GUArAnteed renewABle dISABIlItY InSUrAnCe

ClIent HIGHlIGHtS A plan that protects your most valuable assetthe Union Central life Insurance Company

DI 1013 1/08

Customized coverage—person by person.To enhance and expand your coverage, you may add either or both of the following riders*:

• Partial Disability Rider. If you are partially disabled as defined in the policy, this rider will pay half of the minimum monthly total disability benefit during the period of partial disability.

• Social Insurance Substitute Rider. Pays additional benefits each month you are totally disabled due to an illness or injury. If you are receiving Social Insurance benefits, this rider will pay the benefit amount less any government benefits received. Provisions vary in New York and New Jersey.

Premium discounts make a good value even better.Reduced premiums are available to policyholders who meet certain requirements. You may receive a lower premium if you:

• Do not use tobacco.

• Are insuring three or more lives in a company.

• Pay a double annual premium when your policy is issued. (Not Available in New York.)

You depend on your income…Why risk losing your financial security in the event of a disabling illness or injury? You don’t expect to become disabled, but it could happen. Approximately 30 percent of all people age 35 to 65 will suffer a disability for at least 90 days, and about one in seven can expect to become disabled for five years or more.†

Union Central’s Disability Insurance Plan goes to work when you can’t. It pays a monthly benefit when you need it most — when you have no regular income and still have the same monthly living expenses.† Health Insurance Association of America, The New York Times, February 2000.

All the benefits you expect, and more.The plan offers you a choice of benefit periods and waiting periods — and it’s Guaranteed Renewable** to age 65.

You have insurance on your home, cars and other assets. But what about insuring your greatest asset–your ability to earn an income? If you were disabled as the result of an illness or injury, would your loss of income threaten

your family’s financial security? It won’t if you have the right plan in place. A disability

insurance plan from Union Central can make all the difference.

Guaranteed renewable disability insurance

a Plan that Protects your Most Valuable asset

To protect your income, you need a plan.A Union Central Disability Insurance Plan helps protect you from a loss of income should you become disabled as the result of an illness or injury.

Now’s the time to plan for the unexpected. Ask your insurance representative to help you design the Guaranteed Renewable Disability Insurance Plan that’s right for you.

For more information about Guaranteed Renewable Disability Insurance or any other products for business, personal, or family needs, contact your insurance representative.

* May not be available in all states.** Guaranteed Renewable means as long as premiums are paid we

cannot cancel the policy or add restrictions. We do reserve the right to change the premium rates of all policies among a class of insureds in the same state.

coverage explanation

Nondisabling If you suffer a nondisabling injury requiring medical treatment prescribed by a physician or injury requiring repair to natural teeth prescribed by a dentist, the plan will pay the expense of such treatment up to the maximum amount stated in the policy.

Good health For every policy year you complete without receiving benefits under the policy, the waiting benefit period will be reduced by two days. The benefit will not reduce the waiting period to less than 30 days. Not available in New York.

Presumptive For certain losses, such as the total loss of sight, hearing, speech, or use of both hands, both feet, total disability or one hand and one one foot, total disability benefits will be paid for up to the maximum benefit period from the date of loss. Loss is not required to be permanent or irrecoverable.

Survivor benefit If you should die while benefits are being paid under the policy, an additional three months of benefits will be paid to your designated beneficiary, if any; otherwise, to your estate.

Surgical If you are disabled as the result of having been a surgical transplant donor after six months transplant from the issue date of your policy, you are eligible for benefits under the policy. The waiting period will be waived.

Waiver of If you are totally disabled for at least 90 days, premium payments will be waived during premium the period of total disability and back to the date of loss.

Successive If disability recurs from the same or a related cause within six months of the disability for periods which benefits were being paid, the waiting period will be waived. of disability

Rehabilitation The policy may pay for a rehabilitation program in addition to payment of the monthly benefit.

Reduced If you do not use any form of tobacco, you may pay a lesser premium than tobacco users. premium

Coverage includes:

About the UNIFI Companies

The UNIFI Companies—Ameritas Life Insurance Corp., Acacia Life Insurance Company and The Union Central Life Insurance Company and their affiliated companies—offers a wide range of insurance and financial products and services to individuals, families and businesses. These products and services include life insurance, annuities, individual disability insurance, retirement plans, investments, mutual funds, group dental and eye care insurance, banking and public finance.

The organization’s financial strength and stability are reflected in strong financial ratings from independent analysts. The life insurance companies’ heritage, dating back to 1867, is built on traditional values, high ethical standards and trusted relationships. For more information, visit the UNIFI Companies web site at www.UNIFIcompanies.com.

Securities offered through affiliate Ameritas Investment Corp. Member FINRA/SIPC.

For use with contract UC 4402 S.

The Union Central Life Insurance Company1876 Waycross Road

Cincinnati, Ohio 45240800-319-6901

www.unioncentral.com

© 2008 The Union Central Life Insurance Company

DIsAbIlIty INCome INsUrANCe

ClIeNt HIgHlIgHts Designing an income protection planthe Union Central life Insurance Company

DI 1071 5/07

Disability income insurance

What is your greatest asset: your home? your business? they are both vital to your

lifestyle, and they are the result of your most valuable asset–your ability to earn an

income. If you become too sick or hurt to work, what would happen to everything

you have worked so hard to build for yourself, your family and your future?

“It won’t happen to me.”You probably think of a disability as something that happens to other people. But simply believing “it won’t happen to me” doesn’t mean at some time in your life you won’t be faced with a disabling illness or injury. Becoming too sick or hurt to work can happen to anyone at any time.

What is the probability of becoming disabled in your working lifetime?*At Age 25 1 in 4 35 1 in 5 45 1 in 6 55 1 in 8

* Source: 1985 Commissioners’ Disability Table

annual salary

age $25,000 $35,000 $50,000 $60,000 $100,000 $125,000 $150,000

30 $925,000 $1,295,000 $1,850,000 $2,220,000 $3,700,000 $4,625,000 $5,550,000

35 800,000 1,120,000 1,600,000 1,920,000 3,200,000 4,000,000 4,800,000

40 675,000 945,000 1,350,000 1,620,000 2,700,000 3,375,000 4,050,000

45 550,000 770,000 1,100,000 1,320,000 2,200,000 2,750,000 3,300,000

50 425,000 595,000 850,000 1,020,000 1,700,000 2,125,000 2,550,000

55 300,000 420,000 600,000 720,000 1,200,000 1,500,000 1,800,000

60 175,000 245,000 350,000 420,000 700,000 875,000 1,050,000

Why is your income your greatest asset?The table below shows how much money you could earn if you work until you reach the age of 67.

Disability income insurance

the Disability Problem.Becoming too sick or hurt to work is one of the

most serious problems you and your family could ever face. If you should suffer a severe injury or illness, you could lose the income that provides

you and your family with a home, food, transportation, clothes and other necessities.

Sometimes a disability is short term, and a quick return to work is possible. But if an injury or

illness causes a long-term disability, often there are additional costs including long-term care and

the extra assistance needed to help your family function in your absence. This could greatly

increase the financial burden on your family.

Take a look at the chart below to see what could happen to your ability to save should you

become disabled.

resources Drawbacks and limitations

Social Security 69% of all initial Social Security applications are denied*

Savings and investment accounts

If you save 10% of your income per year, one year of disability without a disability policy could use 10 years of savings and investments.

Employee group disability

Many plans cover only base pay and have a cap on benefits. Benefits are often taxable.

Workers’ Compensation It pays only a limited amount over a relatively short period of time and only covers losses due to a work related illness or injury.

Loan from a bank Who will lend funds to you, if you can’t work? How will you pay it back if you remain disabled?

Friends and relatives They may be willing to help, but their resources may be limited.

Spouse’s income Can your spouse continue to work while caring for you and managing the household?

* Source: United States House of Representatives Committee on Ways and Means, 1996.

Where would you turn for help?If you should become too sick or hurt to work, the question is: Where would the money come from?

An income protection plan can help provide security for your family if something should happen to you.

You work to provide a continuous income, whether you are the sole breadwinner or one who shares this responsibility. If you lost your earning power as the result of a disabling illness or injury, a disability insurance plan would provide continuity of income when you need it most. For you and your family, it could mean the difference between financial distress and financial stability.

Today’s Situation(Healthy & Working)

Tomorrow’s Situation: INABILITY TO WORK

(Injury or Illness)

DEBT!IncomeSavingsExpenses

Disability income Data sheet

the union central life insurance company individual financial needs analysis

expenses monthly amount

1. Rent/Mortgage $

2. Food $

3. Utilities (water, heat, electricity, telephone) $

4. Transportation (car payments, maintenance, repairs, insurance, gasoline) $

5. Installment payments (credit cards, loans) $

6. Insurance premiums (life, health, car, medical) $

total monthly expenses $

income monthly amount For how long? Waiting period

1. Current disability benefits* (group, individual, association) $

2. Other benefits (Social Security, Workers’ Compensation, veteran’s compensation, etc.)

$

3. Other income sources (stocks, bonds, savings) $

total monthly income $

* Provide benefit booklet or insurance contract.

Name: __________________________________________________________________________

Sex: o Male o Female Tobacco user: o Yes o No D/O/B: _________________

Occupation (Including specific duties): _____________________________________________________

_______________________________________________________________________________

Waiting period desired: _____________________ Benefit period desired: ________________________

self-employed non-self-employed

Gross business income: ______________________ Salary: ___________________________________

– Business expenses:________________________ + Bonus: _________________________________

= Other earned income: _____________________ + Other earned income: _______________________

Pension contribution: _______________________________________________________________

Unearned income over $20,000: ________________________________________________________

Resident State: ___________________________ Contract State: __________________________

State of Employment: ______________________

State cash sickness: o Yes o No Eligible for social security: o Yes o No

Existing coverages: o LTD o STD o Sick pay o Individual

Details of existing coverage: ___________________________________________________________

_______________________________________________________________________________

Disability income Data sheet your personalized income protection plan.

Duration

bene

fit a

mou

nt

Highlights and features your policy will include:

• NonCancellable and Guaranteed Renewable for the entire coverage period

• Premiums guaranteed not to increase for the entire coverage period

• Choice of benefit and waiting periods

• Nondisabling Injury Benefit (most states)

• Good Health Benefit (most states)

• 20-day policy examination period

This chart illustrates how your plan works.

A plan that goes to work when you can’t.

An ideal income protection plan can offer you:

• Flexibility

• Portability

• NonCancellable coverage

• Affordable contracts

• Adequate income during a disability

A well-designed income protection plan will incorporate all available resources to provide adequate income during a disability. Anchored by an individually owned disability policy, it could be one of the best decisions you’ll ever make.

Disability income insurance

About the UNIFI Companies The UNIFI Companies—Ameritas Life Insurance Corp., Acacia Life Insurance Company and The Union Central Life Insurance Company and their affiliated companies—offers a wide range of insurance and financial products and services to individuals, families and businesses. These products and services include life insurance, annuities, individual disability insurance, retirement plans, investments, mutual funds, group dental and eye care insurance, banking and public finance.

The organization’s financial strength and stability are reflected in strong financial ratings from independent analysts. The life insurance companies’ heritage, dating back to 1867, is built on traditional values, high ethical standards and trusted relationships. For more information, visit the UNIFI Companies web site at www.UNIFIcompanies.com.

The Union Central Life Insurance Company1876 Waycross Road

Cincinnati, Ohio 45240800-319-6901

www.unioncentral.com© 2007 The Union Central Life Insurance Company

DI 1138 6/08

That’s what these people thought too. But they proceeded to protect themselves against

an unexpected illness or injury that could potentially render them unable to work and

earn an income. Where would they be if they hadn’t protected their most valuable asset?

It Won’t Happen to Me

* Claims paid as of December 31, 2007; benefits include all riders and waiver of premium.

© 2008 The Union Central Life Insurance Company

OccupationAge at

Disability GenderCause of Disability

Monthly Benefit

Total Benefits Paid*

Benefit Period

Administrative Assistant 29 FemaleChronic Fatigue

Syndrome $1,100 $247,500 To Age 65

Anesthesiologist 39 MaleAnteroseptal Myocardial Infarction

$2,500 $645,100 To Age 65

Assistant Professor/ Otorhinolaryngology

36 MaleBilateral Ulnar Neuropathy

$6,540 $594,200 To Age 65

Business Owner 50 MaleCold Induced

Asthma $2,650 $651,500 Lifetime

Computer Analyst 52 Male MS $6,800 $380,350 To Age 65

Electrician Apprentice 43 Male Electric Shock $1,000 $292,800 To Age 65

Emergency Room Physician 40 Male HIV $2,000 $352,750 To Age 65

Office Manager 52 Male Post Polio $1,600 $247,900 To Age 65

Orthopedic Surgeon 45 Male Osteoarthritis $15,000 $2,602,600 To Age 65

Psychotherapist 56 Female Breast Cancer $1,200 $45,850 To Age 65

Social Worker (self-employed) 40 Female MS $1,400 $306,950 To Age 65

Sound Technician 35 Male Spondylothesis $2,500 $446,300 To Age 65

These are examples of past claims that have been paid, based on the contract terms. Each claim will be different and evaluated on its own merits.

The Union Central Life Insurance Company1876 Waycross Road

Cincinnati, Ohio 45240800-319-6903

www.unioncentral.com