Century Whole Life

Beneficial's Century whole life is named in honor of the Company's first 100 years. Whole life is designed to last a lifetime or to endow at age 100. It provides a guaranteed cash value, guaranteed death benefit, and guaranteed premium. In addition, Century has an improved dividend scale and strong long-term cash values. Don't just protect part of your life. Protect your whole life.

The advantages of whole life
When you decide to purchase whole life insurance, you're getting a solid set of guarantees. You can count on Century to be there when you need it. Here are just a few of the great benefits:

• Guaranteed death benefit. Whole life provides permanent protection for your entire life. If you pay the required premium, you have a guaranteed death benefit for life.
  
  
• Guaranteed cash values. Whole life builds guaranteed cash values. In addition, Beneficial's Century whole life is eligible for nonguaranteed dividends that you can receive in cash or use to enhance the policy (i.e., decrease the premium, increase the death benefit and cash value, or decrease a policy loan). Policy cash values and dividends can be used as you wish—for college costs, business opportunities, emergencies, etc. (Policy loans and withdrawals will reduce cash value and death benefit.)
  
  
• Level premium and lower long-term cost. Although whole life has a higher initial premium than term, whole life premiums remain level throughout the insured’s lifetime and eventually become less than increasing term premiums. Whole life is less expensive than term when covering long-term needs.

Riders and benefits enhance Century whole life
In addition to an improved dividend scale and better long-term cash values, Beneficial offers several riders and benefits with Century whole life that can expand your options and make Century even more competitive. These riders include the unique ABCI Rider and the Charitable Giving Benefit (described below), which are especially valuable because they are provided at no additional cost. And Beneficial Term riders can be added to Century policies to provide greater coverage on the primary insured and/or to insure one or more additional insureds.

• ABCI Rider. Beneficial’s innovative Accelerated Benefits Rider for Chronic Illness gives exceptional flexibility at a time when you may have an urgent need for funds. The policyowner of an applicable Beneficial whole life or universal life policy, issued as standard risk (nonrated), can apply for the immediate payment of a discounted amount in lieu of all or a portion of the policy death benefit if the insured is unable to perform any two of the six activites of daily living. The ABCI benefit can be used in any way the policyowner chooses—there are no restrictions on how the funds are used. Note that the ABCI is not a long-term care rider or a medical-reimbursement benefit.
  
  
• Charitable Giving Benefit. This valuable benefit gives policyowners of Century whole life the ability to make a donation to their favorite qualified charity at no additional cost. Upon the death of the insured, Beneficial will donate 1 percent of the policy face amount, excluding riders, to a qualified charity or civic organization chosen by the policyowner. The Charitable Giving Benefit provides a minimum donation of $500 and a maximum donation of $10,000. The contribution is paid out in addition to the policy death benefit—i.e., the donation does not reduce the proceeds payable to the beneficiary.
  
  
• Beneficial Term riders. Owners of Beneficial’s Century whole life can add a Beneficial Term rider to the base policy, which gives them significant flexibility in designing coverage for themselves and/or additional insureds (family members or business associates).
  
  

To find out more or get a price quote, click here to find a Beneficial agent near you. If you wish, a Beneficial financial professional can also help you analyze your situation and provide you with personalized options and solutions to help you reach your financial goals.

Century Whole Life form: 1-736-74. Accelerated Benefit for Chronic Illness form: ABCI-04-1 or ABCI-04-02. Charitable Giving Benefit form: E-CHARIT. Fixed life products are offered by Beneficial Life Insurance Company, 150 Social Hall Ave., P.O. Box 45654, Salt Lake City, Utah 84145-0654, (801) 933-1100. These products are not available in all states. Beneficial Financial Group is a marketing name for Beneficial Life Insurance Company, its affiliated companies, and sales representatives. The policy contains the actual governing contractual provisions. Guarantees are subject to the claims-paying ability of the insurer. Beneficial Financial Group and its respective agents, representatives, and/or advisors, do not offer tax or legal advice. Please consult your attorney, accountant, or tax advisor about specific points of interest to you.