	Colonial Portfolio Overview
	Accident
	Disability
	Life
		Term Life Insurance
		Level Term Life Insurance
		Whole Life Insurance
		Universal Life Insurance
		Group Term Life Insurance
	Hospital Confinement
	Cancer and Critical Illness

Why Life Insurance?

Does your family have enough financial resources to comfortably go on without you? Everyday and immediate final expenses may add up quickly. The Colonial portfolio of life insurance offers several plans to supplement your existing life coverage.

We offer Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and a Group Term Life Insurance plan.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

More Info Request Form
Would you like to receive additional information about Colonial�s term life plan?

	Term Life Insurance

Colonial's Term Life Insurance is easy and affordable life insurance for the first-time buyer or someone who wants to supplement their existing coverage. It is available through individual sales (not payroll-deducted at the worksite) or through worksite payroll-deduction sales.

This term life insurance plan offers:

Level death benefits � benefits will not decrease with time.
Level premiums � premium levels are guaranteed for the term of your policy based on your age at policy issue. (After the end of the selected term period, premiums will increase annually at a guaranteed rate based on your age.)
Three plan designs: 10-year, 20-year and 30-year term coverage periods.

Term Life Insurance also offers the following benefit that is automatically included in your plan:

Accelerated Death Benefit Provision
This benefit is automatically included in your policy. If you are diagnosed with a terminal illness, you can request up to 75 percent of the policy's death benefit, not to exceed $150,000. This benefit is included at no additional premium. We deduct a fee only if you use the benefit, and your death benefit will then be reduced by the amount you receive. In addition, there may be tax consequences for receiving the accelerated benefit; ask your tax advisor for advice.

More Info Request Form
Would you like to receive additional information about Colonial�s level term life plan?

	Level Term Life Insurance

This life insurance plan provides the following features.

Higher levels of coverage for more affordable premiums, especially at a younger age when the need for protection is greater.
This plan is convertible to cash value life insurance.

Colonial�s Level Term Life Insurance is easy and affordable life insurance for the first time buyer or someone who wants to supplement their existing coverage. It is available with guaranteed issue (no health questions) at your company�s initial enrollment for qualifying accounts.

This term life insurance plan offers level death benefits; benefits will not decrease with time. Premiums are also level. Two plan designs are available, depending on the amount of coverage you choose.

Plan One (10/10/YRT) is composed of two consecutive 10 year level premium periods. The first 10 years of guaranteed level premiums are based on your age at policy issue.

Plan One (10/10/YRT) with available face amounts of $10,000 - $150,000, is composed of two consecutive 10 year periods:

The first 10 years of guaranteed level premiums are based on your age at policy issue.
The second 10 years of guaranteed level premiums reflect rates for your age at the 11th year.

More Info Request Form
Would you like to receive additional information about Colonial�s whole life plan?

	Whole Life Insurance

Colonial�s Whole Life Insurance is an individual plan that offers:

Permanent protection that accumulates cash value.
Guaranteed level premiums and cash values.

Our Whole Life Insurance provides coverage in small to moderate face amounts. This plan�s death benefit provides your beneficiary income for six or 12 months until other optional benefits you may have from Social Security, your employer or other life insurance plans are paid.

Your policy will also pay an immediate cash payment of $1,000, $2,500 or $3,000 to your beneficiary. This amount is paid in advance of the remainder of the death benefit and can be used to help pay for final expenses, while your other insurance claims are being processed. This cash payment is based on the policy face amount.

More Info Request Form
Would you like to receive additional information about Colonial�s universal life plan?

	Universal Life Insurance

Colonial�s Universal Life Insurance is an individual plan that offers:

Protection that accumulates cash value that can grow at current interest rates.
Flexible premiums and an adjustable death benefit.

Universal Life Insurance is a nice complement to term or group life insurance protection. This plan offers you the flexibility to change face amounts and premiums as your needs change. Your premium payment can build cash value at current interest rates with this plan.

Coverage is also available for your family.

You can purchase a universal life policy for your spouse, your children or your grandchildren with the same flexible benefits that are available to you, even if you don�t purchase a policy for yourself.

More Info Request Form
Would you like to receive additional information about Colonial�s group term life plan?

	Voluntary Group Term Life Insurance (VGTL)

With group life insurance, many coverage options are selected by the employer.

This group term life insurance plan offers:

Higher coverage amounts at more affordable premiums based on group rates.
The option to convert to individual life insurance.
Optional accidental death and dismemberment coverage.

Group term life insurance is the simplest and least expensive type of life insurance you can buy. It is available at low group rates and paid for with convenient payroll deduction.

Colonial�s VGTL Insurance offers the following benefits.

Accelerated Death Benefit. You may receive a percentage of your life insurance benefit if you are diagnosed with a terminal illness. This feature also applies to your spouse and dependent children covered under this plan.

Waiver of Premium. If you become disabled, this allows your premium payments, including



	� 2008 Colonial Life & Accident Insurance Company	Important Legal Notice Compensation Disclosure Information Privacy Notices
	Colonial Life & Accident Insurance Company is a subsidiary of Unum Group
	This site was created to accommodate Netscape 6.2 or higher or Microsoft Internet Explorer 5.0 or higher. This site is best viewed at a screen resolution of 800x600. Adobe Acrobat Reader required for selected content. "Colonial Life," the logo and "making benefits count," separately and in combination, are registered service marks of Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company. Coverage has exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. See your representative for complete details. Colonial Life is the marketing brand of Colonial Life & Accident Insurance Company.

This life insurance plan offers the following advantages.

Economical
Purchase the full amount of coverage you need at a low initial cost compared to cash value insurance — for when your need for protection is the greatest.

Not Taxable to Beneficiaries
Provide a life insurance benefit that, in most instances, is free from income tax for the beneficiary.

Pure and Simple
Provide protection for short-term obligations, such as a car loan or mortgage.

Convertible
Convert the policy to a Colonial cash value life insurance policy any time through age 75* with no evidence of insurability. Premiums will be based on your age at the time you convert your policy.

Guaranteed Renewable
Enjoy a policy that is guaranteed renewable to age 95.

Portable
Take this individually owned policy with you if you change jobs or retire.

*Unless you have used the Accelerated Death Benefit Provision or Waiver of Premium Benefit Rider.

OPTIONAL COVERAGE (available at an additional cost)

Several coverage options are available for you and your family. You can also supplement your term life coverage with a Waiver of Premium rider and an Accidental Death Benefit rider.

Optional riders are available at an additional cost.

Applicable to policy forms TERM1000 and rider forms TERM1000-ADB, TERM1000-CTR, TERM1000-STR, and TERM1000-WAIVER. If you are in Virginia, please read this important information.
(*Acrobat Reader required. Download Here)

Plan Two (10YRT plan) with available face amounts of $150,001 - $500,000, is composed of one 10 year guaranteed level premium period, based upon your age at policy issue. Rates will increase annually beginning in the 11th year and will be based on your age at that time.

Level Term Life Insurance offers the following benefits that are automatically included in your plan.

Accelerated Death Benefit. Gives you the option to receive a percentage of the face value if you are diagnosed with a terminal illness.

Immediate Cash Payment. An immediate cash payment to your beneficiary to help pay expenses until the claim on your policy is processed.

Your level term life insurance plan is portable. This means that if you change jobs or retire, you can take this coverage with you. This plan is guaranteed renewable to age 95 as long as premiums are paid when due, or within the grace period. Your premium can be changed only if we change it on all

policies of this kind in the state where the policy was issued. Premiums can be paid with the convenience of payroll deduction.

Several coverage options are available for you and your family. You can also supplement your level term life coverage with a Waiver of Premium rider and an Accidental Death Benefit rider.

Optional riders are available at an additional cost.

Applicable to policy forms 10/10/YRT, 10/10/YRTU, 10/YRT and rider forms STR-20, STR-10, CTR-10/10/YRT, ADB-10/10/YRT and R-Waiver. If you are in Virginia, please read this important information.
(*Acrobat Reader required. Download Here)

Applying for coverage is simple. In most cases, you only have to answer a few questions. In some cases, a medical exam may be required. You also have a guaranteed option to purchase more coverage in two years and again in five years if you're age 55 or younger at date of issue. This extra coverage can be purchased without answering any health questions if your original policy is purchased before age 55.

This policy is portable. This means that if you change jobs or retire, you can take this coverage with you. Coverage is also available for your spouse and your children through term life riders.

Optional riders are available at an additional cost.

Applicable to policy form LBCDGP(96), LBCDNO(96), LBGP(96), LBNO(96) and rider forms SR85 and CR85, including state abbreviations where used. If you are in Virginia, please read this important information
(*Acrobat Reader required. Download Here)

You can add a level term insurance rider for your spouse or your children to your universal life policy.

You can supplement your universal life coverage with the following additional riders.

Accidental Death Benefit Rider
Pays an additional benefit if you die as a result of an accident before age 70. Benefit doubles if death occurs while you are a fare-paying passenger on a public transport system such as a bus or subway.

Additional Coverage Term Rider
Additional 20-year level term coverage for you and/or your spouse. This coverage can convert to increased coverage under your existing universal life plan or a new cash value life plan without evidence of insurability. Premiums remain level for the duration of the rider.

Guaranteed Purchase Option Rider
Increase your coverage at the second, fifth and eighth policy years or when specified life events occur without evidence of insurability. Premium is determined by your current age and the amount of insurance you choose.

Waiver of Monthly Deduction Rider

Waives all monthly deductions if you become totally and permanently disabled before age 65. Your policy�s cash value remains intact and continues earning interest.

Accelerated Death Benefit Rider
Gives you the option to receive a percentage of your death benefit if you are diagnosed with a terminal illness. Automatically available if your policy has a death benefit of $10,000 or more. No additional premium cost to you - a fee is charged only if you use the benefit.

The Universal Life Insurance plan is portable. This means that you can take this coverage with you, even if you change jobs or retire.

Optional riders are available at an additional cost.

Applicable to policy forms UL97, UL97NL, UL97-GPO, UL97NL-GPO and rider forms ULSTR, ULCTR, WMD88, R-ACR,
R-GPO(97), Accel(97), ADB88, including state abbreviations where used. If you are in Virginia, please read this important information.
(*Acrobat Reader required. Download Here)

those for your covered spouse and dependent children, to be waived during the period of disability. Available as an employer option on some plans.

The optional Accidental Death and Dismemberment coverage provides additional protection from the financial hardships brought on by an accidental death, and the high costs of recovery and rehabilitation if you suffer an accidental dismemberment.

Your VGTL coverage may be portable. If you retire, reduce your hours or leave your employer, you can still keep your VGTL coverage at the same affordable group rates if you qualify.

Optional riders are available at an additional cost.

Applicable to policy form VGTL-C, including state abbreviations where used. If you are in Virginia, please read this important information
(*Acrobat Reader required. Download Here)

Why Life Insurance?

Term Life Insurance

Level Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Voluntary Group Term Life Insurance (VGTL)