Single premium whole life. Classic Single Premium Life. Providing lifelong insurance protection with a single payment

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1 Single premium whole life Classic Single Premium Life Providing lifelong insurance protection with a single payment

2 Classic Single Premium Life Leaving a lasting legacy through financial support is something that many of us hope to do. National Mutual Benefit s Classic Single Premium Life insurance can help simplify this process. Whether you wish to leave money to your heirs or favorite charity after you are gone, or provide a child or grandchild with the valuable gift of life insurance protection while you are still living, Classic Single Premium Life may be the right choice for you. The features of this policy make it a ideal for those who have a lump sum of money to contribute and are looking for an alternative to regular payments. Make sure your legacy is preserved and apply for a Classic Single Premium Life policy today.

3 Whole Life Insurance Whole life insurance is a type of permanent life insurance that, when properly funded, guarantees the full death benefit and accumulates cash value. Participating policies also provide options for receiving dividends. Classic Single Premium Life is a participating single premium whole life insurance policy. Unlike many life insurance policies that are funded by a monthly or annual premium, this policy is purchased by making one lump payment that lasts for the entire life of the policy. NMB s Classic Single Premium Life insurance is available up to age 85 with a minimum policy amount of $25,000.

4 Guaranteed Death Benefit One of the benefits of a whole life policy is the guarantee that the full death benefit amount you purchased will be available for your beneficiaries when you die this is not necessarily true of other types of life insurance. Additionally, the money is passed to your beneficiaries free of income taxes*, which may not be the case with a different type of account. Guaranteed Cash Values Cash values are guaranteed to grow tax-deferred each year. You may take a loan against your cash value at any time, as long as your policy has a loan value. Interest will be charged on a policy loan. You can repay all or part of the policy loan at any time. Any outstanding loans and interest will reduce the death benefit and cash surrender value. Dividends This policy is eligible for dividends a return of premium based on the favorable experience of the company. Dividends can be paid out in cash, left in the policy to earn interest, or be used to purchase additional paid-up life insurance coverage. Although dividends are not guaranteed, they are generally declared annually and credited to the policy on its anniversary date. Living Benefit Rider The Living Benefit Rider can be a valuable enhancement to your life insurance policy. In the event of a dire health situation, this rider allows for the advancement of funds from your policy while you are still alive. It can be added to a qualified policy at no additional cost. The Gift of Life Insurance This type of policy is also ideal for those who are looking to provide a lifelong gift to a child or grandchild. Classic Single Premium Life insurance gives you the opportunity to provide a loved one with a lifetime of insurability, which can carry them into adulthood and beyond. The policy s cash value may be available for purchases such as: education, home improvements, retirement, or if an emergency like unemployment or disability occurs. Classic Single Premium Life will be an enduring reminder that you care about his or her future. *According to current tax laws, IRC Sections 101 & For Minnesota residents, Minnesota Statutes Section , Subd. 19. Guarantees are backed by the financial strength and claims paying ability of National Mutual Benefit.

5 National Mutual Benefit People Helping People in Time of Need Established in 1902, National Mutual Benefit is a fraternal life insurance society that has a proud history of helping others. NMB provides individuals, families, and businesses with financial security through competitive life and disability income insurance programs and annuities. As a fraternal organization, we also provide our members with extra protection and security through our fraternal benefits at no additional cost. When you become a member of NMB, you have access to many opportunities and programs that can improve the quality of your life and the lives of those around you. Our members share a common bond and desire to strengthen families, improve communities, and assist others. Through local fraternal chapters, members work to make these goals a reality in a variety of different ways. A few examples include: Benefit fundraisers for individuals and families American flag donations to local non-profits Park and highway cleanups Blood and food drives Assisting seniors This brochure is an outline of benefits only and not a contract. Refer to the policy Form 0508 for exact terms and conditions. Questions on specific matters relating to your financial situation are best answered by your own accountant or attorney. Form 3511