ATTENTION! ATTENTION! ATTENTION! B BURIAL LIFE INSURANCE POLICY

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1 ATTENTION! ATTENTION! ATTENTION! B BURIAL LIFE INSURANCE POLICY Marketed By: Underwritten By: Catchings Insurance Agency Transamerica Life Insurance Company 945 North State Street Home Office: Cedar Rapids, IA P. O. Box 2509 Sales Office: 1400 Centerview Dr Little Rock, AR FEATURES Whole Life Insurance Policy Form No. WL Rider Form No. ARCR0500(may vary by state) Premiums may be as low as $3.00 PER WEEK No Physical Examination Required (Issuance of policy depends on answers to health questions) Coverage Begins The Date Application and Payroll Deduction Card Is Signed (Provided that applicants are insurable and acceptable under the company s underwriting rules and the effective date of coverage is within 90 days of the enrollment period. If the effective date of coverage exceeds 90 days, insurance coverage does not become effective until the policy effective/issue date.) Coverage Available for Employee, Spouse, Children AND GRANDCHILDREN (through optional Children s Insurance Benefit Rider) Policy Cannot Be Cancelled By The Insurance Company, Except for Non-Payment of Premiums Premiums Are Guaranteed and Cannot Be Increased For More Information Please Call: CATCHINGS INSURANCE AGENCY at (601)

2 THE CATCHINGS AGENCY Burial Life Insurance Policy (Policy Form WL Policy forms and numbers may vary and products may not be available in all jurisdictions.) A whole life insurance policy underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, IA The is an independent contractor representing Transamerica Life Insurance Company NOL /08 1

3 THE CATCHINGS AGENCY Our Service Philosophy Our mission is to provide customer service which is professional, courteous, accurate and timely. The reason we are here is because of you. We treat people with dignity and respect. We listen and understand our customers. We deliver quality products and service. We are no more than a phone call away. Our team of professionals is unmatched. Simply put, our staff is second to none in skills and training. We resolve to be the very best. The Catchings Insurance Agency has rapidly established itself as a leader in our market. We deliver what most competitors promise. 2

4 THE CATCHINGS AGENCY The Catchings Insurance Agency, located at 945 North State Street in Jackson, Mississippi 39207, offers a panoramic view of insurance benefits and is ranked high nationally among the companies it represents. The chief objective of the agency is to serve and service the insurance needs of all people. There are numerous avenues by which these needs may be met. Among these are individual and/or group plans in Term Life, Burial, Dental, Cancer, Vision, Critical Illness, Disability (Short and Long Term), Accident, Section 125 Plans (Cafeteria Plans). However, the main thrust of the agency is selling Burial Insurance. The represents a number of companies, including Humana/CompBenefits, Sun Life Financial, Principal Financial Group, United American, Provident, United Healthcare, and The Hartford, to mention a few. The primary underwriting company of the Catchings Agency is Transamerica Life Insurance Company, Home Office: Cedar Rapids, Iowa. The is fully staffed and equipped to service the insurance needs of any group. The agency presently serves a broad spectrum of people many individually and many more through group coverage throughout the state and nation. Let it be known, the is the last word in first-class service. 3

5 THE CATCHINGS AGENCY Burial Life Insurance Policy (Policy Form WL Policy forms and numbers may vary and products may not be available in all jurisdictions.) Consider These Outstanding Features and Benefits Premiums may be as low as $3.00 PER WEEK No Physical Examination Required (Issuance of policy depends on answers to health questions) Coverage Begins The Date Application and Payroll Deduction Is Signed (Provided that applicants are insurable and acceptable under the company s underwriting rules and the effective date of coverage is within 90 days of enrollment period. If the effective date of coverage exceeds 90 days, insurance coverage does not become effective until the policy effective/issue date.) Coverage Available for Employee*, Spouse, Children** and Grandchildren** Policy Cannot Be Cancelled By the Insurance Company Except For Non-Payment of Premiums Premiums Are Guaranteed and Cannot Be Increased *Employees working 30 hours or more each week qualify **Children/Grandchildren under the age of 18 or full time students to age 25 A whole life insurance policy underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, IA 4

6 QUESTIONS & ANSWERS Can I insure children with a basic cash value policy? Yes! If you have children who are under age 25, you may purchase a separate policy for them. Can I increase my coverage at a later date? You may apply for additional coverage, whenever your Transamerica Life Insurance Company Representative makes a regular service call at your place of employment. Is the Burial Program Group Life Insurance? No! Each insured is covered by a permanent life insurance policy and receives and individual policy. Does this Policy replace my present Group Life Insurance? No! It supplements any coverage you presently have and since it is your policy, it is portable and not subject to the group conversion requirements. Is a physical examination required? No! Physical examinations are not required, eligibility will be determined on the basis of the answers to the questions contained in the application. Coverage for the spouse and children is available providing they are not currently disabled or confined to a hospital. 5

7 Why Have Burial Insurance? There is a definite need for life insurance. Life insurance is a gift of love and concern for those loved ones left behind. Money will be needed to complete educations, feed, clothe, and provide shelter for survivors. The Burial Insurance is just as it states, it s for burial purposes of the deceased. There is a definite need for both products. There are times when extremely large life insurance policies may not need to got to the funeral home. In most cases, some type of collateral is needed before funeral arrangements may be made. With term insurance, the individual may simply outlive the policy. It may become too costly to keep, for the premiums will go up. Your employees will not generate any cash value with term coverage. They may pay premiums for years and never see any of the benefits. With this in mind, we are not competing with or replacing the life insurance coverage that you are currently offering your employees. We simply want to add our Burial Plan to the benefits that you have available for your employees. Our burial plan is a pre-paid, economical, permanent plan. When an individual leaves your employment, for whatever reason, his or her benefits will remain in effect with no change in face the amount or premium. The premium is guaranteed not to increase and the death benefit is guaranteed to remain the same. Not only will your employees be covered, they may have family coverage, including grandchildren if desired. With this information, hopefully you will see the need for good, quality, and economical burial coverage for your employees. 6

8 Funeral Service Prices Prices of services, including the casket and the following services, do not include cost of cemetery charges, clothing, flowers, and Vault. Theses prices are quoted for services rendered within a fifty (50) mile radius of Jackson, MS as of August 21, 2008 **Prices will vary.** Professional Services of Funeral Home Staff $ Embalming $ Use of Facilities for Viewing $ Use of Facilities for Wake $ Facilities for Funeral $ Cemetery Equipment $ Printing Obituary and Announcement in Newspaper Transfer of Remains to Funeral Home $ $ Hearse Transportation $ Limousine $ Sedan $ Transportation of Flowers $30.00 Register Book, Thank You Cards, Typed Programs $65.00 Concrete Box $ Casket (Rose Quartz) $4, Total Cost of Funeral $8,

9 Available at no cost to your Associates: Prescription Drug Card offered by emdeon TM business services, Nashville TN Memorial Guide compliments of Transamerica Life Insurance Company Funeral Protection Plan TM offered by TributeDirect TM, Texas 8

10 Groups Serviced by The AAP Staff Service, Inc. Aaron Henry Community Health Center Aberdeen School Alcorn State University Amite County Public Attala County School Holly Springs School Dist Holmes County School Holmes/Humphreys Regional CF Humphreys County Public Indianola School Institute of Community Service MS State Medicaid Office MS Valley State University Montgomery County School Moss Point School Mound Bayou Public Natchez/Adams School Beacon Center Issaquena County CF North Bolivar Public Bolivar County Head Start Brookhaven School Jackson Medical Mall Jackson Public Transportation North Panola School Noxubee County School Canton Public Jackson State University Oktibbeha County Carroll/Montgomery CF Chickasaw County School City of Canton City of Jackson City of Port Gibson Jefferson County School Jefferson County Hospital Jefferson Comprehensive Health Center Jefferson County Sheriff s Department Jefferson Davis School Oxford School Pass Christian School Pearl Public Picayune School Pinebelt Association 9

11 Groups Serviced by The City of Hattiesburg City of Yazoo City Claiborne County Hospital Claiborne County School Clarksdale Municipal School Coahoma Opportunities Coahoma Community College Coahoma County School Coffeeville School Copiah County Public Jefferson/Franklin County CF Kemper County School Kid s University Knights of Peter Claver Laurel School LeFlore County Public Leland School Lextron Corporation Marshall County Meridian Public School Pineywoods Country-Life Rankin County School Saints Academy St. Dominic Health Services Shaw School Singing River Education Association South Delta School South Pike School Starkville Public Sunflower County School Delta Healthcare, Inc. MDL/UTILICON Total Healthcare Drew School Durant Public School East Jasper School Farish Street Baptist Church Mid-Delta Health Systems MS Action for Progress MS Baptist Health Services MS Department of Corrections Tougaloo College University of Ms Medical Center Vicksburg-Warren Public Washington County Head Start 10

12 Groups Serviced by The Five County Head Start MS Department of Education West Bolivar School Franklin County School MS Department of Finance and Administration West Jasper School Friends of Children of MS MS Department of Health West Point School G.A. Carmichael Family Health Center Greenwood Public School Greenville School MS Department of Human Services MS Department of Mental Health MS Department of Public Safety West Tallahatchie School Wilkinson County School Winston/Choctaw County CF Hattiesburg Public MS School for the Blind Wright s Security Services Hazlehurst City MS School for the Deaf Yazoo City Municipal Hinds Community College Hinds County Public Hollandale School MS Department of Wildlife, Fisheries, and Parks MS Secretary of State s Office MS State Auditor s Office 11

13 CONTACT INFORMATION FOR ADDITIONAL INFORMATION PLEASE CONTACT HOWARD CATCHINGS JOYCE HUGHES 945 NORTH STATE STREET P.O. BOX 2509 JACKSON, MS FAX 12