Universal Life

Permanent cash-value life insurance that offers flexibility to change coverage amount, benefits or premium amounts to meet personal obligations at various life stages; i.e. college, marriage, mortgage, children, education and retirement.

Why Life Insurance?

Life insurance is purchased because our loved ones must go on living. CSA offers a selection of products that could fit any budget. Plus, our knowledgeable representatives can tailor a financial security program that best fits your insurance needs.

PlanType
Universal Life insurance that matures at age 100

Features

  • No-Lapse Guarantee provides coverage from the issue date until the end of the guarantee period if guaranteed premiums are paid timely.
  • Benefit Reports are prepared each anniversary showing actual accounting of premiums received, values and interest earned.

Underwriting Rate Classifications

  • Smoker
  • Nonsmoker (no tobacco use in previous 12 months)

Death Benefit Flexibility

  • Option A - Level death benefit
  • Option B - Death benefit plus cash value
  • Decrease: Available any time after the first policy year
  • Increase: Available any time subject to evidence of insurability provided by policy owner

Premium

  • Competitive rates based upon 2001 CSO table
  • Rates based upon insured’s age nearest birthday
  • Flexible premiums - policy owner chooses amount and frequency of premium subject to guaranteed minimum

Surrenders

  • Available any time after the first policy year
  • Surrender charges applies to the first 10 policy years

* NOT AVAILABLE in New York or New Jersey
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Product Information!

Certificates issued by:

CSA FRATERNAL LIFE
122 W. 22ND ST.
OAK BROOK, IL 60523-1557

All plans not available in all states. Issue ages may vary depending upon plan and eligible rate class. Contract provisions and benefits may vary by state.

The underwriting risks, financial obligations and support functions associated with the policies issued by CSA Fraternal Life are solely its responsibility. CSA Fraternal Life is responsible for its own financial condition and contractual obligations. CSA Fraternal Life does not solicit business in all states.

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Fraternal Benefits available to eligible Universal Life members

  • Scholarship - Undergraduate grants are awarded to eligible members attending an accredited institution full time.
  • Children security benefits available in the form of income, education grants and/or premium waiver during minority in the event of the death of one or both parents.
  • Adult safeguard benefits for expenses not reimbursed by a relief agency in the event of a natural disaster, accidental death or physical injury incurred as a crime victim.
  • Newborn death benefit and guaranteed insurability option.
  • ScriptSave - Personalized prescription drug discount card that is recognized by participating pharmacies nation wide.
  • LifeLink, is a premier medical emergency alert system available to CSA members at an affordable, one-time discounted charge.