1. Today, we get Covered!
One day, we die.One day, we die.
Today, we get Covered!
Settlers Life Insurance Company
Administrative Office
1969 Lee Highway • P.O. Box 8600
Bristol, VA 24203-8600
Toll Free (800) 542-8711
www.settlerslife.com
With roots dating back to 1933, Settlers Life has been
providing whole life insurance policies and riders to
help people prepare for their end-of-life financial needs
and challenges.
Why Settlers Life?
1
Figures drawn from the 12/31/2014 Annual Statement of Settlers Life Insurance Company. 2
As of February 2015, the A.M. Best
Company, Inc. is the oldest and most widely recognized rating agency dedicated to the insurance industry. A.M Best states that
an A minus rating “is assigned to companies which have, in our opinion, an excellent ability to meet their ongoing obligations to
policyholders.” 3
Claims figures are drawn from Settlers Life’s internal claims records. 4
After receipt of required documentation.
Financial Snapshot:
As of December 2014, Settlers Life’s assets exceed $400
million, with more than $50 million in capital and
surplus, and over $1.7 billion dollars of life insurance in
force.1
Rated A- (Excellent) by the A.M.
Best Company.2
Focus on paying claims.
Over $323 million in claims paid since 2000!3
Most claims paid within 24 hours 4
S-4606

2. Get Covered!
1
Not available for Bronze Plans or any plan in ND. Terms and conditions apply. Bronze/Bronze II policies provide a reduced
benefit for deaths due to natural causes in the first two years - total of premiums paid plus 10%. Full death benefits are paid
beginning with third year of coverage. Full death benefit paid in first two years for deaths due to an accident, as defined in the
policy. 2
Accelerated Death Benefit Rider is added to all Gold, Silver, and Silver II policies with face amounts of $5,000 or more at
no additional cost. Rider allows you to apply for up to 75% of current policy death benefit if (i) you are diagnosed by a physician
with a terminal condition with a life expectancy of six months or less; OR (ii) as requiring Continuous Confinement in an Eligible
Nursing Home with the expectation that you will remain there until death. If the policy funds are payable through this rider,
the benefits paid under this rider may be taxable. Receipt of these funds may also affect the eligibility for Medicaid and other
government benefits. 2014 Policy Series WLP2300 and IMWLP300
That’s why we also provide you and your family with the following
end-of-life services at no additional cost:
We think life insurance should be more
than a piece of paper and a promise.
Yes No
The Government
If you qualify, your loved ones will receive
$255 from Social Security to bury you.*
Your Kids/Grandkids
Is it fair to burden them financially with
your burial expenses?
You
Make certain you’re in charge of your life
and your death.
You may be healthy. Perhaps, you’ve had an illness. Maybe
you’ve even handled the funeral arrangements for a loved one.
The average funeral costs
$8,343
1
!$8,343
1
!
Additional fees for cemetery, monument, flowers, &
obituaries can increase this cost to nearly $10,300²
Considering the average costs over the past 40 years and
projecting out at 5% inflation per year, by 2030 the cost
would be $18,276³
Few people have the resources to pay for an entire funeral.
Your survivors may have to depend on their own savings,
credit cards, or even loans to cover the costs.
Families can make up to
decisions in the first hours after
death. Usually, these decisions
are made under great pressure and
sadness.
130
24
Why prepare today?
¹2013 NFDA General Price List Survey. ²Cost of an Average Funeral
www.funerals.org/frequently-asked-questions/940-consumercemeteryguide accessed 2/12/15 ³Does not include cemetery costs.
*According to Social Security Rules and Regulations 404.390
Death and the costs of dying
can be expensive.
Who will pay
these costs
when you die?
Up to $50,000 in life insurance coverage
Plans available for ages 15 days - 85 years
Premium rates will never increase
Coverage will never decrease
Qualify even with health conditions!
Issuance of a policy is dependent upon the answers to application’s health questions.
Optional accidental death benefit rider available
Available money to help pay nursing home expenses2
Available money if diagnosed with a terminal illness2
Up to $5,000 child/grandchild coverage at no additional cost!1
Aid in finding a funeral home or cemetery to help with planning
your final arrangements.
Aid in finding a home care agency, assisted living facility, or
nursing home
Assistance locating a care manager, local hospice provider, or elder
care attorney to discuss your options
Concierge assistance...we’re a phone call away. Just ask us, and
we’ll help find a resource for you