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MILLENNIA VISION SERIES
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I.
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MILLENNIA PLUS - Participating whole-life policy
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- Builds large U.S.-dollar amounts for retirement, pension, family or business protection
- Designed to provide monthly lifetime retirement income or lump sum return
- Provides terminal illness and dismemberment benefits
- Issuable to ages 0 to 75 to qualified individuals
- Minimum $50,000 ages 0 to 65
- Available ages 66 to 75 for $10,000 to $25,000 face amount
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II.
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JOINT MILLENNIA - Participating whole-life policy for two insureds
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- Protects first-to-die of two insureds (spouses, family members or business partners) or both, if deaths are simultaneous
- Issuable to individuals ages 15 to 65
- Provides terminal illness and dismemberment benefits
- Designed to provide monthly lifetime retirement income or lump sum return
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III.
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FAMILY MILLENNIA - Participating whole-life policy for entire family
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- Provides similar benefits to Millennia Plus
- Designed to provide monthly lifetime retirement income or lump sum return
- Foresees additional 50% death benefit for spouse and 10% death benefit for all children, regardless of number
- Provides paid-up insurance protection to family upon death of primary insured and convertibility for spouse and children
- Issuable to qualified heads of household between ages of 18 and 60 years
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IV.
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MILLENNNIA 10 - 10-Pay Whole-life participating policy
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- Designed to accumulate large amounts of money with 10-year premium-payment period
- Similar to Millennia Plus, but fewer premium payments
- Issuable to qualified individuals between the ages of 0 and 55
- Fully paid up in ten years, while insurance benefits and values continue for lifetime of insured
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V.
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SENIOR MILLENNIA - Whole-life participating plan with 10-year increasing benefit
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- Designed for older individuals to provide for death and estate planning benefits
- Requires no medical exam
- Issuable to qualified individuals between the ages of 60 and 85 years
- Available in initial face amounts of $6000 to $10,000
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VI.
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FUTURE PLUS - Whole-life 20-pay participating policy
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- Structured, limited payment period that accumulates large cash amounts
- Twenty-pay policy
- Pays face amount, plus returns all premiums in the event of death during payment period
- Provides terminal illness and dismemberment benefits
- Partial endowment at 20 years
- Supplementary deposit contract available after 20 years, providing for retirement benefits in a guaranteed monthly lifetime income
- Issuable to qualified persons ages 0 to 50 years
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VII.
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CYBER PLUS - Whole-life participating policy for children
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- Minimum $50,000 face amount
- Provides benefits similar to Millennia Plus
- Issuable to children between the ages of 0 and 14
- Designed to provide exceptional educational and retirement funds
- Increases automatically five times on child's 21st birthday, from $50,000 to $250,000, without evidence of insurability
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VIII.
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DYNASTY PLUS - Endowment policy at age 65
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- Minimum $50,000 face amount, except for ages 45 to 55 in which $25,000 face amount is available
- Provides similar benefits as Millennia Plus
- Issuable to qualified individuals between the ages of 0 and 55
- Designed to build up guaranteed cash values equal to 143.9% face amount at age 65
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IX.
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CLASSIC 20 - 20-year endowment policy
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- Designed to accumulate large amounts of money over a limited time period
- Provides for guaranteed cash value of policy to equal face amount of the plan in 20 years
- Provides terminal illness and dismemberment benefits at no additional charge
- Issuable to qualified individuals between the ages of 0 and 55 years
- Designed to provide monthly lifetime retirement income or lump sum return
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X.
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CLASSIC 15 - 15-year endowment policy
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- Designed to accumulate large amounts of money over a limited time period
- Provides for guaranteed cash value of policy to equal face amount of the plan in 15 years
- Provides terminal illness and dismemberment benefits
- Issuable to qualified individuals between the ages of 0 and 55 years
- Designed to provide monthly lifetime retirement income or lump sum return
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XI.
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CLASSIC 10 - 10-year endowment policy
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- Designed to accumulate large amounts of money over a limited time period
- Provides for guaranteed cash value of policy to equal face amount of the plan in 10 years
- Provides terminal illness and dismemberment benefits
- Issuable to qualified individuals between the ages of 0 and 55 years
- Designed to provide monthly lifetime retirement income or lump sum return
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Note: All policies available to minors where applicable for a minimum of $25,000,
if a parent or grandparent already owns a policy with CICA LIFE.
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