The Junior Special Life Policy from Shelter Life Insurance Company provides term life insurance coverage for children from infancy through age 26. For a single premium of $555, a $20,000 policy can be purchased that requires no further payments until the child reaches age 26. The policy also includes a Guaranteed Insurability Rider that allows the child to purchase additional permanent life insurance between ages 25-40 without a health exam, up to a maximum of $600,000 total coverage.

1. Shelter Life Insurance Company The Junior Special Life Policy AUTO ● HOME ● LIFE

3. $20,000 term life policy Purchased through age 17 $555.00 premium one time only & it is paid until age 26. Or. . .

4. This is slightly more than $1.50 per day for only 12 months ! The policy would then provide coverage until the child reaches age 26, with no further premiums. $47.18 per month for 12 months

5. What if your child becomes uninsurable before age 26?

6. Example: $20,000 plan to age 26 The child will have the option to purchase up to 5 times the face amount ($100,000) of permanent life insurance PLUS valuable Guaranteed Insurability Rider Protection at the attained age rates beginning at age 25. THERE WILL BE NO RATE UPS, regardless of health history!

7. At age 25, Shelter will make the first offer. They may purchase up to 5 times the face amount of permanent life insurance then being offered by Shelter Life and at the insured's attained age. With the purchase of the Guaranteed Insurability Rider, additional permanent life insurance will be made available every 3 years from age 28 thru age 40.

8. The Guaranteed Insurability Rider will provide the option to purchase additional permanent insurance at ages 28, 31, 34, 37 and 40. If the conversion options and all the GIR options are taken, the insured could obtain up to $600,000 of valuable life insurance regardless of health history!

9. At any option selected, the insured will pay the premiums for the selected amount of permanent life insurance then being offered by Shelter Life at the attained age.

10. If the insured marries, one option may be exercised, regardless of age. As children are born to or adopted by the insured, another option may be exercised for each child, but no more than six options may be used. Once an option is bypassed , it may not be regained. Each special option used replaces the next regular option.

11. 6 amounts available $555.00 $20,000 $450.00 $15,000 $397.50 $12,500 $345.00 $10,000 $292.50 $7,500 $240.00 $5,000 Single Premium to age 26 Initial Face Amount of Insurance

12. Convenient monthly premiums are available for the first 12 months. One-time payment, Semi-Annual payments and Quarterly payments are also available. $20.40 $5,000 $47.18 $20,000 $38.25 $15,000 $33.79 $12,500 $29.33 $10,000 $24.86 $7,500 Monthly Premium for 12 Months Initial Face Amount of Insurance

13. One Policy… One Premium… One Terrific Gift for Tomorrow! Let’s complete an application!

14. Thank you very much for your time and consideration. Form No. L-096.4 in Colorado, Iowa, Kansas, Kentucky, Mississippi, Missouri & Nevada L-096.5 in Arkansas, Louisiana, Nebraska & Tennessee L-096.6 in Indiana L-096.7 in Oklahoma L-096.8 in Illinois Shelter Life Insurance Company Columbia, Missouri