FAITHGUARD

GuideOne's Added Commitment For Active Church & Other Ministry Attendees

FaithGuard is the new unique program of insurance benefits that so many churches and worship centers are talking about today. FaithGuard offers GuideOne clients, who qualify and who desire more value for their insurance dollars, the opportunity to enjoy new unique benefits and discounts not normally offered by other insurance companies, while at the same time providing some added benefits for the church or worship center they have chosen to attend. As the leading insurer of religious organizations today, GuideOne has a shared concern for the security of both the church and worship center of today, as well as for individuals who have chosen to attend them.

FaithGuard offers active worshipers exclusive enhancements and special discounts above the standard features and benefits clients have come to expect from GuideOne policies. This sets the coverage offered by GuideOne apart from other insurance companies today. As the leading insurer of religious organizations in the country today, GuideOne understands that the heart of the church or worship center is the congregation. To help protect the lifestyle of the active worshiper, GuideOne has chosen to offer worshipers, who are active attendees who qualify, enhancements that can be added to their policies with GuideOne at no additional charge; some benefits can benefit the church or worship center they attend as well. Please note that all enhancements and discounts offered are not the same for all states or policy plans. Check with our office to see which enhancements and discounts you might qualify for, and which are being offered in your state for auto, home, and life plans*. For those who are not currently clients, we offer you the opportunity to join with us and enjoy these unique benefits which you may be eligible for. (Click here for contact info.)

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AUTO FAITHGUARD Enhancement Benefits*:

Pastors, executive ministry administrators, missionaries and full-time seminarian students are eligible for a discount on their auto insurance. A nondrinker life style is also eligible for a discount. The FaithGuard exclusive benefits : The deductible will be waived if your auto is involved in an accident while you are driving directly to or from a worship service or other religious activity. (does not include ministry private school or sporting events).* Your tithing or donations up to $750 will be covered if you suffer a loss of income from a disability caused by any accident in your insured auto.* Medical payments will be doubled if your auto is involved in an accident while you are driving non-family members directly to or from a worship service or other scheduled religious activity.(does not include ministry private school or sporting events)* FaithGuard pays for any existing auto loan payment on your covered auto up to $3,000 if you suffer a loss of income from a disabilty caused by an accident in your auto while you are driving directly to or from a worship service or other religious activity.(does not include ministry private school or sporting events)* A memorial gift of $1,000 will be made to your church or worship center if your auto is involved in any car accident that results in your death or in the death of an immediate family member.* Click here to review GuideOne's standard auto benefits and discounts*

*Please note that these offerings are state and policy specific; please contact our office to be sure they are offered in full or in part for your state, or the desired benefits are included with the plan you desire or qualify for. This page is not designed to be a complete listing of the coverage benefits or exclusions but a brief outline. For a complete listing of the benefits and exclusions, please review your state specific GuideOne policy*. Please note that each policy type has certain underwriting qualifications which you may or may not qualify for. Call or email our office to have your qualifications reviewed by an agent for a quote. To receive a no-obligation quote, fax or email us a copy of your present insurance dec sheet that outlines your current plan of insurance. An agent will reply with a contact for an apt to review your data and your qualifications.

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To Review Offered Home coverage click the link below*:

Click here to review GuideOne's standard home benefits and discounts *

*Please note that these offerings are state and policy specific; please contact our office to be sure they are offered in full or in part for your state, or that the desired benefits are included with the plan you desire or qualify for. This page is not designed to be a complete listing of the coverage benefits or exclusions but a brief outline. For a complete listing of the benefits and exclusions, please review your state specific GuideOne policy*. Please note that each policy type has certain underwriting qualifications which you may or may not qualify for. Call or email our office to have your qualifications reviewed by an agent for a quote. To receive a no-obligation quote, fax or email us a copy of your present insurance dec sheet that outlines your current plan of insurance. An agent will reply with a contact for an apt to review your data and your qualifications.

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LIFE FAITHGUARD Enhancement Benefits underwritten by Kansas City Life Insurance Company*:

The Life FaithGuard enhancements offer two options to assist you with providing the security necessary for today's volatile culture. 1. The Monthly Benefit Rider (MBR) This enhancement provides you a choice, as you review this important area of security for your loved ones, which we believe may more appropriately support their lifestyle needs in the event of a family death. In the past, this has been reviewed with the idea of providing one large sum that was to meet the security needs, but which often left loved ones with budgeting and investment issues that added to their stress as they attempted to cope with the loss of life. The MBR allows for the plans to be put in place before the loss of life, and thus leave loved ones with less stress when they are presented with the loss of life. A monthly benefit plan is determined to maintain the standard of living for their loved ones; then a period of time is determined for the duration the benefit should be paid. The MBR FaithGuard endorsement, added at no expense, allows for an additional 10% on top of the chosen monthly benefit to be paid to the insured’s church or worship center at the time of their death. For example, if the chosen MBR benefit is $2,000 to be paid until age 65, the monthly benefit paid to your church or worship center for the same chosen benefit period would be $200 monthly. The FaithGuard endorsement is not available with all plans; please contact us to review how this benefit could more appropriately provide the necessary security for your loved ones.* Click here to review general information on universal life policy features 2. The Charitable Giving Rider (CGR) provides a donation to be made to a charity at the time of a policyholder’s death, for a small nominal cost. The CGR provides 1% of the face amount of the life policy to be donated to the charity of the owner's choice. With the CGR FaithGuard endorsement added at no expense, the death benefit to the charity will be doubled to 2% of the policy's face amount if a covered policyholder death occurs while attending or traveling to or from a scheduled worship activity.* The CGR is available only on offered Level Term policies. Click here to review the general benefits of these term plans*: Click here to review current life insurance needs, then pick the choice reflecting your current status in life: The key to a valued life insurance plan that will provide the necessary security for your loved ones is a properly balanced financial plan. To review your overall financial position with the input of possible current suggestions for today's volatile culture, click here. Errors made today could develop into disaster in your future:

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Phone (614) 899-6000 or toll free 1-877-471-7997 for MI, IN, WI, KY, & OH

E-mail : dphelps@phelpsfinancial.com

Fax (614) 899-6022

03/26/2009