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The right protection from the right company

ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect your family.

You can take comfort in knowing your coverage is backed by a company that has been in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come. We’ll be with you . . . We’re Kansas City Life.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

The coverage described is for the ChoiceTerm 20, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J160, rider forms R102, R207, M652, R210, R195, R100. Form numbers may differ by state.

ChoiceTerm 20 3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2815

5.12T

SM


O

ne of the most rewarding aspects of your life is family time – the days you have together and the future ones you have planned. Yet your family’s financial future can loom large if you are unprepared. Before you know it, your family’s needs have grown and you must find a way to ensure their needs are met at your death – needs such as mortgage and car payments, college education expenses and ongoing survivor income. ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect a family. For insurance needs of $1 million or more, ChoiceTerm 20 helps ensure your financial obligations aren’t just attainable but affordable. With ChoiceTerm 20, premium rates are guaranteed level for 20 years with a level death benefit renewable to age 95. You can continue coverage beyond the initial 20 years by paying the required premiums which increase every year. Additionally, depending on your age, you may be able to convert this policy to permanent coverage in the first 10 policy years.

Riders and additional benefits

Spouse’s Term Insurance

There is more to ChoiceTerm 20 than an affordable price. ChoiceTerm 20 offers policy riders and features to customize for your specific needs.

This rider provides decreasing term insurance on the insured’s spouse until your spouse’s 65th birthday. You may also convert – without a medical exam – to a Kansas City Life permanent life insurance policy. If you die before your spouse’s 65th birthday, protection continues with no further premium required.

Accidental Death Benefit To help your loved ones cope with the devastation of accidental death, this rider pays your beneficiaries an additional death benefit if your death is accidental as defined by the rider.

Children’s Term Insurance You can provide temporary insurance protection for your eligible children through level premiums and a level death benefit. You also have the option to convert the coverage for each insured child to any permanent life insurance we offer without evidence of insurability up to a maximum of $25,000. This option may be exercised at any time the coverage is in force until the insured child reaches age 25.

Income Assured Option

Is ChoiceTerm 20 right for you? You need temporary coverage to protect your

family and financial interests against the unexpected. You require a substantial life insurance death benefit at an affordable rate to fit your current budget. You want policy flexibility and options to enhance ChoiceTerm 20’s coverage and possibly convert to permanent life insurance later.

With this enhancement, you can allocate a Lump Sum Benefit to cover your family’s immediate cash needs – whatever those might be – at your death. You may also designate how the remaining death benefit will be paid through the Installment Benefit Amount that is paid for a designated number of years. When added together, the total cumulative death benefit paid out could be more than if the policy’s entire proceeds were paid out as a lump sum benefit.

Terminal Illness Rider For no additional premium, this living benefit rider allows you to access part of your policy’s death benefit if you become terminally ill by providing an accelerated death benefit payment amount of up to 50 percent of the policy’s face amount. This rider can be added at any time.

Waiver of Premium To ensure your policy does not lapse during a period of total disability, this rider waives your premium payments if you are disabled under rider terms.


O

ne of the most rewarding aspects of your life is family time – the days you have together and the future ones you have planned. Yet your family’s financial future can loom large if you are unprepared. Before you know it, your family’s needs have grown and you must find a way to ensure their needs are met at your death – needs such as mortgage and car payments, college education expenses and ongoing survivor income. ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect a family. For insurance needs of $1 million or more, ChoiceTerm 20 helps ensure your financial obligations aren’t just attainable but affordable. With ChoiceTerm 20, premium rates are guaranteed level for 20 years with a level death benefit renewable to age 95. You can continue coverage beyond the initial 20 years by paying the required premiums which increase every year. Additionally, depending on your age, you may be able to convert this policy to permanent coverage in the first 10 policy years.

Riders and additional benefits

Spouse’s Term Insurance

There is more to ChoiceTerm 20 than an affordable price. ChoiceTerm 20 offers policy riders and features to customize for your specific needs.

This rider provides decreasing term insurance on the insured’s spouse until your spouse’s 65th birthday. You may also convert – without a medical exam – to a Kansas City Life permanent life insurance policy. If you die before your spouse’s 65th birthday, protection continues with no further premium required.

Accidental Death Benefit To help your loved ones cope with the devastation of accidental death, this rider pays your beneficiaries an additional death benefit if your death is accidental as defined by the rider.

Children’s Term Insurance You can provide temporary insurance protection for your eligible children through level premiums and a level death benefit. You also have the option to convert the coverage for each insured child to any permanent life insurance we offer without evidence of insurability up to a maximum of $25,000. This option may be exercised at any time the coverage is in force until the insured child reaches age 25.

Income Assured Option

Is ChoiceTerm 20 right for you? You need temporary coverage to protect your

family and financial interests against the unexpected. You require a substantial life insurance death benefit at an affordable rate to fit your current budget. You want policy flexibility and options to enhance ChoiceTerm 20’s coverage and possibly convert to permanent life insurance later.

With this enhancement, you can allocate a Lump Sum Benefit to cover your family’s immediate cash needs – whatever those might be – at your death. You may also designate how the remaining death benefit will be paid through the Installment Benefit Amount that is paid for a designated number of years. When added together, the total cumulative death benefit paid out could be more than if the policy’s entire proceeds were paid out as a lump sum benefit.

Terminal Illness Rider For no additional premium, this living benefit rider allows you to access part of your policy’s death benefit if you become terminally ill by providing an accelerated death benefit payment amount of up to 50 percent of the policy’s face amount. This rider can be added at any time.

Waiver of Premium To ensure your policy does not lapse during a period of total disability, this rider waives your premium payments if you are disabled under rider terms.


O

ne of the most rewarding aspects of your life is family time – the days you have together and the future ones you have planned. Yet your family’s financial future can loom large if you are unprepared. Before you know it, your family’s needs have grown and you must find a way to ensure their needs are met at your death – needs such as mortgage and car payments, college education expenses and ongoing survivor income. ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect a family. For insurance needs of $1 million or more, ChoiceTerm 20 helps ensure your financial obligations aren’t just attainable but affordable. With ChoiceTerm 20, premium rates are guaranteed level for 20 years with a level death benefit renewable to age 95. You can continue coverage beyond the initial 20 years by paying the required premiums which increase every year. Additionally, depending on your age, you may be able to convert this policy to permanent coverage in the first 10 policy years.

Riders and additional benefits

Spouse’s Term Insurance

There is more to ChoiceTerm 20 than an affordable price. ChoiceTerm 20 offers policy riders and features to customize for your specific needs.

This rider provides decreasing term insurance on the insured’s spouse until your spouse’s 65th birthday. You may also convert – without a medical exam – to a Kansas City Life permanent life insurance policy. If you die before your spouse’s 65th birthday, protection continues with no further premium required.

Accidental Death Benefit To help your loved ones cope with the devastation of accidental death, this rider pays your beneficiaries an additional death benefit if your death is accidental as defined by the rider.

Children’s Term Insurance You can provide temporary insurance protection for your eligible children through level premiums and a level death benefit. You also have the option to convert the coverage for each insured child to any permanent life insurance we offer without evidence of insurability up to a maximum of $25,000. This option may be exercised at any time the coverage is in force until the insured child reaches age 25.

Income Assured Option

Is ChoiceTerm 20 right for you? You need temporary coverage to protect your

family and financial interests against the unexpected. You require a substantial life insurance death benefit at an affordable rate to fit your current budget. You want policy flexibility and options to enhance ChoiceTerm 20’s coverage and possibly convert to permanent life insurance later.

With this enhancement, you can allocate a Lump Sum Benefit to cover your family’s immediate cash needs – whatever those might be – at your death. You may also designate how the remaining death benefit will be paid through the Installment Benefit Amount that is paid for a designated number of years. When added together, the total cumulative death benefit paid out could be more than if the policy’s entire proceeds were paid out as a lump sum benefit.

Terminal Illness Rider For no additional premium, this living benefit rider allows you to access part of your policy’s death benefit if you become terminally ill by providing an accelerated death benefit payment amount of up to 50 percent of the policy’s face amount. This rider can be added at any time.

Waiver of Premium To ensure your policy does not lapse during a period of total disability, this rider waives your premium payments if you are disabled under rider terms.


The right protection from the right company

ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect your family.

You can take comfort in knowing your coverage is backed by a company that has been in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come. We’ll be with you . . . We’re Kansas City Life.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

The coverage described is for the ChoiceTerm 20, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J160, rider forms R102, R207, M652, R210, R195, R100. Form numbers may differ by state.

ChoiceTerm 20 3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2815

5.12T

SM


The right protection from the right company

ChoiceTerm 20 is one of the most straightforward and simple ways to financially protect your family.

You can take comfort in knowing your coverage is backed by a company that has been in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come. We’ll be with you . . . We’re Kansas City Life.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

The coverage described is for the ChoiceTerm 20, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J160, rider forms R102, R207, M652, R210, R195, R100. Form numbers may differ by state.

ChoiceTerm 20 3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2815

5.12T

SM

ChoiceTerm 20 Consumer Brochure  

ChoiceTerm 20 Consumer Brochure

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