United Benefits Inc.

United Funeral Directors Benefit Life Insurance Company

United Funeral Benefit Life Insurance Company

United Benefits Inc.

Increasing Benefit (IB) Plan

The IB plan is available for those applicants that are in average to excellent health. The death benefit of the Increasing Benefit Policy increases each year. The increases are computed on the face amount of the policy and are compounded annually. The increases are intended to insure that the accumulated value of the policy benefit will meet or exceed the increases in the price of funerals. The maximum Initial Benefit (face amount) is $15,000 and the minimum is $1,000.

The IB Plan is available in single pay, 3, 5, 7, or 10 year pay.

The IB Plan is intended for funding Prepaid Funeral Contracts.