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BetterLife is authorized to conduct business in 15 states (Arizona, Colorado, Iowa, Illinois, Kansas, Louisiana, Michigan, Minnesota, Nebraska, North Dakota, Ohio, South Dakota, Washington, Wisconsin, and Wyoming) and is currently conducting business as Western Fraternal Life in Oklahoma, Oregon, and Texas. Products issued by BetterLife and Western Fraternal Life 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.

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