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					        WESTERN                                              WESTERN                                              WESTERN
         CATHOLIC                                             CATHOLIC                                             CATHOLIC
           UNION                                                UNION                                                UNION
      SHORT TERM                                           SHORT TERM                                           SHORT TERM
_______ANNUITIES_________                            _______ANNUITIES_________                            _______ANNUITIES_________
   1 YEAR SINGLE PREMIUM                                1 YEAR SINGLE PREMIUM                                1 YEAR SINGLE PREMIUM
   GUARANTEED RATE – 2.25%                              GUARANTEED RATE – 2.25%                              GUARANTEED RATE – 2.25%
 Full contract value paid at the end of               Full contract value paid at the end of               Full contract value paid at the end of
 policy year.                                         policy year.                                         policy year.
 10% free withdrawal each year.                      10% free withdrawal each year.                        10% free withdrawal each year.
  Form No FPIA-0501                                    Form No FPIA-0501                                    Form No FPIA-0501
____________________________________________         ____________________________________________         ____________________________________________

   2 YEAR SINGLE PREMIUM–                               2 YEAR SINGLE PREMIUM–                               2 YEAR SINGLE PREMIUM–
      GUARANTEED RATE – 2.75%                             GUARANTEED RATE – 2.75%                               GUARANTEED RATE – 2.75%
 Full contract value paid at the end of               Full contract value paid at the end of               Full contract value paid at the end of
 policy term.                                         policy term.                                         policy term.
 10% free withdrawal each year.                       10% free withdrawal each year.                       10% free withdrawal each year.
  Form No FPIA-0501                                    Form No FPIA-0501                                    Form No FPIA-0501
____________________________________________         ____________________________________________         ____________________________________________

        SHORT TERM TAX-                                      SHORT TERM TAX-                                      SHORT TERM TAX-
       DEFERRED ANNUITY____                                 DEFERRED ANNUITY____                                 DEFERRED ANNUITY____
 3 YEAR SURRENDER CHARGE                              3 YEAR SURRENDER CHARGE                              3 YEAR SURRENDER CHARGE
CURRENTLY YIELDING – 3.00%                           CURRENTLY YIELDING – 3.00%                           CURRENTLY YIELDING – 3.00%
        GUARANTEED RATE – 3.00%                              GUARANTEED RATE – 3.00%                              GUARANTEED RATE – 3.00%
  10% free withdrawal each year                        10% free withdrawal each year                        10% free withdrawal each year
  Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%         Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%         Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%
    Yr 4-3%, Yr 5 -1%, Yr 6-0%                           Yr 4-3%, Yr 5 -1%, Yr 6-0%                           Yr 4-3%, Yr 5 -1%, Yr 6-0%
  You may opt out of contract at end of 3rd year       You may opt out of contract at end of 3rd year       You may opt out of contract at end of 3rd year
    with no surrender charge.                            with no surrender charge.                            with no surrender charge.
     Form No FPA (5)-122009-IL                            Form No FPA (5)-122009-IL                            Form No FPA (5)-122009-IL
__________________________________________________   __________________________________________________   __________________________________________________

  Current yields effective 08-23-2010. Yields are      Current yields effective 08-23-2010. Yields are      Current yields effective 08-23-2010. Yields are
subject to change. All annuities are issued by       subject to change. All annuities are issued by       subject to change. All annuities are issued by
Western Catholic Union, Quincy IL and are not        Western Catholic Union, Quincy IL and are not        Western Catholic Union, Quincy IL and are not
available in all states.                             available in all states.                             available in all states.
                 800-223-4928                                         800-223-4928                                         800-223-4928
                 217-223-9721                                         217-223-9721                                         217-223-9721
                www.wculife.org                                      www.wculife.org                                      www.wculife.org
   LONG TERM - TAX                                          LONG TERM - TAX                                         LONG TERM - TAX
  DEFERRED ANNUITIES                                      DEFERRED ANNUITIES                                      DEFERRED ANNUITIES
5 YEAR SURRENDER CHARGE                                 5 YEAR SURRENDER CHARGE                                 5 YEAR SURRENDER CHARGE
CURRENTLY YIELDING – 3.25%                              CURRENTLY YIELDING – 3.25%                              CURRENTLY YIELDING – 3.25%
 10% free withdrawal each year *                          10% free withdrawal each year *                         10% free withdrawal each year *
   Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%             Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%            Surrender charges: Yr 1-9%, Yr 2-7%, Yr 3-5%
   Yr 4-3%, Yr 5 -1%, Yr 6-0%                                 Yr 4-3%, Yr 5 -1%, Yr 6-0%                              Yr 4-3%, Yr 5 -1%, Yr 6-0%
      Form No FPA (5)-122009-IL                               Form No FPA (5)-122009-IL                               Form No FPA (5)-122009-IL
_________________________________________________       __________________________________________________      __________________________________________________
8 YEAR SURRENDER CHARGE                                 8 YEAR SURRENDER CHARGE                                 8 YEAR SURRENDER CHARGE
CURRENTLY YIELDING – 3.50%                              CURRENTLY YIELDING – 3.50%                              CURRENTLY YIELDING – 3.50%
 10% free withdrawal each year *                         10% free withdrawal each year *                         10% free withdrawal each year *
   Surrender charges: Yr 1-8%, Yr 2-7%, Yr 3-6%            Surrender charges: Yr 1-8%, Yr 2-7%, Yr 3-6%            Surrender charges: Yr 1-8%, Yr 2-7%, Yr 3-6%
 Yr 4-5%, Yr 5-4%, Yr 6-3%, Yr 7-2%, Yr 8-1%, Yr 9-0%    Yr 4-5%, Yr 5-4%, Yr 6-3%, Yr 7-2%, Yr 8-1%, Yr 9-0%    Yr 4-5%, Yr 5-4%, Yr 6-3%, Yr 7-2%, Yr 8-1%, Yr 9-0%
          Form No FPA (8)–122009-IL                               Form No FPA (8)–122009-IL                               Form No FPA (8)–122009-IL
____________________________________________            ____________________________________________            ____________________________________________
10 YEAR SURRENDER CHARGE                                10 YEAR SURRENDER CHARGE                                10 YEAR SURRENDER CHARGE
CURRENTLY YIELDING – 3.75%                              CURRENTLY YIELDING – 3.75%                              CURRENTLY YIELDING – 3.75%
  10% free withdrawal each year *                         10% free withdrawal each year *                         10% free withdrawal each year *
    Surrender charges: Yr 1-10%, Yr 2-9%, Yr 3-8%           Surrender charges: Yr 1-10%, Yr 2-9%, Yr 3-8%           Surrender charges: Yr 1-10%, Yr 2-9%, Yr 3-8%
     Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%, Yr 8 -3%,           Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%, Yr 8 -3%,           Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%, Yr 8 -3%,
     Yr 9-2%, Yr 10-1%, Yr 11-0%                             Yr 9-2%, Yr 10-1%, Yr 11-0%                             Yr 9-2%, Yr 10-1%, Yr 11-0%
       Form No FPA (10)-122009-IL                              Form No FPA 10)-122009-IL                               Form No FPA 10)-122009-IL

     MINIMUM GUARANTEED                                      MINIMUM GUARANTEED                                      MINIMUM GUARANTEED
     RATE ON THE 5, 8 and 10                                 RATE ON THE 5, 8 AND 10                                 RATE ON THE 5, 8 AND 10
      YEAR PLANS IS 3%.                                        YEAR PLANS IS 3%.                                       YEAR PLANS IS 3%.

* Other Fraternal benefits may be available.            * Other Fraternal benefits may be available.            * Other Fraternal benefits may be available.
Contact the Home Office for more details.               Contact the Home Office for more details.               Contact the Home Office for more details.

A current APY (Annual Percentage Yield) means that      A current APY (Annual Percentage Yield) means that      A current APY (Annual Percentage Yield) means that
Western Catholic Union intends to pay this APY for      Western Catholic Union intends to pay this APY for      Western Catholic Union intends to pay this APY for
the entire term of the annuity. However, this APY is    the entire term of the annuity. However, this APY is    the entire term of the annuity. However, this APY is
not guaranteed and can fluctuate up or down during      not guaranteed and can fluctuate up or down during      not guaranteed and can fluctuate up or down during
the term of the annuity. If you purchase a long term    the term of the annuity. If you purchase a long term    the term of the annuity. If you purchase a long term
annuity * from Western Catholic Union, it will have a   annuity * from Western Catholic Union, it will have a   annuity * from Western Catholic Union, it will have a
minimum guaranteed interest rate of 3%. This            minimum guaranteed interest rate of 3%, This            minimum guaranteed interest rate of 3%. This
means even if the current APY decreases, the            means even if the current APY decreases, the            means even if the current APY decreases, the
guaranteed interest rate, not the current APY, for      guaranteed interest rate, not the current APY, for      guaranteed interest rate, not the current APY, for
your annuity will never drop below the 3% stated in     your annuity will never drop below the 3% stated in     your annuity will never drop below the 3% stated in
the certificate.                                        the certificate.                                        the certificate.
* Form nos. FPA (5)-122009I, FPA (8) -122009-IL &       * Form nos. FPA (5)-122009I, FPA (8) -122009-IL &        * Form nos. FPA (5)-122009I, FPA (8)- 122009-IL &
     FPA (10) – 122009 IL.                                   FPA (10) – 122009 IL.                                   FPA (10) – 122009 IL.

				
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