This Long Term Care Insurance Product is intended to be tax-qualified under section 7702B(b) of the Internal Revenue Code. The Policy and Rates were originally approved under SERFF # MEAM-126787304 on 4/20/2011. 

An Addendum to the filed and approved Actuarial Memorandum is enclosed under the Supporting Documents tab. This Addendum illustrates a prospective adjustment to the Risk Classification section of the Actuarial Memorandum. No changes have been made to rates.