Introducing
Youth Life... Just $1 buys your child, your grandchild or young person $5,000.00 of life insurance for an entire 3 months; then, just $20 a year (just $1.67 per month) after that!

Why should anyone ever think about buying life insurance for a child or young person?

There's nothing, not all the money in the world can compensate for such a tragic loss.

We at Starmount know that.

  First of all, the primary advantages are for the child's future,…to make sure he or she will have protection of permanent insurance as an adult. At age 25, the $5,000.00 modified whole life insurance converts automatically to a $5,000 permanent whole life policy that builds cash values and stays in force for the life of the insured, as long as premiums are paid. You can start with as much as $25,000. Over the years you will have the opportunity to build it to $50,000.

  The conversion to permanent life protection is unconditionally guaranteed. There are no exceptions. Even if the insured could not normally qualify for reasons of deteriorating health. Guaranteed even if the insured young man or woman were to be in the armed forces or be involved in dangerous sports or hazardous work. The amount of insurance cannot be reduced nor the premium be increased…ever.

The insured will periodically be considered for opportunities to add more insurance…opportunities to have as much as $50,000.00 in valuable, permanent protection.

  All you pay for $5,000 of insurance for the first three months is $1. Starting with the 4th month, your cost is just $20 a year. That's less than $1.70 a month until the child's 25th birthday. Now that's truly affordable insurance.

  As parents and grandparents, we know life is filled with uncertainty. Fatal accidents can strike suddenly, unexpectedly-even young children. The risk of dread disease has never been greater than it is today. Insurance can help lessen the financial burdens to be faced should such tragedy strike. Youth Life Insurance gives you the peace of mind of knowing that should misfortune occur, you will not have the added burden of final expenses.

Youth Life is value-packed with quality features
generally found only in more expensive policies. It includes…

• Your choice of 5 benefit amounts - either $5,000.00, $10,000.00, $15,000.00, $20,000.00 or $25,000!
  
  
• The entire first 3 months of protection costs only $1 for $5,000.00
  ($2 for $10,000.00; $3 for $15,000.00; $4 for $20,000.00; $5 for $25,000.00)!
  
  
• You then pay just $20 per year…less than $1.70 per month ($40 per year if you select $10,000.00 of insurance…just $3.33 per month; $60 per year for $15,000.00 of protection …just $5.00 per month; $80 per year for $20,000.00 of protection …just $6.67 per month; $100 per year for $25,000.00 of protection …just $8.33 per month)!
  
  
• Lifetime protection is guaranteed! At age 25, this policy converts automatically to permanent, whole life insurance and your policy starts to build valuable cash values. Beginning then, the cost of this permanent whole life insurance becomes only $1.25 a month per $1,000.00 of insurance. It lasts for life!
  
  
• The cash benefit amount never decreases!
  
  
• The cost is then guaranteed never to increase!*
  
  
• No physical exam!
  
  
• Starmount's risk-free one year Unconditional Money-Back Guarantee! If you change your mind at any time during the first year, return your policy, and all your money will be cheerfully refunded.
  
  
• The insured will be considered for opportunities to increase the benefit amount in future years…UP TO $50,000.00!

  Here's what to do now. Complete the on-line application, or contact us to request any additional information. The first three months' premium is only $1 - payable by Visa, MasterCard (except in Alabama and Pennsylvania), or your personal check; ($2 if you want $10,000.00 of coverage; $3 for $15,000.00 of coverage; $4 for $20,000.00 of coverage; $5 for $25,000.00).

  There's no risk, because you're protected by Starmount's risk-free One Year Unconditional Money-Back Guarantee!

P.S. We'll even take your application over the phone or answer any questions you may have about Youth Life or other life insurance.
Call us toll-free at 1-888-SAY-LIFE (that's 1-888-729-5433).

Protect Tomorrow…by Planning Today!®

*Your premium will never be changed unless a change is made for all policyholders in your class.

Billing Times: Annually, Every six months
Billing Methods: Visa, MasterCard (except in AL and PA), checking account deduction, or direct bill

Policy Form:084-01 APP R9




Life Insurance