1. To ensure your family won't be burdened with funeral expenses.
 2. To supplement social security benefits.
 3. To guarantee a fixed income for a surviving parent with young children.
 4. To secure an adequate retirement income.
 5. To reach a financial goal that doesn't depend upon speculation and/or
     self-control.
 6. To ensure mortgage payments are met.
 7. To help your children receive a college education.
 8. To start protection and thrift programs for children.
 9. Because a mother's death can be as financially disabling to a family as
      a father's death can be.
10. To leave funds after death as gifts or bequests.
11. To protect the increased responsibilities of marriage and/or birth of
       a child.
12. To protect a business investment in key employees
13. To protect a sole proprietor's business for survivors.
14. To protect a partnership from being shared by a partner's disinterested
       survivor.
15. To provide a method for a close corporation to liquidate stockholder
       interests.
16. To fund a business buy-sell agreement.
17. To solve a certain tax problem.
18. To provide basic protection for each family member.
19. To clear financial obligations in case of death

Universal Life Insurance is a permanent life insurance program that provides flexible premiums and an option of two adjustable death benefits. It also accumulates cash values and offers competitive tax-deferred interest. Loans and withdrawals are available on a tax-favored basis.

Term Life Insurance offers low-cost protection for a specified period of time. It is a temporary solution to a short-term need such as a housing loan, business expansion or large debt. This type of policy provides large death benefits at an initial low premium that increases as you get older. Some term policies, however, have an option that allows you to convert the policy into permanent insurance up to age 70.

Whole Life Insurance provides permanent protection at an economical price. It offers moderate premiums that are locked in at the time of purchase. The death benefits cannot fall below the initial face amount. There are guaranteed cash values and paid-up options.

Participating Life Insurance is a stable insurance program with guaranteed death benefits, tax-deferred cash accumulation and the flexibility to meet a wide range of financial goals. The participating life insurance guarantees that your premiums will never increase, your death benefits will not decrease and your coverage won't expire regardless of your age or health. This policy increases in value as cash accumulates. And, unlike other types of whole life insurance, this policy can pay dividends.

Simplified Issue Life Insurance provides coverage that is underwritten from a simple application, consisting of just a few health questions. Usually, medical exams are not required. Death benefits are not graded or otherwise limited. Due to the limited underwriting, the maximum death benefits available are usually low.

Accelerated Benefit Rider - This rider advances a portion of the death benefits if the insured has been diagnosed with a terminal disease and has less than 12 months to live or is permanently confined to a nursing home.

Please note: This information is for summary purposes only and contains a general outline of coverages provided in a Cotton States life insurance policy. This is not a contract or a policy of any kind. Complete and detailed descriptions of life insurance policy coverages and exclusions are contained only in the policy itself. Information subject to change without notice.