Request a Life Insurance Quote! SPJST provides peace of mind with a vast variety of life insurance products.  SPJST's life insurance products are designed especially for you and your family.  SPJST offers two types of life insurance:  term and whole life.  SPJST also offer annuities. Term Insurance Term Life for Adults 10-Year Term (ages 18 to 75) 15-Year Term (ages 18 to 70) 20-Year Term (ages 18 to 65) 30-Year Term (ages 18 to 55) Term 4 Life (ages 18 to 70) Whole Life Insurance Permanent Life for Adults Whole Life Adult (ages 18 to 80) 20-Pay Life (ages 18 to 60) Lone Pay Life (ages 18 to 80) Life Paid-Up at Age 65 (ages 18 to 55) Priority Life (ages 18 to 85) Universal Life (ages 18 to 80) Final Expense (ages 40 to 80) Permanent Life for Kids Juvenile Whole Life (ages 0 to 17) Youth Achiever (ages 0 to 15) Lone Pay Life (ages 0 to 17) 20-Pay Life (ages 0 to 17) Universal Life (ages 0 to 17) Life Paid Up at Age 65 (ages 0 to 17) Priority Life (ages 16 and 17) Annuities available to SPJST members IRAs (qualified and non-qualified) ROTH IRAs

Term Insurance Of the two basic types of life insurance, term insurance premiums are the lowest because term insurance offers death protection only and is in effect for a limited period. For example, a member with a 10-year term certificate has protection for that 10-year period -not beyond. If the certificate is renewable, it may be extended for another period at a premium based on the new age. If not renewable, a new certificate may be purchased at the new rate, provided the certificate holder remains insurable. SPJST typically writes term certificates for 10-year, 15-year, 20-year, and 30-year terms on a level premium basis. Prior to age 65, you can convert an SPJST term certificate to a permanent plan of insurance with a cash value. Who typically buys term insurance? This varies, of course; however, likely purchasers are young couples starting careers. When budget constraints prohibit purchasing the desired amount of cash value insurance, term insurance is often substituted. The term insurance provides them with a high amount of protection at a low premium. The following listing provides a brief summary of the term insurance options that are available: Term 4 Life Plan. Combines elements of both term and whole life insurance. The plan offers level lifetime coverage to age 99 and premiums which start at less than half of a guaranteed whole life premium. 10-Year Term. A modern term product issued to ages 18 through 75. Premiums are guaranteed for 10 years and can be renewed annually after that to age 95. Renewals are guaranteed, even if your health is not perfect. 15-Year Term. Just like the 10-Year Term, except premiums are level for 15 years. Issued to ages 18 through 70 with standard and preferred rates available for smokers and non-smokers. Convertible to permanent coverage prior to age 65 with no health requirements. 20-Year Term. Level premiums for 20 years (guaranteed level for 10 years). Issued to ages 18 through 65. Just the thing for young families to provide benefits for the family while the children are growing up if the breadwinner dies. 30-Year Term. A very sensible term product. Premiums are level for 30 years (guaranteed level for 20 years). Issued to ages 18 through 55. It is excellent for mortgage cancellation as well as providing inexpensive coverage before retirement.

Whole Life Insurance As its name suggests, whole life insurance furnishes protection for the "whole life" of the purchaser, regardless of the premium-paying period. Whole life insurance is often purchased not only as premature death protection but also as a vehicle for accumulating funds for emergencies and for retirement. An SPJST whole life certicate also has cash value that can be used to take advantage of business or investment opportunities, held defray your children's college costs, or help build retirement income. It also offers guaranteed protection and guaranteed growth at a guaranteed price. The SPJST offers several whole life insurance products: Youth Achiever. Children will outgrow clothes and the shoes but the SPJST Youth Achiever life insurance certificate offers benefits that can last a lifetime. What's more, it's very affordable! You can get $10,000 to $50,000 of life insurance coverage for your child or grandchild for just pennies a day. Premiums are low:  $70 annually per $10,000 unit of coverage, with a maximum of five units per child. The SPJST Youth Achiever certificate also builds cash value. Priority Life. A whole life product designed as a final expense certificate for ages 16 to 85. Eligibility is determined by a short medical questionnaire. Physical exam and blood test are not required. This product is affordable and written with relaxed underwriting requirements. Lone Pay Life. A whole life product available with just one premium. The certificate is then paid-up. Issued to ages 0 through 80. Adult and Juvenile Whole Life. A whole life product designed for both young and mature applicants that offers affordable premiums and builds cash value. Adult and Juvenile 20-Payment Life. A whole life product designed for both young and mature applicants with premiums payable for 20 years. Issued to ages 0 through 60. Life Paid Up at Age 65. You are covered to age 100, but you only pay premiums to age 65. Cash values are available and continue to grow to age 100. Enjoy your retirement without life insurance premiums! Final Expense Plan. A whole life plan designed to help with your final expense needs whether you are in perfect health or even have health concerns (not guaranteed issue). Coverage is available on a modified, graded or level death benefit basis. The level death benefit has inflation protection available to cover final expenses as they increase each year. Available from ages 40 to 80 with premiums payable for life or as a one-time single premium. Heritage Plan. The SPJST Insurance Department is proud to introduce a new product! It's the SPJST Heritage Plan, and it's a present for the future. The SPJST Heritage Plan is a whole life plan to age 100 with level lifetime premium payments.  At the death of the insured (grandfather/grandmother), a level annual payment will be paid to the beneficiary (grandchild).     The death benefit amount is based on the amount of the benefit that the grandparent wishes to leave a grandchild as a legacy.  The death benefit will be placed into an immediate annuity by SPJST where the benefit amount will be paid annually to the beneficiary on his/her birthday or another date selected by the grandparent for 20 years.     If the birthday is selected, for example, the grandchild will receive a birthday card and the benefit amount each year for 20 years after the grand-parent passes away.  If the grandchild is under age 18, the payment will either be paid to a legal guardian if one is in place or can be held at interest until age 18.     The minimum benefit amount is $333 annually to the beneficiary for 20 years with a minimum face amount of $5,000.  The maximum benefit amount is $2,333 annually to the beneficiary with a maximum face amount of $35,000.     We are confident this plan is a unique way for a grandparent to leave a legacy for his/her grandchild.  The SPJST Heritage Plan. A present for the future. Contact an SPJST sales agent or the SPJST Home Office for more information. Universal Life Insurance Universal Life is something of a hybrid when it comes to insurance certificates. Basically, it is an all-purpose, interest-sensitive plan designed to fit the widest range of needs. Universal Life offers a level monthly premium with a level- or an increasing-death benefit option. In addition, it offers the member an interest-sensitive cash value with a guaranteed rate of interest. For current rate, contact the SPJST Home Office. The accumulation of cash values are tax-free until distribution. Death benefits are also exempt from taxation.

SPJST Annuities In addition to providing affordable insurance to its members, the SPJST offers a quality member benefit geared toward minimal risk with optimum gain - the SPJST Annuity. The purpose of an SPJST annuity is to assure a person of an income which cannot be outlived. An SPJST annuity can also be qualified as an IRA. SPJST also offers its members Roth IRAs. Click here for current annuity rates. Note: SPJST Life Insurance and annuity products are only available in Texas.   Sales Agents Selecting the right insurance plan for you and your family is an important decision and one that should never be entered into blindly. That's where an SPJST Sales Agent can help. In many cases, your SPJST Sales Agent is someone you know and someone who knows about the many insurance options available to you. When you're ready to review your present coverage, give your SPJST local lodge sales agent a call. If you are not sure about who to talk to, please contact the SPJST Home Office for the names of sales agents in your area. COMING SOON.  List of SPJST Sales Agents

SPJST • P.O. Box 100 • Temple, Texas 76503
(800) 727-7578 • info@spjst.org