Working hard to protect the best things in life. termlifeplussm. washington national. term life insurance TL-BR

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1 Working hard to protect the best things in life TL-BR washington national termlifeplussm term life insurance

2 Who s counting on you? When you have a family, you have a special purpose: to provide and protect. You work hard every day to ensure that their needs are met. Think about this... Without your income, would your loved ones have the resources to cover ongoing household expenses and save for future needs? It can be challenging to look past today s financial pressures to prepare for the future. But the best things in life are worth protecting. DO YOU HAVE A: Mortgage, student loans or other debt? Spouse, children or others who rely on you for financial support? Plan for your final wishes? Family history of cancer or other critical illnesses? Concern that you ll pass away prematurely? High-deductible health plan? Washington National Term Life Plus SM is a solution Our simple, affordable term life insurance offers protection while you re working hard to provide for your family. When you choose Washington National Term Life Plus, you pay an economical premium for the term you select. If you pass away during that time, your policy s face amount is paid to your beneficiaries income-tax free. Having term life insurance throughout your working years is an ideal way to protect your family today and provide for their future. Your family is counting on you, and you can count on Washington National Term Life Plus. In most cases, unless a transfer-for-value is made. Consult your own tax or legal counsel.

3 Choose your base coverage. Coverage options: You Spouse Term options: 5 years or To age 65 Choose the optional Return of Premium benefit. How Washington National Term Life Plus works for you Two level-premium term options are available: 5 year for those who prefer short-term coverage, or to age 65 for coverage throughout your working years. With the Return of Premium option, you can get back 50% of your eligible paid premiums at the end of the level-premium term period. You can use this benefit to select reduced paid-up insurance or extend your term life insurance. You also can take the benefit in cash. 2 Choose a face amount from $0,000 to $250, $ 3 Increase your protection with four optional riders. 3 Beyond the basic benefits of term insurance, Washington National Term Life Plus offers an array of optional riders. Add one or more of these riders to enhance your coverage. Critical Illness rider $3,000 Total and Permanent Disability Benefits Waiver of Premium rider Accidental Death Benefit rider 00% of the face amount up to $50,000 Children s Term Insurance rider $0,000 Today, more people are surviving common critical illnesses, but the necessary medical care comes at a price. This rider s $3,000 benefit is payable when you are first diagnosed 4 with cancer (except skin cancer), heart attack, stroke or end-stage renal failure and you provide proof of the diagnosis. The benefit is payable one time and has a 30-day waiting period. The cash benefit can help you pay any of the out-of-pocket costs of your illness. Because this benefit does not reduce your face amount, it helps preserve the death benefit making the full face amount available upon death. With this rider, the premiums for your term policy and riders are waived if you become totally and permanently disabled. The Waiver of Premium rider keeps your life insurance from lapsing during a disability period, so you can focus on your health. Premiums are waived six months after you become totally and permanently disabled until you recover or reach age 60. The rider pays an additional benefit on top of your policy s face amount if you die as the result of a covered accident. This benefit is equal to your policy s face amount, up to $50,000. The additional amount is payable if you die from a covered accident on the road, at work or at home. With this rider, you extend term insurance coverage to all your eligible children. The benefit can be used to pay funeral costs, medical bills or any other expenses. 4 Enhance your coverage with one FREE rider. 3 FREE Accelerated Benefits rider This rider provides up to a 50% advance of your policy s face amount if you are diagnosed as terminally ill. The amount not advanced is payable upon death. You may use the accelerated benefits to provide for medical care, arrange for final expenses or however else you see fit. The rider provides some measure of peace at a very stressful time. There is no premium charge for this rider. It is issued automatically with your base policy. Eligible premiums do not include premiums for riders or waived premiums. Return of Premium is part of the base policy and cannot be removed after issue. If you end your coverage early, your total return is based on a scheduled percentage of eligible premiums. 2 The face amount availabilty varies by age. 3 There is an additional cost for these optional riders. 4 In South Dakota, first diagnosed is not applicable.

4 National s for you -term coverage, or to age 65 premiums at the end of the surance or extend your term optional riders. edical care comes at a price. (except skin cancer), heart The benefit is payable one time ut-of-pocket costs of your illness. ath benefit making the full face ecome totally and permanently ring a disability period, so you tally and permanently disabled ie as the result of a covered dditional amount is payable if you Take a closer look at TWO innovative features: 2 To-age-65 term Your need for life insurance is greatest during your working years, and your needs typically decrease as you near retirement. With our to-age-65 term, you and your family are covered through the most vulnerable time of your life, when you re working hard to: Raise and support your family. Finance a home. Pay off student loans and other debts. Save for the future. Critical Illness rider Critical illnesses affect more people than you might think: -in-2 men and -in-3 women are at risk of developing cancer in their lifetime. About 8 million Americans have cardiovascular disease today. 2 Someone suffers a stroke every 40 seconds in the U.S. 3 To help protect you from financial hardships following a critical illness diagnosis, we offer a rider that: Pays you a $3000 lump-sum cash benefit if you re diagnosed with certain critical illnesses. Can be used to help pay your medical deductibles and copayments when you re receiving treatment. Does not reduce the policy s death benefit when paid. A great option for those with high-deductible health plans. American Cancer Society, Cancer Facts & Figures 200, pg.. 2 American Heart Association, Heart Disease and Stroke Statistics 200 Update, pg. 6.; 3 Ibid., pg. 4. The above facts represent the U.S. population, are provided for information only and do not imply coverage under the policy or endorsement of the company or policy by the people and organizations listed. The benefit can be used to pay nosed as terminally ill. The amount vide for medical care, arrange for eace at a very stressful time. r base policy. ase policy and cannot be premiums.

5 Rider series (may vary by state) Accelerated Benefits rider: WN Accidental Death Benefit rider Children s Term Insurance rid Critical Illness rider: WNIC-60 Total and Permanent Disabilit ADVANTAGES OF WASHINGTON NATIONAL TERM LIFE PLUS Affordability: High benefits and economical premiums combine to suit most budgets. Flexibility: Choose from two level-premium term periods, multiple face amounts and four optional riders. Protection: The to-age-65 term can cover you throughout your working years. Innovation: The unique Critical Illness rider offers a lump-sum benefit if you re diagnosed with cancer, heart attack, stroke or end-stage renal failure so you can get help with medical bills and copays. This rider does not deduct from the policy s death benefit. Assurance: With the Return of Premium option, you can get back up to 50% of your eligible premiums and use the funds to buy paid-up coverage, extend your term policy or increase your personal savings. Portability: Your coverage belongs to you. You can keep your policy if you change jobs or retire. Insurers and their representativ written to support the sales, ma Based upon individuals particu and duly licensed independent t avoiding any tax or tax penalty Statements regarding taxation a understanding of the law in effe or abolished. You should rely up changes on your own circumsta Policy forms (may vary by state WNIC-300R and WNIC-300 WNIC-3000 and WNIC-3002 Washington National Insu Home Office 825 N. Pennsylvania Street Carmel, IN WashingtonNational.com 20 Washington National (06/) TL-BR

6 Insurers and their representatives are not permitted by law to offer tax or legal advice. The general information here was written to support the sales, marketing or service of insurance policies offered by Washington National Insurance Company. Based upon individuals particular circumstances and objectives, they should seek specific advice from their own qualified and duly licensed independent tax or legal advisers. No one may rely upon or use the information here for the purpose of avoiding any tax or tax penalty that may be imposed by the Internal Revenue Code or other applicable law. Statements regarding taxation are made for general and informational purposes only. Such statements are based on our understanding of the law in effect at the time this material was published. Present tax laws may be altered, amended or abolished. You should rely upon your own independent tax or legal counsel to advise you as to the effects of any such changes on your own circumstances and objectives. Policy forms (may vary by state): WNIC-300R and WNIC-3003R WNIC-3000 and WNIC-3002 Rider series (may vary by state): Accelerated Benefits rider: WNIC-609 Accidental Death Benefit rider: WNIC-6026 Children s Term Insurance rider: WNIC-6020 Critical Illness rider: WNIC-6022 Total and Permanent Disability Benefits Waiver of Premium rider: WNIC-602 Washington National Insurance Company Home Office 825 N. Pennsylvania Street Carmel, IN WashingtonNational.com 20 Washington National (06/) TL-BR