Forethought FreedomSM - Colonial-benefits

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Forethought Freedom SM Issued by Forethought Life Insurance Company Client Guide

Forethought Freedom SM Helping you plan for the future While you can’t predict the future, you can plan for it. Life is a journey and Forethought Life Insurance Company (“Forethought”) wants you to enjoy it. Gain the peace of mind and security you need to live your life to the fullest by planning for the future. Ask yourself these questions: Do your loved ones know all of your final wishes? Can your loved ones afford to pay for a funeral on a moment’s notice? Do you wish to leave final expenses for your loved ones to pay? If you answered “No” to any of these questions, you may be leaving more than a heartache for your family. Be prepared for the future. 1

Know the Facts: A traditional funeral, including a casket and vault, costs about 6,000. But when “extras” like monuments, markers, flowers, obituary notices, acknowledgement cards, and service cars are added, the cost substantially increases. Many funerals in the United States cost over 10,000.1 With final expenses on the rise each year, preparing for these costs beforehand is becoming a necessity. Casket 2,000 Burial Plot 1,625 Vault 1,195 Funeral Service Fee 1,817 Preparation of the Body Expense of Facilities: Visitation, Ceremony, Hearse, Car, etc. Transportation, Memorial Printing Package, Flowers and Other Expenses 828 1,245 1,500 Over 10,000 Final expenses may also include: Cemetery costs Monuments Outstanding loans Medical bills Credit card bills Why is Forethought FreedomSM the Solution? Peace of mind for your family No medical exams Up to 25,000 of protection Premium rates that will never increase Coverage will never lapse, as long as you pay the premiums on time A 30-day, 100% money back, free look period Underwriting available at time of application National Funeral Directors Association and-statistics.html Cost of adult funeral including extra items in 2009. Source: National Funeral Directors Association 3 Federal Trade Commission: Funerals: A Consumers Guide www.ftc.gov 1 2 2 among the most expensive purchases Average Cost for Final Expense2 Total “Funerals rank many consumers will ever make.” 3

The Forethought Freedom Difference SM Forethought is committed to helping you cover the costs associated with end-of-life expenses, including funeral expenses, medical bills, or other obligations that may occur with a death. Forethought FreedomSM provides value and peace of mind for you and your loved ones. In addition to a simplified product offering, Forethought FreedomSM also provides you with a unique value offering. The following are highlights of the benefits offered. Forethought FreedomSM benefits include: Whole Life Insurance Protection from 2,500 to 25,0004 Issue ages 50–80 Affordable, competitive premiums Electronic Funds Transfer (EFT) for monthly payment plans Death benefits are not considered taxable income Claims are processed within 48 hours5 Reduced rates for non cigarette smokers Forethought Funeral Planning NetworkSM offers access to the country’s largest end-of-life network of funeral homes and cemeteries Retirement and end-of-life planning tools available through www.forethought.com 4 5 Coverage limits will vary with risk classification. Subject to review and must be not contestable. 3

Supplemental benefits at no additional cost. 6 Accidental Death Benefit If death occurs from a covered accident, your benefit will be doubled.7 Accelerated Death Benefit Provides 97% payout of the base policy face amount if a licensed physician determines you have a life expectancy of six months or less.8 Grandchildren’s Benefit Provides coverage for eligible grandchildren ages 6 months up to 18-years-old at issue. The benefit amount is 5,000 or the base policy face amount, which ever is lower, and will be paid only one time.9 In addition, Forethought FreedomSM offers a simple, step-by-step process to help you avoid the confusion often associated with end-of-life planning. From assistance in selecting the appropriate coverage to planning for your end-of-life needs, Forethought offers more than just an insurance policy. Coverage may vary by state. Not all supplemental benefits are available in all states. Available to issue ages 50 through 70 only. Coverage terminates on the policy anniversary following attained age 75. Not available for all risk classifications. 8 Less any policy loans, premiums due, and a transaction fee. The policy terminates following payment of the Accelerated Death Benefit and cannot be reinstated. Not available for all risk classifications. May not be available during the first 12 or 24 policy months. Coverage may vary by state. 9 All coverage under this benefit terminates on the earlier of the payment of one Grandchildren’s Benefit or termination of the base policy for any reason. Grandchildren over the age of 18 at policy issue will not be covered. Coverage for any particular grandchild will end on his or her 22nd birthday. 6 7 4

With Forethought Freedom , you will be prepared for the future. SM Meet a couple who was glad they had Forethought on their side. Meet the Robinsons. David and Mildred Robinson agreed years ago they needed to have a financial backup plan if something were to happen to one of them. They chose to work with a Forethought agent to help with all their financial planning. When David was diagnosed with Parkinson’s disease, instead of worrying about how they were going to pay for everything, they went on a trip to visit their grandchildren. Knowing they had all of their expenses covered allowed the Robinsons to enjoy life to the fullest. Meet an individual who wished she would have been introduced to Forethought Freedom much earlier in life. Meet Barbara. SM Barbara lost her husband in a car accident. Unfortunately, they had not prepared for any final expenses and Barbara could not afford to pay for the funeral service she felt her husband deserved. Barbara acquired debt to pay for the funeral services and medical bills she incurred. She was also unsure of her husband’s final wishes. Barbara wished she had a final expense insurance policy to help her through the tough times. Realizing it was not too late for her to keep her children from experiencing the pain of planning her funeral, she immediately called a Forethought agent. Now, she doesn’t worry about how her children will handle planning and paying for her final expenses. Be prepared for the future. Have the peace of mind and security you deserve so you can live your life to the fullest. Fund your final expenses today. 5

Trust Forethought when it matters most With Forethought Life Insurance Company you can be confident your security comes first. We are proud to have served millions of consumers who have placed their trust in Forethought to help them protect their families’ financial futures. Forethought has built its reputation through more than 25 years of quality service and reliability. For more information, please visit www.forethought.com. For you. For them. Forethought FreedomSM

Forethought FreedomSM is funded through the purchase of whole life insurance from Forethought Life Insurance Company, Indianapolis, Indiana. Depending upon payment plan selected, death benefit may vary up to the first three policy years. A representative who may also be an agent of Forethought Life Insurance Company can answer any questions you may have. Forethought Life Insurance Company Administrative Office One Forethought Center Batesville, IN 47006 www.forethought.com M8479-01 2011 Forethought 0711

Batesville, IN 47006 www.forethought.com Forethought FreedomSM is funded through the purchase of whole life insurance from Forethought Life Insurance Company, Indianapolis, Indiana. Depending upon payment plan selected, death benefit may vary up to the first three policy years. A representative who may also be an agent of .

Related Documents:

A3111-04 Page 1 of 7 2011 Forethought 0811 Forethought Life Insurance Company INSURANCE SELLING AGREEMENT _ This Agreement is entered into between Forethought Life Insurance Company, an Indiana life insurance company having its principal office at 300 N.

Forethought Life Insurance Company Administrative office One Forethought Center Batesville, IN 47006 Phone: 1-800-331-8853 Email: ask_us@forethought.com www.forethought.com. Title: M8299-07

Forethought Life Insurance Company One Forethought Center Batesville, Indiana 47006 www.forethought.com 1-877-244-7526 Guaranteed Destinations SM SM Client Guide Forethought Financial Group, Inc. through its subsidiar

coverage to planning for your end-of-life needs, Forethought offers more than just an insurance policy. 6 Coverage may vary by state. Not all supplemental benefits are available in all states. 7 Available to issue ages 50 through 70 only. Coverage termin

Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina 29210 coloniallife.com 10/08 Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 60307-4 Bene t Worksheet For use by Colonial Life Bene ts Representative Coverage: (check one)File Size: 1MBPage Count: 9

4 evelo yor learning on AQA nglih eirary Section 4: Post-colonial ways of reading 4.1 An introduction to Post-colonialism, Post-colonial Theory and Post-colonial literature 36 4.2 What Post-colonial critics do & Post-colonial criticism: an example 37 4.3 Post-colonial criticism: an example 37 4.4 Colonialist criticism 39 4.5 Language 40

Forethought Life Insurance Company in client’s state or the state he/she is moving to. Medigap Plan A, B, C, F, K or L that is sold in client’s state by any Forethought Life Insurance Company. 10 Medicare Ad

be looking at him through this square, lighted window of glazed paper. As if to protect himself from her. As if to protect her. In his outstretched, protecting hand there’s the stub end of a cigarette. She retrieves the brown envelope when she’s alone, and slides the photo out from among the newspaper clippings. She lies it flat on the table and stares down into it, as if she’s peering .