Aflac Group Whole Life - SYKES

Aflac Group Whole Life

INSURANCE

Most people think of life insurance as a benefit for the future. Let us show you how it can help provide peace of mind right now.

This will be guaranteed issue

CAI9875CT R1

IV (1/16)

AFLAC GROUP WHOLE LIFE

INSURANCE

Policy Series WL-9800-MP

WLG

Affordable security for your family's future-- and cash value, too.

While we all know that life insurance is something that helps protect our loved ones and families for the long term, sometimes we don't consider that there are other benefits of a whole life insurance plan, as well.

Priced to fit most budgets, the Aflac group Whole Life insurance plan can provide a real financial cushion for your loved ones. And, unlike some kinds of life insurance, a whole life insurance plan doesn't terminate at a certain age.

Aflac group Whole Life insurance also works hard for you today.

What you may not realize is that in addition to offering valuable life insurance protection, Aflac group Whole Life insurance is designed to build cash value--at a guaranteed rate of return. It's a feature that could come in handy down the road for short-term or unplanned expenses. There are other advantages, as well:

? You and your family may apply for benefit amounts by answering only a few medical questions.

? Once your Whole Life insurance application has been approved and payroll deductions have started, the coverage is yours to keep as long as you continue to pay premiums.

? The Aflac group Whole Life insurance plan builds cash value over the lifetime of the plan.

Aflac group Whole Life insurance is flexible, too. You can apply for coverage that fits your budget and lifestyle. And, your premiums never increase for the benefit amount you select now.

Understanding the facts can help you decide if the Aflac group Whole Life insurance plan makes sense for you.

FACT

MORE THAN

70 MILLION AMERICANS KNOW THEY NEED MORE LIFE INSURANCE.*

* Facts about Life 2015, LIMRA, 2015

Underwritten by Continental American Insurance Company (CAIC) A proud member of the Aflac family of insurers

Here's why the Aflac group Whole Life insurance plan may be right for you.

For more than 60 years, Aflac has been dedicated to helping provide individuals and families peace of mind and financial security when they've needed it most. The Aflac group Whole Life plan is just another innovative way to help make sure you're well protected under our wing.

But it doesn't stop there. Group Whole Life insurance from Aflac means that your family could have added financial resources to help with burial and funeral expenses, education plans, or retirement expenses.

Benefits: ? Coverage Amounts: ?? Employee up to $100,000. ?? Spouse up to $50,000 (not to exceed employee's coverage). ?? Chlidren may be covered in either of these two ways: ?? A Child Term Rider in the amount of $10,000 is available for dependent children ages 15 days through 24 years. The rider will cover all of your dependent children. or ?? You may purchase a separate Whole Life certificate for each of your dependent children with a $10,000 or $25,000 benefit. ? Waiver of Premium Benefit (employee only). ? Accidental-Death Benefit (employee and spouse only).

Features: ? Premiums will never increase. ? Benefits may be paid directly to your named beneficiary. ? Coverage is portable (with certain stipulations), which means you can take it with you if you change jobs or retire. ? Premiums are paid through convenient payroll deduction. ? Fast claims payment. Most claims are processed in about four business days.

How it works

Aflac group Whole Life plan with a $50,000 benefit amount

is selected.

The certificateholder passes away due to

a covered accident.

The certificateholder's beneficiaries receive

$100,000

Benefit based on initial face amount of $50,000, Accidental Death Benefit of $50,000.

The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to the plan for complete details, definitions, limitations, and exclusions. Waiting periods, limitations and pre-existing conditions may apply. For more information, ask your insurance agent/producer or call 1.800.433.3036.

Benefits Overview

WHOLE LIFE BENEFIT S A ND PROCEEDS (Employee, Spouse, And Child Coverage Available) We will pay proceeds upon the insured's death. Proceeds are the total amount of benefits payable and will be the sum of the amount of insurance currently in force, any insurance you have provided by any benefit riders, and any premium amount paid beyond the certificate month in which the insured dies, less any certificate loan or loan interest and any unpaid premium.

We will pay these proceeds to the named beneficiary in one sum. The proceeds can be left with us to earn interest (guaranteed to be at least 2.0% compounded annually).

To the extent permitted by law, proceeds will not be subject to any claims of a beneficiary's creditors.

CASH VALUE AND CERTIFICATE LOANS The Whole Life insurance plan provides a cash value. The cash value may be obtained through certificate loan or surrender value option. The loan amount available will be the cash value of the plan plus the value of any attached rider, less any unpaid premium, any existing certificate loan, or any loan interest. A certificate loan may be obtained by written request. The certificate loan may be repaid at any time during the insured's lifetime. If it is not repaid, the loan will be deducted as a single sum from any settlement or refund. If the loan exceeds the cash value of the certificate, the certificate will terminate 31 days after a notice of termination has been sent to the insured's last known address or to any assignee of record's last known address.

WAIV ER OF PREMIUM RIDER (Employee Only Issue Ages 18-55) The Waiver of Premium Benefit Rider waives entire premium amount for employee coverage after the insured has been totally disabled due to bodily injury or disease for 4 consecutive months and continues throughout the duration of the disability. Any recurrence of a prior disability will be covered, provided the prior disability continued for at least 6 consecutive months, began within 30 days of recovery, and was due to the same or related causes. The Waiver of Premium Rider is also available for loss of sight or loss of limbs even though the employee may be able to engage in an occupation. This coverage terminates on the employee's certificate anniversary coinciding with or next following his 60th birthday.

ACCIDENTA L DE ATH BENEFIT RIDER (Employee And Spouse Only; Issue Ages 18-60) The Accident Death Benefit Rider provides an additional benefit equal to the face amount if the insured dies within 90 days from injuries that resulted directly and independently of all other causes, from accidental bodily injury. The maximum coverage available under the rider is $100,000. The Accidental Death Benefit Rider terminates at age 65.

CHILDREN'S TERM INSURANCE RIDER (OPTIONAL) CHILDREN ONLY We will pay the Children's Term Rider benefit upon receipt of due proof of death of an insured child if coverage is in force and it is before the rider anniversary following the insured child's 25th birthday. The children's term insurance may be converted to a whole life plan without evidence of insurability if the amount of the new plan does not exceed $5,000 per unit of coverage shown in the certificate.

Conversion will be on the rider anniversary date following the insured child's 25th birthday, or if earlier, on the death of the primary insured. The premium for the new plan will be the rates then in effect for the plan chosen for the attained age of the insured child and for the same premium class as this coverage. The amount of the new certificate must be at least the minimum for the plan elected. The new certificate effective date will be the date of the application accompanied by the required premium, or the conversion date if later.

Written request for conversion and payment of the required premium must be made within 31 days of the date of conversion and during the lifetime of the insured child.

WHOLE LIFE INSURANCE

LIMITATIONS AND EXCLUSIONS,

WHAT IS NOT COVERED, AND TERMS YOU NEED TO KNOW

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