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					              WESTERN CATHOLIC UNION                               WESTERN CATHOLIC UNION                                  WESTERN CATHOLIC UNION
               SHORT TERM - TAX                                      SHORT TERM - TAX                                       SHORT TERM - TAX
               DEFERRED ANNUITIES                                    DEFERRED ANNUITIES                                     DEFERRED ANNUITIES
     1 YEAR SURRENDER CHARGE                               1 YEAR SURRENDER CHARGE                                1 YEAR SURRENDER CHARGE
       CURRENTLY YIELDING-2.00%                              CURRENTLY YIELDING-2.00%                               CURRENTLY YIELDING-2.00%

         . Guaranteed Rate: 1%                                 . Guaranteed Rate: 1%                                  . Guaranteed Rate: 1%
         * 10% free withdrawal each year                       * 10% free withdrawal each year                        * 10% free withdrawal each year
         * Surrender charges: Yr 1 - 9% Yr 2 – 0%              * Surrender charges: Yr 1 - 9% Yr 2 – 0%               * Surrender charges: Yr 1 - 9% Yr 2 – 0%

           Form No WCU-FPA-5-1210                                   Form No WCU-FPA-5-1210                                 Form No WCU-FPA-5-1210
                   WCU-E WC1Yr-1210                                         WCU-E WC1Yr-1210                                       WCU-E WC1Yr-1210
____________________________________________             ____________________________________________           ____________________________________________

     2 YEAR SURRENDER CHARGE                               2 YEAR SURRENDER CHARGE                                2 YEAR SURRENDER CHARGE
           CURRENTLY YIELDING – 2.25%                            CURRENTLY YIELDING – 2.25%                             CURRENTLY YIELDING – 2.25%

 .        Guaranteed Rate: 1% .                           . Guaranteed Rate: 1% .                                . Guaranteed Rate: 1% .
 * 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 -0%      * Surrender charges: Yr 1 - 9%, Yr 2 - 7%, Yr 3 -0%    * Surrender charges: Yr 1 - 9%, Yr 2 - 7%, Yr 3 -0%

           Form No WCU FPA-5-1210                                   Form No WCU FPA-5-1210                                 Form No WCU FPA-5-1210
                   WCU E-WC-2Yr-1210                                        WCU E-WC-2Yr-1210                                      WCU E-WC-2Yr-1210
____________________________________________             ____________________________________________           ____________________________________________

     3 YEAR SURRENDER CHARGE                               3 YEAR SURRENDER CHARGE                                3 YEAR SURRENDER CHARGE
           CURRENTLY YIELDING – 2.50%                            CURRENTLY YIELDING – 2.50%                             CURRENTLY YIELDING – 2.50%

     .    Guaranteed Rate: 1%                              .    Guaranteed Rate: 1%                               .    Guaranteed Rate: 1%
     * 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 – 0%                                             Yr 4 – 0%                                              Yr 4 – 0%

             Form No WCU FPA 5-1210                                Form No WCU FPA 5-1210                                 Form No WCU FPA 5-1210
                     WCU E-WC-3 Yr-1210                                    WCU E-WC-3 Yr-1210                                     WCU E-WC-3 Yr-1210
__________________________________________________       __________________________________________________     __________________________________________________



       Current yields effective 09-01-2011. Yields are       Current yields effective 09-01-2011. Yields are        Current yields effective 09-01-2011. Yields are
     subject to change at any time prior to issue. All     subject to change at any time prior to issue. All      subject to change at any time prior to issue. All
     annuities are issued by Western Catholic Union,       annuities are issued by Western Catholic Union,        annuities are issued by Western Catholic Union,
     Quincy IL and are not available in all states.        Quincy IL and are not available in all states.         Quincy IL and are not 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 *
         Guaranteed Rate 1%                                   Guaranteed Rate 1%                                   Guaranteed Rate 1%
      Surrender charges: Yr 1-9%, Yr 2-7%,                 Surrender charges: Yr 1-9%, Yr 2-7%,                 Surrender charges: Yr 1-9%, Yr 2-7%,
       Yr 3-5% Yr 4-3%, Yr 5 -1%, Yr 6-0%                   Yr 3-5% Yr 4-3%, Yr 5 -1%, Yr 6-0%                   Yr 3-5% Yr 4-3%, Yr 5 -1%, Yr 6-0%
          Form NO      FPA (5)-1210                            Form NO      FPA (5)-1210                            Form NO      FPA (5)-1210
__________________________________________________   __________________________________________________   __________________________________________________
    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 *
        Guaranteed Rate 1%                                   Guaranteed Rate 1%                                   Guaranteed Rate 1%
      Surrender charges: Yr 1-8%, Yr 2-7%,                 Surrender charges: Yr 1-8%, Yr 2-7%,                 Surrender charges: Yr 1-8%, Yr 2-7%,
        Yr 3-6% Yr 4-5%, Yr 5-4%, Yr 6-3%,                   Yr 3-6% Yr 4-5%, Yr 5-4%, Yr 6-3%,                   Yr 3-6% Yr 4-5%, Yr 5-4%, Yr 6-3%,
        Yr 7-2%, Yr 8-1%, Yr 9-0%                            Yr 7-2%, Yr 8-1%, Yr 9-0%                            Yr 7-2%, Yr 8-1%, Yr 9-0%
          Form NO      FPA (8) -1210                           Form NO      FPA (8) -1210                           Form NO      FPA (8) -1210
________________________________________             ________________________________________             ________________________________________
    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 *
          Guaranteed Rate 3%                                   Guaranteed Rate 3%                                   Guaranteed Rate 3%
      Surrender charges: Yr 1-10%, Yr 2-9%,                Surrender charges: Yr 1-10%, Yr 2-9%,                Surrender charges: Yr 1-10%, Yr 2-9%,
      Yr 3-8%, Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%,         Yr 3-8%, Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%,         Yr 3-8%, 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 8 -3%, Yr 9-2%, Yr 10-1%, Yr 11-0%                Yr 8 -3%, Yr 9-2%, Yr 10-1%, Yr 11-0%
               Form (10) – 122009- IL                               Form (10) – 122009- IL                               Form (10) – 122009- IL
    Other Fraternal benefits may be available.          Other Fraternal benefits may be available.          Other Fraternal benefits may be available.
    Fraternal benefits are subject to change at         Fraternal benefits are subject to change at         Fraternal benefits are subject to change at
     any time.                                            any time.                                            any time.
    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        A current APY (Annual Percentage Yield) means        A current APY (Annual Percentage Yield) means
that Western Catholic Union intends to pay this      that Western Catholic Union intends to pay this      that Western Catholic Union intends to pay this
APY for the entire term of the annuity. However,     APY for the entire term of the annuity. However,     APY for the entire term of the annuity. However,
this APY is not guaranteed and can fluctuate up or   this APY is not guaranteed and can fluctuate up or   this APY is not guaranteed and can fluctuate up or
down during the term of the annuity. If you          down during the term of the annuity. If you          down during the term of the annuity. If you
purchase an annuity from Western Catholic Union,     purchase an annuity from Western Catholic Union,     purchase an annuity from Western Catholic Union,
it will have a minimum guaranteed interest rate of   it will have a minimum guaranteed interest rate of   it will have a minimum guaranteed interest rate of
1%. This means even if the current APY decreases,    1%. This means even if the current APY decreases,    1%. This means even if the current APY decreases,
the guaranteed interest rate, not the current APY,   the guaranteed interest rate, not the current APY,   the guaranteed interest rate, not the current APY,
for your annuity will never drop below the 1%        for your annuity will never drop below the 1%        for your annuity will never drop below the 1%
stated in the certificate.                           stated in the certificate.                           stated in the certificate.

				
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posted:9/20/2011
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