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Introducing My Choice IUL

Smart financial choices should be easy.

Choose Your Best Future

father reading a book to daughter

Cross the Retirement
Finish Line

You’ve worked hard, and you’re starting to think seriously about your future. Do you have enough life insurance to protect your family and enough put away to enjoy the retirement you want?

There’s still time to set aside more to supplement your retirement income, but how do you make sure you’re making smart choices1?

Good news! My Choice Indexed Universal Life Insurance can help you get on your way to achieving these goals. Putting permanent life insurance in place protects your loved ones in case the worst should happen. Plus, this life insurance includes the potential to build cash value. You’ll have access to an indexed account linked to the performance of the S&P 500® Index. We’ve also designed the indexed account to protect you from market-based losses in down-market years2.

Help During Illness

Plus, My Choice IUL is there for you when you need help in uncertain times, offering Chronic and Terminal Illness Accelerated Death Benefit Riders that allow you to access a portion of your life insurance benefits while you are still living – at no additional cost3.

Request a Quote

Your Representative will help you set a customized, flexible plan based on your long-term goals and current financial situation.

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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.

Choose a Better Life Insurance Company

Life Insurance That Gives Back

As a member, you’re joining 700,000 other people who share your commitment to family, community and country. You have a choice in planning your financial future; place your trust in an organization that dedicates would be profits to your community.

Advantages You Can Use Now

You’ll have access to a wide range of valuable extras. From everyday discounts at 30,000 retailers to scholarships for college, these extras are designed to help your family right now.

Strengthening Communities

With nearly 900 chapters, you’ll have opportunities to connect with others, give back locally, and honor those who make an impact. You also have an open invitation to a variety of family activities and fun, local attractions.

Disclosures

  1. The IUL product is not intended to serve as a primary source for retirement, pension income or deferral of taxable income.
  2. Guarantees are backed by the claims-paying ability of WoodmenLife.
  3. All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Certain eligibility and age requirements apply. This rider is not long term care insurance, nor is it intended to replace long term care insurance. Not available in CA or NY.

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.

Universal Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. This certificate could lose money. WoodmenLife will provide notification if the guaranteed monthly deductions and interests are expected to exhaust the plan’s cash values prior to the maturity date. This certificate is not guaranteed to stay in force until maturity based on minimum guarantees.

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

Flexible Premiums Adjustable Indexed Life Certificates ICC18 8730 4-18, 8730 4-18 (XX). Rider Forms: ICC18 8731 4-18, 8731 4-18 (XX), 257 6-10 (XX), O-257 6-10 (XX).

The “S&P 500®” is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and has been licensed for use by Woodmen of the World Life Insurance Society (“WoodmenLife”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). It is not possible to invest directly in an index. WoodmenLife’s flexible premium adjustable indexed life insurance certificate (the “Certificate”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Certificate or any member of the public regarding the advisability of investing in securities generally or in this certificate particularly or the ability of the S&P 500® to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to WoodmenLife with respect to the S&P 500® is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® is determined, composed and calculated by S&P Dow Jones Indices without regard to WoodmenLife or the Certificate. S&P Dow Jones Indices has no obligation to take the needs of WoodmenLife or the owners of the Certificate into consideration in determining, composing or calculating the S&P 500®. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Certificate or the timing of the issuance or sale of the Certificate or in the determination or calculation of the equation by which the Certificate is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Certificate. There is no assurance that the Certificate based on the S&P 500® will accurately track index performance or provide positive returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios products and the tax consequences of making any particular purchase decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY WOODMENLIFE, OWNERS OF THE CERTIFICATE, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND WOODMENLIFE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

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.

Loans and withdrawals will reduce the policy’s death benefit and available cash value. A loan, withdrawal or surrender may be a taxable event. For tax advice, consult with your professional tax advisor. Excessive loans or withdrawals may cause the policy to lapse.

Death benefit proceeds from a life insurance policy are generally not included in the gross income of the taxpayer/beneficiary (Internal Revenue Code Section 101(a)(1)). There are certain exceptions to this general rule including policies that were transferred for valuable consideration (IRC §101(a)(2)). This information should not be construed as tax or legal advice. Consult with your tax or legal professional for details and guidelines specific to your situation.

The IUL product is not intended to serve as a primary source for retirement, pension income or deferral of taxable income.

WoodmenLife has entered into sponsored marketing relationships with companies that agree to offer discounts to WoodmenLife members. WoodmenLife is not affiliated with these companies and does not administer these discounts for products or services.

WEB129 - 8/29/2019