We live in a world of options and we are constantly bombarded by choices. Some of these make our lives more complicated, but many of these choices are created with our satisfaction in mind.

At the Knights of Columbus, every product we offer has been designed solely for the benefit of our members and their families. When I present an option to you, it’s because a team of experts has discussed it at length to be certain it serves your best interest.

We have a few options on how you can provide and pay for the whole life coverage that your family needs. Many whole life policies call for premiums to be paid for your entire life or to age 100. But we also offer permanent life coverage with guaranteed cash values (and the potential to earn dividends, which are not guaranteed) through policies that offer a limited period of premium payments.

First, we offer “10 Pay Life” and “20 Pay Life.” Consider paying premiums for 10 or 20 years, and never having to pay for the coverage again. The plan is “paid up” and no more premiums are due. The plan stays in force, the death benefit remains intact and the guaranteed cash value continues to grow.

A plan with similar benefits is “Life Paid Up at 65.” The difference over 10 or 20 Pay Life plans is that this permanent product requires you to pay premiums until age 65. Then, premiums stop (just in time for retirement), but the plan remains in force.

Finally, the ultimate in limited pay is our Single Premium Life product. Imagine buying life insurance — permanent life insurance — and only paying one single premium? It’s possible.

To learn more about these products, our long-term care insurance, disability income or retirement products, please call me today.

Marco Manrique
CA LIC 0I39878
(707) 301-1783
marco.manrique@kofc.org

Concerned about a comfortable and worry-free retirement? In addition to our traditional Flexible Premium Annuity, the Knights of Columbus offers the VANTAGE Single Premium Deferred Annuity, and it may be part of the answer for you.

With a single deposit of $25,000 or more, the VANTAGE allows you to lock-in a guaranteed interest rate for five years. In addition, there are several attractive renewal options once the five-year period has expired, including keeping the funds in another VANTAGE Annuity, placing them in a more traditional flexible premium annuity where the interest rate can be changed on a quarterly or more frequent basis or — in the 30-day period prior to the fifth and tenth policy anniversaries — withdrawing the funds without a surrender charge.

The VANTAGE Annuity, along with our Flexible Premium Annuity, provides the guarantees that Knights of Columbus members have come to expect — guaranteed interest rates along with absolute safety of principal. In addition, we can easily accommodate rollovers and transfers free of charge.

I will be happy to meet with you at your convenience — in your home — to discuss with you in detail how the Knights of Columbus can help you to secure the comfortable, worry-free retirement you want and deserve.

Justin Tanjuaquio, FICF
(916) 726-0981 CA LIC 0C46842
justin.tanjuaquio@kofc.org

If you knew that today was the last chance you would ever have to buy life insurance, how much would you buy?

If you had a money-making machine, that once broken could never be repaired, how much would you insure it for?

If you knew that today was the last time you would have the opportunity to guarantee your family an income if something happened to you, how much would you give them?

If you knew that today marked the end of your ability to buy future retirement security, how much would

you buy?

 Isn’t it safe to say that you would put some additional dollars into more life insurance protection that could

be used for family or retirement benefits? Chances are that you will be around for a long time, but life is full

of “ifs” and surprises, isn’t it?

 Let me help you plan for your family’s protection. Let’s get together as soon as possible .

Brotherly yours,

Justin Tanjuaquio, FICF

(916) 726-0981 CA LIC 0C46842

justin.tanjuaquio@kofc.org

When your family is hungry, you see that this need is taken care of quickly. You don’t put it off
until tomorrow; you act immediately to the best of your ability. As a provider to your wife and
children, your responsibilities are great and your time is spread thin. It is easy to forget
important tasks or let them slip to the back burner for later.
Every day, including your health, can change in the blink of an eye. Don’t do it tomorrow what
you can do today. As your professional Knights of Columbus agent, I urge you to make securing life insurance
for you and your family a top priority.
It is my fraternal obligation to make sure that every member has the opportunity to protect his family with the
Order’s top-rated insurance products. I will work with you and put a plan in place that will help your family
when that help is what they needed the most.
Your K of C insurance program is second to none. As the premier safety net for Catholic families for more than
130 years, our insurance program makes me proud. I’m very concerned that too many of our brother knights
have not yet looked into the needs of their families. I think for many of them, life insurance has drifted to the
back burner until to-morrow. Don’t be one of them. Move your insurance needs to the forefront today.
Let’s get together as soon as possible.
Brotherly yours,
Justin Tanjuaquio, FICF
(916) 726-0981 CA LIC 0C46842
justin.tanjuaquio@kofc.org

If you haven’t visited the Knights of Columbus Web site in a while, I encourage you to do so the next time you’re online.  There are many exciting features on www.kofc.org, but there are two that I wish to make you especially aware of.

The first is our member testimonial area, titled “Stages of Life.”  In this multi-media area, six “real-life” stories are told – stories of people at different stages of their lives.  Chances are one of them will sound a lot like you.  These people talk about how their Knights of Columbus agent took the time to demonstrate for them the need for life insurance in their lives.  I’ll be happy to do that for you and your family as well.
(Also be sure to read, if you have not already the May 2010 Columbia Magazine.  It also tells Real Life Stories and gives information about our Life Insurance, LTC and Retirement Annuities.)

The second is our Life Insurance Calculator.  This handy, easy-to-use online tool was developed to allow you, in about 15-20 minutes, to estimate the amount of life insurance coverage you need.  The information you’ll be asked to provide will be basic (the type most folks would tend to have at their fingertips), and secure (it’s intended to be used solely for the purposes of the online calculator – the Order won’t capture it or share it with anyone, including me!).

I stress that the number you’ll receive is an estimate, based on the basic information you provide.  It’s not intended to take the place of the free, professional needs analysis that I’ll be happy to provide for you and your family.  Give me a call – I’d like to meet with you.

Please contact me for any help I can offer you.
Brotherly yours,

Justin F. Tanjuaquio, F.I.C.F.
CA LIC.#; 0C46842
(916) 726-0981
justin.tanjuaquio@kofc.org

If you make the commitment to protect your future income by buying disability insurance, look closely at any available extra coverages called “riders” that may add considerable long-term advantages at a moderate cost.

Two of the riders available with a Knights of Columbus Income Armor policy are the Cost of Living Adjustment
(COLA) and the Guaranteed Purchase Option (GPO)

COLA: Each year, the benefits your policy provides for disabilities that last more than one year will increase to help compensate for inflation. Medical costs continue to increase significantly each year, and that trend is not likely to change anytime soon.

GPO: At some point after buying your Income Armor policy, you may see a need to increase the base monthly benefit for which you’re eligible. Without this rider, the increase would be subject to a medical exam. If you’ve developed a health condition that makes you medically ineligible, you would not have that option. With this rider, you don’t need to provide evidence of insurability.

If you don’t have disability insurance or you have it through work but don’t know how much protection it actually provides, let’s have a discussion to see if Income Armor makes sense for you.

Please contact me for any help I can offer you.
Brotherly yours,

Justin F. Tanjuaquio, F.I.C.F.
CA LIC.#; 0C46842
(916) 726-0981
justin.tanjuaquio@kofc.org