Universal Life is permanent life insurance that helps protect the people you love and the way you live. Universal Life is designed to match your needs throughout your lifetime. Plus, it adds an extra level of financial protection by providing living benefits for long-term care, so you’re covered for wherever life takes you.

• Universal Life is flexible permanent life insurance designed to last a lifetime.

• The younger you are when you enroll, the more benefit you receive for the same premium.

• No medical exams or blood work – just answer a few simple questions.

Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief, survivors may suddenly be faced with costly expenses and debts, and even a loss of income. Universal Life can help. Whether you are married, a parent or single and starting out, Universal Life helps take care of the people important to you if tragedy happens. You can choose a benefit amount that provides the right protection for you. Universal Life insurance can mean those left behind can still pursue their own dreams, and help ensure that the ending of one story won’t stop the beginning of another.

At any point in your life, you may need long-term care services, which could cost hundreds of dollars per day. Universal Life/LifeEvents includes an accelerated death benefit that can help pay for these services at any age. With either option, this benefit remains at the same level throughout your life, so the full amount is always available when you most need it.

Here’s how it works:

• You can collect 4% of your Universal Life benefit per month for up to 25 months to help pay for long-term care services.

Flexible features available:

• PLUS: If you collect an accelerated death benefit, your full death benefit is still available for your beneficiaries, as much as doubling your benefit.

The Accelerated Death Benefit begins to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. Pre-existing condition limitation may apply. Your policy will contain complete details.

Funeral and burial costs Rent or mortgage payments Tuition and loans Credit card bills Medical expenses Retirement savings

Benefit for terminal illness

• Use part of your death benefit if you’re diagnosed with a terminal illness to help manage costs.

• Keep your coverage at the same price and benefits if you change jobs or retire.
• Apply for coverage for family members: spouse, children and grandchildren.
• Convenient payroll deduction; pay via direct bill, bank draft or credit card if you leave your employer.

• Double your death benefit if you die in an accident before age 75.

• Buy term life insurance for your children. They can later simply convert it to a permanent Universal Life policy.

• Waive your policy payments if your doctor says you’re totally disabled.

• The EZ Value option can automatically increase your benefit amount over time – without any medical questions.

  Example: $1 increase in weekly premium each year, for 10 years.

  $25,000 Initial benefit

  $41,299 After 5 years

  $53,845 After 10 years

  Example is for age 40, employee only, non-smoker coverage, with accelerated death benefit and no additional features. Actual values will vary by age, smoking status, benefits selected and interest rates. Increases may be available for a maximum of 5 or 10 years, depending on employer selection.

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