Trustmark Universal Life Insurance with Long-Term Care Benefit

Solving the long-term care issue

At any point in your life, you may need long-term care

services, which could cost hundreds of dollars per day.

Universal Life includes a long-term care (LTC) benefit

that can help pay for these services at any age.

Here’s how it works:

You can collect 4% of your Universal Life

benefit per month for up to 25 months to

help pay for long-term care services.

Flexible features available:

PLUS: If you collect a benefit for LTC, your

full death benefit is still available for your

beneficiaries, as much as doubling

your benefit.

The LTC Benefit is an acceleration of the death benefit and is not Long-

Term Care Insurance (except in LA, where the LTC benefit is Long-Term

Care Insurance.) It begins to pay after 90 days of confinement or services,

and to qualify you must meet conditions of eligibility for benefits.

Pre-existing condition limitation may apply. Benefits may not be

available in all states or may be named differently. Your policy will

contain complete details.

Trustmark Universal Life Insurance

with Long-Term Care Benefit

Financial security even after a loss

Protecting your loved ones is one of life’s greatest

responsibilities. When a family loses someone, in

addition to grief, survivors may suddenly be faced with

costly expenses and debts, and even a loss of income.

Universal Life can help.

Whether you are married, a parent or single and

starting out, Universal Life helps take care of the people

important to you if tragedy happens. You can choose

a benefit amount that provides the right protection

for you.

Universal Life insurance can mean those left behind

can still pursue their own dreams, and help ensure

that the ending of one story won’t stop the beginning

of another.

Universal Life sample rates

Sample ranges of weekly rates for employee-only, non-smoker

coverage. Your exact rate may depend on additional features selected

by you and/or by your employer.

Age at purchase $25,000 policy

30 from $5.06 – $6.27

40 from $7.42 – $9.44

50 from $11.92 – $15.44

Sample rates are shown for illustrative purposes only. Rates may vary by

age, smoking status, state, employer and features selected by you and/

or by your employer. An application for insurance must be completed to

obtain coverage.

Universal Life is flexible permanent

life insurance designed

to last a lifetime.

The younger you are when you enroll,

the more benefit you receive

for the same premium.

No medical exams or blood work –

just answer a few simple questions.

See reverse for more information on Universal Life insurance from Trustmark Insurance Company.

Two important coverages in one to help protect you for life.

$25,000

Initial benet

$41,299

After 5 years

$53,845

After 10 years

1 in 3 households would

have immediate trouble

paying for living expenses

if they lost their primary

earner.

40%

40% of Americans live

paycheck to paycheck.

Could your family afford

to stay in your home?

56% of Americans have

less than $10,000 saved for

retirement – 1 in 3 have $0

saved. Wouldn’t it be nice

to have some protection?

This is a brief description of benets under GUL.205/IUL.205 and applicable riders HH/LTC.205, BRR.205, BXR.205, ABR.205, ADB.205, CT.205 and WP.205. Benets,

exclusions, form numbers and limitations may vary by state. This policy guarantees against lapsing for 10 years as long as planned premiums are paid. If you make

changes during this period, or pay only the minimum amount, your cash value may not accumulate, or your death benet may reduce. If there is negative cash value

at the end of your no-lapse period, you must make up the premium to establish positive cash value. You may need to pay more premium to maintain your policy than

the rate you paid to keep the no-lapse guarantee, or coverage may end before age 100. An illustration will be delivered with your policy. For costs and coverage detail,

including exclusions, reductions, limitations and terms, see your agent or write the company. Underwriting conditions may vary, and determine eligibility for the offer

of insurance. For exclusions and limitations that may apply, visit www.trustmarksolutions.com/disclosures/UL/ (A112-2216-UL). In California, review “A Consumer’s

Guide to Long-term Care from the Department of Aging” at:http://www.aging.ca.gov/aboutcda/publications/Taking_Care_of_Tomorrow_English/.

2016 Insurance Barometer Study LIMRA/Life Happens, lifehappens.org/industryresources/agent/barometer2016.

nielsen.com/us/en/insights/news/2015/

saving-spending-and-living-paycheck-to-paycheck-in-america.html.

gobankingrates.com/retirement/1-3-americans-0-saved-retirement.

An A.M. Best rating is an

independent opinion of an insurer’s nancial strength and ability to meet its ongoing insurance policy and contract obligations. Trustmark is rated A- (4th out of 16

possible ratings ranging from A++ to Suspended).

More flexible features

• Buy term life insurance

for your children. They can

later simply convert it to

a permanent Universal

Life policy.

Additional advantages

• Keep your coverage at the

same price and benets if you

change jobs or retire.

• Apply for coverage for family

members: spouse, children

and grandchildren.

• Convenient payroll

deduction; pay via direct bill,

bank draft or credit card if you

leave your employer.

What can Universal Life

benefits help pay for?

Funeral and

burial costs

Rent or mortgage

payments

Tuition and loans

Credit card bills

Medical expenses

Retirement savings

Benefit for terminal illness

• Use part of your death

benet if you’re diagnosed

with a terminal illness to help

manage costs.

What would happen if you weren’t around?

Plus: grow your benefit with EZ Value

The EZ Value option can automatically increase your benet amount over

time – without any medical questions.

Example: $1 increase

in weekly premium

each year, for 10 years.

Example is for age 40, employee only, non-smoker coverage, with long-term care benet and no

additional features. Actual values will vary by age, smoking status, benets selected and interest rates.

Increases may be available for a maximum of 5 or 10 years, depending on employer selection.

Underwritten by Trustmark Insurance Company

Rated A- (EXCELLENT) A.M. Best

trustmarksolutions.com

ULLTC-BRR-CTR-EZV