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Polish Women’s Alliance of America wants to help you provide for your loved ones in a simple, easy and flexible way through a range of insurance and annuity products. You can’t know in advance what life has in store for you but you can plan for it. Our plans are an affordable, straightforward way to ensure that your dependents will be financially secure.

PWAA WHOLE LIFE 2006
Whole Life insurance is a good choice for long-range goals.
Provides life insurance protection for entire lifetime. Offers guaranteed, level premiums and guaranteed cash values. In addition to building cash value another benefit is loan value. You do not need to give up your insurance if you are in temporary difficult financial situation. You can borrow money from the cash value you've accrued. The longer you have your policy, the more value you build. The amount of your guaranteed cash value depends on the kind of whole life policy you have, its size, how long you have had it and if dividends are earned.

Dividends are not guaranteed. Dividends are result when the actual life insurance costs turn out to be less than was assumed in setting the premiums. The Board of Directors must approve dividends.

Whole Life offers a guaranteed death benefit that is payable to your beneficiaries as long as all premiums have been paid when due.

Since premiums are level, the younger you are when applying for a whole life policy, the less expensive premiums will be.

PWA Whole Life policies are available to anyone age 16 days old to 85(nearest birthday). The minimum face amount is $3,000 and maximum $50,000.

We are offering Single Premium Whole Life, 10 Years Payment Whole Life and Ordinary Life. The differences between those plans are how long you have to pay your premiums.

	SINGLE PREMIUM WHOLE LIFE (SPWL 2006) With single premium life, you pay up in front all premiums due for the full duration of policy. This requires only one payment and doesn't involve risks that the policy can be canceled for failing to make payments. For Children Rates (Ages 0-20) For Male Rates (Ages 21-85) For Female Rates (Ages 21-85)
	10 YEARS PAYMENT WHOLE LIFE (WL 10P-2006) The premiums are payable for period of 10 years. After 10 years policy is paid-up and cannot be canceled for failing to make payments or any other reasons. For Children Rates (Ages 0-20) For Male Rates (Ages 21-85) For Female Rates (Ages 21-85)
	ORDINARY LIFE (WL-2006) The less expensive from all whole life plans, however premium has to be paid for life. Premiums remain the same year after year.
	EDUCATION LIFE BUILDER 2006 The most popular plans for children ages 16 days to 10 years old. It is combination of whole life insurance and annuity policy. Annuity policy matures on the anniversary of the issue date at child's 19th birthday. For $1,000 benefit rates For $3,000 and over benefits rates
	THE SILVER EQUITY POLICY It is a combination of whole life insurance and an annuity rider. The annuity rider a matures at age 25, on the anniversary of the issue date of the policy.The life insurance policy accumulates cash value and may earn dividends, which allows for the purchase of additional paid-up insurance. The annuity rider is like a savings account with interest compounded yearly. The annuity value is calculated at a 3.5% interest rate. The annuity policy paid at maturity may be subject to federal and state taxes. The annuity balance is payable to the insured at age 25 and will be equal to the face amount, if all premiums are paid as due and no withdrawals are taken. The insurance policy will remain in force, offering continued membership in the PWAA. For Single Payment Rates For 10-Year Payment Rates
	$1,000 WHOLE LIFE POLICY For a limited time, the Polish Women's Alliance of America is again able to offer $1,000 Whole Life policies to members and their friends. Anyone from newborn to age 85 can now apply for a new $1,000 policy. It can either be the 10 Year Payment Whole Life Plan or the Single Payment Whole Life Plan. The policy accumulates cash value and may earn dividends, which allows for the purchase of additional paid-up insurance. This is an excellent opportunity to give children a sound financial start or to increase their and your existing life insurance, as over time insurance needs keep changing. This is also a great occasion to sign ALL YOUR FAMILY members and friends to our organization. With the current rate of job losses and discontinued work-related benefits, PWA wants to help all families to feel saved and secure. The premiums for all ages are posted on our website; below you can see sample rates from newborns to age 20 (to nearest birthday). You also can call the PWA Home Office at 888-522-1898 ext 228 or send email to padowski@pwaa.org to ask for rates and details. For Children Rates (Ages 0-20) For Adults Rates (Ages 21-85)

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TERM INSURANCE
Term insurance is designed for temporary life insurance protection. It is the cheapest form of coverage over a limited number of years. With term insurance, you pay only for life coverage; policy does not accumulate cash value. If you have temporary protection need, Term Life Insurance may be appropriate. It is mainly suitable for younger parents who need substantial insurance coverage at low cost. If you live beyond the end of the term, you get nothing except for the right of converting the term policy to the new whole life insurance without going through the underwriting process.

TERM TO AGE 25 (SPT25-2006)
It is a single premium term policy. This policy is fully convertible to whole life plan of protection of equal or lesser value. The whole life insurance can be any plan that we will provide at the time of the conversion. Our Single Premium Level Term provides valuable life insurance benefits. It also gives your child a solid start toward financial security. Once enrolled, your child is entitled to all benefits of being a member of Polish Women's Alliance of America.

This policy is available to children ages 16 days old to 21 years old (nearest birthday). Can be purchased for $5,000, $10,000, $15,000 or $25,000. To apply for plan only one time premium is needed. It is very inexpensive way to protect your child from newborn to age 25.

For Rates (Ages 0-20)

GUARDIAN TERM INSURANCE

GUARDIAN & GUARDIAN PLUS