CSA Estlian

CSA Fraternal Life Insurance Products

www.csafraternallife.org

Special Benefit Program
Affordable Life
Ordinary Life
Life Paid up at 65
Single Premium Life
20 Pay Life
Term Insurance
Graded Benefit Whole Life
Annuities
IRAs

Special Benefit Program

As a member, you may receive FREE extra benefits with CSA.

Newborn Death Benefit pays up to $5,000 if death occurs less than 60 days after birth.

Newborn Guaranteed Insurability offers up to $10,000 of permanent life insurance to a live-born infant, regardless of health.

Orphan's Scholarship Grants cover annual tuition, books and living expenses.

Adult Safeguard Benefits provide for expenses not reimbursed by a relief agency or insurer in case of;
n natural disasters
n specified diseases
n accidental death
n loss due to crime

Affordable Life

Affordable Life, CSA's version of Universal Life, gives you choices. You choose the right balance of the premium you pay, your cash accumulation goal and the amount of insurance protection.

You can:
n begin your plan with a low minimum premium and then increase your premium payments as your financial situation changes; make a single premium payment and never pay again;
n pay a higher premium to build up greater cash values for later use;
n suspend your premium payments for a period of time as your family grows, based on the cash accumulated in your plan.

Affordable Life provides tax sheltered cash values that grow at a competitive rate and are accessible when you need living benefits. Plus, you get the advantage of tax free death benefit proceeds.

Ordinary Life

Ordinary Life, a whole insurance plan, provides economical, lifelong protection.

This Plan:
n builds cash value which can be borrowed against; guarantees your insurability and locks in a premium rate;
n can cover final expenses and protect your estate;
n provides financial security for you and your family.

Life Paid up at 65

With this plan, you can reduce your premium payments and still completely pay up your policy by age 65.

Single Premium Life

Make one lump sum payment when you purchase this policy and the coverage is fully paid up for life. Issue ages are from birth through age 80.

20 Pay Life

You may wish to purchase lifelong protection but prefer to pay for it all within a specific period of time. The 20 Pay Life plan will meet this goal after the first 20 years of coverage and all required premiums are slightly higher for this plan, they occur during the years of greatest earning potential.

Term Insurance

Term insurance is the answer when you need short term assurance for temporary needs in your life:
n mortgage on you home, land, retirement property;
n loan on your boat, truck, RV snowmobile, or motorcycle;
n college expenses for your children.

Terms insurance is economical because:
n you pay for only the cost of protection;
n no part of the premium is used for cash value accounts or dividends;
n we charge the lowest premium rate annually based on your age at your nearest birthday.

Every year you have a choice to convert to our Affordable Life (Universal Life) or any permanent plan of insurance we offer. A new policy will be issued for any amount, up to the amount of protection on your term plan, without any physical exam or health questions, even if your health has changed.

Graded Benefit Whole Life

If insurability issues exist, this plan offers coverage up to $25,000. People ages 25-80 can apply.

The initial death benefit is a portion of the amount of life insurance. The death benefit increases annually until it becomes equal to the ultimate amount of life insurance shown in the certificate schedule. This Plan guarantees your protection with:
n life insurance that never decreases;
n rates that will never increase;
n cash value accumulations.

Annuities

With CSA's Flexible Premium Annuity you can begin with a low first year contribution.

Flexible Premium Annuity
Enjoy these advantages:
n interest you earn will accumulate on a tax-deferred basis;
n make regular contributions and have your entire contribution earning tax-deferred dollars. Large contributions require prior approval by the Society.

Single Premium Deferred Annuity
n Make a one-time lump sum payment and decide when in the future you want to begin receiving guaranteed monthly income.

Single Premium Immediate Annuity
n Make a one-time lump sum payment and begin receiving a guaranteed monthly life income right away with this annuity plan. Your checks will be sent to you on the first day of every month.

Contact us for more information:
Jenny Dunn, Sales Agent
217.273.4576
sales@csa-estlian.org

IRAs

Individual Retirement Accounts build personal, tax-sheltered retirement plans. Plus, they save money three ways:
n reduce taxable income;
n can lower your tax bracket;
n earn tax-deferred interst.

Make contributions based on current guidelines provided by the Internal Revenue Service (IRS).

CSA offers both traditional and Roth IRAs.