EX-10.9



 Exhibit 10.9 
 AMENDMENT 4 
 TO THE 

GROUP SHORT TERM DISABILITY REINSURANCE AGREEMENT 
 This Amendment 4 (this “Amendment”) to the Group Short Term Disability Reinsurance Agreement between Symetra Life Insurance Company (“Insurer”) of Bellevue, Washington and Reliance
Standard Life Insurance Company doing business as Custom Disability Solutions, as Managing Agent (“Managing Agent”) for each of the participating reinsurers collectively referred to in the Reinsurance Agreement as the American Disability
Reinsurance Underwriters Syndicate (ADRUS or “Reinsurer”),originally effective January 1, 1999, as amended (the “Reinsurance Agreement”), is entered into between Symetra and Managing Agent effective as of the dates stated
below in sections 1-4 of this Amendment. 
 WHEREAS, pursuant to Amendment 3 to the Reinsurance Agreement, the parties terminated the
reinsurance under the Reinsurance Agreement with respect to policies written on or after June 1, 2011; 
 WHEREAS, pursuant to that certain
Group Long Term & Short Term Disability Reinsurance Agreement between Symetra and Managing Agent, effective April 1, 2012 (the “2012 Reinsurance Agreement”), the Reinsurer reinsures (i) Group Short Term Disability
(“STD”) policies written by the Insurer with policy effective dates on or after April 1, 2012, and (ii) STD policies written by the Insurer with policy effective dates from June 1, 2011 up to and including March 31,
2012, effective on each such policy’s next anniversary date occurring on or after July 1, 2012; 
 WHEREAS, concurrently with this
Amendment, the parties will amend the 2012 Reinsurance Agreement to reinsure STD policies with policy effective dates prior to June 1, 2011 which are currently reinsured pursuant to the Reinsurance Agreement (the “Legacy Block”); and

 WHEREAS, the parties desire to amend the Reinsurance Agreement to terminate the reinsurance for Legacy Block policies that will be reinsured
pursuant to the 2012 Reinsurance Agreement, as amended. 
 NOW THEREFORE, in consideration of the mutual agreements contained herein, and other
good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties agree as follows: 
  

	1.	Effective March 1, 2013, the Reinsurance Agreement shall be terminated with respect to the Maxx Material Systems Legacy Block STD policy; however, the Reinsurer
shall remain liable under the Reinsurance Agreement for all claims incurred under the Maxx Material Systems Legacy Block STD policy prior to March 1, 2013. 


 

	2.	Effective June 1, 2013, except for the Parkdale Mills and Parkdale America Legacy Block STD policies and STD policies administered by Excess Risk Underwriters,
Inc. (“ERU”), the Reinsurance Agreement shall be terminated with respect to all remaining Legacy Block STD Policies; however, the Reinsurer shall remain liable under the Reinsurance Agreement for all claims incurred under such policies
prior to June 1, 2013. 

  

	3.	Effective July 1, 2013, the Reinsurance Agreement shall be terminated with respect to the Parkdale Mills and Parkdale America Legacy Block STD policies; however,
the Reinsurer shall remain liable under the Reinsurance Agreement for all claims incurred under the Parkdale Mills and Parkdale America Legacy Block STD policies prior to July 1, 2013. 


  
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	4.	Effective February 1, 2014, the Reinsurance Agreement shall be terminated with respect to any remaining in-force Legacy Block STD Policies, including but not
limited to reinsurance under the Reinsurance Agreement for STD policies administered by ERU; however, the Reinsurer shall remain liable under the Reinsurance Agreement for all claims incurred under such policies prior to February 1, 2014.


  

	5.	All claims incurred under STD policies while such policies were reinsured under the Reinsurance Agreement will continue to be administered by the Managing Agent.


  

	6.	All provisions of the Reinsurance Agreement not in conflict with the provisions of this Amendment will continue unchanged. 


IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment to be executed on its behalf by the signature of its duly authorized
representative as of the dates shown below: 
  

							
	CUSTOM DISABILITY SOLUTIONS	 	SYMETRA LIFE INSURANCE COMPANY
				
	By:	 	 /s/ Paul K. Fields
	 	By:	 	 /s/ Thomas M. Foran

	Name:	 	Paul K. Fields	 	Name:	 	Thomas M. Foran
	Title:	 	CFO	 	Title:	 	Vice President
	Date:	 	4/16/13	 	Date:	 	4/16/2013


  
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