Being a grandparent is one of life's greatest gifts. But you can pass along an equally rewarding - and lasting - gift to them, like a hug that never lets go.

When you purchase a Whole Life or Universal Life insurance certificate on your grandchildren, the cash value can provide money to help them achieve their dreams. They can:

• Pay for college
• Start a business
• Make a down payment on a home
• Have financial security

Woodmen of the World has a variety of life insurance plans that can help enrich your grandchild's future:

Whole Life insurance provides permanent protection for your grandchild's entire lifetime. It also offers guaranteed cash value they may be able to access, and other features including premiums that will never go up, regardless of age.

Universal Life insurance is the most adaptable kind of coverage available. While providing protection for an entire lifetime, with Universal Life you also have flexible premiums and the potential for cash values to accumulate more quickly than with Whole Life.

Term Life is the least expensive life insurance solution. Often called pure protection, it provides temporary coverage in case the worst should happen, with little to no cash value growth. It is easy to renew or convert, without having to prove insurability.

Woodmen of the World also offers an additional way to help your grandchildren secure higher education: The 529 College Savings Plan.

Earnings from this tax-advantaged savings plan may be used for qualified education expenses at any accredited school.²

These plans utilize securities issued by companies not affiliated with Woodmen of the World, and may only be offered by Registered Representatives of Woodmen Financial Services.

Contact your Woodmen of the World Representative today, or call 1-800-225-3108 for more informationon any of these products, to help you determine which is right for you.

1. Universal Life cash value growth reflects several factors. Woodmen of the World will provide notification if the guaranteed monthly deductions and interest are expected to exhaust the plan's cash values prior to the maturity date.

2. Qualified withdrawals are federal tax exempt through 2010 and are often exempt from state and income taxes, although tax consequences may vary by state. Contact your professional tax advisor for details.