The Junior Special Life Policy provides life insurance coverage for children from infancy through young adulthood. The policy covers children from the diaper years through teenage years, college years, and possibly 4-5 years into their careers. Coverage is guaranteed until age 26 with no additional premiums. If the child becomes uninsurable before age 26, they have the option to purchase additional permanent life insurance at attained age rates. The policy also includes a guaranteed insurability rider allowing the purchase of additional permanent life insurance between ages 25-40 regardless of health history. Premiums range from $20.40-$47.18 per month or $240-$555 as a one-time payment.

1. The Junior Special Life Policy

2. Why should you purchase a Junior Special policy? The diaper years Provides Life Insurance coverage for your child through…

3. Why should you purchase a Junior Special policy? The diaper years Provides Life Insurance coverage for your child through… The teenage years

4. Why should you purchase a Junior Special policy? The diaper years Provides Life Insurance coverage for your child through… The teenage years The college years

5. Why should you purchase a Junior Special policy? The diaper years Provides Life Insurance coverage for your child through… The teenage years The college years Possibly 4-5 years into their careers

6. Why should you purchase a Junior Special policy? The diaper years Provides Life Insurance coverage for your child through… The teenage years The college years Possibly 4-5 years into their careers

7. $20,000 term life policy purchased through age 17 $555.00 premium one time only and it is paid until age 26. Or. . .

8. Policy provides coverage until child reaches age 26, with no additional premium. $47.18 per month for 12 months Slightly more than $1.50 per day for only 12 months !

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

10. 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! Example: $20,000 plan to age 26

11. At age 25, Shelter will make the first offer. The child 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.

12. 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.

13. The Guaranteed Insurability Rider will provide the option to purchase up to $500,000 of additional permanent insurance, regardless of health history!

14. 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.

15. If the insured marries, one option may be exercised, regardless of age.

16. As children are born to or adopted by the insured, another option may be exercised for each child, but no more than five options may be used.

17. 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 One Time Payment Coverage to Age 26

18. Convenient monthly premiums are available for the first 12 months. One-time, Semi-Annual, 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 Coverage To Age 26

19. Let’s complete an application! One Policy… One Premium… One Terrific Gift For Tomorrow

20. Thank you very much for your time and consideration. Form # 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