Product

Select Whole life

Plan provides permanent life insurance at a guaranteed level premium. Plans
also offer guaranteed cash value, paid-up insurance values, in addition to
dividends which can accumulate at interest or purchase paid-up insurance.

Riders Available:
10-Year, 20-Year, 30-Year Level Term
Guaranteed Purchase Option
Children's Benefit Rider
Waiver of Premium

Yearly Renewable Term/10 Year Level Term Insurance

early Renewable, 10-Year, 20-Year, or 30-Year Level Term

Riders Available:
Guaranteed Purchase Option
Children's Benefit

One Pay Life

Plan provides permanent life insurance coverage with one single premium.
Plan offers guaranteed cash values and dividends.

NO RIDERS AVAILABLE

Flexible Premium Annuities

Plans provide an excellent way for you to save money over the years for
future retirement needs or emergencies. Interest accumulates tax-deferred,
and will provide a guaranteed life income at retirement. Currently our
tax-qualified IRA’s and Roth IRA’s as well as our Non-qualified plans are
paying interest rates of 4.50% on accounts with balances from $1.00 to
$24,999.99, and 5% on accounts with balances of $25,000.00 or more.

Accident and Sickness Disability

Plan provides an income for disabilities caused by injury or sickness, on or
off duty, and additional income for hospitalization during the first 30
days. Several benefit options are available to meet your financial needs.
One popular feature of the Accident and Sickness Policy will return all
premiums if you go claim-free for ten years or attain age 55, whichever
comes first.

NO RIDERS AVAILABLE

Accident Only

Coverage is provided to help pay for treatment of accidental injuries
suffered on- or off-duty, and includes accidental death, dismemberment, and
hospital confinement.

Riders Available
Non-Fatal Gunshot Wound
Non-Fatal Burn Rider
Spouse Rider
Increased Disability Income Rider—Not available in some states.

Membership Policy

Plan provides benefits for accidental death for Police Officer or
Firefighter on or off-duty. Family Coverage is also available. Coverage
depends on policy purchased and age of member.

Riders Available
Dependent Rider

Optional Benefits

Waiver of Premium

This benefit provides waiver of premium on the insured to age 55, after a
six-month waiting period of continued disability. Social Security
eligibility requirements.

Guaranteed Purchase Options

This benefit provides the option to increase coverage on your life insurance
policy. Option dates are the anniversary date following ages 25, 28, 31, 34,
37, and 40. Alternative option dates are within 60 days following marriage
or birth of child. No evidence of insurability or occupation is required.

Children's Benefit

This benefit provides $1,000.00 of level term insurance on the life of each
child between the age of 15 days and 23 years. Each Child may convert to a
permanent plan of insurance which will be five times the amount of coverage
without evidence of insurability at age 23.