CYCLE BENEFITS
A Simple Daily Strategy

# Pay Yourself
First

Lifetime protection for just $1, $2, or $3 a day

$1
per day
$2
per day
$3
per day
How It Works

## A plan built around your life

You choose to invest the first $1, $2, or $3 you earn every day. Based on your age and smoker status, that contribution purchases a permanent life insurance policy tailored specifically to you.

1
Choose your daily amount: $1, $2, or $3
2
We match it to the right plan for your age & health status
3
Your permanent policy is in force — for life
✅
Guarantee Issued — No Medical Exams or Questions Anyone can qualify. No health screening required.
What This Protection Provides

## Two powerful layers of coverage

🛡️
Permanent Life Insurance

- Financial protection for your family
- Tax-advantaged death benefit
- Coverage that lasts your lifetime
- Builds real cash value over time

🏠
Long-Term Care & Home Health Protection

- Living benefits for you — not just your family
- Guards against rising care costs
- Helps preserve retirement savings

Key Advantages

## Built to stay with you

✓
Price & Benefit Stability — locked in forever
✓
Guarantee Issued options available
✓
Portable at the same rate — anywhere, any job
✓
You own your policy — it's your personal asset
This is your personal asset — not your employer's. If you change jobs or retire, your coverage comes with you.
Why It Matters

Healthcare costs continue to rise. Long-term care expenses can significantly impact retirement savings and family security. The Pay Yourself First Principle helps you take control today — building protection before it becomes more expensive or difficult to qualify for.