AD Silver Provides Enhanced Coverage for the Growing Population of Americans Aged 40 and over

NORWALK, Conn., Sept. 23, 2008 - Affinion Group, a leading provider of protection solutions in consumer health and financial security, today announced an expansion of its insurance programs developed specifically for the needs and lifestyles of adults aged 40 and over.

The program, called AD Silver, is now available to the growing population of Americans who are seeking additional guaranteed coverage to help protect their families against the financial hardships associated with accidental injury and death, either while planning for or enjoying their retirement.

AD Silver is an innovative approach to help address the concerns and needs of individuals who want to help assure the future welfare of loved ones while continuing to enjoy their active lifestyles.  The rising pressures of inflation are currently squeezing the budgets of many consumers, and unforeseen financial obligations can often leave families short on coverage.  AD Silver was built to provide an affordable bridge toward a more comprehensive coverage plan.

"Affinion remains committed to delivering programs that both provide significant value and meet the changing needs of our customers," said Ronald Clarke, Senior Vice President of Affinion Group.  "Our new AD Silver accidental death insurance targets an audience with the experience and wisdom to recognize when innovative and creative features can enhance their security and peace of mind".

AD Silver’s basic coverage is generally offered as a benefit provided though Affinion Group’s banking and credit card partners.  Enrollment for the primary insured is guaranteed (for those 40 years of age or older) and there is no physical required or medical questions to answer.  In addition, there is no minimum age requirement for the insured’s spouse.  Importantly, there is no termination age and no age reduction in order to qualify, and no reduction in benefits as policy holders age.

Additional features of the AD Silver insurance plan include:

• Anti-inflation benefit with stepped increases up to 125 percent of originating amount of insurance, with continuous coverage for each two-year anniversary.


• Doubling of the benefit amount for a fare-paid Common Carrier accident resulting in loss of life of insured.


• Income benefits (up to $1,500 a month) for Hospital stays lasting longer than seven days, and up to one year due to a covered accident.


• Benefits are increased by 50 percent if loss of life occurs while riding or driving an automobile and a seat belt is worn at the time of a covered accident.

Although rates are expected to vary by state, customers can also typically choose from a wide range of additional supplemental plans starting at $3.95 per month for $10,000 of additional individual coverage.

All benefits are subject to the terms and conditions of the policy.  Policies underwritten by Hartford Life Insurance Company, Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

AD Sliver is the latest addition to Affinion's growing value-added insurance portfolio that includes Accidental Death & Dismemberment (AD&D), Accident Protection Plan, Hospital Accident Coverage, Hospital Indemnity Plan and Simple Issue Term Life.  To learn more about Affinion's plan benefits, restrictions and options, as well other product and service offerings, visit http://www.affinion.com/products-services/insurance.

About The Hartford
The Hartford¹ is one of the largest life and disability insurance groups in the U.S.  Its investment portfolio is of the highest quality and it continues to earn strong ratings in the industry.  The Hartford issuing companies are rated A+ by A.M. Best².
¹ The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company & Hartford Life and Accident Insurance Company.
² Based on Ratings as of 6/30/08. A+ is the second highest of 15 A.M. Best categories.

About Affinion Group
As a global leader with almost 40 years of experience, Affinion Group (www.affinion.com) enhances the value of its partners' customer relationships by developing and marketing loyalty solutions. Leveraging its expertise in customer engagement, product development and targeted marketing, Affinion provides programs in subscription-based lifestyle services, personal protection, insurance and other areas to help generate increased customer loyalty and significant incremental revenue for more than 5,550 marketing partners worldwide, including many of the largest and most respected companies in financial services, retail, travel, and Internet commerce. Based in Stamford, Conn., the company has approximately 4,250 employees and markets in 17 countries globally. Affinion holds the prestigious ISO 27001 certification for the highest information security practices, is PCI compliant and Cybertrust certified.

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