For example:

• Issue age 0 – 85.
• $5,000 minimum coverage.
• While premiums are payable for life, you may stop your payments early (for example, at retirement) and elect a reduced benefit that is fully paid-up.
• If purchased at an early age, an Ordinary Whole Life policy gives you a substantial — and guaranteed — cash accumulation in your later years.
• This cash accumulation can provide ongoing supplemental income at retirement.
• You may access an Ordinary Whole Life policy’s cash reserves for personal or family emergencies.
• Ordinary Whole Life premiums never go up; they remain level as long as you keep your policy.
• For a modest additional premium, you may purchase Accidental Death Benefit and Waiver of Premium Riders.
• Separate rates for male/female; nonsmoker/smoker.
• Ordinary Whole Life certificate holders are eligible for a variety of other FCSU benefits, including scholarships for those who qualify, and cultural and athletic programs.
• Dividends begin when declared.*

* Dividends are not guaranteed.

Single Premium Whole Life policies make excellent gifts. Honor a newborn or a newlywed with a fully paid-up life insurance policy.

Important features of Single Premium Whole Life include:

• $5,000 minimum coverage.
• You make only one premium payment during your whole lifetime.
• A Single Premium Whole Life policy can be issued for any age from infancy to age 85.
• The policy can be issued in any amount (subject to medical limitations).
• Separate rates are available for males/females; smokers/nonsmokers.
• The death benefit is level, but can be supplemented by additional insurance should your needs change.
• Single Premium Whole Life certificate holders are eligible for a variety of other FCSU benefits, including scholarships for those who qualify, and cultural and athletic programs.
• Dividends begin when declared.*

* Dividends are not guaranteed.

Owners of the 20 Payment Life plan pay premiums for only 20 years, and then own their paid-up policies.

Features of the 20 Payment Life plan include:

• Issue age 0 – 85.
• $5,000 minimum coverage.
• Cash value continues to grow even after you stop making premium payments.
• Cash value grows faster than with Ordinary Whole Life policies.
• Riders for Accidental Death Benefit and Waiver of Premium can be added.
• 20 Payment Whole Life certificate holders are eligible for a variety of other FCSU benefits, including scholarships for those who qualify, and cultural and athletic programs.
• Dividends begin when declared.*

* Dividends are not guaranteed.

JEP allows you to offer any child, from infancy to age 25, a significant amount of Term Life Insurance with the guaranteed ability to convert that term coverage into a permanent life insurance contract.

Here’s how the JEP works. You select the amount of Term Life Insurance coverage you want to provide from our low premium schedule – any amount between $10,000 and $100,000. During this term insurance period, the JEP certificate holder (the child) earns conversion credits toward the future purchase of an FCSU permanent life insurance policy.

At conversion, the JEP certificate holder can select the type of permanent insurance plan he or she prefers. The earned conversion credits will be applied to lower the new policy’s first year premium.

The young adult now has a permanent life policy that can begin accruing cash and loan value and is eligible for dividends.

Other JEP benefits include:

• One low premium per $1,000 of coverage for all ages.
• The right to purchase permanent insurance prior to age 25 is guaranteed, and no medical exam is required.
• JEP certificate holders are eligible for a variety of other FCSU benefits, including scholarships for those who qualify, and cultural and athletic programs.

At age 18 he or she will continue to have insurance coverage, and can elect to receive the accumulated annuity funds for the amount purchased.

These funds can be used for college, business start up, or any other endeavor. The basic plan unit is $1,000 annuity at age 18 and $1,000 life insurance.

Any child up to age 15 is eligible, and premiums for this plan can be made by either a one-time single premium or by convenient low annual premiums.

Features of the Juvenile Life With Savings Plan include:

• $5,000 and $10,000 plans are also available.
• The plan matures on the certificate anniversary date nearest age 18.
• Death benefits are payable from the time the plan is purchased.
• Dividends (if payable) on the Life certificate portion do not begin until age 18. (Dividends are not guaranteed.)
• At age 18, the annuity cash value may be left with the FCSU to accumulate at the annuity interest rate.
• Juvenile Savings Plan certificate holders are eligible for a variety of other FCSU benefits, including scholarships for those who qualify, and cultural and athletic programs.

Please consult your tax advisor for specific tax guidelines.

Withdrawals before age 59 1/2 may be subject to a federal tax penalty.

This plan is ideal for those with a limited life insurance budget, such as parents with growing families or someone starting a profession or building a business.

Yearly Renewable Term can be issued to anyone age 25 through 75 (70 in New York) in amounts of $25,000 and up.

Premiums increase annually and term policies do not accrue cash or loan values. However, they do allow you to purchase substantially more life insurance coverage than other types of policies –ideal for growing families or growing businesses.

Other benefits of the Yearly Renewable Term include:

• You automatically have the right, up to age 98 (age 70 in New York), to renew your policy each year without providing evidence of insurability.
• The policy is convertible, meaning that any time up to age 75 (70 in New York) you can convert your Term Insurance into a permanent or paid-up Whole Life Plan, again without evidence of insurability.

The Yearly Renewable Term plan does have a $25 annual policy fee.

Features of the 10 Year Level Term include:

• Issue ages are 16 through 65.
• The death benefit is level.
• Premiums are fixed and payable for ten years.
• Benefits may be renewed for successive 10-year periods, but not beyond age 75.
• Benefits may be converted to any permanent plan for the same or less insurance, with out evidence of insurability, to age 75.
• Upon renewal at ages 66-74, the coverage goes only to age 75 and not for a full 10 years.

The 10 Year Renewable Term plan does have a $25 annual policy fee.

The plan provides protection against your untimely death for your growing family, while establishing a profession, while your business is expanding or to cover your mortgage.

You have the right to convert your 20 Year Term Insurance  into any PERMANENT plan issued by FCSU Financial® for the same or less insurance (except term insurance) without evidence of insurability before the end of 20 years, but not after age 75.

The death benefit is level for 20 years. Premiums are level and payable for twenty years. Benefits may not be renewed after 20 years; a new application must be submitted to apply for additional term coverage. Issue ages are 16 through age 80.

A wavier of premium benefit is available for issue ages 16-55. The Waiver Benefit waives premiums for 20 years. If disability exists at the end of 20 years, conversion is automatically to an Ordinary Life policy with the Ordinary Life premiums waived during continued disability.

The Accidental Death Benefit (ADB) is available for issue at ages 0-65, but not beyond age 70.

The 20 Year Level Term plan does have a $25 annual policy fee.