B 20801 LWL SB2013 (6-15)

Life Insurance protection with guaranteed cash value

Policy Form B 20801

Ordinary Whole Life

Level Whole Life Insurance®

B 20801 LWL SB (2-09)

Ask yourself these questions:“If I died tomorrow, would the people who depend on me be fully protected?”The answer for most people is “no.” With the proper amount of coverage, you can rest easy knowing the funds will be there for your loved ones providing them the financial security that will give them “peace of mind.”

It’s not just the responsible thing to do, it’s a gift to your loved ones in their time of need.

“What would happen if funds were NOT available for all of the final expenses?”Many people believe that these expenses can be paid out of their estate. However, it often takes months for the value of the estate to be released through probate.

A Whole Life Insurance policy can provide funds for immediate expenses and those required for your family to maintain a comfortable lifestyle after you are gone.

No one wants to cause financial hardship to their loved ones, so whether you are single or married, have children at home or are an “empty nester,” whole life insurance makes sense.

“If I already have life insurance, is additional insurance really needed?”Permanent life insurance is an ideal way to supplement your existing insurance because inflation and the cost of living can weaken many insurance policies.

“If my wife and I both work, do we really need life insurance?”If you were to die, where would that leave your spouse? Could he/she continue to live in your current location, or would he/she be forced to move? Providing financial security to your loved one is one of the most powerful ways to express your love.

The best life insurance policy is the one that’s in force the day you need it.

Life Insurance… do I really have enough?

B 20801 LWL SB (2-09)

If you have a family... permanent life insurance should be an essential part of your personal financial plan.

If you are single... permanent life insurance should be the foundation on which you build your financial future.

Level Whole Life Insurance from Bankers Fidelity Life:“Why should I buy life insurance?”

Life insurance is part of sound financial planning and can be used to:

“Who is it for?”People who:

Over time, whole life insurance could be more economical than term insurance, since premiums don't increase with time or as you get older…and the policy builds cash values.

Features:

Permanent life insurance accumulates value during your lifetime, and you have relatively easy access to this value. You can even borrow against the policy.

No matter what type or amount of life insurance you choose, you can rest assured knowing that those you care about most will be safe and secure.

Purchasing life insurance is one of the most reassuring and responsible decisions you can make.

Available Riders

• Childrens Insurance Rider—Available all ages

• Waiver of Premium— Available Age 15–55

• Accidental Death Benefit—Available Age 5–55

• A guaranteed death benefit, generally free from federal income tax

• Tax-deferred accumulation of cash values

• A level premium that is guaranteed NEVER to increase

• Benefits that NEVER decrease

• Your policy can never be cancelled, regardless of your age or health

• Guaranteed coverage for life with paid premium

• Pay final expenses

• Create an inheritance for your heirs

• Replace income for dependents

• Pay estate and state death taxes

• Pay off a mortgage or loan

• Make charitable contributions

• Create a source of savings

• Start an education fund

• Plan your estate

• Fund your retirement

• Fund business needs

• Have a lifetime need for insurance protection

• Are attracted by the policy’s ability to build tax-deferred cash values

• Prefer the high degree of safety provided by the policy’s guarantees

• Like to know their premiums will never increase

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THE STRENGTH OF EXPERIENCEFor more than half a century, Bankers Fidelity Life® has provided tens of thousands of Americans with valuable, customer-oriented insurance products. Our commitment to fair and fast payment of claims has earned us a reputation for quality service to our policyowners and their families.

You can rely on our reputation as a Company that delivers on its promises to policyowners. Our record of bringing innovative products and value-added services to market has established Bankers Fidelity Life as a proven leader in the life and health insurance industry. Bankers Fidelity Life is rated A- (Excellent) by A. M. Best Company.

Policies underwritten by Bankers Fidelity Life Insurance Company®, 4370 Peachtree Rd. NE, Atlanta, GA. Level Whole Life policy form B 20801. Application to determine eligibility required. Subject to availability; not all products available in all states.

B 20801 LWL SB2013