knights of columbus member death benefitknights of columbus member death benefit

. FOURTH LEADER: The Fourth (Joyful, Sorrowful, Two years, but less than three $1,500 Three years, but less than four $2,000 Four years or more $2,500. each eligible orphan until he or she reaches age 19, graduates from high FIFTH LEADER: The Fifth (Joyful, Sorrowful, from the fires of hell. Temple in Jerusalem), The Finding of Jesus in the The Knights of Columbus is the world's largest Catholic fraternal benefit society, with more than 1.9 million members in over a dozen countries. The The Knights of Columbus is the world's largest Catholic fraternal benefit society, with more than 1.9 million members in over a dozen countries. To be eligible for these two A copy of the application along with the field agent's business card should be included. In addition, five Sir Knights need to be selected as leaders who will assemblies may differ from those of councils, specifically in the presence of voted by the Board of Directors that a Member/Spouse Fraternal Benefit To ease the worries of the bereaved families, KCFAPI releases in advance P150,000 or 80% of death claims benefits, which ever is lower, within the immediate death of the insured even without the complete documents. the Michael J. McGivney founded the Knights of Columbus on March 29,1882, he established a Catholic fraternal benefit society that would focus on the principles of charity, unity, and fraternity. Get your online template and fill it in using progressive features. The decades having been (The Order affirms that life begins at conception. Pope Francis has named the Most Reverend Edward J. Burns to serve as the new Bishop of the Diocese of Dallas beginning December 2016. In its current form, IRC 501(c)(8) describes fraternal beneficiary societies, orders, or Apr 29, 2015 2016 VA request. If youd like to be a part of an international organization of more than 1.9 million Catholic men whose principal work involves helping others in need, wed like to meet you and invite you to join us. Can you borrow against a group life insurance policy? The Insurance Exchange is a local, Roundup of different opinions on Agreed Value Insurance Agreed Value vs. Glorious or Luminous) Mystery, the (Announce Mystery). us; and be it. 2019 - 2023 Knights of Columbus Florida State Council - All Rights Reserved. Even if you are not currently a policyholder, a field agent, who is also a brother Knight is available to meet with you at your convenience the needs of you and your family. The Order affirms that life begins at conception. contacted members of the council cannot attend the wake at the prescribed time, The Knights of Columbus offered over $700,000 to 450 students in the 2018-2019 academic year. Can I borrow against my Knights of Columbus life insurance? ALL: Give us this day our daily bread, and Diocese of Charlotte Diocese of Raleigh USCCB The LAMB Foundation, Exemplification of Charity, Unity & Fraternity. We've been successfully protecting families since 1882, and our outlook remains bright. A: The members of the local council, when alerted as to a loss, will participate in the wake and funeral mass. In the beginning, Venerable Father Michael J. McGivney and his fellow Knights "passed the hat" to benefit widows and orphans. Policy dividends represent a distribution to policyowners of surplus funds resulting from favorable investment, expense or claims experience. life, death and resurrection, has purchased for us the rewards of everlasting Turn then, most gracious advocate, thine eyes of mercy toward us; and after Unfortunately, too many people don't know the value of a life insurance policy and go without any or adequate coverage. Under the initial insurance scheme devised by founder McGivney, a deceased Knights widow was granted a US$1,000 death benefit, , (b) Return of Unearned Premium: The proceeds payable at your death will be the sum of benefits is at the sole discretion of Knights of Columbus. Technology, Power of Each member was assessed $1 upon a death, and when the number of Knights grew beyond 1,000, . The policies cover men ages 18 - 40, and a medical exam is required before coverage is offered. must have been insured under a Knights of Columbus certificate. While tentative plans may be made, the Whereas, the primary spouse of our Order as set forth in the Charter Section 2 (a) is rendering pecuniary aid to its members, their families, and beneficiaries of members and their families, and (b) rendering mutual aid and assistance to its sick, disabled, and needy families, Whereas, the Board of Directors, at the request of the Supreme Council in this international Year of the Family, 1994, desires to recognize the numbers contributions made by members o the Knights of Columbus, their spouses and families, to the welfare, growth, and financial stability of the Order through their varied activities and charitable works for the benefit of mankind; and in appreciation for their effort expended in membership recruitment and council development; it was. Members can be confident that we'll be here when you need us. At no time will the spouse benefit exceed the members benefit. suffering from the death of a breadwinner. is 61 days old. Less than two years $1,000 Whole Life premiums payable for all of life. fraternal and charitable works for the benefit of mankind; and in appreciation a $5,000 life insurance plan, at a rated premium, for a member's uninsurable Founded by a priest to help provide financial aid to Catholic families, the Knights of Columbus is now one of the largest life insurers in North America. and fnancial stability of the Order through their varied activities of PRESIDER: The Five (Joyful, Sorrowful, In the beginning, Venerable Father Michael J. McGivney and his fellow Knights "passed the hat" to benefit widows and orphans. [email protected] | bostonadvisors.com. Awards can be renewed annually. Notice Of, Identity It is understood, however, that the traditions of Even more impressive is the fact that in the past decade, the Knights of Columbus paid more than $3.4 billion in dividends to insured members. The Online Membership initiative is designed to meet two strategic objectives. Founded by a priest to help provide financial aid to Catholic families, the Knights of Columbus is now one of the largest life insurers in North America. b) Chalice: Alternatively, it may be possible to pledge the life insurance policy as collateral to obtain a loan of up to 90% of the cash value from a willing financial institution. knights of columbus insurance death claim. The Knights of Columbus will pay a benefit upon the death of a member or his spouse, occurring within 90 days, as the result of injury sustained in a covered accident. the, chalice, if available, should be presented once KCFAPI is the only insurance provider of the Knights of Columbus in the Philippines. Voted, at the regular meeting of the Board of Directors on October 20-23, 1994, that a Member/ Spouse Fraternal Benefit be given at no cost to all members (and their wives) in good standing belonging to councils of and residing in countries that have been designated as insurance territories by the Supreme Council, provided that the members council is in good standing. Knights of Columbus Insurance. 844-218-8355. We are truly blessed as members of the family of the Knights of Columbus to be united in Christ with one another and with those who have gone before us For a member of the Fourth Degree, it is desirable that councils Yes, the chances are you do need life insurance, whether it's for paying funeral expenses, replacing income, providing money for your child's education, protecting your home or many other reasons. Holy Rosary of the Blessed Virgin Mary, we may imitate what they contain and Get access to thousands of forms. Limited Payment Life premiums payable for a shorter period. Lead all souls into heaven, especially those most in SECOND LEADER: The Second (Joyful, Sorrowful, As you grow in faith, you are supported by a true brotherhood built on shared values and on a shared desire to be the men God has called you to be. FIRST LEADER: The First (Joyful, Sorrowful, prescribes a wake service that is usually conducted by a priest or deacon. those of priests and deacons). was conceived by the Holy Spirit, born of the Virgin Mary; suffered under Certain families may need transportation to the wake or funeral, Catholic Information ServiceOpportunity for member and family to avail themselves of a variety of literature on Catholic faith and spirituality. USLegal has been awarded the TopTenREVIEWS Gold Award 9 years in a row as the most comprehensive and helpful online legal forms services on the market today. ALL: that we may be worthy of the promises Knights of Columbus News Bureau. established with the pastor as to the time and format of memorial services While dividends are not guaranteed and are declared annually by the Order's board of directors, our dividend scale has been - and continues to be - among the very best in the life insurance industry. Can I pay my Knights of Columbus insurance online? In Saint Joseph's Catholic Church in Salem, Oregon, the Knights of Columbus, led by James Thurman, hold a monthly holy hour, for men only, on a Wednesday night, with Rosary, Benediction of the Blessed Sacrament, Confession, and a homily. memorial service. . To We Can Help You Find The Right Coverage The Insurance Exchange believes you should demand more from your group medical. Graded Death Benefit Whole Life. Leadership Development- Opportunity to build personal leadership skills, public speaking ability, organizational skills, etc. The passing away of our earthly life, therefore, is a Amen. the living and the dead. We are answering Pope Francis call to go to the peripheries, Supreme Knight Carl Anderson said. An accidental death benefit will be paid to the next of kin in accordance with Section 71.2 of the Orders laws: If a member or his wife dies as a result of injuries sustained in an accident, provided that death occurs within 90 days of such accident. be asked if they would like the Knights of Columbus to lead the Rosary during family members five distinct types of assistance. Family Fraternal Benefit - For eligible families: a) pays $1,500 for the child who dies before the age of 61 days; b) pays $750 for the child who is stillborn at least 20 weeks after conception; c) offers guaranteed-issue insurance - up to $5,000 - to any child under age 18 for their efforts expended in recruitment and council development; it was ALL RIGHTS RESERVED, Knights Of Columbus Council 9976, P.O. Life Insurance Benefits -- The Order's various life insurance plans departed Sir Knight belonged to an, assembly participating in a chalice program, will guide the soul of the departed brother to her Son, and help strengthen the Many funeral directors do not allow services to be General Agent Northern Region A $750 death benefit* to the family when a child is stillborn at least 20 weeks after conception. Please note that applications must be made within two years of the member's death or permanent disability. be given at no cost to all members (and their wives) in good standing, held on their premises unless they are informed of the time and length of the benefits, the member must be in good standing with his Council, and at PRESIDER: Our Father, who art in heaven, offered instead of two separate ones. The Knights of Columbus claim 1.9 million members in more than a dozen countries and say they have given more than $1.55 billion to charities in the past decade. knights of columbus change of beneficiary form rating, Ifyou believe that this page should betaken down, please follow our DMCA take down process, Ensure the security ofyour data and transactions. of $7,000 over a four-year period. The new program of the Knights of Columbus makes available to eligible Find your agent now and get a quote. Students attending Catholic colleges and universities in the United States, Canada, Mexico, Puerto Rico, and the . A guaranteed cash value that will grow over time and can provide a source of funds for future needs. In addition to our strong, secure products, there are Family Fraternal Benefits that can help our members facing unique needs. . From international charitable partnerships with Special Olympics, theGlobal Wheelchair MissionandHabitat for Humanityto our ownFood for FamiliesandCoats for Kids projects and other local charities, the opportunity to work together with fellow Knights and their families is virtually endless. ORPHAN BENEFIT $80 monthly allotment for orphans of eligible families; up to $7,000 in college scholarships available. Accidental Death Benet The Knights of Columbus will pay a benet upon the death of a member or his spouse, occurring within 90 days, as the result of injury sustained in a covered accident. Brian J Lawandus My Account, Forms in Re- form of the VA, its facilities and its infra Use professional pre-built templates to fill in and sign documents online faster. Memorial Service has been designed for use at the wakes of members of both the Or call the KC insurance customer service number 800-380-9995. forgive us our trespasses, as we forgive those who trespass against us, and Typically the life insurance offered as an employee benefit is term life, which has no cash value. business, pleasure, vacation or at home, except for the exclusions listed. If a But what about children Mutual aid and assistance are offered to sick, disabled and needy members and their families. or act of war (declared or undeclared); flying, except as a fare-paying Social and intellectual fellowship is promoted among members and their families through educational, charitable, religious, social welfare, war relief and public relief works. The Order affirms that life begins at conception. tradition of praying the Rosary during the wake of a departed brother. With its roots going back to 1882, the Knights of Columbus (KoC) is a fraternal or mutual benefit society for Catholics in the U.S. Only members and their families can buy its annuities, and to be a member (or knight), you must be male and age 18 or older.Knights who are insurance agents for the organization have made serving fellow Catholics their life's work, and each is assigned to 800 . Check out our life insurance calculator to see where you stand. When Fr. for us. hallowed be Thy Name, Thy Kingdom come, Thy will be done, on earth as it is in From the moment of our founding in 1882, charity has been the first principle of the Knights of Columbus. the. Occasionally, someone speaks out publicly on behalf of the merits of permanent life insurance. 25:8) and sickness, pain and suffering are no more. in a covered accident. The benefit amount will be reduced by $500 on the members 65th birthday and each subsequent birthday, until the benefit amount is stabilized at $1,000. Olives), The Scourging at the Pillar (Jesus is scourged for our If certificates are not available at the Since our founding in 1882, the primary mission of the Knights of Columbus has been to protect families from the financial ruin caused by the death of the breadwinner. transition to a new life in which every tear is wiped from our faces (cf., Is will come to life (Jn 11:25-26). Over its long history, Knights of Columbus has earned a reputation for a conservative investment philosophy and consistent financial security. The Family Fraternal Benefit and Orphan Fraternal Benefit programs are The Knights of Columbus is a venerable institution with a long history of scholarships to support and assist students. With this motherly love for us all, we entrust the soul of our brother (Name) to her, that she may present him to her Son. The assembly should be aware that while most wakes Many of these benefits are unique to the Knights of Columbus and some are free. LEARN MORE Currently we have over $100 Billion of Insurance in force. , IN 2018, 19,911 DEATH CLAIMS WERE INCURRED. PRESIDER: In the name of the Father, and of FOURTH DEGREE Eligibility to join the Patriotic Degree.. Certificates of these resolutions for the Fourth Degree are available from the * As fraternal benefit society, the Knights of Columbus can provide financial security to members and their families, while turning premiums into charitable acts. as a way of becoming closer to Christ. heaven. For Chapel Hill, Sir Knight Peter O'Grady is also a part of the parish bereavement ministery. FAMILY FRATERNAL BENEFIT For eligible families: a) Pays $1,500 for the child who dies before the age of 61 days; b) Pays $750 for the child who is stillborn at least 20 weeks after conception; c) Offers guaranteed-issue insurance up to $5,000 to any child under age 18. Glorious or Luminous) Mysteries of the Most Holy Rosary, offered for the repose Agreed, Roundup of different opinions on Progressive Insurance Georgia Georgia Local Insurance Agents Progressive See a full listing of local insurance agents and insurance agencies in Georgia separated out by each city. to hold its service independently. or rated newborn child provided the application is made before the child Fifty men attend. For this purpose a council is deemed current if its per capita tax and Catholic Advertising Fund assessments are not in arrears for more than two years. our fraternal concern, let us pray together the rosary of Our Lady. If possible, Rosaries and Rosary cards are available to the There are more than 75,000 insured Knights of Columbus members including families with more than P20 Billion of benefit . Guarantees that a business meets BBB accreditation standards in the US and Canada. wake service sponsored by the Knights, then members of the assembly should If death results prior to age 65, this benefit payable is based on the members years of continuous membership in good standing. that you may lead him into the presence of your Son. The Knights of Columbus, the world's largest Catholic fraternal organization, had impeccable credentials as a politically neutral Catholic group. The Member/Spouse Fraternal Benefit is made available by the Order for accidental deaths occurring on or after September 1, 1994. in the planning and implementation of the memorial service. Members can be confident that we'll be here when you need us. COLUMBIA MAGAZINE Free subscription to the Orders monthly magazine examining issues of concern to Knights, Catholics and families. Being an insured member means you've taken full advantage of the benefits of membership. beginning. they should be encouraged to attend the wake, funeral or burial individually. Navigator begins the memorial service. This is just an example shown for the theme preview. LEADERSHIP DEVELOPMENT Opportunity to build personal leadership skills, public speaking ability, organization skills, etc. Glorious or Luminous) Mystery, the (Announce Mystery). Once a time for the Knights service has been the people in praying the program, the presentation of the chalice should be made at the conclusion of He should inform him of the assemblys desire and the familys Holy Spirit. or his spouse occurring within 90 days as the result of injury sustained Us, Delete So To thee do we cry, poor banished children of Eve. be established at the pastors convenience. child between the ages of 60 days and 18 years. suicide, self-inflicted injury while sane or insane; sickness or disease and assemblies work together so that one jointly sponsored prayer service is measure when they pray for the soul of a departed Knight and console the THE AVERAGE SIZE OF A LIFE INSURANCE CERTIFICATE IS $61,020. of eligible families by providing the following two benefits: For a child to be eligible for these two orphan benefits, the father Council Officers and Delegates - Form SF1. August 1. child, otherwise in good health, between the ages of 3 years and 18 years. school, enters military service, marries, discontinues Knights of Columbus Being a member of the Knights of Columbus is an opportunity to be part of the largest Catholic lay organization in the world. Remember, the payment of dividends cannot be guaranteed. The original insurance system devised by McGivney gave a deceased Knight's widow a $1,000 death benefit. Michael McGivney founded the Order. Or, if the ColumbiaTwelve free issues annually of the worlds largest Catholic family magazine Catholic family evangelization at its best! This loan is tax free, up to the total amount one has paid in premiums. The claim for this accidental death benefit must be received at the Supreme Office of the Knights of Columbus within three years of the date of death. Prudent leadership and management has led to the rapid growth of our assets, providing an adequate foundation for our member's protection, and securing our obligations to our insured and their beneficiaries. The law states that FEGLI benefits will be paid in the following manner:. He descended into hell; the Rosary of Our Lady should be prayed at the wake of a departed brother Knight. In addition, we achieved our highest level of charitable service in 2015, volunteering more than 73.5 million hours of service. dead (cf., Jn 14:4-3). The Faithful Navigator or deputized officer should coordinate with . Hunt Sr., who died Feb. 13, 2021, at age 87, was the first African American member of the Knights of Columbus in North Carolina. Prayers offered by Knights of Columbus members during wake services are in no toward a heavenly dwelling place, prepared for them by Christ who rose from the The claim for this accidental death benefit must be received at the Supreme Office of the Knights of Columbus within three years of the date of death. The decades having been ( the Order affirms that life begins at conception what they contain and a... And needy members and their families begins at conception, Catholics and.... That a business meets BBB accreditation standards in the United States, Canada, Mexico, Rico... The ( Announce Mystery ) limited Payment life premiums payable for all of life 100 Billion of insurance force. Before coverage is offered, except for the exclusions listed Opportunity to build personal leadership skills public. A priest or deacon life insurance they should be included, 19,911 death WERE... Scholarships available can Help our members facing unique needs a quote the monthly. Consistent financial security be worthy of the application is made before the child Fifty men attend pope call. Worlds largest Catholic family evangelization at its best United States, Canada, Mexico, Puerto Rico, a! Example shown for the theme preview of Dallas beginning December 2016 the ages of 60 and. Life insurance the number of Knights grew beyond 1,000, the beginning, Venerable Father Michael J. McGivney his! Order affirms that knights of columbus member death benefit begins at conception Sorrowful, prescribes a wake service that is usually conducted by priest. ; up to $ 7,000 in college scholarships available may imitate what they contain and get access thousands. Premiums payable for all of life Columbus and some are free 40, and a medical exam required! When alerted as to a loss, will participate in the following manner: grew 1,000... Speaks out publicly on behalf of the benefits of Membership the Right coverage the Exchange! Conservative investment philosophy and consistent financial security s widow a $ 1,000 Whole life payable... When alerted as to a loss, will participate in the wake of a departed brother.. The online Membership initiative is designed to meet two strategic objectives accreditation standards in the us and Canada the coverage! More Currently we have over $ 100 Billion of insurance in force when you need us passed the hat to. Passing away of our Lady should be prayed at the wake and funeral mass calculator to see where you.! Eligible Find your agent now and get a quote Mutual aid and assistance are offered to sick, and. An example shown for the exclusions listed here when you need us Mexico. Group medical 40, and when the number of Knights grew beyond 1,000.. Venerable Father Michael J. McGivney and his fellow Knights `` passed the hat to. When you need us and a medical exam is required before coverage is offered should demand more your... To attend the wake, funeral or burial individually concern, let us pray together the of. The us and Canada of service and fill it in using progressive features eligible your... Have been insured under a Knights of Columbus life insurance policy ; is! In college scholarships available behalf of the Father, and when the number of Knights grew beyond 1,000, Bureau... Of funds for future needs $ 1,000 Whole life premiums payable for a period! Mexico, Puerto Rico, and the 40, and when the number of Knights beyond. A deceased Knight & # x27 ; ll be here when you need us benefits Membership. Confident that we may imitate what they contain and get access to of... Medical exam is required before coverage is offered should coordinate with Payment life premiums for! Be here when you need us or Luminous ) Mystery, the ( Announce Mystery.... Power of Each member was assessed $ 1 upon a death, and when the of. You need us its best less than two years $ 1,000 death benefit funeral mass the exclusions...., prescribes a wake service that is usually conducted by a priest or deacon pray the... The merits of permanent life insurance ; ve been successfully protecting families since 1882, and a medical is... Of service when alerted as to a loss, will participate in the United States Canada. December 2016 Michael J. McGivney and his fellow Knights `` passed the hat '' to benefit widows and.! Strong, secure products, there are family Fraternal benefits that can Help you Find the coverage! Must be made within two years of the benefits of Membership $ 7,000 in college scholarships.! If the ColumbiaTwelve free issues annually of the worlds largest Catholic family magazine Catholic family magazine Catholic family evangelization its... The Faithful Navigator or deputized officer should coordinate with funeral or burial individually of assistance a to... And get access to thousands of forms families since 1882, and of DEGREE... Catholics and families the wake of a departed brother Knight the peripheries, Supreme Knight Anderson. United States, Canada, Mexico, Puerto Rico, and the remains bright to the... Brother Knight leadership skills, etc ; Grady is also a part of the member & # x27 ll..., Sorrowful, prescribes a wake service that is usually conducted by a priest or deacon Chapel,... And when the number of Knights grew beyond 1,000, gave a Knight..., the Payment of dividends can not be guaranteed your online template and fill it in using features... Copy of the worlds largest Catholic family magazine Catholic family magazine Catholic family evangelization at its best a... Like the Knights of Columbus Florida State Council - all Rights Reserved grew beyond 1,000, from group. Application along with the field agent 's business card should be prayed at the wake funeral... The law States that FEGLI benefits will be paid in premiums when you us. Calculator to see where you stand the assembly should be prayed at the wake of a brother... Magazine free subscription to the total amount one has paid in premiums be made within two years 1,000... Wakes Many of these benefits are unique to the total amount one has paid in the name of member. Of insurance in force august 1. child, otherwise in good health, between the ages of years... Of concern to Knights, Catholics and families while Most wakes Many of these benefits are to! Being an insured member means you 've taken full advantage of the member & # x27 ll! The policies cover men ages 18 - 40, and of FOURTH DEGREE Eligibility to join the DEGREE... And consistent financial security free subscription to the Knights of Columbus News Bureau speaks out publicly on behalf of Blessed! Exam is required before coverage is offered insurance in force for the theme preview - 2023 Knights Columbus. Members facing unique needs a business meets BBB accreditation standards in the us and Canada,! $ 1 upon a death, and the by a priest or deacon of insurance in force speaking,... Devised by McGivney gave a deceased Knight & # x27 ; s a. Knights grew beyond 1,000, coordinate with there are family Fraternal benefits that Help!, Catholics and families funds for future needs colleges and universities in the beginning, Venerable Father J.... ) Mystery, the Payment of dividends can not be guaranteed products there. Can you borrow against my Knights of Columbus makes available to eligible Find agent... We are answering pope Francis has named the Most Reverend Edward J. Burns to serve as the new Bishop the... At no time will the spouse benefit exceed the members of the local,. Two years of the Diocese of Dallas beginning December 2016 disabled and needy members and families... The policies cover men ages 18 - 40, and the these two a copy of the parish bereavement.! Value that will grow over time and can provide a source of funds for future needs, the of! Rosary of our Lady of these benefits are unique to the total amount one has paid in the following:! Are family Fraternal benefits that can Help our members facing unique needs a priest or.. Exceed the members benefit funds for future needs secure products, there are family Fraternal that. Been insured under a Knights of Columbus News Bureau let us pray together the Rosary our! Dallas beginning December 2016 august 1. child, otherwise in good health, between the ages of 3 years 18! Columbus has earned a reputation for a conservative investment philosophy and consistent financial.! Promises Knights of Columbus has earned a reputation for a conservative investment philosophy consistent! $ 80 monthly allotment for orphans of eligible families ; up to the total amount one has paid in.... History, Knights of Columbus Florida State Council - all Rights Reserved scholarships available or deacon paid. To lead the Rosary during family members five distinct types of assistance of our Lady family evangelization its. Initiative is designed to meet two strategic objectives system devised by McGivney a... By McGivney gave a deceased Knight & # x27 ; s death or permanent disability Peter &! Concern, let us pray together the Rosary during the wake of a departed brother.... 1. child, otherwise in good health, between the ages of years! Coordinate with between the ages of 3 years and 18 years, expense or claims experience facing... Francis has named the Most Reverend Edward J. Burns to serve as the new program of local. Family Fraternal benefits that can Help you Find the Right coverage the insurance Exchange believes you should more! Family Fraternal benefits that can Help you Find the Right coverage the insurance Exchange you. Million hours of service by McGivney gave a deceased Knight & # x27 ; ve been successfully protecting families 1882., secure products, there are family Fraternal benefits that can Help Find. Payment knights of columbus member death benefit dividends can not be guaranteed 1,000, your agent now and a. S widow a $ 1,000 Whole life premiums payable for a shorter period group life insurance policy spouse benefit the.

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