AMID THE WORRY AND UNCERTAINTY OF FINANCIAL PLANNING, THE KNIGHTS OF COLUMBUS OFFERS YOU SECURITY AND PEACE OF MIND There is so much uncertainty when it comes to making long- term financial decisions. The economy can grow and decline in a volatile market. Interest rates and returns on investments can fluctuate. You want to make sound choices to guarantee your future security, but there are so many risks and factors beyond your control. It certainly would be wonderful to have some certainty about where you put your money. But it seems there’s often a relationship between risk and reward – and those risks don’t always result in the rewards we hope for. When it comes to Knights of Columbus insurance and annuity products, however, guarantees are part of the package. In fact, here are eight guarantees you can count on when you do business with the Knights of Columbus. Cash value in your whole life insurance? Guaranteed. Whole life insurance is called “permanent” insurance because it is meant to be coverage you keep your entire life. That way, your death benefit is always there to care for your survivors. There also is a cash value in your policy that grows as you continue to pay your premiums which you can draw upon when needed. That’s additional security for you – and it’s guaranteed. Rates on your level-term insurance? Guaranteed. Your contract is our bond. When you purchase a level-term life insurance policy from the Knights of Columbus, your premiums are guaranteed in the contract. You won’t see sudden changes or unpredictability. Minimum interest rate on your retirement annuity? Guaranteed. When you take out a retirement annuity with the Knights of Columbus, you will be quoted a minimum interest rate. That means your annuity can only grow in value, and will never lose it. And that’s a guaranteed minimum – meaning you may well earn at a higher rate. That’s peace of mind. Principal on your retirement annuity? Guaranteed. Since you are guaranteed at least a minimum interest rate on your retirement annuity, it follows that you will never lose any principal. If you choose to withdraw a portion of your principal or execute an early surrender, then of course that’s different. But as long as you leave your principal untouched, it will always be there and draw interest for you. One less worry for you and your family. Income stream for life through your annuity? Guaranteed. If you structure your annuity just right, you can be assured of a guaranteed income stream for as long as you live – to ensure that you have that guaranteed income for the duration of your golden years. Top-quality professional service? Guaranteed. Knights of Columbus Insurance was founded to take care of members and their families – a company of brother Knights looking out for brother Knights. That spirit of fraternity and care goes back to our roots when the Order was founded in 1882 by Venerable Father Michael McGivney, a saintly priest. Dedicated, full-time, professional field agents pride themselves on the service they provide, and they will go the extra mile to be there for you and your family whenever you need them – you can be sure of that. An ethical company? Guaranteed. Knights of Columbus Insurance will never take your financial future lightly. We invest carefully and make business decisions motivated not by profit or greed, but by service and commitment. There will never be any “junk” bonds or derivatives in our portfolio. That’s not how we do business. Such safety, security and fiscal responsibility are an important part of our Catholic difference. Catholic values? Guaranteed. Knights of Columbus Insurance guarantees not to invest in companies that deal in abortions, contraception, human cloning, embryonic stem cell research, for-profit health care that pays for any of the aforementioned, and pornography. That’s because the Knights of Columbus is Catholic through and through, both professionally and fraternally. The Catholic faith and moral values inform and guide our work at every level, including in the evaluation of each investment. We stay true to the authentically Catholic vision of our founder – guaranteed. Guarantees such as these can provide you with the security and confidence you need when making your insurance and annuity decisions.