Knights of Columbus Insurance

CHAD LUEKEN AGENCY of Southern Indiana
• 142 W. 3rd Street • Jasper, IN, 47546 • Toll Free: 1 (866) 311-KOFC (5632) •

BrotherKnight.com

Permanent Life

20 Payment Life
Provides the same permanent protection as Permanent Life for
those ages 0 - 70, but you pay slightly higher premiums for only 20
years. After that, the policy is paid-up and coverage continues
without additional premiums. This plan is participating and contains
cash values.

Life Paid Up at 65
An economical way to complete your premium payments, while
guaranteeing protection throughout your lifetime. You pay level
premiums that end on the annual contract date nearest your 65th
birthday, but your coverage and cash value continue for the rest of
your life. Available to insureds ages 0-54 in the U.S. (In Canada,
available to men ages 0- 46, women ages 0-47).

Whole Life
Our lowest-cost permanent policy, designed for those ages 0-75
who will need life insurance for many years. Premiums are paid
throughout the lifetime of the insured and remain the same,
regardless of future health. This plan is participation and contains
cash values.

Life insurance is more than protection. It's an essential
component of a sound financial portfolio. Used in
combination with investments, retirement, and estate
planning, life insurance offers unsurpassed financial security
for you and your family. And competitively priced Knights of
Columbus Insurance products are tailored to best fit you
needs, now and in the future.

Insurance Protection From a Name you Know
For More than 125 year, Knights of Columbus has assured the
welfare of its members and their families. Today , we are
recognized as a leading life insurer with a superior insurance
program, offering permanent and term insurance, retirement
annuities and Long Term Care plans.

CHAD LUEKEN AGENCY of Southern Indiana
• 142 W. 3rd Street • Jasper, IN, 47546 • Toll Free: 1 (866) 311-KOFC (5632) •
• Local 812-481-9200 • FAX: 812-481-1500 • Email: chad.lueken@kofc.org

Did YOU know??? The CHAD LUEKEN AGENCY offers YOU over 50 years of professional insurance experience. Did you know??? The Knights of Columbus is one of only five companies that consistently earn the highest ratings for financial strength from A.M. Best and Standard & Poor's, and certified by IMSA for the highest marketplace ethics! Did you know??? Last year the Knights of Columbus paid out $1 Million a day in dividends to policyholders? Did you know that our Founder Father Michael McGivney has an open case for sainthood in Rome and has been declared by the Vatican as "Venerable Servant of God?"

INTERESTED IN TERM? WHOLE LIFE? IRAs? ROTHS? 401K ROLLOVER? LONG TERM CARE? ESTATE PLANNING? CHARITABLE GIFTING? WEALTH TRANSFER? ESTATE MAXIMIZATION? BUSINESS INSURANCE? BUY-SELL AGREEMENTS? KEY MAN INSURANCE? CHILDREN'S INSURABILITY RIGHTS? PENSION MAXIMIZATION? CAREER OPPORTUNITIES?

A Glossary of Insurance Terms

cash value - For a permanent life insurance policy, the
amount of money, before adjustments for factors such as
policy loans, that the policyowner will receive if the policy
doesn't remain in force until the insured's death

death certificate - A document that attest to the death of a
person and that bears signature - and sometimes the seal - of
an official authorized to issue such a certificate.

fraternal benefit society - An organization formed to provide
social and insurance benefits to its members.

illustration - As defined by the Life Insurance Illustrations
Model Regulation, a presentation of depiction that includes
nonguaranteed elements of a life insurance policy over a
period of years.

needs analysis - A process by which our agent develops a
detailed personal and financial picture of a prospect in offer
to evaluate the prospect's insurance needs.

participation policy - An insurance policy under which the
policyowner shares in the insurance company's surplus.

policy dividend - A participation policy owner's share of
divisible surplus, payable at the end of the policy year.

policy issue - The insurance company functional area that
prepares the insurance contract and facilitates the delivery
of the policy to the customer, by way of the agent who sold
the insurance.

policy lapse - The termination of an insurance policy
because of nonpayment of renewal premiums.

policy loan - A loan made by a life insurance company to
the owner of a life insurance policy that has a cash value.

policy rider - An amendment to an insurance policy that
either expands of limits the benefits payable under the policy.