INDIVIDUAL LIFE PRODUCTS DIVISION

Shenandoah Life offers a number of great products to fit almost any stage of your life.

The term "life insurance" actually applies to a variety of products. Some are best used as savings vehicles, some are better for buyers with a budget, and some are designed only for a period of time.

However, all life and annuity products have one thing in common. They provide you, your family, and your loved ones with peace of mind. Your decision to purchase a life or annuity product is an important one, so make sure you are knowledgeable about what you need, when you need it, and for whom you need it.

Shenandoah Life is licensed to do business in 31 states and the District of Columbia. Please keep in mind that all products may not be available in all states. Please check with a Shenandoah Life agent if you are interested in a particular product.

Senior Needs

Shenandoah Life's focus is on making sure all of our customers are well-provided for - especially our senior customers.

As a mature customer, you have different needs - you want to provide for your family after you're gone, and you also don't want your final expenses to be a burden on family members.

To provide for your needs, we developed several products that meet very different objectives.

Annuities are a good way for you to accumulate income that you may need later in life. Annuities are similar to life insurance in that you purchase an annuity product with a premium, just like life insurance. However, annuity payouts begin while you are still alive, so you can enjoy the fruits of your labor. The remaining proceeds in an annuity are paid to your beneficiary at your death.

Safe Choice® II, Shenandoah Life's most widely sold annuity, offers a 3.0% guaranteed minimum interest rate, and a first-year bonus of 1.5%, for an excellent minimum return of 4.5% in the first year. Shenandoah Life also offers a flexible premium deferred annuity (FPDA2) and a single premium deferred annuity (SPDA2.)
 

Universal Life Altis® I and II and Altis® 100 Plus are Shenandoah Life's premier universal life policies. These policies provide you with superb financial flexibility because they give you excellent protection, as well as the option to use some of your funds during your lifetime. UL policies build cash value and can function as a savings vehicle.
Whole Life A Whole Life policy covers you for your entire life, not just a specific period. Your death benefit and premiums are guaranteed to remain the same, and your policy also builds cash value. Shenandoah Whole Life is sold to those consumers who want protection with guarantees.
Term Life Term life insurance means just that - it is in force only for a certain period, or term, of time. Shenandoah Term is our most basic type of insurance. Premiums are based on your age at time of purchase and your health. Your premiums remain constant during the specified term period. Shenandoah Term is available for periods of 10, 15, 20, 25 or 30 years. (Premiums are projected to remain level for your entire term period, and are guaranteed to remain level for 5, 10, 13, 15 and 17 years, respectively.)
Mortgage Protector® II Mortgage Protector® II is also term insurance, but it is sold only to people who have bought or re-financed a home in the past two years. Mortgage Protector® II is available in 10, 15, 20, 25, or 30-year periods, and offers good protection at a price that makes sense with your family budget.
Build Your Estate... and Protect It Legacy SolutionSM III is our premier senior market product, and can be an excellent product for your estate planning needs. Many of you have funds you've worked hard to accumulate, and you want to leave this money to your children and grandchildren. However, many traditional money saving accounts, such as CDs, annuities, and Money Market accounts, are not the best funds to choose for asset reallocation. Life insurance death benefit proceeds from Legacy SolutionSM III pass to your beneficiary federal income tax-free under current tax law*, and can avoid the costs and delays associated with probate.
Make Them a Promise Golden Promise® is Shenandoah Life's whole life product, designed exclusively for the senior market. Golden Promise® is most often used to pay final expenses. It is available to seniors ages 50 - 85, and offers low face amounts. You can purchase life insurance at a premium that makes sense with your budget, and you don't have to worry about your loved ones being put under financial strain to handle your final expenses after you're gone.
Additional Health Protection Medicare Supplement is health insurance to fill some of the "gaps" in the original Medicare plan. Shenandoah Life offers seven different Medicare Supplement plans, plans A through G. You can protect yourself from potentially hefty medical bills by enrolling in a Medicare Supplement Plan today.

Altis® I, L-1010-5/96, Altis® II, L-1011-5/96, Shenandoah Whole Life, L-1017-3/00, Shenandoah Term, L-1009-11/94, Mortgage Protector® II, L-1022-8/04. State suffixes to the form numbers may be applicable where there are state-specific versions of this form.

Legacy SolutionSM III, L-1021-03/04, Living Legacy® II, L-1019-10/00, A-3009-2/99, Golden Promise®, L1012-9/98, L-1013-9/98, L-1014-9/98, L-1018-5/00. State suffixes to the form numbers may be applicable where there are state-specific versions of this form.

*If legal or other expert assistance is required, the services of a competent professional should be sought. This is not intended to provide either legal or tax advice. The information is intended to be accurate based on our understanding and interpretation of tax laws, which are subject to change.

Safe Choice® II, A-3010-N-1/03, A-3010-Q-1/03. FPDA2, A-3006-N-6/95, A-3006-Q-6/95. SPDA2, A-3004-N-6/95, A-3004-Q-6/95. State suffixes to the form numbers may be applicable where there are state-specific versions of this form.