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Whole Life Insurance











                                            Our whole life plan offers dependable lifetime coverage and
                                            guaranteed cash value to help during challenging times.



                                            Whether you want the financial security of a guaranteed death benefit or
                                            access to the plan’s cash value through a policy loan for emergency
                                            situations, whole life insurance has the flexibility to provide both.




          Product guarantees                n  Death benefit stays the same
        (as long as premiums are paid and    n  Cash value increases over time
              no loans are taken)           n  Premiums remain the same


                                            n  Face amount - shown below
        Attractive underwriting             n  Guaranteed issue
                                            n Non-medical underwriting (no blood profiles or examinations) available for certain age
                                              bands and face amounts



                                            Guaranteed Issue Amounts for all eligible members only:  *
                                            Ages 18-50: $5,000-$75,000
                                            Ages 51-60: $5000- $40,000
                                            Ages 61-79: $5,000-$20,000
                                                                                  * retirees are not eligible




         Competitive features               n   Accelerated death benefit due to terminal illness
                                            n  $3,000 immediate claim payment
                                            n  Policy loans available ($250 minimum)
                                            n  Policy pays cash surrender value at age 100 (when the policy endows)
                                            n  Portability that enables employees to take coverage with them if they change jobs or retire








              Riders                        n  Chronic care accelerated death benefit rider






                                            Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by
                                            state and may not be available in all states. See your Colonial Life benefits representative for complete details.

                                            Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC
                                            ©2019 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a
                                            registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

                                                                                              WHOLE LIFE (IWL5000)  |  6-19  |  101937
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