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Knights of Columbus INSURANCE
Making a difference for life

• Security. AM Best rates us A++, while Standard and Poors rates us AAA, which are the highest ratings any company can achieve. We also carry the IMASA designation (Insurance Marketplace Standards Association), for ethical marketing. Only 6 of the 2000 insurers have received all three designations in 2003.
• Profits. The Knights of Columbus profits are distributed back to its members in the form of dividends and are donated to the countless charitable works financed and supported by the Knights.
• Familiarity Factor. The Knights of Columbus Insurance is sold by qualified and highly trained Knights of Columbus Agents, to fellow members of the Order and their families. All of our agents are on schedule to received their degree as a Fraternal Insurance Counselor. Many have completed Life Underwriters Training Course and several have their Fellowships. Your K of C representative is a fellow Knight whom you see at Mass, the one who helps the council with memberships, and one who deals only with our members and their families.

FACTS ABOUT OUR INSURANCE PROGRAM

• The Knights of Columbus has over 49 billion dollars of life insurance in force.
• The Knights of Columbus is ranked in the top 5% of life insurance companies doing business in North America.
• Rated AAA (superior) Standard and Poor’s. (11 consecutive years)
• Rated A++ (superior) by AM Best’s (25 consecutive years)
• IMSA Designation (Insurance Marketplace Standards Association)
• The Knights of Columbus has paid out more than 317 million dollars in dividends to our policyholders in 2003 alone.

KNIGHTS OF COLUMBUS PROGRAMS

New Member Plan

• Whole life, level coverage, cash value insurance for the new member and his wife for only $50 a year.
• Issue ages 18 to 65

Whole Life

• Cash value, level death benefit, dividend participating, level premiums payable during the lifetime.
• Issue ages 0 to 75

• A Whole Life plan with premiums payable to the registration date nearest the 95th birth date.
• Cash Values generally are higher than the regular Whole Life plan.
• Issue ages 18 to 70

• A Whole Life plan with premiums payable for 20 years.
• Issue Ages 0 to 70

• A Whole Life plan with premiums payable to contract date nearest the insured's 65th birth date.
• Issue Ages 0 to 54

• A PAID UP Whole Life plan for which cash values are immediate and dividends are payable at the end of the first contract year.
• Issue Ages 0 to 70

BLENDED PROGRAM

• A combination of Whole Life and Term and Paid Up Life insurance (dividend additions).
• As the paid up life insurance increases, the term insurance decreases.
• The plan is designed to give large amounts of protection, with great values, at low cost.
• Issue Ages 0 to 75
• Minimum $50,000

TERM PROGRAMS

• A policy with premiums for one year.
• Renewable each year at a new rate.
• Low cost coverage with no cash values.
• Issue Ages 18 to 65

• A low cost policy with premiums for 5 years.
• Not renewable and no cash values.
• Issue Ages 18 to 64
• $100,000 minimum

• A plan for a specified period where the death benefit decreases.
• A good program for mortgage protection.
• Issue Ages 18 to 60
• Minimum $25.000

• A nonrenewable term plan designed for children
• Issue Ages 0 to 21
• 5, 10, 15, 20-Year Renewable Convertible Term
• A policy with premiums for 5, 10, 15 or 20 years.
• Level coverage, renewable and convertible.
• Issue Ages 18 to 65
• Minimum $100.000
• Preferred rates for amounts $250,000 and up for those who qualify.

ANNUITY PLANS

• Designed to accumulate retirement monies for the purpose of providing lifetime income.
• The initial premium is $300.00.
• Interest is tax deferred.

• Developed to provide immediate life time income while systematically liquidating retirement monies
• An initial premium of $5,000 is required.

• A savings plan to set aside money for retirement.
• Payments are not tax deductible
• Earnings are tax deferred and tax free upon withdrawal (if certain conditions are met).

• A savings plan to set aside money for retirement.
• Payments are tax deductible
• Earnings are tax deferred.

• An easy to understand and administer pension plan for small employers.

• An employer sponsored, salary reduction retirement plan for the employees of public educational institutions and tax-exempt organizations.
• Premiums paid to a TSA are excluded from the employee's current gross income.
• Earnings are tax deferred.

• Introduced year 2000.
• A policy to cover the costs of certain types of nursing home and or home healthcare services.
• A tax qualified plan with regard to benefits and premiums.
• You choose daily benefit amount, benefit period and elimination period.
• Available ages 40 to 85.
• Riders available including return of premiums

RIDERS

• Up to $2500 accidental death benefit for member & spouse.
• $5,000 life plan for uninsurable new born in first 61 days.
• $5,000 rated life plan for uninsurable child 61 days to age 18.
• $5,000 @ Standard rates for mentally retarded child in good health between ages 3 and 18.
• Death benefit for still born child after 20 weeks.
• Death benefit for death of infant during first 61 days.
• Orphan benefits and educational grants.
• Accidental death benefit (based on years of service) payed to family of military killed while serving in Afganistan or Iraq during Operation Iraqi Freedom.