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BetterLife is authorized to conduct business in 18 states (Arizona, Colorado, Illinois, Iowa, Indiana, Kansas, Louisiana, Michigan, Minnesota, Nebraska, North Dakota, Ohio, Oklahoma, South Dakota, Texas, Washington, Wisconsin, and Wyoming) and is currently conducting business as BetterLife Insurance Company in Oregon. Products issued by BetterLife are available to applicants who meet membership, insurability, U.S. citizenship, and residency requirements. Not all products described are available in all states. Guarantees are backed by the financial strength and claims-paying ability of BetterLife.