Straightforward, assured life insurance that keeps pace with your life life WASHINGTON NATIONAL assuresm LA-BR
Life insurance to age 98 without lifelong premiums Washington National Life Assure SM offers you affordable term life protection that evolves with your changing needs during your working years and into retirement. DURING YOUR WORKING YEARS A guaranteed level premium with a HIGH DEATH BENEFIT protects you when you need coverage the most. INTO RETIREMENT At age 65, when you likely have less disposable income, your life insurance can convert to a lower death benefit WITH NO MORE PREMIUMS DUE. DURING YOUR WORKING YEARS INTO RETIREMENT Affordable guaranteed level premiums with a high death benefit during your working years DEATH BENEFIT AMOUNT A lower death benefit into retirement with NO MORE PREMIUMS DUE 8 65 98
Coverage choices Death benefit amount $0,000 $50,000 Term To-age-65 level-premium term, continued into retirement with a lower death benefit OR alternative 5-year level-premium term 50% Return of Premium (ROP) feature When you choose coverage with the optional 50% ROP feature, at age 65 you can convert your cash value to a lower death benefit with no more premiums due. You also can choose coverage without the ROP feature. The lower rate is guaranteed for the level-premium term period. At age 65, 5 you can continue your death benefit to age 98 by paying the annual renewable term rate. CASH VALUE OPTIONS At age 65, your policy s cash value can be converted to a lower death benefit with no more premiums due. You can also: Use your cash value to extend your base policy. Receive a check for your full cash value and pay the annual renewable term rates up to age 98. End your coverage at any time to access the current cash value. 4 Options to increase your protection These optional riders, available at an additional cost, are subject to state availability. FREE! Accelerated Benefits for Terminal Illness rider Critical Illness rider Total and Permanent Disability Benefits Waiver of Premium rider Accidental Death Benefit rider Children s Term Insurance rider This rider advances up to 50% of your policy s death benefit if you are diagnosed as terminally ill. The amount not advanced is payable upon death. There is no premium charge for this rider. It is issued automatically with your base policy. This $5,000 benefit is payable when you are first diagnosed 6 with cancer (except skin cancer), heart attack, stroke or end-stage renal failure. The benefit has a 0-day waiting period, is payable one time and does not reduce your death benefit. This rider waives policy and rider premiums if you become totally, permanently disabled. The waiver period is six months after you become totally, permanently disabled until you recover or reach age 60. This rider doubles the death benefit up to $50,000 if you die as the result of a covered accident on the road, at work or at home. With this rider, you can select $0,000 term life insurance coverage for each of your eligible children. The lower death benefit and no more premium due option is available only when you select the 50% ROP feature and choose to convert your cash value to a lower death benefit at age 65 (or in policy year 5 if you choose the 5-year level-premium option). Once you convert your cash value to the lower death benefit, you cannot reverse it after that option is in effect. The available face amount varies by age. The ROP feature gives you 50% of your eligible paid premiums at the end of your selected term. Eligible premiums do not include premiums for riders and waived premiums. 4 Ending your coverage before the end of the level-premium term will result in a premium return of less than 50% of paid premiums. 5 The level-premium period is to age 65 or 5 years, whichever you select. 6 In South Dakota, first diagnosed does not apply.
Choose your life insurance with confidence AFFORDABILITY Your policy offers high benefits and economical premiums with a variety of options to meet your budget. Your death benefit is paid to beneficiaries income-tax free when you pass away. PROTECTION Your coverage can go to age 65 and beyond, to protect you and your family throughout your working years and into retirement. CASH VALUE Your policy can accumulate cash value over time. You can access any accumulated cash value at any time by surrendering your policy and riders. RATE STABILITY Your rates are guaranteed not to increase prior to age 65. At age 65 and into retirement, your premium payments end, and your coverage converts to a lower death benefit. OWNERSHIP Your policy is portable and always belongs to you. You can keep it if you change jobs or retire. The death benefit is income-tax free in most cases, unless a transfer-for-value is made. Consult your own tax or legal counsel. The level-premium period is to age 65 or 5 years, whichever you select. The lower death benefit and no more premium due option is available only when you select the 50% ROP feature and choose to convert your cash value to a lower death benefit at age 65 (or in policy year 5 if you choose the 5-year level-premium option). Once you convert your cash value to the lower death benefit, you cannot reverse it after that option is in effect. 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. Policy forms (may vary by state): WNIC-00R and WNIC-00R WNIC-000 and WNIC-00 Rider series (may vary by state): Accelerated Benefits for Terminal Illness rider: WNIC-609 Accidental Death Benefit rider: WNIC-606 Children s Term Insurance rider: WNIC-600 Critical Illness rider: WNIC-60 Total and Permanent Disability Benefits Waiver of Premium rider: WNIC-60 Washington National Insurance Company Home Office 85 N. Pennsylvania Street Carmel, IN 460 WashingtonNational.com 0 Washington National (/) 4945 LA-BR
life WASHINGTON NATIONAL assuresm Why Washington National Life Assure? Sales features Life Assure is straightforward, assured term life insurance that keeps pace with your clients life. During the working years. When clients need coverage the most, Life Assure offers a guaranteed level premium with a high death benefit. Into retirement. At age 65 and beyond, when your clients likely have less disposable income, Life Assure can convert to a lower death benefit payable to age 98 with no more premiums due. Noninvasive underwriting results in fast issuance. Unisex premiums begin at $4 per week. Guarantee-issue option is available for worksite business. Coverage is portable. Critical Illness rider s $5,000 lump-sum benefit does not reduce the policy face amount. Life Assure can be sold in the individual and worksite markets. Death benefit is paid income-tax-free to heirs. 4 Return of Premium option is available. 5 Level-premium term periods To-age-65 level-premium term, issue ages 8 55 OR Alternative 5-year level-premium term, issue ages 8 65 Face amounts 6 $0,000 $50,000 One FREE rider 5 added automatically to every policy at no cost! Optional riders 7 for increased protection Accelerated Benefits for Terminal Illness rider (WNIC-609) advances up to 50% of the policy face amount if the insured becomes terminally ill. Critical Illness rider (WNIC-60) pays a $5,000 lump-sum benefit if the insured is diagnosed with a heart attack, stroke, cancer or end-stage renal failure. Children s Term Insurance rider (WNIC-600) provides level-term coverage of $0,000 for each of the insured s eligible children. Total and Permanent Disability Benefits Waiver of Premium rider (WNIC-60) waives policy premiums after the insured has been totally and permanently disabled for six months. Accidental Death Benefit rider (WNIC-606) pays an additional benefit equal to the policy face amount, up to $50,000, if the insured dies from a covered accident. Sales materials are available to download or order at wnbizlink.com. This renewable term product is underwritten by Washington National Insurance Company (home office: Carmel, IN). Policy forms WNIC-000, WNIC- 00R, WNIC-00 and WNIC 00R are available in most states, subject to underwriting. The lower death benefit and no more premium due option is available only when your clients select the 50% Return of Premium feature and choose to convert their cash value to a lower death benefit at age 65 (or in policy year 5 if they choose the 5-year level-premium option). Once a client converts their cash value to the lower death benefit, they cannot reverse it once that option is in effect. Guarantee-issue underwriting is subject to participation requirements. 4 Tax benefits are available in most cases, unless a transfer-for-value is made. Individuals should consult their own tax or legal counsel. 5 Subject to state availability. 6 The available face amount varies by age. 7 These riders are subject to underwriting and state availability. For agent information only. This material should not be distributed to the public or used in any solicitation. 0 Washington National (/) 494 LA-FS-AGT