Offers Direction

     For the same reason we need a road map when we travel to an unfamiliar destination, everyone needs a plan to reach his or her financial goals. The One Check Program provides the vehicle.

Financial Growth Opportunities

     The program allows you to choose the type of investments and life insurance that best suit your financial objectives. You can customize the program by selecting from:

     - Mutual Funds with their growth potential
     - Annuity Rider which offers the opportunity to earn tax-deferred interest
     - Roth IRA's which offer tax-free growth

Permanent Life Insurance

     The basic foundation for successful financial planning is life insurance. The One Check Program builds on such a foundation by starting a life insurance policy. We call this the Life Accumulator Plus.

Including Fund Riders

     A flexible premium, tax-deferred annuity fund rider is attached to the Life Accumulator Plus policy and is well suited for the long-term financial goals. The flexibility of the annuity fund rider also allows you to make additional deposits up to five times the first year's annual premium ($5,000.00 maximum).

Mutual Funds

     Mutual funds pool the assets of individual investments and offer the following advantages.

     - Individual investors gain access to investments they may not be able to afford on their own.
     - Diversification among a wide variety of investments reduces risk.
     - Full-time, professional money managers with proven track records manage the investments in mutual funds.
     - Mutual funds provide liquidity because shares can be redeemed at any time for their net current market value.
     - Made available by independent Mutual Fund companies and their families of varios funds.

Individual Retirement Account (IRA)

     - Offers an excellent opportunity to receive tax-free growth on investments
     - May be linked to a Mutual Fund
     - College 529 Plans
     - Education IRA's

     By using the One Check Program to purchase mutual fund shares from independent mutual fund companies, you can also take advantage of Dollar Cost Averaging. This technique of systematic purchasing allows you to capitalize on mutual fund fluctuations instead of just worrying about them.

     Madison National Life Insurance Company's One Check Program can simplify your financial planning. Your permanent insurance protection, long term accumulation rider, mutual funds, and IRA's can all be handled through one regular check, bank draft, government allotment, or payroll deduction.