PRODUCTS & PORTFOLIO

UNIQUE CONCEPTS:
The offering of Citizens National Life Insurance Company’s ("CNLIC") Fortune Builder products is one of the most exciting living life insurance benefit options available in the U.S. today.  This unique, whole life, cash accumulation concept addresses major financial concerns of individuals and their loved ones.

Research shows people are now living longer past the age of 65.  In fact, it suggests we should expect to live up to 30, 40, or even 50 years beyond age 65.  Therefore, when it comes to the subject of purchasing life insurance, the question is no longer "Will I die?"  Rather, more to the point of "Will I be financially prepared to live 30, 40, or 50 years after retirement?"  CNLIC’s Fortune Builder products are designed to address this issue of outliving your monthly income and at the same time, provide death benefits in the event of an early demise.

Depending on the insured's age when the policy is obtained, it can provide a monthly guaranteed lifetime income several times the premium amount the owner originally paid for the plan.*  In other words, you can have a lifetime income, complete death protection, and the amount you pay for the plan will be paid back to you, regardless of whether you live or die.  Does that sound like something you and your family would be interested in learning more about?

MEETING CLIENT NEEDS:
CNLIC’s products focus on living benefits, accumulating money for yourself and your loved ones, while providing death insurance as an additional benefit.  CNLIC’s premier product, the Citizens Cash Accumulation Plan (CCAP), contains tax-deferred, cash accumulation features, which build up cash and annuity values, 20-year return the premium death benefit, waive payments in the event of total disability, and pay triple death benefits if death is accidental.  The purpose of the CCAP is to allow you to create personal capital for living needs such as: retirement income, funds for children's higher education, potential business ventures, emergencies and health care, etc.

COMPONENTS:
The uniqueness of the CCAP lies in the fact it is custom-designed, featuring special living-benefit insurance. There are two guaranteed, living-benefit components to every policy.  They include a guaranteed cash-value accumulation policy, and a guaranteed interest-bearing annuity. This dual cash build-up construction allows (after the first payment) a significant part of each payment the owner makes to go into the cash value policy and annuity to create income for the owner's future use. The annuity is flexible, free of initiation cost, and free of surrender charges; in other words, an owner may deposit or withdraw funds from the annuity with no loss in dollar value.*  The secret to the growth of the money the owner pays is in the compound interest the owner earns over a period of time.  There are a few limitations on withdrawals, but no surrender fees or charges.

ANNUAL BENEFITS:
Beginning the second policy year, and each year thereafter, half of the annual premium amount the owner pays is credited to the owner's annuity, presently earning a compound interest rate of 3%.  There is no limit to the amount of additional money the owner can place in the annuity.  There are no surrender charges, no entry fees or costs, and, the owner can safely accumulate as much money as the owner wishes for future personal needs.

*Tax and penalties could apply to withdrawals.  Please consult your tax professional prior to withdrawal.

CITIZENS NATIONAL PORTFOLIO

FORTUNE BUILDER SERIES

  1. CITIZENS CASH ACCUMULATION PLAN (CCAP):
    • Minimum payment $25 per month
  2. EXECUTIVE WHOLE LIFE:
    • Minimum $25,000 face amount
  3. LITTLE CHAMPION WHOLE LIFE:
    • Basic 5-10-15 Preferred Life Insurance Plan
    • Double Indemnity
    • Permanent Cash Value
  4. MAC WHOLE LIFE:
               Double Indemnity
  5. SPECIAL PROVISIONS THAT CAN BE ADDED TO WHOLE LIFE POLICIES:
    • Spouse to age 65 term convertible rider
    • Children to age 25 term convertible rider
    • Death of Payer benefit
    • Beneficiary Accidental Death benefit
    • Flexible Premium Deferred Annuity
    • Triple Accidental Death benefit
    • 20-year Return of Premium benefit
    • Disability Waiver of Premium benefit
  6. TERM POLICY RIDERS
    1. LEVEL CONVERTIBLE TERM RIDERS THAT CAN BE ADDED TO WHOLE LIFE POLICIES:
      • Ten-year
      • Fifteen-year
    2.  DECREASING CONVERTIBLE TERM RIDERS THAT CAN BE ADDED TO WHOLE LIFE POLICIES:
      • Fifteen-year decreasing term
      • Twenty-year decreasing term
      • Twenty-five-year decreasing term
      • Thirty-year decreasing term
  7. FINAL EXPENSE

To obtain information about these products or sales opportunities with Citizens National Life Insurance Company, please contact the U.S.A. Marketing Department by e-mail: MarketingUSA@citizensinc.com.