FEP-07

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FEP-07
UAI0396 0611
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Weve been in the insurance industry since 1947.
Policyholders can count on our strength and
stability. A (Superior) rating for overall
financial strength from A.M. Best
weve earned this rating for more than 30
consecutive years. (as of 6/11) AA- Very
Strong for financial strength from
Standard Poors. (as of 5/10)
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• Strength and Stability
• Proof of our policyholders confidence and
  loyalty
• More than 438,000 UA policies in force
• More than 1 billion of insurance in force

We have had United American for almost 20 years.
It is a great company. They always pay promptly
and are accepted everywhere. Willie L., Sr.,
Illinois
Based on UA statistical data (2011).
Based on UA statistical data (2010).
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What if you werent here tomorrow
or a month from now? Death is an
inevitable part of life.
But we have no way of knowing when. You can
help prepare your family today for the future.
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The loss of a loved one is a very
emotional time for family members. Funeral
expenses add additional stress to their list of
new financial worries.
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• What if your family had to add your funeral
  expenses on top of its daily living expenses such
  as
• Final expenses for funeral costs
• Replacing lost income
• Paying the mortgage
• Funding childrens college tuition
• Paying credit card and other debt
• Could they survive financially without your
  income?

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You can make your family more financially secure
if something happens to you!
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An individual life insurance policy can help
your family. Choose a life insurance policy that
meets your familys needs.
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Policies ranging from 1,000 to 20,000
Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP
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Term Life Option
10-Year Renewable Term Life insurance coverage
that lasts for 10 years and will be
automatically renewed at the end of the term for
another 10 years. Premiums stay the same
throughout the 10-year term regardless of health
changes within each term.
Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP
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Whole Life Options
Whole Life Insurance gradually builds cash and
loan value that you can surrender, convert, or
take a loan in the future. Whole Life Coverage
that lasts for the life of the individual, and
builds cash and loan
value from its premiums. Premiums stay the same
for the life of the policy. 21-Pay Increasing
Benefit Whole Life Coverage that lasts for the
life of the individual, and builds cash and loan
value from its premiums. Premiums stay the same
for 21 years, then the policy is paid-up for life.
Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP
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UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life
RT10 / RT10GD SWL / SWLGD URL-CBP
Issue ages 18 80 0 80 0 72
Coverage from first day policy is issued no waiting period YES YES YES
Premiums Stay the same within 10-year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life
No physical exam required ? ? ?
Policy is guaranteed renewable YES (to age 121) YES YES
Policy cannot be canceled as long as premiums are paid on time ? ? ?
Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES
Policy builds cash and loan value from premiums paid during life of policy YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES YES
Option to use cash value of policy to purchase reduced paid-up policy in full YES YES
Policy grows 5 each policy year for 20 years until it doubles YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life
RT10 / RT10GD SWL / SWLGD URL-CBP
Issue ages 18 80 0 80 0 72
Coverage from first day policy is issued no waiting period YES YES YES
Premiums Stay the same within 10-year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life
No physical exam required ? ? ?
Policy is guaranteed renewable YES (to age 121) YES YES
Policy cannot be canceled as long as premiums are paid on time ? ? ?
Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES
Policy builds cash and loan value from premiums paid during life of policy YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES YES
Option to use cash value of policy to purchase reduced paid-up policy in full YES YES
Policy grows 5 each policy year for 20 years until it doubles YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life
RT10 / RT10GD SWL / SWLGD URL-CBP
Issue ages 18 80 0 80 0 72
Coverage from first day policy is issued no waiting period YES YES YES
Premiums Stay the same within 10-year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life
No physical exam required ? ? ?
Policy is guaranteed renewable YES (to age 121) YES YES
Policy cannot be canceled as long as premiums are paid on time ? ? ?
Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES
Policy builds cash and loan value from premiums paid during life of policy YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES YES
Option to use cash value of policy to purchase reduced paid-up policy in full YES YES
Policy grows 5 each policy year for 20 years until it doubles YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life
RT10 / RT10GD SWL / SWLGD URL-CBP
Issue ages 18 80 0 80 0 72
Coverage from first day policy is issued no waiting period YES YES YES
Premiums Stay the same within 10-year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life
No physical exam required ? ? ?
Policy is guaranteed renewable YES (to age 121) YES YES
Policy cannot be canceled as long as premiums are paid on time ? ? ?
Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES
Policy builds cash and loan value from premiums paid during life of policy YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES YES
Option to use cash value of policy to purchase reduced paid-up policy in full YES YES
Policy grows 5 each policy year for 20 years until it doubles YES
Note Availability and policy benefits vary by
state.
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• Add any of these Optional Riders
  to your policy
• Optional Disability Waiver of Premium Rider
• United American will waive all future premiums
  for the insured should total disability occur
  before age 60. Issue Ages 18-55.
• Optional Child Term Life Rider
• Available only with the purchase of an adult life
  insurance policy.
• Choose 5,000 or 10,000 coverage for all your
  eligible children ages 0-23. Benefits end at age
  25 if not converted prior to expiration.
• Continued

The Waiver of Premium Rider, Child Term Life
Rider, and Accidental Death Benefit Rider are
subject to underwriting acceptance and possible
premium increase. No physical exam required.
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• Add any of these Optional Riders
  to your policy
• Optional Accidental Death Benefit Rider
• Increase the benefit amount one to four times the
  policy face value should the insureds death be
  the result of an accident.
• Optional Deposit Fund Rider
• Available only with 10-Year Renewable Term
  policy.
• Deposits may be made with premium payments to
  create an interest bearing account. These funds
  can be used however the policyholder chooses.
  Guaranteed minimum interest rate is 3.

The Waiver of Premium Rider, Child Term Life
Rider, and Accidental Death Benefit Rider are
subject to underwriting acceptance and possible
premium increase. No physical exam required.
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The most logical reason to purchase
life insurance is to relieve your
family from the burden of paying for
your final expenses when you die.
But, its not the only reason.
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• If you suddenly arent there,
  will your family be able to afford
• Final expenses for funeral costs
• Replacing lost income
• Paying the mortgage
• Funding childrens college tuition
• Paying credit card and other debt

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Would you also like to leave a nest egg
to help your children or grandchildren
with their future financial goals?
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A life insurance policy can help your
family. Choose a life insurance policy that
meets your familys needs.
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Policies ranging from 25,000 to 500,000
Policy Forms RT10, UL10-20, SWL
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Term Life Options
10-Year Renewable Term Life insurance coverage
that lasts for 10 years and may be renewed at the
end of the term for another 10 years. Premiums
stay the same throughout the 10-year
term. 10-Year Term to Annual Renewable Term
(ART) Life insurance coverage that lasts for 10
years. Premiums stay the same throughout the
10-year term. At the end of the term, the policy
can be renewed on an annual basis. 20-Year Term
to Annual Renewable Term (ART) Life insurance
coverage that lasts for 20 years. Premiums stay
the same throughout the 20-year term. At the end
of the term, the policy can be renewed on an
annual basis.
Policy Forms UL10-20, SWL
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Whole Life Options
Whole Life Insurance gradually builds cash and
loan value that you can surrender, convert, or
take a loan in the future. Whole Life Life
insurance coverage that lasts for the life of the
individual, and builds cash and loan value
from its premiums. Premiums stay the same for the
life of the policy.
Policy Forms UL10-20, SWL
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UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART) Whole Life
UL10-20 UL10-20 UL10-20 SWL
Eligibility ages for policy issue 0 60 20 70 20 60 0 80
Coverage from first day policy is issued no waiting period YES YES YES YES
Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy
Policy is guaranteed renewable YES (to age 95) YES (to age 95) YES (to age 95) YES
Policy cannot be canceled as long as premiums are paid on time ? ? ? ?
Policy builds cash and loan value from premiums paid during life of policy YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES
Option to use cash value of policy to purchase fully paid-up policy YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART) Whole Life
UL10-20 UL10-20 UL10-20 SWL
Eligibility ages for policy issue 0 60 20 70 20 60 0 80
Coverage from first day policy is issued no waiting period YES YES YES YES
Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy
Policy is guaranteed renewable YES (to age 95) YES (to age 95) YES (to age 95) YES
Policy cannot be canceled as long as premiums are paid on time ? ? ? ?
Policy builds cash and loan value from premiums paid during life of policy YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES
Option to use cash value of policy to purchase fully paid-up policy YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART) Whole Life
UL10-20 UL10-20 UL10-20 SWL
Eligibility ages for policy issue 0 60 20 70 20 60 0 80
Coverage from first day policy is issued no waiting period YES YES YES YES
Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy
Policy is guaranteed renewable YES (to age 95) YES (to age 95) YES (to age 95) YES
Policy cannot be canceled as long as premiums are paid on time ? ? ? ?
Policy builds cash and loan value from premiums paid during life of policy YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES
Option to use cash value of policy to purchase fully paid-up policy YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART) Whole Life
UL10-20 UL10-20 UL10-20 SWL
Eligibility ages for policy issue 0 60 20 70 20 60 0 80
Coverage from first day policy is issued no waiting period YES YES YES YES
Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy
Policy is guaranteed renewable YES (to age 95) YES (to age 95) YES (to age 95) YES
Policy cannot be canceled as long as premiums are paid on time ? ? ? ?
Policy builds cash and loan value from premiums paid during life of policy YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES
Option to use cash value of policy to purchase fully paid-up policy YES
Note Availability and policy benefits vary by
state.
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UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART) Whole Life
UL10-20 UL10-20 UL10-20 SWL
Eligibility ages for policy issue 0 60 20 70 20 60 0 80
Coverage from first day policy is issued no waiting period YES YES YES YES
Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy
Policy is guaranteed renewable YES (to age 95) YES (to age 95) YES (to age 95) YES
Policy cannot be canceled as long as premiums are paid on time ? ? ? ?
Policy builds cash and loan value from premiums paid during life of policy YES
Terminal illness accelerated benefit rider upon proof of terminal illness, pays 50 of current benefits available prior to death (where state approved) YES YES YES YES
Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES
Option to use cash value of policy to purchase fully paid-up policy YES
Note Availability and policy benefits vary by
state.
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• Add any of these Optional Riders
  to your policy
• Optional Disability Waiver of Premium Rider
• United American will waive all future premiums
  for the insured should disability occur before
  age 60. Issue Ages 15-55 on 10 Year Renewable
  Term and Whole Life 20-55 on 10 Year and 20 Year
  Term to ART.
• Optional Child Term Life Rider
• Available only with the purchase of an adult life
  insurance policy.
• Choose 5,000 or 10,000 coverage for all your
  eligible children ages 0-23. Benefits end at age
  25 if not converted prior to expiration.
• Optional Accidental Death Benefit Rider
• Increase the benefit 25,000, 50,000, 75,000,
  or 100,000 should the insureds death be the
  result of an accident. Issue ages 18-60.

The Waiver of Premium Rider, Child Term Life
Rider, and Accidental Death Benefit Rider are
subject to underwriting acceptance and possible
premium increase.
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• UA Partners
• Our optional non-insurance discount
• health services program is also available.
• Receive discounts on
• Chiropractic 20 to 40
• Dental 10 to 50
• Eye Care 20 to 60
• Hearing Aids 10 to 20
• Prescriptions Average of 20
• Mail Order Pharmacy Save More

DISCLOSURE This is NOT a health insurance
policy. The plan provides discounts at certain
health care providers of medical services. The
plan does not make payments directly to the
providers of medical services. The plan member is
obligated to pay for all health care services but
will receive a discount from those health care
providers who have contracted with the discount
plan organization. This plan is administered by
Best Benefits, Inc., (a discount medical plan
organization) at 8420 W. Bryn Mawr, Suite 700,
Chicago, IL 60631, 1-800-308-0374. You have the
right to cancel and receive a full refund within
30 days.
Plans may vary by state.
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Thank you