Whole Life

Insurance Options

Achieving
Financial Security
with Whole Life
Insurance
S77-079

Choose from Five Policies

Executive Whole Life
u
Provides

life insurance protection for

the rest of your life

u
Make

equal premium payments up to age 95

u
The

younger you are, the lower your premiums

will be, and the more years youll have to
accumulate value

At COUNTRY Financial, we
understand that one size
does not fit all when it comes

20-Pay Life
u
Make

20 equal payments and have guaranteed

paid-up protection

u
Continues

good choice if you want to make premium

payments during working years with no further
payments after you retire

to life insurance. Thats why

we offer several different types
of whole life policies. You can
also select from a variety of
optional coverages to customize

to increase in value over time

u
A

10-Pay Life
u
Life-long

protection paid for in 10 years

u
Can

help you transfer part of your estate to your

children or grandchildren

u
A

good choice to help with your business

continuation needs if you own a business

Life Paid-Up at 65
u
Make

equal payments until age 65, when you

will have a paid-up policy for the rest of your life

your policy to meet your familys

u
An

financial security goals.

Single Premium Whole Life

excellent way to help plan for your retirement

years

u
Make

a lump sum payment and have a

paid-up policy

u
Can

be given as a gift to a grandchild

u
Continues

to increase in value, but you will

usually pay no income tax on the accumulation1

u
Great

way to transfer tax-advantaged money to

the next generation

COUNTRY and our representatives cannot give tax advice. Any

information we provide reflects our understanding of current
tax laws, which are subject to change and reinterpretation.

Note: The Guaranteed Insurability option is the

only option available on the Single Premium
Whole Life policy.

Child Term Insurance

This optional rider guarantees your childrens
insurability and provides up to $25,000 of term
life insurance for all of your children ages 0-17.
Coverage expires at age 23, and each child
can convert the coverage to the same amount
of whole life insurance prior to age 23, without
evidence of insurability.

Term Insurance for You

or Your Spouse
Adding optional 10, 20 or 30-year term
insurance to your whole life policy is an
economical way to provide additional life
insurance for you or to add coverage for your
spouse. The term policy can be converted
later to a whole life policy without evidence of
insurability (as long as the conversion is made
during the level-premium period and before
age 65).

Accelerated Benefit Endorsement

With this endorsement, you can use up to
50 percent of the policys death benefit
while youre living if youre terminally ill,
and still provide a reduced death benefit
for your loved ones.

Disability Waiver of Premium 260

If you become totally disabled prior to age
60, we will waive your whole life premiums for
up to two years if you cant work in your own
occupation. After two years, we will continue
to waive the premiums until you reach age
95, as long as you are unable to work in any
occupation because of your disability.

Special Tenants Coverage

The Keeperh

Optional Whole Life Insurance

Benefits (at additional cost):

Disability Waiver of Premium 565

If you become totally disabled prior to age
65, we will waive your whole life premiums for
up to five years if you cant work in your own
occupation. After five years, we will continue
to waive the premiums until you reach age
95, as long as you are unable to work in any
occupation because of your disability.

Guaranteed Insurability
This option guarantees you the right to increase
the amount of your life insurance protection
within specified limits every three years,
beginning at age 22 through age 43, regardless
of your health.

Accidental Death Benefit

If you select this option, a specified amount
will be paid if you die as a result of an accident
prior to age 70.

Paid Up Additions Rider

This rider provides the opportunity to purchase
additional paid-up whole life insurance with a
single premium.

Long Term Care Accelerated

Benefit Rider*

Having a life insurance plan in place is

If you are chronically ill**, this optional

insurance rider will pay a monthly benefit
while you need it. The total amount available
for Long Term Care is equal to the original
death benefit amount of the whole life
insurance policy. Each monthly payment will
reduce the amount available for a death
benefit. Or, if you dont require Long Term Care,
you can leave money to your loved ones.

picture. Your financial representative,

an important part of your overall financial

backed by a team of experts, will work
one-on-one with you to help you reach
your goals.

Benefit Overview
The Long Term Care benefit has a range
of options available to suit your needs and
budget. Whether you use this insurance
rider as your main source of Long Term Care
coverage or as a supplement to an existing
Long Term Care policy, youll find this is
an economical way to get Long Term Care
coverage and still have life insurance.
If you purchase a life
policy with a death
benefit amount of

You can choose monthly Long

Term Care payments within the
following range

Form Number

Whole Life Policy

ICC13(WL)

Single Premium Whole Life

ICC13(WLSP)

Accelerated Benefit

AB(12/04); in OR, AB(OR12/04)

Term Life Insurance:

Spouse Rider

ICC13(TLIS)
ICC13(TLII)

50,000

$ 1,000 - $ 4,000

Term Life Insurance:

Insured Rider

$ 100,000

$ 1,000 - $ 8,000

Child Term Rider

ICC13(CR5000)

$ 250,000

$ 2,500 - $10,000

Accidental Death Option

ADB(13)

$ 500,000

$ 5,000 - $10,000

$1,000,000

$10,000

Payor Death Waiver

of Premium Rider

ICC13(PDO)

Disability Waiver
of Premium Benefit

DWP260(13), ICC13(DWP565)

The Long Term Care optional insurance rider is

available on the following whole life policies at
the time of issue:
10-Pay Life
P
20-Pay Life
P
Life Paid Up at 65
P
Single Premium Whole Life
P
Executive Whole Life
P
*Not available in Minnesota. This option is called the
Chronic Care Accelerated Benefit in Oregon.

Description

**You must be certified by a licensed healthcare

practitioner as being chronically ill.

Paid-Up Life Insurance Rider ICC13(PUAR)

Guaranteed Insurance
Option Rider

ICC13(GIO)

Long Term Care Rider

In OR: CCAB(OR13), WPRLIB(OR13),
RLIB(OR13)

In TN: LTCAB(TN03/06), RLIB(03/06),
WPRLIB(03/06)

This flyer briefly describes the options available on the

This pamphlet briefly describes the options available on the
ExecutiveWhole
WholeLife,
Life,10-Pay
10-PayLife,
Life,20-Pay
20-PayLife,
Life,Life
LifePaid-Up
PaidExecutive
at
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Single
Premium
Whole
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policies
UpAge
at Age
65 and
Single
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Whole
Life insurance
issued by COUNTRY Life Insurance Company and is not
policies issued by COUNTRY Life Insurance Company and
a statement of contract. For a complete description of all
is not a statement
contract.and
Forlimitations,
a completeand
description
coverages,
options, of
exclusions
the terms
under
which the policies
be continued
in force, please
of all coverages,
options,may
exclusions
and limitations,
and
refer to the policies, or call your financial representative.
the terms under which the policies may be continued in
The
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not provide
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the policies,
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yourwill
financial
benefits for any care or services which: (1) result from an
representative.
act of war; (2) result from participation in a felony, riot, or
insurrection; (3) are provided at no charge in the absence
of insurance; (4) result directly or indirectly from attempted
suicide or intentionally self-inflicted injury while sane or
insane; (5) are received while outside the United States
of America or its territories or possessions; (6) are due to
mental or nervous disorders without evidence of organic
disease. The policy does provide benefits for treatment of
Alzheimers disease, senile dementia, other organic brain
syndromes or other types of senility diseases; (7) result from
alcoholism or drug addiction; (8) are provided by a family
member; (9) are payable under a workers compensation,
occupational disease or employers liability law; (10) are
provided by or in a Veterans Administration or federal
government facility. This limitation does not apply where a
liability exists for charges made to or on your behalf; or (11)
are available under Medicare or other governmental programs
(except Medicaid) or would be so reimbursable but for the
application of a deductible or coinsurance amount.
Coordination with Medicare: We will not pay benefits for
services for which benefits are payable by Medicare (including
amounts that would be reimbursable but for the application
of a deductible or coinsurance amount); except that this
provision shall not apply to expenses payable under Medicare
only as a secondary payor.
Exclusions may vary by state.
If you would like more information on long term care
insurance from your states senior insurance counseling
program, see your financial representative for the programs
contact information.

www.countr yfinancial.com

COUNTRY Life Insurance Company

PO Box 2000, Bloomington, IL
61702-2000

S77-079-04 (09/13)
2013 CC Services, Inc.