A company you can count on A promise of financial strength is only as good as the company that makes it. When Kansas City Life makes a promise, we stand behind it. Since 1895, we have assisted policyholders through world wars, the Great Depression and various periods of recession and inflation. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. To us, integrity is not an outdated notion in today’s fast-paced world. It is the guiding force behind every decision we make. Every product we sell is backed by more than a century of quality service and financial security.
With the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan.
K ansas C ity L ife I nsurance C ompany
Term Conversion
The Lioness...protecting her own. 3520 Broadway Kansas City, MO 64111 (816) 753-7000 www.kclife.com 2898
A Permanent Solution 8/07L
Term or Permanent Life Insurance: Which Is Right for You? Making the right decision when it comes to your life insurance isn’t always easy. And with the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan. Now may be the time to consider if a permanent life insurance policy is right for you.
Term Vs. Permanent Most people purchase term life insurance to protect a growing family from the loss of the breadwinner. The low initial premiums make it affordable while the high death benefit fills the protection need. Because most term insurance premiums rise with age, this type of policy often becomes excessively expensive and may no longer serve your needs. Depending on your goals, there are many reasons to convert to a permanent life insurance product. • Term premiums are increasing each year. • The end of the level premium period is approaching. • A life-long, permanent coverage need emerges. • Cash accumulation and retirement income need develops.
With permanent life insurance . . . . • Flexible premiums are available for the life of your policy. • You can use the policy’s cash values to help supplement retirement, college expenses and other future cash needs through policy loans and/or withdrawals.
KANSAS CITY LIFE INSURANCE COMPANY
Conversion Features Most term policies include a conversion privilege which provides an opportunity to convert to a permanent policy by a certain date. In addition, some term policies may offer a conversion credit that can make converting even more economical. One advantage of converting to permanent life insurance instead of purchasing a new permanent policy is that there is no need for medical or financial requalification. Contact
your
life
insurance
a g e n t to g e t a n s we r s to a l l yo u r l i fe i n s u ra n ce q u e s t i o n s a n d f i n d out how a conversion to permanent l i f e i n s u r a n c e c a n b r i n g yo u o n e step closer to achieving your goals.
o I am interested in discussing my life insurance needs with you. Please contact me.
Name__________________________________ Address_________________________________ City/State/ZIP____________________________ Phone/Best time to call _____________________ _______________________________________
o I know someone who might like to
discuss their life insurance needs with you. Please contact:
Name__________________________________ Address_________________________________ City/State/ZIP___________________________ Phone__________________________________ Your name (optional)_______________________ _______________________________________ Please return tear-off card to your life insurance agent. 2898card
2/07L
Term or Permanent Life Insurance: Which Is Right for You? Making the right decision when it comes to your life insurance isn’t always easy. And with the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan. Now may be the time to consider if a permanent life insurance policy is right for you.
Term Vs. Permanent Most people purchase term life insurance to protect a growing family from the loss of the breadwinner. The low initial premiums make it affordable while the high death benefit fills the protection need. Because most term insurance premiums rise with age, this type of policy often becomes excessively expensive and may no longer serve your needs. Depending on your goals, there are many reasons to convert to a permanent life insurance product. • Term premiums are increasing each year. • The end of the level premium period is approaching. • A life-long, permanent coverage need emerges. • Cash accumulation and retirement income need develops.
With permanent life insurance . . . . • Flexible premiums are available for the life of your policy. • You can use the policy’s cash values to help supplement retirement, college expenses and other future cash needs through policy loans and/or withdrawals.
KANSAS CITY LIFE INSURANCE COMPANY
Conversion Features Most term policies include a conversion privilege which provides an opportunity to convert to a permanent policy by a certain date. In addition, some term policies may offer a conversion credit that can make converting even more economical. One advantage of converting to permanent life insurance instead of purchasing a new permanent policy is that there is no need for medical or financial requalification. Contact
your
life
insurance
a g e n t to g e t a n s we r s to a l l yo u r l i fe i n s u ra n ce q u e s t i o n s a n d f i n d out how a conversion to permanent l i f e i n s u r a n c e c a n b r i n g yo u o n e step closer to achieving your goals.
o I am interested in discussing my life insurance needs with you. Please contact me.
Name__________________________________ Address_________________________________ City/State/ZIP____________________________ Phone/Best time to call _____________________ _______________________________________
o I know someone who might like to
discuss their life insurance needs with you. Please contact:
Name__________________________________ Address_________________________________ City/State/ZIP___________________________ Phone__________________________________ Your name (optional)_______________________ _______________________________________ Please return tear-off card to your life insurance agent. 2898card
2/07L
Term or Permanent Life Insurance: Which Is Right for You? Making the right decision when it comes to your life insurance isn’t always easy. And with the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan. Now may be the time to consider if a permanent life insurance policy is right for you.
Term Vs. Permanent Most people purchase term life insurance to protect a growing family from the loss of the breadwinner. The low initial premiums make it affordable while the high death benefit fills the protection need. Because most term insurance premiums rise with age, this type of policy often becomes excessively expensive and may no longer serve your needs. Depending on your goals, there are many reasons to convert to a permanent life insurance product. • Term premiums are increasing each year. • The end of the level premium period is approaching. • A life-long, permanent coverage need emerges. • Cash accumulation and retirement income need develops.
With permanent life insurance . . . . • Flexible premiums are available for the life of your policy. • You can use the policy’s cash values to help supplement retirement, college expenses and other future cash needs through policy loans and/or withdrawals.
KANSAS CITY LIFE INSURANCE COMPANY
Conversion Features Most term policies include a conversion privilege which provides an opportunity to convert to a permanent policy by a certain date. In addition, some term policies may offer a conversion credit that can make converting even more economical. One advantage of converting to permanent life insurance instead of purchasing a new permanent policy is that there is no need for medical or financial requalification. Contact
your
life
insurance
a g e n t to g e t a n s we r s to a l l yo u r l i fe i n s u ra n ce q u e s t i o n s a n d f i n d out how a conversion to permanent l i f e i n s u r a n c e c a n b r i n g yo u o n e step closer to achieving your goals.
o I am interested in discussing my life insurance needs with you. Please contact me.
Name__________________________________ Address_________________________________ City/State/ZIP____________________________ Phone/Best time to call _____________________ _______________________________________
o I know someone who might like to
discuss their life insurance needs with you. Please contact:
Name__________________________________ Address_________________________________ City/State/ZIP___________________________ Phone__________________________________ Your name (optional)_______________________ _______________________________________ Please return tear-off card to your life insurance agent. 2898card
2/07L
A company you can count on A promise of financial strength is only as good as the company that makes it. When Kansas City Life makes a promise, we stand behind it. Since 1895, we have assisted policyholders through world wars, the Great Depression and various periods of recession and inflation. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. To us, integrity is not an outdated notion in today’s fast-paced world. It is the guiding force behind every decision we make. Every product we sell is backed by more than a century of quality service and financial security.
With the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan.
K ansas C ity L ife I nsurance C ompany
Term Conversion
The Lioness...protecting her own. 3520 Broadway Kansas City, MO 64111 (816) 753-7000 www.kclife.com 2898
A Permanent Solution 8/07L
A company you can count on A promise of financial strength is only as good as the company that makes it. When Kansas City Life makes a promise, we stand behind it. Since 1895, we have assisted policyholders through world wars, the Great Depression and various periods of recession and inflation. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. To us, integrity is not an outdated notion in today’s fast-paced world. It is the guiding force behind every decision we make. Every product we sell is backed by more than a century of quality service and financial security.
With the life changes that are sure to come, having the information you need to make smart decisions is key to a sound financial plan.
K ansas C ity L ife I nsurance C ompany
Term Conversion
The Lioness...protecting her own. 3520 Broadway Kansas City, MO 64111 (816) 753-7000 www.kclife.com 2898
A Permanent Solution 8/07L