https://www.kofcshield.ca/home daily 1.0 2025-03-26 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587860319577-J4PHVYXLX70ZOTYP4RRS/36802321_1816102565141669_8751485212698869760_n.jpg K of C BC Yukon Agency Home https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587698521167-GJ9AHPHTPGGEN40QS1FE/disability.jpg K of C BC Yukon Agency Home - Disability Insurance A replacement for income lost due to disability, illness or accident that keeps you from working. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587698219113-VLDZ55NWMC06XFLX1CTK/longtermcare.jpg K of C BC Yukon Agency Home - Long Term Care Help for your long-term medical needs, either in a nursing home or the comfort of your own home. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587697985313-BC9A1H93GIMZUCTXNSM4/retirement+annuities.jpg K of C BC Yukon Agency Home - Retirement Annuities An annuity is a retirement savings product. You make contributions, and, after a specified amount of time, the annuity pays you a regular income stream. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587697220426-U4A0LXF4EYLM7Q28ACD9/termlife.jpg K of C BC Yukon Agency Home - Term Life Insurance Term life insurance provides affordable protection to your loved ones for temporary needs. It’s simple and straightforward. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587697704547-Z6HK7VBWQZG0XUT00XYZ/kofc-life-insurance-product%402x.jpg K of C BC Yukon Agency Home - Protector NLG Protector Universal Life-guaranteed product offers affordability and flexibility. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1587697038817-Z6L6UTRLGUCAMFA4CHEQ/permlife.jpg K of C BC Yukon Agency Home - Permanent Life Insurance Permanent life insurance is our signature product. It provides money to your family when you die, and builds cash value while you live. It’s guaranteed. It’s secure. It’s dynamic. https://www.kofcshield.ca/contact-us daily 0.75 2025-03-26 https://www.kofcshield.ca/our-team daily 0.75 2025-10-31 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/d7f0fbf7-f89d-455c-a68a-208465f609f7/JM_Hernandez_photo.jpg https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/49e4fe01-18e6-43dd-b7ed-cbf8c8d370ff/Bello+Ody+-+Headshot+2023+.JPG https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/d27e7da9-9a77-4a9e-a0f9-63ea0a3ef203/Pan%2C+Mark+3-2023.JPG https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588206398268-YF14BIXXVMO7TY5BQ82B/agodbout.jpg https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/08f86271-2fc0-4d29-930b-9b6caeee5f1e/BlaineAnhel_2_2.jpg https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/29a005b5-0e5c-4ffc-9418-629d9361e714/LeeWah%2C+Richard+%282%29.jpg https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/d488fa50-722a-4170-8de9-a96c72699de1/Eric+Boongaling.jpg https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588206268674-894TYTNHPJ26707BQHME/Joe%2BFaubert%2Bpic.jpg https://www.kofcshield.ca/about daily 0.75 2020-04-28 https://www.kofcshield.ca/financial-news daily 0.75 2020-05-05 https://www.kofcshield.ca/faith-resources daily 0.75 2020-05-06 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588716928394-THJJ9TIMXKC2F423G0F2/Praying-for-wife-AdobeStock_136007927-copy.jpg Faith News & Resources https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588716962891-AF08MEY6T91KLAKEQVUU/iStock-810709842.jpg Faith News & Resources https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588716762362-DPH3OAZMH6NDW2UX2LI4/web3-sunday-mass-meaning-tatjana-splichal-via-shutterstock_462646417.jpg Faith News & Resources https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588717102632-KKA7JFW3D9VB0Y2HUMFE/2011_07_13_Webb_ChurchNo_ph_Church.jpg Faith News & Resources https://www.kofcshield.ca/andrew-godbout daily 0.75 2026-01-08 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588816749716-YSH4LK75LK6V2U375EJU/andrew-transparent.png andrew-godbout https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588816731008-0JCCQSWTKNYKKXPY22Z4/kofclinsurance.png andrew-godbout https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588800302816-HKEKRN7UG9TC9LCEJKLQ/maxresdefault.jpg andrew-godbout - Putting Faith into Action Knights come from every stage of life, in countless corners of the world. We are Catholic men building a bridge back to faith. There is much good and necessary work to be done in this world, and that's what Knights do every day. We are Catholic men who lead, serve, protect and defend. We share a desire to be better husbands, fathers, sons, neighbors and role models and to put charity and community first. Our goal is to help men, their families and their parishes grow closer to Christ. Through our programs and resources, we provide opportunities to live and spread the Catholic faith. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788081162-6VLA3KHXJGPNS49AQHWU/disability-insurance.jpg andrew-godbout What is it? Disability income insurance helps replace lost income when you are unable to work due to a disability resulting from an illness or accident. Who needs it? Disability income insurance helps protect your most important financial asset – your paycheck – so it should be an important part of every family’s planning. Long-term disability is much more common than other unfortunate circumstances that are commonly covered by insurance. Consider the fact that you face a 1 in 100 risk of losing your home to a fire [1], but a 1 in 4 risk of suffering a long-term disability [2]. Despite the odds and the prevalence of long-term disability – nearly 11 million Americans are receiving federal disability benefits[3] – more than 100 million Americans are without private disability income insurance.[4] In addition, any disability income insurance you may have through your employer may very well be insufficient or contingent on certain circumstances (like worker’s compensation). How does it work? Knights of Columbus disability income insurance policies provide a monthly benefit amount over the course of a maximum benefit period (see below) designed to help replace the income that you would have otherwise received if you were able to work. You are free to use your disability income benefits in whatever way you see fit – just like you would with your own paycheck. Knights of Columbus Disability Income policies also come with special features, such as the total, partial, or presumptive disability income benefits, which help protect against special circumstances. As an added bonus, our disability income insurance policies come with a waiver of premium provision, which waives your policy’s premiums while you’re suffering from a disability. What options do I have? Benefit Period The maximum benefit period is the longest period for which monthly disability benefits are payable for any one period of a disability. The benefit resets once the disability concludes. You may choose from: 2-Year – Protect your paycheck with two years of disability income payments. 5-Year – Protect your paycheck with five years of disability income payments. To Age 67 – Protect all your working years with disability income payments until you reach retirement age. Monthly Benefit Working with your Knights of Columbus field agent, you establish the monthly benefit amount that the policy provides, based on your income and subject to certain limits. Elimination Period Disability income insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus disability income insurance products. For instance, the catastrophic disability rider provides an additional monthly benefit in the event of a catastrophic disability, and the cost of living adjustment rider helps your monthly benefit keep pace with inflation during a long-term disability. Contact your Knights of Columbus field agent today to learn more about our disability income insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788062630-2174DYL0SS6V1GKPGX0H/nlg.jpg andrew-godbout NEW HAVEN, Conn. Knights of Columbus (K of C), a Best’s Review Top 50 U.S. Life/Health Insurer[1], today announced the launch of its Protector NLG Universal Life insurance product. This product provides affordable guaranteed lifetime coverage*, flexible premium payment options and a low-cost guaranteed death benefit* that will ensure future obligations are met. The benefit protection includes a Lapse Protection Rider, as well. While guaranteeing death benefit coverage*, the Protector NLG Universal Life insurance product features flexibility in premium payment ability: from allowing shorter payment periods; the stopping and re-starting of premium payments; to the ability to lower premiums by paying up to age 100. A Lapse Protection Rider is automatically attached at issue and can ensure lifetime death benefit protection as long as this rider is active. Ron Franzluebbers, senior vice president and chief actuary of K of C, said, “Protector NLG Universal Life is a niche product designed for those approaching or above retirement age, who do not need a traditional whole life contract with cash value accumulation but want to ensure that they have affordable death benefit coverage for their entire lifetime.” Protector NLG Universal Life is available for purchase in the United States and Canada for individuals between 50 and 80 years old. Contact your Knights of Columbus field agent today to learn more about our Protector NLG Universal Life products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788001206-FFC7519AANDG90PCBE3N/termlife.jpg andrew-godbout What is it? Term life insurance provides affordable protection to your loved ones for temporary needs. It’s simple and straightforward. Who needs it? Knights of Columbus term life insurance may be an ideal solution for people with time-bound financial obligations who are interested in: Protecting your young family on a tight budget. Shielding your family against the remaining payments on your mortgage, so that they aren’t drowning in debt or forced to move if you die unexpectedly. Supplementing or replacing your income in case you die, so that your family can continue to live with the same level of financial comfort that they did when you were alive. Providing funds for your children’s college education in case of the unexpected. Enabling your loved ones to pay off your personal debt – like credit card or auto loan debt – should you pass away suddenly. How does it work? Knights of Columbus term insurance is designed to provide you with a maximum amount of coverage at affordable and competitive rates. Unlike permanent insurance, term insurance is temporary, and is designed to expire as your financial obligations expire. Our term insurance rates are guaranteed for the life of your policy, as is the amount of money that would be paid to your family should you pass away. Term insurance is also convertible. Depending on how you and your Knights of Columbus field agent customize your term insurance policy, you can convert some or all of your insurance to permanent coverage at a later date, without providing further proof of insurability. So, if your health changes and you have an active term policy, you can secure permanent coverage that you may have otherwise have been denied. What options do I have? 10 Year Term – Cover your family for 10 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 15 Year Term – Cover your family for 15 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 20 Year Term – Cover your family for 20 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. Annual Renewable Term – Review and renew your coverage annually, with adjusted premiums and a level death benefit. Young Adult Insurance – A special product for Knights and their spouses ages 18-29 to help them start their insurance protection. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products, such as the full conversion rider, which gives you the option to convert your Accelerator Term Insurance to permanent coverage. Contact your Knights of Columbus field agent today to learn more about our term life insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788084613-66579O31K9CQELE4REP7/retirement-income-insurance.jpg andrew-godbout What is it? An annuity is a retirement savings product. You make contributions, and, after a specified amount of time, the annuity pays you a regular income stream. Who needs it? There are few financial matters we give more thought and attention to than our retirement. Everyone thinks about it. Everyone needs it. Retirement annuities help you ensure that you have enough money to live on in retirement. But retirement income can be a difficult thing to calculate, especially with a changing landscape of federal and employee-provided benefits. With a properly structured retirement annuity from the Knights of Columbus, you can have retirement income that you cannot outlive, guaranteed. Retirement annuities provide security and peace of mind that people of all ages and financial circumstances can benefit from. How does it work? Knights of Columbus retirement annuities come with many different payment and plan types (see below) which determine the nature of the annuity. Once established, the money within a Knights of Columbus annuity continues to earn value, before eventually disbursing according to the options that you elect. Knights of Columbus annuities also come with two important guarantees. First, with a Knights of Columbus annuity, your principal is guaranteed. Regardless of market condition or company results, your Knights of Columbus annuity will not lose value. Second, each Knights of Columbus annuity comes with a guaranteed minimum interest rate. No matter the market fluctuations, your annuity is guaranteed to never earn less than the contractually stated amount on an annual basis. What options do I have? Payment Type There are three payment types for Knights of Columbus annuities: Single Premium Annuity – You make a single, lump-sum payment that accrues interest until you elect to begin withdrawals. Flexible Premium Annuity – Premium payments can be made on a regular or irregular basis. We encourage Electronic Transfer of Funds (EFT) with the frequency of payments determined by you. In addition, you have the option to choose your payment schedule. Single Premium Immediate Annuity – Purchased with a single payment, it begins to pay out immediately. Plan Types Knights and their families in Canada have two retirement annuity options: Registered Retirement Savings Plan Tax-Free Savings Account A special hybrid life insurance and retirement annuity product – a Registered Retirement Savings Plan Single Premium Whole Life insurance policy – is also available. Contact your Knights of Columbus field agent today to learn more about our retirement annuities, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788018906-OR9JB2AOA9WYKW2V2X5E/permlife.jpg andrew-godbout What is it? Permanent life insurance is our signature product. It provides money to your family when you die, and builds cash value while you live. It’s guaranteed. It’s secure. It’s dynamic. Who needs it? Permanent life insurance is a great way to provide security for your family. It may be an ideal solution for people who are interested in: Providing money for final expenses so your family doesn’t have to. Replacing income so that your family’s financial life doesn’t have to change in case you pass away suddenly. Providing college funds for your children in case of an untimely death. Protecting your spouse from the burden of a mortgage in the event of the unexpected. Giving a donation to a charity or special interest. Supplementing an estate or mitigating estate taxes. How does it work? Permanent life insurance – like all life insurance – is designed primarily to provide money (also known as a death benefit) to your designated beneficiary when you pass away – guaranteed. All Knights of Columbus permanent life insurance policies have premiums that are guaranteed not to increase, so you won’t have to worry about any surprises. Our permanent life insurance policies also accrue cash value over time. Should the policy be eligible for any dividends (which are not guaranteed), you can also elect to put those proceeds back into your policy by purchasing additional paid-up insurance. Additional paid-up insurance increases your policy’s death benefit and cash value. Your policy’s cash value can be used as cash, either through a partial loan or a full surrender of the policy*, or as collateral. What options do I have? The Knights Advantage Series of permanent life insurance products are flexible to fit your needs. Product Options Limited Pay Whole Life—Our flagship policy for maximum flexibility. You choose how many years to pay premiums, with a five-year minimum payment period. Selected when you apply, the payment period is fixed and guaranteed…precise and perfect for just about any life insurance planning need, even up to and through your retirement years. Single Premium Whole Life—Secure protection and start your legacy with one, single payment. Survivorship Universal Life—A policy that insures two lives, has flexible premium payments and pays at the death of the second insured. Often used by couples for estate planning, estate conservation or estate equalization. Graded Death Benefit Whole Life—No underwriting (limited underwriting in Canada) required for this final expense product. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products that can enhance a policy in a variety of ways. Contact your Knights of Columbus field agent today to learn more about our permanent life insurance products, and about the safety and security that we can help provide. *Surrender charges may apply to withdrawals and early surrender of the Survivorship Universal Life policy. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788076818-JC4K1C0AQBB1L4ZE2ADQ/long-term-health-care-insurance.jpg andrew-godbout What is it? Long-term care insurance helps you pay for your extended medical needs in a nursing home facility or in the comfort of your own home. Who needs it? Long-term care insurance should be an important part of every family’s planning. While we’d like to think that we will never need long-term care, or that we could easily afford it the statistics suggest otherwise: 70 percent of people over age 65 will need some type of long-term care services during their lifetime. 3 years is the average duration of long-term care needed per individual. $91,250 is the average annual cost of private nursing home care. $80,300 is the average annual cost of at-home nursing care. Traditional medical insurance programs and government medical insurance programs don’t usually provide enough help. According to the Department of Health and Human Services, Medicare only pays for long-term care services for a maximum of 100 days, with a copay after the 20th day, and only if you meet certain criteria. Medicaid does pay for long-term care, but only if your income is below a certain level, and you meet state requirements.[5] How does it work? Knights of Columbus Long-Term Care insurance policies establish a pool of money (also known as a maximum lifetime benefit), which is determined by a number of options that you choose from (see below). That pool of money is then available for you to use to cover qualified long-term care expenses. When the pool of money is exhausted, your long-term care policy ends. The Knights of Columbus also offers a spousal discount program, through which spouses who apply for long-term care insurance coverage together are eligible for up to a 30 percent discount. What options do I have? Coverage Type Comprehensive Coverage – Comprehensive long-term care insurance allows you to use the policy to help cover expenses at home or in a skilled nursing facility. Facility-Only Coverage – Facility-only long-term care insurance helps cover expenses in a skilled nursing or assisted living facility. Benefit Period 3-Year – Establish a maximum lifetime benefit designed to help cover three years of long-term care expenses. 5-Year – Establish a maximum lifetime benefit designed to help cover five years of long-term care expenses. 10-Year – Establish a maximum lifetime benefit designed to help cover 10 years of long-term care expenses. Daily Benefit Working with your Knights of Columbus field agent, you establish the daily benefit amount that the policy provides, based on your budget and your projected need. Your daily benefit amount, combined with your benefit period, will determine your maximum lifetime benefit, all of which will affect your premium. Elimination Period Long-term care insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day one-time, lifetime elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus long-term care insurance products. An example is the compound inflation rider, which will increase your maximum lifetime benefit annually. Contact your Knights of Columbus field agent today to learn more about our long-term care insurance products and the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588815003206-IHHMZENYTM6IGHBHWJIC/KofC_brandlogo-4clr.png andrew-godbout https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588801428813-N247F2MEDCZ7ZQ6K8LEG/agodbout.jpg andrew-godbout https://www.kofcshield.ca/agentpage daily 0.75 2020-05-07 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588816731008-0JCCQSWTKNYKKXPY22Z4/kofclinsurance.png agent-page https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588816749716-YSH4LK75LK6V2U375EJU/andrew-transparent.png agent-page https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588800302816-HKEKRN7UG9TC9LCEJKLQ/maxresdefault.jpg agent-page - Putting Faith into Action Knights come from every stage of life, in countless corners of the world. We are Catholic men building a bridge back to faith. There is much good and necessary work to be done in this world, and that's what Knights do every day. We are Catholic men who lead, serve, protect and defend. We share a desire to be better husbands, fathers, sons, neighbors and role models and to put charity and community first. Our goal is to help men, their families and their parishes grow closer to Christ. Through our programs and resources, we provide opportunities to live and spread the Catholic faith. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788018906-OR9JB2AOA9WYKW2V2X5E/permlife.jpg agent-page What is it? Permanent life insurance is our signature product. It provides money to your family when you die, and builds cash value while you live. It’s guaranteed. It’s secure. It’s dynamic. Who needs it? Permanent life insurance is a great way to provide security for your family. It may be an ideal solution for people who are interested in: Providing money for final expenses so your family doesn’t have to. Replacing income so that your family’s financial life doesn’t have to change in case you pass away suddenly. Providing college funds for your children in case of an untimely death. Protecting your spouse from the burden of a mortgage in the event of the unexpected. Giving a donation to a charity or special interest. Supplementing an estate or mitigating estate taxes. How does it work? Permanent life insurance – like all life insurance – is designed primarily to provide money (also known as a death benefit) to your designated beneficiary when you pass away – guaranteed. All Knights of Columbus permanent life insurance policies have premiums that are guaranteed not to increase, so you won’t have to worry about any surprises. Our permanent life insurance policies also accrue cash value over time. Should the policy be eligible for any dividends (which are not guaranteed), you can also elect to put those proceeds back into your policy by purchasing additional paid-up insurance. Additional paid-up insurance increases your policy’s death benefit and cash value. Your policy’s cash value can be used as cash, either through a partial loan or a full surrender of the policy*, or as collateral. What options do I have? The Knights Advantage Series of permanent life insurance products are flexible to fit your needs. Product Options Limited Pay Whole Life—Our flagship policy for maximum flexibility. You choose how many years to pay premiums, with a five-year minimum payment period. Selected when you apply, the payment period is fixed and guaranteed…precise and perfect for just about any life insurance planning need, even up to and through your retirement years. Single Premium Whole Life—Secure protection and start your legacy with one, single payment. Survivorship Universal Life—A policy that insures two lives, has flexible premium payments and pays at the death of the second insured. Often used by couples for estate planning, estate conservation or estate equalization. Graded Death Benefit Whole Life—No underwriting (limited underwriting in Canada) required for this final expense product. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products that can enhance a policy in a variety of ways. Contact your Knights of Columbus field agent today to learn more about our permanent life insurance products, and about the safety and security that we can help provide. *Surrender charges may apply to withdrawals and early surrender of the Survivorship Universal Life policy. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788084613-66579O31K9CQELE4REP7/retirement-income-insurance.jpg agent-page What is it? An annuity is a retirement savings product. You make contributions, and, after a specified amount of time, the annuity pays you a regular income stream. Who needs it? There are few financial matters we give more thought and attention to than our retirement. Everyone thinks about it. Everyone needs it. Retirement annuities help you ensure that you have enough money to live on in retirement. But retirement income can be a difficult thing to calculate, especially with a changing landscape of federal and employee-provided benefits. With a properly structured retirement annuity from the Knights of Columbus, you can have retirement income that you cannot outlive, guaranteed. Retirement annuities provide security and peace of mind that people of all ages and financial circumstances can benefit from. How does it work? Knights of Columbus retirement annuities come with many different payment and plan types (see below) which determine the nature of the annuity. Once established, the money within a Knights of Columbus annuity continues to earn value, before eventually disbursing according to the options that you elect. Knights of Columbus annuities also come with two important guarantees. First, with a Knights of Columbus annuity, your principal is guaranteed. Regardless of market condition or company results, your Knights of Columbus annuity will not lose value. Second, each Knights of Columbus annuity comes with a guaranteed minimum interest rate. No matter the market fluctuations, your annuity is guaranteed to never earn less than the contractually stated amount on an annual basis. What options do I have? Payment Type There are three payment types for Knights of Columbus annuities: Single Premium Annuity – You make a single, lump-sum payment that accrues interest until you elect to begin withdrawals. Flexible Premium Annuity – Premium payments can be made on a regular or irregular basis. We encourage Electronic Transfer of Funds (EFT) with the frequency of payments determined by you. In addition, you have the option to choose your payment schedule. Single Premium Immediate Annuity – Purchased with a single payment, it begins to pay out immediately. Plan Types Knights and their families in Canada have two retirement annuity options: Registered Retirement Savings Plan Tax-Free Savings Account A special hybrid life insurance and retirement annuity product – a Registered Retirement Savings Plan Single Premium Whole Life insurance policy – is also available. Contact your Knights of Columbus field agent today to learn more about our retirement annuities, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788076818-JC4K1C0AQBB1L4ZE2ADQ/long-term-health-care-insurance.jpg agent-page What is it? Long-term care insurance helps you pay for your extended medical needs in a nursing home facility or in the comfort of your own home. Who needs it? Long-term care insurance should be an important part of every family’s planning. While we’d like to think that we will never need long-term care, or that we could easily afford it the statistics suggest otherwise: 70 percent of people over age 65 will need some type of long-term care services during their lifetime. 3 years is the average duration of long-term care needed per individual. $91,250 is the average annual cost of private nursing home care. $80,300 is the average annual cost of at-home nursing care. Traditional medical insurance programs and government medical insurance programs don’t usually provide enough help. According to the Department of Health and Human Services, Medicare only pays for long-term care services for a maximum of 100 days, with a copay after the 20th day, and only if you meet certain criteria. Medicaid does pay for long-term care, but only if your income is below a certain level, and you meet state requirements.[5] How does it work? Knights of Columbus Long-Term Care insurance policies establish a pool of money (also known as a maximum lifetime benefit), which is determined by a number of options that you choose from (see below). That pool of money is then available for you to use to cover qualified long-term care expenses. When the pool of money is exhausted, your long-term care policy ends. The Knights of Columbus also offers a spousal discount program, through which spouses who apply for long-term care insurance coverage together are eligible for up to a 30 percent discount. What options do I have? Coverage Type Comprehensive Coverage – Comprehensive long-term care insurance allows you to use the policy to help cover expenses at home or in a skilled nursing facility. Facility-Only Coverage – Facility-only long-term care insurance helps cover expenses in a skilled nursing or assisted living facility. Benefit Period 3-Year – Establish a maximum lifetime benefit designed to help cover three years of long-term care expenses. 5-Year – Establish a maximum lifetime benefit designed to help cover five years of long-term care expenses. 10-Year – Establish a maximum lifetime benefit designed to help cover 10 years of long-term care expenses. Daily Benefit Working with your Knights of Columbus field agent, you establish the daily benefit amount that the policy provides, based on your budget and your projected need. Your daily benefit amount, combined with your benefit period, will determine your maximum lifetime benefit, all of which will affect your premium. Elimination Period Long-term care insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day one-time, lifetime elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus long-term care insurance products. An example is the compound inflation rider, which will increase your maximum lifetime benefit annually. Contact your Knights of Columbus field agent today to learn more about our long-term care insurance products and the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788001206-FFC7519AANDG90PCBE3N/termlife.jpg agent-page What is it? Term life insurance provides affordable protection to your loved ones for temporary needs. It’s simple and straightforward. Who needs it? Knights of Columbus term life insurance may be an ideal solution for people with time-bound financial obligations who are interested in: Protecting your young family on a tight budget. Shielding your family against the remaining payments on your mortgage, so that they aren’t drowning in debt or forced to move if you die unexpectedly. Supplementing or replacing your income in case you die, so that your family can continue to live with the same level of financial comfort that they did when you were alive. Providing funds for your children’s college education in case of the unexpected. Enabling your loved ones to pay off your personal debt – like credit card or auto loan debt – should you pass away suddenly. How does it work? Knights of Columbus term insurance is designed to provide you with a maximum amount of coverage at affordable and competitive rates. Unlike permanent insurance, term insurance is temporary, and is designed to expire as your financial obligations expire. Our term insurance rates are guaranteed for the life of your policy, as is the amount of money that would be paid to your family should you pass away. Term insurance is also convertible. Depending on how you and your Knights of Columbus field agent customize your term insurance policy, you can convert some or all of your insurance to permanent coverage at a later date, without providing further proof of insurability. So, if your health changes and you have an active term policy, you can secure permanent coverage that you may have otherwise have been denied. What options do I have? 10 Year Term – Cover your family for 10 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 15 Year Term – Cover your family for 15 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 20 Year Term – Cover your family for 20 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. Annual Renewable Term – Review and renew your coverage annually, with adjusted premiums and a level death benefit. Young Adult Insurance – A special product for Knights and their spouses ages 18-29 to help them start their insurance protection. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products, such as the full conversion rider, which gives you the option to convert your Accelerator Term Insurance to permanent coverage. Contact your Knights of Columbus field agent today to learn more about our term life insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788081162-6VLA3KHXJGPNS49AQHWU/disability-insurance.jpg agent-page What is it? Disability income insurance helps replace lost income when you are unable to work due to a disability resulting from an illness or accident. Who needs it? Disability income insurance helps protect your most important financial asset – your paycheck – so it should be an important part of every family’s planning. Long-term disability is much more common than other unfortunate circumstances that are commonly covered by insurance. Consider the fact that you face a 1 in 100 risk of losing your home to a fire [1], but a 1 in 4 risk of suffering a long-term disability [2]. Despite the odds and the prevalence of long-term disability – nearly 11 million Americans are receiving federal disability benefits[3] – more than 100 million Americans are without private disability income insurance.[4] In addition, any disability income insurance you may have through your employer may very well be insufficient or contingent on certain circumstances (like worker’s compensation). How does it work? Knights of Columbus disability income insurance policies provide a monthly benefit amount over the course of a maximum benefit period (see below) designed to help replace the income that you would have otherwise received if you were able to work. You are free to use your disability income benefits in whatever way you see fit – just like you would with your own paycheck. Knights of Columbus Disability Income policies also come with special features, such as the total, partial, or presumptive disability income benefits, which help protect against special circumstances. As an added bonus, our disability income insurance policies come with a waiver of premium provision, which waives your policy’s premiums while you’re suffering from a disability. What options do I have? Benefit Period The maximum benefit period is the longest period for which monthly disability benefits are payable for any one period of a disability. The benefit resets once the disability concludes. You may choose from: 2-Year – Protect your paycheck with two years of disability income payments. 5-Year – Protect your paycheck with five years of disability income payments. To Age 67 – Protect all your working years with disability income payments until you reach retirement age. Monthly Benefit Working with your Knights of Columbus field agent, you establish the monthly benefit amount that the policy provides, based on your income and subject to certain limits. Elimination Period Disability income insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus disability income insurance products. For instance, the catastrophic disability rider provides an additional monthly benefit in the event of a catastrophic disability, and the cost of living adjustment rider helps your monthly benefit keep pace with inflation during a long-term disability. Contact your Knights of Columbus field agent today to learn more about our disability income insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788062630-2174DYL0SS6V1GKPGX0H/nlg.jpg agent-page NEW HAVEN, Conn. Knights of Columbus (K of C), a Best’s Review Top 50 U.S. Life/Health Insurer[1], today announced the launch of its Protector NLG Universal Life insurance product. This product provides affordable guaranteed lifetime coverage*, flexible premium payment options and a low-cost guaranteed death benefit* that will ensure future obligations are met. The benefit protection includes a Lapse Protection Rider, as well. While guaranteeing death benefit coverage*, the Protector NLG Universal Life insurance product features flexibility in premium payment ability: from allowing shorter payment periods; the stopping and re-starting of premium payments; to the ability to lower premiums by paying up to age 100. A Lapse Protection Rider is automatically attached at issue and can ensure lifetime death benefit protection as long as this rider is active. Ron Franzluebbers, senior vice president and chief actuary of K of C, said, “Protector NLG Universal Life is a niche product designed for those approaching or above retirement age, who do not need a traditional whole life contract with cash value accumulation but want to ensure that they have affordable death benefit coverage for their entire lifetime.” Protector NLG Universal Life is available for purchase in the United States and Canada for individuals between 50 and 80 years old. Contact your Knights of Columbus field agent today to learn more about our Protector NLG Universal Life products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588801428813-N247F2MEDCZ7ZQ6K8LEG/agodbout.jpg agent-page https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588815003206-IHHMZENYTM6IGHBHWJIC/KofC_brandlogo-4clr.png agent-page https://www.kofcshield.ca/mark-pan daily 0.75 2026-01-08 https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588816731008-0JCCQSWTKNYKKXPY22Z4/kofclinsurance.png mark-pan https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/752d6366-bb15-487d-9950-3723c1bad0d7/Pan%2C+Mark+2+-+cropped.JPG mark-pan https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588800302816-HKEKRN7UG9TC9LCEJKLQ/maxresdefault.jpg mark-pan - Putting Faith into Action Knights come from every stage of life, in countless corners of the world. We are Catholic men building a bridge back to faith. There is much good and necessary work to be done in this world, and that's what Knights do every day. We are Catholic men who lead, serve, protect and defend. We share a desire to be better husbands, fathers, sons, neighbors and role models and to put charity and community first. Our goal is to help men, their families and their parishes grow closer to Christ. Through our programs and resources, we provide opportunities to live and spread the Catholic faith. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788081162-6VLA3KHXJGPNS49AQHWU/disability-insurance.jpg mark-pan What is it? Disability income insurance helps replace lost income when you are unable to work due to a disability resulting from an illness or accident. Who needs it? Disability income insurance helps protect your most important financial asset – your paycheck – so it should be an important part of every family’s planning. Long-term disability is much more common than other unfortunate circumstances that are commonly covered by insurance. Consider the fact that you face a 1 in 100 risk of losing your home to a fire [1], but a 1 in 4 risk of suffering a long-term disability [2]. Despite the odds and the prevalence of long-term disability – nearly 11 million Americans are receiving federal disability benefits[3] – more than 100 million Americans are without private disability income insurance.[4] In addition, any disability income insurance you may have through your employer may very well be insufficient or contingent on certain circumstances (like worker’s compensation). How does it work? Knights of Columbus disability income insurance policies provide a monthly benefit amount over the course of a maximum benefit period (see below) designed to help replace the income that you would have otherwise received if you were able to work. You are free to use your disability income benefits in whatever way you see fit – just like you would with your own paycheck. Knights of Columbus Disability Income policies also come with special features, such as the total, partial, or presumptive disability income benefits, which help protect against special circumstances. As an added bonus, our disability income insurance policies come with a waiver of premium provision, which waives your policy’s premiums while you’re suffering from a disability. What options do I have? Benefit Period The maximum benefit period is the longest period for which monthly disability benefits are payable for any one period of a disability. The benefit resets once the disability concludes. You may choose from: 2-Year – Protect your paycheck with two years of disability income payments. 5-Year – Protect your paycheck with five years of disability income payments. To Age 67 – Protect all your working years with disability income payments until you reach retirement age. Monthly Benefit Working with your Knights of Columbus field agent, you establish the monthly benefit amount that the policy provides, based on your income and subject to certain limits. Elimination Period Disability income insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus disability income insurance products. For instance, the catastrophic disability rider provides an additional monthly benefit in the event of a catastrophic disability, and the cost of living adjustment rider helps your monthly benefit keep pace with inflation during a long-term disability. Contact your Knights of Columbus field agent today to learn more about our disability income insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788076818-JC4K1C0AQBB1L4ZE2ADQ/long-term-health-care-insurance.jpg mark-pan What is it? Long-term care insurance helps you pay for your extended medical needs in a nursing home facility or in the comfort of your own home. Who needs it? Long-term care insurance should be an important part of every family’s planning. While we’d like to think that we will never need long-term care, or that we could easily afford it the statistics suggest otherwise: 70 percent of people over age 65 will need some type of long-term care services during their lifetime. 3 years is the average duration of long-term care needed per individual. $91,250 is the average annual cost of private nursing home care. $80,300 is the average annual cost of at-home nursing care. Traditional medical insurance programs and government medical insurance programs don’t usually provide enough help. According to the Department of Health and Human Services, Medicare only pays for long-term care services for a maximum of 100 days, with a copay after the 20th day, and only if you meet certain criteria. Medicaid does pay for long-term care, but only if your income is below a certain level, and you meet state requirements.[5] How does it work? Knights of Columbus Long-Term Care insurance policies establish a pool of money (also known as a maximum lifetime benefit), which is determined by a number of options that you choose from (see below). That pool of money is then available for you to use to cover qualified long-term care expenses. When the pool of money is exhausted, your long-term care policy ends. The Knights of Columbus also offers a spousal discount program, through which spouses who apply for long-term care insurance coverage together are eligible for up to a 30 percent discount. What options do I have? Coverage Type Comprehensive Coverage – Comprehensive long-term care insurance allows you to use the policy to help cover expenses at home or in a skilled nursing facility. Facility-Only Coverage – Facility-only long-term care insurance helps cover expenses in a skilled nursing or assisted living facility. Benefit Period 3-Year – Establish a maximum lifetime benefit designed to help cover three years of long-term care expenses. 5-Year – Establish a maximum lifetime benefit designed to help cover five years of long-term care expenses. 10-Year – Establish a maximum lifetime benefit designed to help cover 10 years of long-term care expenses. Daily Benefit Working with your Knights of Columbus field agent, you establish the daily benefit amount that the policy provides, based on your budget and your projected need. Your daily benefit amount, combined with your benefit period, will determine your maximum lifetime benefit, all of which will affect your premium. Elimination Period Long-term care insurance policies come with an elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day one-time, lifetime elimination period, after which time your benefits will begin to be paid. Additional Features and Benefits A number of special features and benefits – often called riders – are available on Knights of Columbus long-term care insurance products. An example is the compound inflation rider, which will increase your maximum lifetime benefit annually. Contact your Knights of Columbus field agent today to learn more about our long-term care insurance products and the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788001206-FFC7519AANDG90PCBE3N/termlife.jpg mark-pan What is it? Term life insurance provides affordable protection to your loved ones for temporary needs. It’s simple and straightforward. Who needs it? Knights of Columbus term life insurance may be an ideal solution for people with time-bound financial obligations who are interested in: Protecting your young family on a tight budget. Shielding your family against the remaining payments on your mortgage, so that they aren’t drowning in debt or forced to move if you die unexpectedly. Supplementing or replacing your income in case you die, so that your family can continue to live with the same level of financial comfort that they did when you were alive. Providing funds for your children’s college education in case of the unexpected. Enabling your loved ones to pay off your personal debt – like credit card or auto loan debt – should you pass away suddenly. How does it work? Knights of Columbus term insurance is designed to provide you with a maximum amount of coverage at affordable and competitive rates. Unlike permanent insurance, term insurance is temporary, and is designed to expire as your financial obligations expire. Our term insurance rates are guaranteed for the life of your policy, as is the amount of money that would be paid to your family should you pass away. Term insurance is also convertible. Depending on how you and your Knights of Columbus field agent customize your term insurance policy, you can convert some or all of your insurance to permanent coverage at a later date, without providing further proof of insurability. So, if your health changes and you have an active term policy, you can secure permanent coverage that you may have otherwise have been denied. What options do I have? 10 Year Term – Cover your family for 10 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 15 Year Term – Cover your family for 15 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. 20 Year Term – Cover your family for 20 years, with our Accelerator Term Insurance series, which includes a unique opportunity to increase your coverage amount by 25%, to keep up with inflation and salary increases, for an extremely low cost. Annual Renewable Term – Review and renew your coverage annually, with adjusted premiums and a level death benefit. Young Adult Insurance – A special product for Knights and their spouses ages 18-29 to help them start their insurance protection. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products, such as the full conversion rider, which gives you the option to convert your Accelerator Term Insurance to permanent coverage. Contact your Knights of Columbus field agent today to learn more about our term life insurance products, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788084613-66579O31K9CQELE4REP7/retirement-income-insurance.jpg mark-pan What is it? An annuity is a retirement savings product. You make contributions, and, after a specified amount of time, the annuity pays you a regular income stream. Who needs it? There are few financial matters we give more thought and attention to than our retirement. Everyone thinks about it. Everyone needs it. Retirement annuities help you ensure that you have enough money to live on in retirement. But retirement income can be a difficult thing to calculate, especially with a changing landscape of federal and employee-provided benefits. With a properly structured retirement annuity from the Knights of Columbus, you can have retirement income that you cannot outlive, guaranteed. Retirement annuities provide security and peace of mind that people of all ages and financial circumstances can benefit from. How does it work? Knights of Columbus retirement annuities come with many different payment and plan types (see below) which determine the nature of the annuity. Once established, the money within a Knights of Columbus annuity continues to earn value, before eventually disbursing according to the options that you elect. Knights of Columbus annuities also come with two important guarantees. First, with a Knights of Columbus annuity, your principal is guaranteed. Regardless of market condition or company results, your Knights of Columbus annuity will not lose value. Second, each Knights of Columbus annuity comes with a guaranteed minimum interest rate. No matter the market fluctuations, your annuity is guaranteed to never earn less than the contractually stated amount on an annual basis. What options do I have? Payment Type There are three payment types for Knights of Columbus annuities: Single Premium Annuity – You make a single, lump-sum payment that accrues interest until you elect to begin withdrawals. Flexible Premium Annuity – Premium payments can be made on a regular or irregular basis. We encourage Electronic Transfer of Funds (EFT) with the frequency of payments determined by you. In addition, you have the option to choose your payment schedule. Single Premium Immediate Annuity – Purchased with a single payment, it begins to pay out immediately. Plan Types Knights and their families in Canada have two retirement annuity options: Registered Retirement Savings Plan Tax-Free Savings Account A special hybrid life insurance and retirement annuity product – a Registered Retirement Savings Plan Single Premium Whole Life insurance policy – is also available. Contact your Knights of Columbus field agent today to learn more about our retirement annuities, and about the safety and security that we can help provide. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788018906-OR9JB2AOA9WYKW2V2X5E/permlife.jpg mark-pan What is it? Permanent life insurance is our signature product. It provides money to your family when you die, and builds cash value while you live. It’s guaranteed. It’s secure. It’s dynamic. Who needs it? Permanent life insurance is a great way to provide security for your family. It may be an ideal solution for people who are interested in: Providing money for final expenses so your family doesn’t have to. Replacing income so that your family’s financial life doesn’t have to change in case you pass away suddenly. Providing college funds for your children in case of an untimely death. Protecting your spouse from the burden of a mortgage in the event of the unexpected. Giving a donation to a charity or special interest. Supplementing an estate or mitigating estate taxes. How does it work? Permanent life insurance – like all life insurance – is designed primarily to provide money (also known as a death benefit) to your designated beneficiary when you pass away – guaranteed. All Knights of Columbus permanent life insurance policies have premiums that are guaranteed not to increase, so you won’t have to worry about any surprises. Our permanent life insurance policies also accrue cash value over time. Should the policy be eligible for any dividends (which are not guaranteed), you can also elect to put those proceeds back into your policy by purchasing additional paid-up insurance. Additional paid-up insurance increases your policy’s death benefit and cash value. Your policy’s cash value can be used as cash, either through a partial loan or a full surrender of the policy*, or as collateral. What options do I have? The Knights Advantage Series of permanent life insurance products are flexible to fit your needs. Product Options Limited Pay Whole Life—Our flagship policy for maximum flexibility. You choose how many years to pay premiums, with a five-year minimum payment period. Selected when you apply, the payment period is fixed and guaranteed…precise and perfect for just about any life insurance planning need, even up to and through your retirement years. Single Premium Whole Life—Secure protection and start your legacy with one, single payment. Survivorship Universal Life—A policy that insures two lives, has flexible premium payments and pays at the death of the second insured. Often used by couples for estate planning, estate conservation or estate equalization. Graded Death Benefit Whole Life—No underwriting (limited underwriting in Canada) required for this final expense product. Beneficiary Options You decide who you want your death benefit to go to: a spouse, children, family, a trust, or even charity. You can have more than one beneficiary, and can divide up the proceeds proportionally. Additional Features and Benefits There are a number of special features and benefits – often called riders – that are available on Knights of Columbus products that can enhance a policy in a variety of ways. Contact your Knights of Columbus field agent today to learn more about our permanent life insurance products, and about the safety and security that we can help provide. *Surrender charges may apply to withdrawals and early surrender of the Survivorship Universal Life policy. https://images.squarespace-cdn.com/content/v1/5e83ff41cc7dec2453585359/1588788062630-2174DYL0SS6V1GKPGX0H/nlg.jpg mark-pan NEW HAVEN, Conn. Knights of Columbus (K of C), a Best’s Review Top 50 U.S. Life/Health Insurer[1], today announced the launch of its Protector NLG Universal Life insurance product. This product provides affordable guaranteed lifetime coverage*, flexible premium payment options and a low-cost guaranteed death benefit* that will ensure future obligations are met. The benefit protection includes a Lapse Protection Rider, as well. While guaranteeing death benefit coverage*, the Protector NLG Universal Life insurance product features flexibility in premium payment ability: from allowing shorter payment periods; the stopping and re-starting of premium payments; to the ability to lower premiums by paying up to age 100. A Lapse Protection Rider is automatically attached at issue and can ensure lifetime death benefit protection as long as this rider is active. Ron Franzluebbers, senior vice president and chief actuary of K of C, said, “Protector NLG Universal Life is a niche product designed for those approaching or above retirement age, who do not need a traditional whole life contract with cash value accumulation but want to ensure that they have affordable death benefit coverage for their entire lifetime.” Protector NLG Universal Life is available for purchase in the United States and Canada for individuals between 50 and 80 years old. 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