• Knowing your family is protected as long as all premiums are paid as they come due.
• Knowing your premium will stay the same, regardless of your future changes in your health.
• A cash value that is guaranteed to grow over time and can provide a source of funds for future needs.

Another valuable feature of our permanent life insurance plans is the opportunity to earn policy dividends. While dividends are not guaranteed and are declared annually by the Order's Board of Directors, our dividend scale has been and continues to be.

Whole Life: The gold standard. Our lowest cost permanent life insurance product, with premiums due till the age of 100 while the insurance remains in force until the age of 120.

20 Pay Whole Life: If Whole Life is the gold standard than our 20 Pay Whole Life is platinum. You pay slightly higher premiums than you would with Whole Life. After 20 years the premiums are contractually paid up. The dividend is not being used to pay the premiums the contract is paid in full. The insurance though remains in force until death or maturity at the age of 120.

Life Paid Up @ 65: Also known as LPU@65. Acts in the same manner as Whole Life and 20 Pay Whole Life, the only difference is that the premiums are contractually paid up at age 65. Just as with the 20 Pay Whole Life the dividend is not being used to pay future premiums. The contract is paid in full. Insurance remains in force until death or the age of 120. So for a 50 year old this policy would act like a 15 year limited pay Whole Life and therefore be more expensive than a 20 Pay Whole Life. In the case of a 44 year old or younger, the policy would be cheaper than a 20 Pay Whole Life.

Discoverer: A blended policy that combines both Additional Protection Benefit (APB-think of it as term insurance) and Permanent Life insurance product into one policy. The policy's design is for the APB to be converted over a number of years into Whole Life insurance. Premiums are paid until the age of 100 while the insurance remains in force until the age of 120.

Single Premium Whole Life: While we have always had a single premium product, the Knights of Columbus have enhanced it. In the past the final year that the Knights of Columbus could sell life insurance was the age of 75; as of April 1st, 2010, the Knights now allow our Brother Knights to purchase our single premium whole life from 18-80. An excellent enhancement to our product line!!

Graded Death Benefit Whole Life: The Knights of Columbus understand that some of our Brother Knights are not able to qualify for life insurance. This only enhances the reasons that a Brother Knight should buy sufficient levels when healthy. The fact remains that many of our Brother Knights still have a need for life insurance. Our Home Office has heard you and they have taken the necessary steps to file papers with the State of Minnesota and we now offer a policy that is 98% issue with no medical exam necessary. Only five health questions are asked on the application! To my Brother Knights who are un-insurable, thank your home office for adding this to our portfolio! Age Limits and Insurance Levels do apply.

Survivorship Universal Life: Yes, it is true, the Knights of Columbus do have a Universal Life product as part of our life insurance portfolio! The Knights of Columbus have again listened to our members and we work countless hours at improving our product line. A number of our members have estate tax planning issues, we can no longer deny them a product that will serve their needs. So we have created a Second to Die that is one of the finest in the industry. Offering affordable low level premiums, with a guarantee NO Lapse rider that insures our policy will be there when you need it the most! The Knights do not stop there, we have enhanced it yet again. Only one person need be insurable. Even if a Brother Knight or his wife is uninsurable, if the other spouse satisfies underwriting critiera, the policy will be issued!!

NEW PRODUCT!! 10 PAY WHOLE LIFE: We have retained our twenty pay whole life policy but we have created a similiar policy. Instead of being paid in full in twenty years you now have the option to be paid off in ten short years.

NEW PRODUCT!! DISABILITY INCOME: Ask yourself this one question, "What if your last paycheck was actually YOUR LAST PAYCHECK"? Income Armor is the Knights of Columbus answer. This new disability product provides you and your family the protection you need. If you think you will become disabled due to a major accident, think again. 90% of all disability happens from illness and not accidents.

Annual Renewable Term: No matter the company, Annual Renewable Term (ART) is basis of the entire life insurance industry. Premiums are lower in the early years and become more expensive each year there after until the age of 70. Face amount can be as low as $25,000 and can be converted into permanent insurance with no medical exam needed up until the age of 65.

Level Term: Premiums are determined and are guaranteed level for 10, 15, 20 years. Can be renewed with no medical underwriting and just as with ART plans, can be converted into permanent insurance before the age of 65. Coverage ceases at the age of 70 and face amounts start at $100,000. For Brother Knights who medically qualify a discount for their good health can be obtained. With our new series 800 term plans, a portion of your premiums can be applied as a credit for conversion purposes.

Simple in that they are fixed in nature. They provide long-term accumulation of wealth, specifically designed for retirement needs. There are no hidden management fees or annual charges. (Surrender charges may apply).

Secure because they are backed by the Knights of Columbus, an organization that earns the highest ratings from independent rating services while maintaining high ethical standards.

Our investment philosophy is consistent with the nature of the funds entrusted to us. We invest in vehicles that generate competitive rates for you. Though interest rates change through out the year, all of our new annuities are currently guaranteeing you 3% growth, while assuring absolute safety of your retirement nest egg.

Whether you are looking to start a retirement savings program or moving substantial, more volatile funds into 'safer waters', the Knights of Columbus offers programs that can help you achieve your goals.

A tax-free retirement is more in line with your finacial goals, than a Roth IRA is more in line with your thinking. Our Roth IRA is backed by the full strength and security of the Knights of Columbus. An A.M. Best A++ company and a Standard and Poors AAA rated company. We offer a guarantee rate of return that insures that you will never lose one dime of your principal.

In aging, you change in some familiar ways � and some ways that might be completely unexpected. In your 60s and 70s, tasks and activities that you once performed routinely or with ease might become increasingly difficult. Over time, you may need more and more assistance with such activities. You might also experience a sudden, acute need for such help after a debilitating illness such as stroke.

Everyone is potentially at risk. A 2005 study¹ found that 69% of people turning 65 years of age will need some long-term care before they die. Woman are at a higher risk than men with 79% of women turning 65 years of age needing some long-term care and 58% of men turning 65 needing some long-term care. Among those turning 65 years of age, 44% will need less than 1 year; 30% will need 3-5 years; 12% will need 5 or more years. On average, private nursing home care can cost upwards of $78,000 per year.² You may be able to manage with at-home nursing care. Yet this option, too, can be quite expensive. Such services can cost over $55,480 per year in the U.S.³ for eight hours of service, 365 days a year.

These figures can be expected to increase over time. 40% of those receiving Long-Term Care services are adults between the ages of 18 and 64.⁴