The Discoverer - (ages 0-75) Blended plan of permanent insurance offering lower premiums than traditional whole life products. As well as dividends and guaranteed cash values. $50,000 minimum face amount

Whole Life- (ages 0-75) Level premiums for life permanent coverage that does not end in old age when you need it the most. Offers the potential for dividends as well as guaranteed cash values. $5,000 minimum face amount

New Member Plan- (ages 18-65) $50 per year premiums provide coverage for brothers and spouses with no heath problems; benefits are based on age at the time of issue.

Permanent Plans of Insurance - Permanent Premiums

Permanent Plans of Insurance - Limited Pay Life

Life Paid Up @ 95- (ages-18-70) Premiums payable to age 95 $10,000 minimum face amount.

Life Paid Up @ 65- (ages 0-54) No premiums are due after retirement age, the policy becomes "paid up". Dividends and guaranteed cash values (accumulate faster than traditional whole life) can be used to help fund retirement needs while retaining the death benefits. $10,000 minimum face amount

20 Pay Life- (ages 0-70) Similar to the Life Paid Up @ 65, offers even faster cash accumulation. The policy is "paid up" after twenty years. As with all our permanent plans Death benefits, Waiver of Premium during disability, dividends received and guaranteed cash values can make sure college savings or retirement funds are going to be there for the future. $10,000 minimum face amount

Single Premium Life- (ages 0-75) Designed to give permanent insurance to those who want to pay one single time in their life for their policy. The tax treatment of this policy is different from most other life insurance policies. You should contact Todd to see if this is right for you. $1,000 minimum deposit for all ages.

Temporary Life Plans - Term Insurance

Annual Renewable Term - (age 18-65) Cheap term insurance coverage premiums increase annually. Guaranteed Renewable & Convertible to age 65- $25,000 minimum face amount

5, 10, 15, 20 Year Level Terms- (ages 18-65) Level term premiums and coverage for 5-20 years. Guaranteed Renewable & Convertible to age 65- $100,000 minimum face amount

5 Year Level Term- Level premiums for 5 years. Guaranteed Convertible to age 65- $100,000 minimum face amount

Decreasing Term Insurance- (ages 18-65) Decreasing death benefits with level premiums, dividends may be paid. Convertible to the earlier of either age 65 or expire date

Life Insurance Riders

Disability Waiver- Pays the premiums in the event of disability

Guaranteed Purchase Option- Allows for guaranteed future insurability. Coverage may be increased by the original face amount when the insured gets married, had their first child, at ages 25, 28, 31, 34, 37, 40 (6 times max)

Double Indemnity- Increases the face amount of the policy on accidental death up to the face amount of the base policy.

Spouse Term Rider- Coverage on the spouse of the insured

Family Insurance Rider- Provides death benefits for spouse and children in one plan rider. Convertible

Children's Term Rider- Coverage on the child of an insured. May be converted to age 26

Payor Death + Disability Rider- Waives premiums on a juvenile policy in the event of death or disability of the member. Waiver continues until the juvenile reaches age 25 or the policy is paid up.

Income Protection Rider- Provides monthly income to survivors in addition to the death benefit of the base plan. The rider may be converted up to it's face amount at the time of conversion.

Decreasing Term Rider- Provides decreasing term insurance

Level Term Rider- provides term insurance coverage

Beneficiary's Guaranteed purchase option- Guarantees insurability under a KofC policy for the beneficiary under a members insurance plan upon his death.

Long Term Care Insurance

Comprehensive - At home or nursing home care

Nursing Home Only- Nursing home only coverage

KofC Annuities* - Guaranteed deposits & interest rates

There are two basic types of KofC Annuities, both are aimed at growing your principal at competitive rates.

1. The Vantage Single Premium (minimum $25,000 deposit) For retirement plan rollovers

2. The Flexible Premium Annuity (minimum $300 deposit) For wealth accumulation

Traditional IRA- Tax deductible premiums/tax deferred growth/ Taxable distributions

Roth IRA- Taxable premiums/Tax deferred growth/potentially nontaxable distributions

Simplified Employee Pension Plans- Simple to establish and operate. Tax deductible to the employer & the employee, funds grow on a tax deferred basis

Keogh Plans - Tax qualified retirement plan for the self employed.

TSA-403b Plans- Retirement plans for teaches and 501(c)(3) orgs.

Non-Qualified Plans

*Surrender Penalties Apply check with Todd for more information*