L e ve l 20 A d v a n t a g e
Lock in term insurance rates for 20 years Protecting the future with a term life premium you can count on The future is uncertain, challenging, exciting and full of opportunities. Like most smart consumers, you know the importance of protecting your financial security in an uncertain economy. Life insurance is one form of security you can always count on. But right now, maybe you can’t consider a permanent insurance product like universal life. That’s why Select Term Life Insurance from Kansas City Life Insurance Company makes sense.
Real value designed with you in mind You’ll find real value in Kansas City Life’s Select Term Level 20 Advantage. Take a look at all you can enjoy: ■
Affordable annual premiums that are guaranteed to remain level for 20 years.
renewable coverage up to age 95.
Liberal privileges that allow you to convert1 your plan to one of Kansas City Life’s permanent life insurance policies regardless of your health at the time of conversion.
Flexible premium payment schedules. You can choose annual, semi-annual or quarterly billing. Or, you can pay your premiums automatically each month from your checking account.
■ Premium savings when electing annual premium or paying in advance. ■ Option for requalification2 after 10 years. 1 For issue ages of 20-60, the final conversion date is the policy anniversary nearest the insured’s 65th birthday. For issue ages 61-65, the final conversion date is the fifth policy anniversary. If you convert an eligible Level 20 Advantage policy during the first 10 years, Kansas City Life will apply 20 percent of your annual term premium for the amount of term insurance being converted toward the premium due on your new permanent life insurance policy. 2 After 10 years, you may have the option to apply for a new level term policy with a new guaranteed level premium period. If you qualify, your premiums will be lower than if you had continued your original policy. To qualify, you must show evidence of good health. If you do not qualify, or if you choose not to reapply for a new level premium, your future premiums are subject to adjustment; however, they will never exceed the guarantees shown in the policy. Note: The minimum face amount of coverage for a Level 20 Advantage policy is $250,000.
3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com
Just how affordable is Kansas City Life coverage? The table below shows sample premiums for $250,000 of Select Term Level 20 Advantage coverage. The monthly PAC premiums shown are for a Preferred Elite Non-tobacco. Your representative can furnish you with quotes for your age, coverage amount and tobacco user status.
At a competitive cost, you can enhance your coverage by adding one or more of the following riders to your term life insurance coverage.
Income Assured Option
$250,000 Term Life Insurance for a Preferred Elite Non-tobacco
Proposed Insured Female, Age 25
Rider choices to fit your needs and lifestyle
This enhancement allows the owner to choose how the death benefit is paid out. The owner can select the amount, duration and frequency of income payments and still maintain a lump sum benefit as well.
Level 20 Advantage Monthly PAC Premium $18.79 $19.64 $29.41 $20.49 $21.55 $37.28
Female, Age 35 Female, Age 45 Male, Age 25 Male, Age 35 Male, Age 45
Terminal Illness Rider Allows clients access to part of the death benefit if they become terminally ill.
Waiver of Premium If a sudden disability strikes, bills can pile up. This rider waives the premium during a period of total disability. For premiums to be waived, the disability must have existed for six consecutive months and must have occurred before the insured’s age 60 and while the rider is in force.
The right protection from the right company If you value stability, you can take comfort in knowing that Kansas City Life has a proud tradition of assuring security since 1895. Our reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – and we have for more than a century.
Accidental Death Benefit Provides an additional death benefit in the event of death due to a covered accident. With accidents among the top causes of death, this offers added security for your loved ones.
Our financial strength and commitment to our policyholders are reflected in our strong ratings from one of the insurance industry’s most respected analysts, A.M. Best. You can count on us to be here when you need us – now and in the years to come.
Spouse's or Children’s Term Insurance You can add decreasing term life insurance coverage for your spouse, or level term life insurance for a child (or children) at a very affordable premium. This allows you to protect your loved ones’ future insurability.
Act now to help ensure your family’s future There’s no better time than right now to take action. Contact your Kansas City Life representative today and ask how we can help assure your future financial security.
The coverage described is for the Select Term Series from Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J160; rider forms M652, R100, R102, R195, R207 and R210. Form numbers may differ by state.
Level 20 Advantage Term Consumer Sheet