilized 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.

Policy forms issued in OK include: GR-9/GR-9N.

This program is sponsored by National Conference of Bankruptcy Clerks and endorsed by Federal Court Clerks Association. The FEDERAL FIRST Voluntary Term Life Insurance Program is not an official federal plan or endorsed by the U.S. government.

This material is for information only and is not an offer or invitation to contract. Life insurance policies contain exclusions and limitations. While this material is believed to be accurate as of the print date, it is subject to change.

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