Union Central Life Insurance Company

Union Central Life Insurance Company
1876 Waycross Road
P.O. Box 40888
Cincinnati, OH 45240

Union Central Life Insurance Company is part of UNIFI Companies, offering life insurance and annuities customized to meet insurance and investment needs of their customers. UNIFI Companies is made up of diversified businesses within the mutual holding company structure that build up a single mission for UNIFI. This is to protect and improve the financial security and life’s quality of individuals, families and businesses through insurance and financial products and services.

UNIFI Companies’ aims to form long-term trusted relationships and strives to conduct itself in best interests of customers by acting with financial discretion and focusing on continuing growth. UNIFI’s financial strength is revealed in solid group ratings from A.M. Best Company and Standard & Poor’s. As of April 13, 2010, A.M. Best Company gave a rating of A (Excellent) for financial strength and operating performance of UNIFI Companies, including Union Central. This is the third highest of A.M. Best’s 15 ratings. Standard & Poor’s provided a rating of A+ (Strong) for insurer financial strength. This is the fifth highest of Standard & Poor’s 21 ratings.

Products and services of Union Central include life insurance; annuities; individual disability insurance; group dental, eye care and hearing care insurance; retirement plans; investments; mutual funds; asset management; banking and public finance.

The company’s life insurance includes universal life insurance that pays a death benefit to a beneficiary and provides premium and face amount flexibility. Universal life insurance also provides market rates of interest on customer’s cash value account and tax deferred accumulation. Another offered life insurance product by Union Central is the variable universal life insurance which pays a death benefit to a beneficiary and provides premium and face amount flexibility while giving the customer more control of the tax-deferred cash value of the policy. The policyholder directs the investment of the cash value in investment options investing in money market, stock and bond funds.

Furthermore, whole life and term life insurance are offered by Union Central. Whole life insurance provides permanent protection for beneficiaries, with cash value and tax-deferred accumulation. Term insurance pays the face amount of the policy if the policyholder dies during the term. This type has no cash surrender or loan value, and the costs of its premium usually increase with the policyholder’s age. Representatives from Union Central are available to assist clients in determining how much and what type of life insurance may be right for them.

Aside from life insurance and annuities, the company also provides individual disability insurance. Disability insurance offers income protection if a debilitating illness or injury strikes the policyholder. Protection is also available for businesses when employees can’t work as a result of an illness or injury. Retirement plans are available for individuals, businesses, government entities, schools, universities and non-profit organizations. Group dental, eye care and hearing care insurance are offered in affordable prices.

Clients are advised to carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options, before investing in a policy. This information can be found in the policy and investment option prospectuses, which can be accessed on the company’s website.