GUIDE to LIFE

Permanent Insurance* Permanent insurance provides protection from the moment the contract goes into effect until the insured dies. During the lifetime of the insured there is an accumulation of cash value that can be accessed and used for various benefits. Term Insurance* Term Life Insurance provides a solution for your short-term life insurance needs, protecting you and your family for a specific period. Payout only within term of policy. Endowments* Savings and insurance: two products for the price of one. Endowments help you save money for important moments in your life such as your child’s or grandchild’s higher education or marriage, or for unforeseen future expenses. At the same time, the endowment serves as a life insurance policy until the date of maturity. All UNA insurance products Permanent and term life policies have separate rates for male and female; tobacco and non-tobacco users. Please call the UNA Home Office at (800) 253-9862 or speak directly with a Sales Agent at (888) 538-2833 * Not available in all states. Life Paid-Up at Age 100 (Pay 100) . . . . . . . . . . . . . . . . . . . . . . . . 5 Life Paid-Up at Age 65 (Pay 65) . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 20-Payment Whole Life (20-Pay) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Single Premium Whole Life (SPWL) . . . . . . . . . . . . . . . . . . . . . . . 11 20-Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 10-Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 5-Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Juvenile Term (to age 30) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Endowment at Age 18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 20-Year Endowment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 UNA Life Insurance and Endowments 3