WHOLE LIFE: A permanent plan of insurance for which premiums are payable during the lifetime of the insured. The plan is participating, meaning it pays dividends (not guaranteed) and contains cash values. The death benefit remains level for the life of the contract and increases if dividends remain in the contract.

WAIVER OF PREMIUM is available from 0-55 years of age.

ACCIDENTAL DEATH BENEFIT (double indemnity) is available from 1 to 55 years of age.

GUARANTEE PURCHASE OPTION (up to the face amount or $50,000, whichever is the lesser of the two) can be issued from 0-37 years of age. It provides the insured six opportunities between the ages of 25 and 40 to increase their coverage without evidence of insurability.

PAYOR DEATH AND DISABILITY BENEFIT is available for a payor on a juvenile certificate ages 0-15

AN INCOME PROTECTION RIDER is available from 18-60 to provide a flow of income to a beneficiary.

A FAMILY INSURANCE RIDER is available to provide spouse and children coverage under a base plan on the Knight.

A CHILDREN'S RIDER is available if one does not wish spouse coverage.

The Order also offers attractive TEN YEAR LEVEL TERM RIDERS, DECREASING TERM RIDERS as well as death and disability coverage on a PAYOR (18-50).

For more information, call toll free (800)-356-0567 or e-mail us at Michael@aunagency.com.

DISCOVERER PLAN- The Discoverer is a blended plan of insurance consisting of Whole Life insurance and Additional Protection Benefit (APB).

The Additional Protection Benefit consists of two parts: term insurance and paid-up life insurance (dividend additions). Generally, the plan provides a level death benefit for all of life.

As the paid-up insurance benefit increases, the term insurance benefit proportionately decreases. Thus, the term insurance benefits are automatically converted to permanent paid-up insurance. Premium rates for the Additional Protection Benefit are guaranteed for 20 years, or to age 70, if earlier. Dividends are payable on the Whole Life plan and the APB benefit beginning at the end of the second year. Dividends are not guaranteed.

The plan can be issued from age 0-70.

WAIVER OF PREMIUM (0-55),

DOUBLE INDEMNITY (1-55),

THE GUARANTEED PURCHASE OPTION (0-37),

FAMILY OR CHILDREN'S RIDERS (18-55),

INCOME PROTECTION RIDER (FOR SPOUSE ONLY, 18-60),

PAYOR BENEFIT FOR DEATH AND DISABILITY (18-50),

TEN YEAR LEVEL TERM RIDER SPOUSE ONLY 18-60),

YOUTH PURCHASE OPTION RIDER (0-18) AND INFLATION RIDERS (0-45) are all available.

A SPOUSE'S CONTRACT'S WAIVER OF PREMIUM RIDER is available(18-45).

D U A L i f e (Second - To - Die) -

The DUALife Plan is a second-to-die participating custom-built insurance program consisting of Whole Life Insurance and optional Addition Protection benefit.

The Additional Protection Benefit consists of two parts: term insurance and converted paid up life insurance. The plan provides a level death benefit.

As the converted paid-up insurance benefit increases, the term insurance benefit proportionately decreases. The term insurance benefits are automatically converted to permanent paid-up life insurance.

Guaranteed cash value is based on 4.5% - 1980 Mortality Tables and does not increase upon the first death.

Dividends are payable on the Whole Life and the APB benefit beginning at the the end of the second year. Dividends are not guaranteed. The owner can select either all Whole Life or a combination of Whole Life and Additional Protection Benefit (APB).

If choice is all whole life, the premiums are guaranteed and all dividend options are available, though dividends are not guaranteed. If the member selects a combination of Whole Life with Additional Premium Benefit, only the Whole Life premium is guaranteed and dividends must be used to purchase Inside Paid Up Additions. Inside Paid Up Additions reduce the term insurance portion of the plan.

All the usual NON-FORFIETURE OPTIONS are available under this plan with the exception of the Extended Term Option.

The MINIMIUM ISSUE is $100,000 and the issue ages are 18-75. Substandard rates are available up to Class P for each insured. In addition, one insured may be uninsurable provided the other is standard or non-tobacco.

POLICY SPLIT OPTIONS are available to all the insured to exchange the plan for two single Whole Life policies without evidence of insurability in cases of divorce or significant change in estate tax law. This option is not available to an insured who was classified uninsurable at the original issue.

A FOUR YEAR TERM RIDERcan provide for a level amount of additional term coverage up to 123% of the basic coverage. It is payable if both insureds die within the first four years after issue date. The premium is level and payable while the rider is in force. The rider is non participating (pays no dividends).

A WAIVER OF PREMIUM RIDER is available at issue ages 18-60 and provides for waiver of premiums in the event of the insured's total and permanent disability. Disability must occur prior to the anniversary nearest age 65 and are calculated as a percentage of the total premium payable on the contract (before the waiver is attached). Call the Michael A. Aun Agency at (800)-356-0567 or e-mail us at Michael@aunagency.com

LONG-TERM CARE Knights of Columbus Care is a tax-qualified plan available to members and their spouses ages 40-85 (subject to underwriting requirements).

The plan's FLEXIBILITY allows you to choose both your coverage and the premium you pay.

CHOICE OF NURSING HOME-ONLY or comprehensive coverage, which also covers at-home and hospice care.

YOU SELECT YOUR DAILY BENEFIT AMOUNT, benefit duration and elimination period.

GUARANTEED RENEWABLE. Benefits can not be cancelled if you pay premiums when due. (Premiums are not guaranteed and increases are possible.

SPOUSAL DISCOUNT available.

SHARED CARE. When two spouses have identical policies and one exhausts available benefits, either can use the other's benefits.

BED RESERVATION SYSTEM is included.

COMPREHENSIVE PLANS include respite care, transportation coverage, and a home-modification benefit.

PREMIUMS WILL BE WAIVED during the period in which you are receiving benefits.

GUARANTEED PURCHASE OPTION lets you obtain added coverage.

NO LIMITATIONS for pre-existing conditions after policy is approved.

RETURN OF PREMIUM BENEFIT RIDER allows for all premiums to be refunded upon death if never used (some conditions apply).