Final Expense Whole Life Insurance

A practical way of removing one more worry from your family’s future

FXP B 0813

Peace of Mind Protection for You!

No one knows when we or a loved one will die, but we can take steps now to help make sure that burial costs and other final expenses will be covered when the bills come due.Important Benefits Information●● According to the Funeral Directors

of America, the average cost of an adult funeral is $7,323 while the average cost of cremation can easily exceed $3,000.

●● Social Security pays $255, to those who qualify, for funeral and other expenses.

Your family will be responsible for the unpaid balance!

Ideal for covering final expenses, this insurance plan offers a level death benefit with fixed premiums. This permanent plan can give you peace of mind, knowing that your family will not be burdened with burial expenses and other costs of settling your estate. This plan uses a simplified application process that does not normally require any medical examination. Minimum issue amount is $3,000 with a maximum of $25,000.

●● Fixed premium rates●● Guaranteed cash values●● Policy loans●● Benefits up to $25,000●● Ability to change the beneficiary at any time●● Availability from age 18 to 80●● Benefits that can never be reduced or canceled as

long as premiums are paid on time

The UCT Final Expense Plan Features

Whole Life Insurance Plan Premiums (Issue Ages 18-80)UCT provides solid coverage at reasonable rates. We welcome comparison with other coverages.

Mode factors for all plansAll rates shown in this brochure are annual premiums. For other premium modes, your premium due is the annual

premium multiplied by number of units of coverage (one unit is $1,000) plus policy fee, multiplied by a mode factor. To figure your premiums due at each payment:●● For semi-annual, use the mode factor .515●● For quarterly, use the mode factor .2625●● For monthly (EFT*), use the mode factor .08333●● For monthly (non-EFT), use the mode factor .08833.

* EFT stands for Electronic Funds Transfer, a convenient method of payment by which automatic monthly withdrawals are made from your checking account.

If You Have a QuestionIf you have any questions about this product, please call our Customer Service Department at (800) 848-0123, ext. 300, or contact your UCT representative:

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Policy fee: $36

Whole Life Insurance Plan Premiums per $1,000 of InsuranceIssue PremiumAge Male Female

Issue PremiumAge Male Female

Issue PremiumAge Male Female

Issue PremiumAge Male Female

Issue PremiumAge Male Female

An example premium equation for male age 65: Amount of insurance – $3,500Premium

Per $1,000 Units Policy Fee Mode Factor

MemberDues

Due each Premium

Annual $62.95 5 3.5 + $36 5 none + $30.00 = $286.33 Semi-annual $62.95 5 3.5 + $36 5 .515 + $15.00 = $147.01 Quarterly $62.95 5 3.5 + $36 5 .2625 + $ 7.50 = $ 74.79 Monthly (EFT) $62.95 5 3.5 + $36 5 .08333 + $ 2.50 = $ 23.86 Monthly (non-EFT) $62.95 5 3.5 + $36 5 .08833 + $ 2.50 = $ 25.14

18 12.37 11.01

19 12.37 11.01

20 12.37 11.01

21 12.54 11.15

22 12.71 11.29

23 12.89 11.44

24 13.08 11.61

25 13.28 11.77

26 13.50 11.97

27 13.74 12.18

28 14.00 12.41

29 14.29 12.65

30 14.59 12.92

31 14.96 13.22

32 15.35 13.55

33 15.76 13.89

34 16.19 14.22

35 16.62 14.55

36 16.97 14.80

37 17.34 15.06

38 17.75 15.34

39 18.21 15.64

40 18.74 16.00

41 19.43 16.50

42 20.20 17.05

43 21.05 17.66

57 40.04 31.14

58 41.94 32.42

59 44.04 33.81

60 46.37 35.35

61 49.11 37.06

62 52.14 38.95

63 55.45 41.04

64 59.05 43.37

65 62.95 45.94

66 67.07 48.76

67 71.53 51.89

68 76.34 55.32

69 81.53 59.10

44 21.98 18.32

45 22.96 19.03

46 23.98 19.73

47 25.06 20.50

48 26.21 21.31

49 27.44 22.17

50 28.75 23.10

51 30.17 24.13

52 31.68 25.23

53 33.25 26.37

54 34.92 27.57

55 36.65 28.80

56 38.29 29.94

70 87.12 63.24

71 92.98 67.66

72 99.33 72.51

73 106.25 77.86

74 113.80 83.77

75 122.04 90.27

76 131.04 97.43

77 140.87 105.30

78 151.60 113.94

79 163.28 123.39

80 175.99 133.72

Underwritten by The Order of United Commercial Travelers of America (UCT).

Give Back You get more than just insurance with UCT. You get the good

feeling from giving back to local communities. As a non-profit, socially responsible insurance provider, UCT’s insurance operations help support causes and organizations in communities across the U.S. and Canada.

Get InvolvedWant to take it a step further? As

a UCT member you automatically join other members in the United States and Canada who strive to make a difference in their local communities. Be as active as YOU choose, with opportunities to support causes, including:

●● Intellectual Disabilities Programs

●● Student Scholarships ●● Cancer Research ●● Youth Programs●● Homeless & Disabled Veterans●● Organizations and causes YOU choose

Strength in NumbersUCT members produce amazing results. Over the past 3 years,

UCT’s numbers included:

●● More than $3 million donated to causes ●● More than $300,000 awarded in scholarships●● More than 370,000 collective hours of volunteer service

given to communities and causes

Get CoveredUCT offers a number of affordable insurance and financial

protection products. Whether it’s accident and life products, dental & vision coverage, or Medicare supplement plans, we offer quality protection for your insurance needs.

1801 Watermark Drive, Suite 100Columbus, OH 43215-8619

Tel: 614.487.9680Toll-free: 800.848.0123www.uct.org

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