Do you need life insurance that lasts as long as you live? Our permanent plans give you the security of:

• 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 health.
• A guaranteed cash value that will 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 - among the very best in the life insurance industry.

Our permanent plans include:

• Whole Life ? premiums payable for all of life.
• Limited Payment Life ? premiums payable for a shorter period.
• Discoverer ? a custom blend of whole life and term insurance.
• DuaLife ? a custom blend of whole life and term, insuring two lives, payable upon the 2nd person's death.

A Word About Policy Dividends

Policy dividends represent a distribution to policyowners of surplus funds resulting from favorable investment, expense or claims experience.  Because of this, they cannot be guaranteed, and may increase or decrease based on the Order's actual and anticipated results.

For Temporary Needs

Are your life insurance needs temporary? Many people´s needs are, indeed, temporary ? even though they may be of long duration. Your mortgage, business loans, educational funds, and needs of children at home are some examples of temporary needs that can be met with term life insurance.

Term insurance ? as its name denotes ? remains in effect for the term of the policy. When the term ends, your coverage stops ? although you do have the option of renewing the policy (for another term) or converting it to a permanent plan. For these wide-ranging needs, we offer a full range of term insurance plans. Because the protection they provide is temporary, these plans are lower-priced than permanent plans for the same amount. Here are some of our available policies:

Annual Renewable Term

• Ultra Premier Term
• Premier Term
• Level Term Insurance
• 10 Year Term
• 15 Year Term
• 20 Year Term

Decreasing Term Insurance

For the Unexpected

Record numbers of people are living well into their 80s, 90s...and even past the age of 100. That translates into more time to do the things you want to do, to spend time with the people you love. It also poses new challenges.

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. And, 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.<sup>4


Long Term Care Costs by city/region:
https://www.ltcfeds.com/ltcWeb/do/assessing_your_needs/costofcare?action=costofcare</sup>

The beauty of our annuity products lies squarely in their simplicity and security.

Simple from the standpoint that they're 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, while assuring absolute safety of your retirement nest egg.

Whether you're 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.