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Life Insurance

Protect Your Family’s Future

Leave a legacy for the ones you love most by protecting them with life insurance.

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What Does Life Insurance Cover

Life insurance is the best way to provide financial security for your loved ones after you’re gone. It can help relieve financial burdens your family may face, such as funeral costs, mortgages, and college expenses. With life insurance from WoodmenLife, you’ll protect your family with a safety net. And you’ll find comfort, knowing the ones you love most are protected.

Help Your Family Keep the Home They Love

Your home is a sacred place. It’s a place where your family feels most secure – a place full of cherished memories. Life insurance can help your family keep their home after you’re gone. It can help pay off the mortgage.

Help Your Family with Funeral Expenses

Life insurance can help cover funeral costs so your family doesn’t have to worry about how to pay for your funeral in their time of grief.

With life insurance from WoodmenLife, you’ll protect your family with a safety net. And you’ll find comfort, knowing the ones you love most are protected.

Life Insurance:

Funeral Cost flower

Pays for funeral costs

big-expenses Cover Big Expenses Money Bag

Covers big expenses

Live with Confidence person with super hero cap

Live with confidence

Costs Less price tag with a dollar sign

Costs less than you think

Life Insurance costs less than you think

Did you know that people often overestimate the cost of life insurance by three times?* Here’s the good news: life insurance can be affordable for most. Your monthly payment may even be as little as the cost of one tank of gas.

*According to LIMRA 2018 Insurance Barometer Study

Get to Know WoodmenLife

Everything WoodmenLife does is based on family, community and country… and we do a whole lot.

Insurance Company that Gives Back

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Insurance Company that Gives Back

We’ve been helping to protect the financial future of families like yours, making a difference in hometowns across America, and honoring our country since 1890. As a not-for-profit life insurance company, we put money back into the community. We’re here when you need us most.

Helping Your Family Get More Out of Life

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Helping Your Family Get More Out of Life

As a member of the WoodmenLife family, you have access to a wide range of valuable extras. From help paying for education to financial assistance following a natural disaster, these extras are designed to help your family right now. There’s no extra cost nor obligation to enjoy them. It’s just one way our family is committed to helping yours at every stage in life.

Compare Life Insurance

Whole Life
Coverage
  • Permanent
Benefits
  • Premiums never go up
  • Builds cash value
  • Death benefit proceeds paid income tax-free to beneficiary
Types
  • Whole Life Paid-up at 100
  • Whole Life Paid-up at 65
  • 10 Pay Whole Life2
  • 20 Pay Whole Life
Included Riders
  • Accelerated Death Benefit Rider5
    or Chronic and Terminal Illness Accelerated Benefit Rider6
Optional Riders*
  • Accidental Death Benefit Rider*
  • Applicant Waiver of Premium Rider*
  • Disability Waiver of Premium Rider*
  • Guaranteed Insurability Rider*
Issue Ages
  • Varies by type of insurance, from ages 0-85

Term Life
Coverage
  • Temporary (with option of converting to permanent up to age 72)
Benefits
  • Less expensive in the short-term
  • Death benefit proceeds paid income tax-free to beneficiary
Types
  • 10 Year Term
  • 15 Year Term
  • 20 Year Term
  • 30 Year Term
  • Family Term
Included Riders
  • Accelerated Death Benefit Rider5
Optional Riders*
  • Accidental Death Benefit Rider*
  • Disability Waiver of Premium Rider*
  • Applicant Waiver of Premium Rider*
Issue Ages
  • Varies by type of insurance, from ages 0-80

Universal Life
Coverage
  • Permanent
Benefits
  • May build tax-deferred cash value
  • More flexible than traditional whole life
  • Death benefit proceeds paid income tax-free to beneficiary
Types
  • Indexed Universal Life
  • No Lapse Guarantee Universal Life
Included Riders
  • Accelerated Death Benefit Rider5
    or Chronic and Terminal Illness Accelerated Benefit Rider6
Optional Riders*
  • Accidental Death Benefit Rider*
  • Waiver of Monthly Deduction Rider*
Issue Ages
  • Varies by type of insurance, from ages 0-85

Whole Life1 Term Life3 Universal Life4
Coverage
  • Permanent
  • Temporary (with option of converting to permanent up to age 72)
  • Permanent
Benefits
  • Premiums never go up
  • Builds cash value
  • Death benefit proceeds paid income tax-free to beneficiary
  • Less expensive in the short-term
  • Death benefit proceeds paid income tax-free to beneficiary
  • May build tax-deferred cash value
  • More flexible than traditional whole life
  • Death benefit proceeds paid income tax-free to beneficiary
Types
  • Whole Life Paid-up at 100
  • Whole Life Paid-up at 65
  • 10 Pay Whole Life2
  • 20 Pay Whole Life
  • 10 Year Term
  • 15 Year Term
  • 20 Year Term
  • 30 Year Term
  • Family Term
  • Indexed Universal Life
  • No Lapse Guarantee Universal Life
Included Riders
  • Accelerated Death Benefit Rider5
    or Chronic and Terminal Illness Accelerated Benefit Rider6
  • Accelerated Death Benefit Rider5
  • Accelerated Death Benefit Rider5
    or Chronic and Terminal Illness Accelerated Benefit Rider6
Optional Riders*
  • Accidental Death Benefit Rider*
  • Applicant Waiver of Premium Rider*
  • Disability Waiver of Premium Rider*
  • Guaranteed Insurability Rider*
  • Accidental Death Benefit Rider*
  • Disability Waiver of Premium Rider*
  • Applicant Waiver of Premium Rider*
  • Accidental Death Benefit Rider*
  • Waiver of Monthly Deduction Rider*
Issue Ages
  • Varies by type of insurance, from ages 0-85
  • Varies by type of insurance, from ages 0-80
  • Varies by type of insurance, from ages 0-85

Customize Your Life Insurance

1

Discuss Your Needs

How much do you want to leave behind for your loved ones? If you already have life insurance in place, your Representative can help you determine if you have enough for your situation and the expenses you want to cover.

2

Make a Plan

You’ll work with your Representative to determine payments that fit within your current budget. As your situation changes over the years, your Representative will meet with you to review this plan.

3

Enhance Your Plan

You can personalize your life insurance coverage with a variety of riders at added cost.

How to Become a Member

You become a member of the WoodmenLife family when you purchase a WoodmenLife product. Get a quote from your local Representative with a video call.
To protect your privacy, we do not provide quotes over email.

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Serving Families
for 130 years

This is a solicitation of insurance and an agent may contact you. By submitting the above request, I consent to receive phone calls from a licensed insurance producer on behalf of Woodmen of the World Life Insurance Society (WoodmenLife) and its affiliates at the phone number(s) above regarding WoodmenLife products and services. I understand that I can contact a Sales Representative directly to make a purchase.
Please note, because of the COVID-19 virus, family events are temporarily paused and will resume at a later date.

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Disclosures

  1. Forms ICC17 8678 1-17, 8678 1-17 (XX);.These certificates have exceptions, limitations and restrictions. For cost and complete details in coverage, contact your WoodmenLife representative.
  2. There may be tax implications for policies recognized as modified endowment contracts (MEC). Distributions including loans from a MEC are taxable to the extent of the gain in a policy and may also be subject to a 10% additional tax if the owner is under age 59 ½.
  3. Forms ICC16 8648 1-16, 8648 1-16 (XX); Premiums for 10, 15, 20 or 30-year term are guaranteed not to increase during the initial policy term. Once the initial policy term ends, your premiums will increase on an annual basis until age 95. Any increase in premium will not increase the certificate benefits. These certificates have exceptions, limitations and restrictions. For cost and complete details in coverage, contact your WoodmenLife representative.
  4. ICC10 8205 3-10, 8205 3-10 (XX), O-8205 3-10 (XX); This certificate is not guaranteed to stay in force until maturity based on minimum guarantees. Universal Life value growth reflects several factors including the company’s investment, expense and mortality experience. WoodmenLife will provide notification if the guaranteed monthly deductions and interest are expected to exhaust the plan’s cash values prior to the maturity date. For Oklahoma residents, WoodmenLife will provide notification in your annual report if the monthly deductions and interest are expected to exhaust the plan’s cash values prior to maturity date. ICC18 8730 4-18, 8730 4-18 (XX) IUL is not an investment. It is a life insurance policy product that provides growth potential through index interest crediting. You cannot invest directly in an index.
  5. Forms ICC10 264 6-10, 264 6-10 (XX), O-264 6-10 (XX), ICC10 257 6-10, 257 6-10 (XX), O-257 6-10 (XX); All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Maximum benefit is the lesser of $250,000 or 65% of death benefit amount available and usually paid in one lump sum. Generally benefits received are income tax-free. Consult your tax professional to assess the impact of this benefit.
  6. Forms ICC18 8731 4-18, 8731 4-18 (XX), ICC17 8690 1-17, 8690 1-17 (XX); All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Certain eligibility requirements apply. This rider is not long term care insurance, nor is it intended to replace long term care insurance. Not available in CA.

*Rider Forms: 260-XX-0409, 261-XX-0409, 262-XX-0409, 262-04-1401, 263-XX-0409, 263-04-1401, ICC10 8206 3-10, 8206 3-10 (XX), O-8206 3-10 (XX), O-8206 1-14 CA, ICC10 8207 3-10, 8207 3-10 (XX), O-8207 3-10, O-8207 1-14 CA, ICC10 8208 3-10, 8208 3-10 (XX), O-8208 3-10 (XX), ICC11 8308 5-11, 8308 5-11 (XX), O-8308 1-14 (XX), O-8308 1-14 CA, ICC11 8309 5-11, 8309 5-11 (XX), O-8309 5-11 (XX) , O-8309 1-14 CA, ICC11 8310 5-11, 8310 5-11 (XX), O-8310 5-11 (XX), ICC16 8649 1-16, & 8649 1-16 (XX). Riders may not be available on all types of products.

An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a WoodmenLife product.

Benefits are available to members. These fraternal benefits are not contractual, are subject to change and have specific eligibility requirements.

Products are not available in New York and all products may not be available in all states.

Sources

https://www.consumer.ftc.gov/articles/0301-funeral-costs-and-pricing-checklist, April 2018

http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/_Media/PDFs/Facts-of-Life-2016.pdf, April 2018

WEB29 - 7/15/2020