WHOLE LIFE INSURANCE FROm LIbERty NAtIONAL - United ...

WHOLE LIFE INSURANCE
FROM LIBERTY NATIONAL
HELP PROTECT YOUR FAMILY’S FINANCIAL FUTURE
Whole life insurance can help make sure that your family will have money for:
• FINAL EXPENSES
• A MONTHLY INCOME FOR YOUR SURVIVORS
• MORTGAGE OR RENT PAYMENTS
• EDUCATION EXPENSES FOR YOUR CHILDREN
• DEBTS
With Liberty National’s Whole Life, you also have the option to:
• Choose a reduced paid-up amount of insurance based on cash value in your policy.
• Purchase additional insurance on the second and fourth policy anniversaries
without proof of insurability. Available for ages 0 - 55.
3700 S. Stonebridge Drive • McKinney, TX 75070
LNL1730 1014

WITH LIBERTY NATIONAL’S WHOLE LIFE:
You Get: The Benefit To You Is:
Choice of Benefit Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . This plan is available for ages 0 through 70 in amounts of $2,500 and above; for ages 71
through 80 in amounts of $2,500 to $30,000.
Guaranteed Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . The face amount of your insurance will never decrease as you become older. The death
benefit for a child under age 2 months is one-fourth the face amount (not applicable in OK).
Level Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Premiums are guaranteed never to increase. This helps protect you against potentially
higher costs found in other types of policies.
Guaranteed Cash Value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Guaranteed cash values provide you with a safeguard against economic uncertainty.
Paid-Up Insurance Based On Cash Value . . . . . . . . . . . . . . . . . . . You may choose to use the cash value your policy builds to purchase paid-up insurance.
Option To Purchase Additional Insurance . . . . . . . . . . . . . . . . . . . On the second and fourth policy anniversaries you may purchase additional coverage
without evidence of insurability. Each Optional Purchase Amount may be up to the
original face amount, not to exceed $25,000. This benefit is automatically included for
unrated insureds at issue ages 0 - 55.
Terminal Illness Accelerated Death Benefit Rider . . . . . . . . . . . . Automatically included, at no cost, for unrated primary insureds, in approved states.
(Where state approved)
Policyholder may request accelerated payment of 50% of policy death benefit if
insured is diagnosed as having a terminal illness that is expected to cause death within
12 months (24 months in Illinois).
Convenient Automatic Pay Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . Premiums may be deducted automatically from your checking account.
Payment of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Benefits may be paid directly to your beneficiary or may be assigned to the funeral home.
Plus You Can Add These Extra Benefits: ___________________________________________________________________________________________
Accidental Death Benefit (ADB) . . . . . . . . . . . . . . . . . . . . . . . . . . . Ages 1-17 can add an Accidental Death Benefit Rider with a maximum benefit
amount equal to the base face amount of the policy applied for; ages 18-59 can add an
Accidental Death Benefit Rider with a maximum benefit amount of $200,000.
The policy rider pays the ADB amount if the insured’s cause of death is accidental.
The ADB Rider terminates at age 65.
Premium Waiver (PW) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . For an additional premium, you can add a Premium Waiver for ages 0-59. If you
become totally disabled between ages 5 and 60, premiums are waived as long as you
remain disabled for six consecutive months. If you become totally disabled after age 60,
premiums are waived until age 65 as long as disability continues.
Children’s Insurance Rider (CIR). . . . . . . . . . . . . . . . . . . . . . . . . . For an additional premium, term insurance with or without ADB can be added on the
in Amounts of $5,000, $10,000,
life of each child who is under age 19. Coverage on children begins at age 15 days.
$15,000, $20,000, or $25,000
Primary Insured and Spouse Term Riders . . . . . . . . . . . . . . . . . . You can add term life insurance on yourself or your spouse with term riders.
No policy fee is charged on the rider.
If extra benefits are included, this brochure should be used in conjunction with brochure R-3040 which describes supplemental benefits.
This is only a brief description of Liberty National’s Whole Life, form 8039, (form 8039-1, FL), OPAI form 6557, Terminal Illness Accelerated Death
Benefit Rider, form ICC10W, LTAR, Accidental Death Benefit, form 6566 or 6567, Premium Waiver, form 5050, Primary Insured Term Rider, form 9429,
Spouse Term Rider, form 9429S, Children’s Insurance Rider, form 6349 and Children’s Insurance Rider with ADB, form 6350. Please see the policy for
full details, including definitions for accidental death, total disability and the exclusions applicable to these benefits.
Sex ❒ M ❒ F Tobacco User ❒ yes ❒ no
Face Amount $ _________________________________
❒ ADB (maximum of $200,000)
❒ PW
❒ CIR ❒ $5,000 ❒ $10,000 ❒ $15,000 ❒ $20,000 ❒ $25,000
❒ CIR with ADB ❒ $5,000 ❒ $10,000 ❒ $15,000 ❒ $20,000 ❒ $25,000
❒ Primary Insured Term Rider
❒ Spouse Term Rider
❒ Spouse Term Rider with ADB
Agent’s Name ________________________________________
R-3737, Ed. 0311
Mode
Premium $
ADB Premium $
PW Premium $
CIR Premium $
Primary Insured
Term Rider $
Spouse Term Rider $
Total $