These flexible insurance certificates protect your family while building financial security.
A Universal Life certificate from National Catholic Society of Foresters provides protection for your family while building a secure financial resource for your future.

NCSF’s Universal Life plan offers you the flexibility and benefits you need to manage the changes that occur during your life. Your certificate gives you protection when you need it most and also provides savings for unforeseen events.

You're in control of your finances.
The flexibility of NCSF Universal Life means you can customize your insurance coverage to your current needs. You can increase or decrease coverage based upon your current responsibilities.

You can even change the amount and frequency of your premium payment to meet the demands of your budget.

The money you invest is yours to use.
NCSF Universal Life is there to help you through an emergency or enables you to take advantage of an opportunity. You can make a partial withdrawal of cash values or give yourself a loan when you need it. You will receive an annual report showing the cash value of your certificate and any transactions.

Your NCSF Universal Life plan offers more than just insurance protection. You get the tax advantage of sheltered cash value increases and tax-free death benefit proceeds. However, this is based on current tax law, which can change. Please consult your attorney or tax advisor for specific questions regarding Universal Life.

Options that meet your needs.
You can focus on today’s needs and plan for tomorrow’s dreams with the choice of two death-benefit options:

Option A — Level Death Benefit. You select a fixed amount for the death benefit. This amount includes the cash value of the certificate. Your cash value grows faster with this option.
Option B — Increasing Death Benefit. You select the amount of death benefit and it is paid in addition to the cash value. Option B provides you with more life insurance in later years.

More flexibility for you.
NCSF Universal Life adds extra value to your insurance coverage with optional riders you can purchase:

	Increase your own coverage by a specified amount when your life requires you to take on more responsibility.
	Add coverage of a spouse (Other Insured Persons Insurance Rider).
	Extend coverage to your children without taking out another certificate (Children’s Insurance Rider).
	Have your premium paid if you become totally disabled (Total Disability Rider).
	Protect your future insurability by guaranteeing increased coverage regardless of your health (Guaranteed Insurability Option Rider).

Your NCSF agent can supply you with illustrations for specific age, coverage and premium amounts.