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Final Expense Whole Life Insurance - UCT

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Final Expense Whole Life Insurance - UCT Powered By Docstoc
					             Final Expense Whole
             Life Insurance
              A practical way of removing one more
                     worry from your family’s future



FXP B 0811
Peace of Mind Protection for You!


                  No one knows when we or a loved one
                  will die, but we can take steps now to help
                  make sure that burial costs and other final
                  expenses will be covered when the bills
                  come due.
                  Important Benefits Information
                  ●● According to the Funeral Directors
                     of America, the average cost of an
                     adult funeral is $7,323 while the average cost of
                     cremation can easily exceed $3,000.
                  ●● Social Security pays $255, to those who qualify,
                     for funeral and other expenses.

                  Your family will be responsible for the
                  unpaid balance!
                    Ideal for covering final expenses, this insurance plan offers a level
                  death benefit with fixed premiums.This permanent plan can give
                  you peace of mind, knowing that your family will not be burdened
                  with burial expenses and other costs of settling your estate.This plan
                  uses a simplified application process that does not normally require
                  any medical examination. Minimum issue amount is $3,000 with a
                  maximum of $25,000.




The UCT Final    ●●
                 ●●
                      Fixed premium rates
                      Guaranteed cash values
Expense Plan     ●●   Policy loans
                      Benefits up to $25,000
Features
                 ●●
                 ●●   Ability to change the beneficiary at any time
                 ●●   Availability from age 18 to 80
                 ●●   Benefits that can never be reduced or canceled as
                      long as premiums are paid on time
Whole Life Insurance Plan Premiums (Issue Ages 18-80)
UCT provides solid coverage at reasonable rates. We welcome comparison with other coverages.
Policy fee: $36
 Whole Life Insurance Plan Premiums per $1,000 of Insurance
 Issue     Premium   Issue        Premium   Issue           Premium   Issue          Premium   Issue       Premium
 Age     Male Female Age        Male Female Age           Male Female Age          Male Female Age       Male Female
18-20 11.79      10.42   33    15.02    13.14       46    22.86   18.67      59    41.98   31.99   72    94.69   68.60
 21      11.95   10.55   34    15.43    13.45       47    23.89   19.39      60    44.20   33.44   73   101.29   73.66
 22      12.12   10.68   35    15.84    13.77       48    24.99   20.16      61    46.82   35.06   74   108.48   79.25
 23      12.29   10.82   36    16.18    14.00       49    26.16   20.97      62    49.70   36.85   75   116.34   85.40
 24      12.47   10.98   37    16.53    14.25       50    27.41   21.85      63    52.86   38.83   76   124.92   92.18
 25      12.66   11.14   38    16.92    14.51       51    28.76   22.83      64    56.29   41.03   77   134.29   99.62
 26      12.87   11.32   39    17.36    14.80       52    30.20   23.87      65    60.01   43.46   78   144.52 107.80
 27      13.10   11.52   40    17.86    15.14       53    31.70   24.95      66    63.94   46.13   79   155.65 116.74
 28      13.35   11.74   41    18.52    15.61       54    33.29   26.08      67    68.19   49.09   80   167.77 126.51
 29      13.62   11.97   42    19.26    16.13       55    34.94   27.25      68    72.77   52.34
 30      13.91   12.22   43    20.07    16.71       56    36.50   28.33      69    77.72   55.91
 31      14.26   12.51   44    20.95    17.33       57    38.17   29.46      70    83.05   59.83
 32      14.63   12.82   45    21.89    18.00       58    39.98   30.67      71    88.64   64.01

Mode factors for all plans
   All rates shown in this brochure are annual premiums. For other premium modes, your premium due is the annual
premium multiplied by number of units of coverage (one unit is $1,000) plus policy fee, multiplied by a mode factor.To
figure your premiums due at each payment:
●● For semi-annual, use the mode factor .515
●● For quarterly, use the mode factor .2625
●● For monthly (EFT*), use the mode factor .08333
●● For monthly (non-EFT), use the mode factor .08833.
   * EFT stands for Electronic Funds Transfer, a convenient method of payment by which automatic monthly withdrawals
are made from your checking account.

An example premium equation for male age 65: Amount of insurance – $3,500
                                 Premium                                                      Mode          Due each
                                                         Units            Policy Fee
                                Per $1,000                                                   Factor         Premium
Annual                            $60.01        5         3.5     +          $36       5      none      =    $246.04
Semi-annual                       $60.01        5         3.5     +          $36       5       .515     =    $126.71
Quarterly                         $60.01        5         3.5     +          $36       5      .2625     =    $64.59
Monthly (EFT)                     $60.01        5         3.5     +          $36       5     .08333     =    $20.50
Monthly (non-EFT)                 $60.01        5         3.5     +          $36       5     .08833     =    $21.73

If You Have a Question
If you have any questions about this product, please call our Customer Service Department at (800) 848-0123,
ext. 300, or contact your UCT representative:
_____________________________________________________________________________________________________
Give Back
   You get more than just insurance with UCT.You get the good
feeling from giving back to local communities.As a non-profit, socially
responsible insurance provider, UCT’s insurance operations help
support causes and organizations
in communities across the U.S.
and Canada.

Get Involved
   Want to take it a step further? As
a UCT member you automatically
join other members in the United
States and Canada who strive to
make a difference in their local
communities. Be as active as YOU
choose, with opportunities to
support causes, including:
●● Intellectual Disabilities
   Programs
●● Student Scholarships
●● Cancer Research
●● Youth Programs
●● Homeless & Disabled Veterans
●● Organizations and causes YOU choose

Strength in Numbers
  UCT members produce amazing results. Over the past 3 years,
UCT’s numbers included:
●● More than $3 million donated to causes
●● More than $300,000 awarded in scholarships
●● More than 370,000 collective hours of volunteer service
   given to communities and causes

Get Covered
  UCT offers a number of affordable insurance and financial
protection products.Whether it’s accident and life products, dental
& vision coverage, or Medicare supplement plans, we offer quality
protection for your insurance needs.

                                  1801 Watermark Drive, Suite 100
                                  Columbus, OH 43215-8619

                                  Tel: 614.487.9680
                                  Toll-free: 800.848.0123
                                  www.uct.org




Underwritten by The Order of United Commercial Travelers of America (UCT).

				
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