Slide 1

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 2

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 3

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 4

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 5

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 6

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 7

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 8

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 9

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 10

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 11

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 12

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 13

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 14

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654


Slide 15

Bankers Life & Casualty

Providing generations of support, since 1879
• Established in 1879, Bankers Life and Casualty Company is today one of the
largest and most respected insurance companies in the United States focused
exclusively on the needs of senior Americans.
• Bankers services the needs of seniors through a broad portfolio of quality,
competitive insurance products including long term care, life, annuities and
medicare supplement; a national sales force of professionally trained career
agents; and a dedicated group of long tenured, highly capable home office
employees.
• Understanding the financial needs of seniors. At Bankers, it is our focus, our
commitment, our business. With offices in cities and towns throughout the
country, our professionally trained agents are available to personally address
your unique needs and objectives. To learn more about how Bankers can help
you, please click here to find your local Bankers office.
• Bankers Life and Casualty Company is domiciled in Illinois, and licensed in
every state and the District of Columbia except New York (NAIC 61263).

Living History: Bankers Celebrates 125 Years

• On January 17, 2004, Bankers Life and Casualty Company
celebrated its 125th year of existence. It's longevity alone is
remarkable. The company survived the economic peril of the
Great Depression and continued operations through two World
Wars. It has witnessed the rise of American industry in the 1800s
and the ongoing technological revolution of the 21st century.
• What is more remarkable is how Bankers evolved from a group of
19th century hotel owners and workers in need of insurance into
one of America's leading providers of lifestyle protection and
retirement savings solutions for seniors. The Bankers story is a
tale of change and innovation - one of struggle and triumph.

Living History: Bankers Celebrates 125 Years
The Early Years
• Bankers' predecessor company, the Hotel Men's Mutual Benefit
Association of the United States and Canada, commenced
operations on January 17, 1879. Fifty-six years later, in 1935,
Chicago insurance man John D. MacArthur borrowed $2,500 to
purchase an insolvent Bankers Life and Casualty Company from
the Illinois Department of Insurance. Hotel Men's Mutual Benefit
Association, the Illinois Standard Life Insurance Company and
Bankers Life and Casualty Company merged in 1942 to form one
company, operating under the Bankers Life and Casualty
Company name. John D. MacArthur became president of the
merged companies in 1945.

Living History: Bankers Celebrates 125 Years
Innovation, Strength and Stability
•

•

•

MacArthur studied the sales methods of the great American manufacturers who had
mass marketed soaps, toothpaste, cosmetics, foods and branded merchandise of all
kinds. He saw traditional methods of selling insurance as both expensive and wasteful
and reasoned that if he could reduce the high cost of selling, he could reduce the cost of
insurance and make coverage affordable to the common man.
From Bankers' north side Chicago Home Office on Lawrence Avenue, MacArthur
developed the concept of mass marketing low cost health insurance policies through the
mail and Bankers' business began to boom. Its meteoric rise to success during the late
1940s and early 1950s was unparalleled. Bankers quickly went from a pre-WWII home
office staff of 50 to over 2,000 employees.
Bankers' sales force, then commonly referred to as "White Cross Men", canvassed the
country and Bankers' White Cross logo became a symbol of strength and stability. In
1945 Bankers Life and Casualty Company operated solely in Illinois and total premium
was only slightly over $1 million. By the end of 1956, the White Cross Plan spanned
most of the nation and Bankers' life insurance in force totaled over a half billion dollars.
Bankers Life and Casualty Company had become the largest individual insurer in the
health and accident field.

Living History: Bankers Celebrates 125 Years
A Pioneer in the Senior Market
• In the 1960s, Bankers turned its attention to a new frontier, America's growing
senior population. The Medicare bill, which provides health insurance for
elderly Americans under social security, was signed into law by President
Lyndon Johnson on July 30, 1965. Shortly thereafter, Bankers became one of
the first companies in America to offer Medicare supplement insurance.
• In the 1970's, Bankers went on to become one of the first companies to develop
and market nursing home insurance. Bankers expanded its portfolio of products
to include retirement savings products by entering the fixed annuity business in
1977.
• At the time of MacArthur's death in January 1978, Bankers' assets had
surpassed $1 billion. Without the foresight of MacArthur and others at Bankers
in the 1960s, Bankers would be a very different company today.

Living History: Bankers Celebrates 125 Years
Bankers Today and Tomorrow
• Bankers' vision is to become America's leading provider of
lifestyle protection and retirement savings solutions for seniors.
The company is market focused rather than product focused, and
is well positioned to achieve this goal. It is the only broad-based
financial services organization in the nation that is willing and
able to make the claim "We Specialize in Seniors."

Company History
Bankers Life and
Casualty Company
begins operations
in 1932. Chicago
insurance man,
John D. MacArthur,
purchases the
company from the
Illinois Insurance
Department in
1935 for $2,500.

Hotel Men's
Mutual Benefit
Association of the
United States and
Canada, the
predecessor
company to
Bankers Life and
Casualty
Company,
commences
operations.

In 1966,
Bankers enters
the senior
market,
becoming one
of the first
insurers to
develop and
offer Medicare
Supplement
Insurance.

Hotel Men's Mutual
Benefit Association
of the United
States and Canada,
the Illinois
Standard Life
Insurance
Company and
Bankers Life and
Casualty Company
are merged to form
one company,
under the name of
Bankers Life and
Casualty Company.

In 1985, Bankers
releases its first
comprehensive
Long Term Care
insurance
product,
positioning the
company as an
industry leader
in health
insurance for
seniors.

In 1972, Bankers
pioneers the
development and
marketing of
Nursing Home
Insurance. In
1977, Bankers
enters the fixed
annuity business,
expanding its
portfolio of senior
market health
insurance products
to include
retirement savings.

In 2001,
Bankers retains
Dick Van Dyke
as its
spokesperson.

In 2002,
Bankers adds
Colonial Penn
Life Insurance
Company to its
operations.

In 1993, Bankers
moves its Home
Office to Merchandise Mart in downtown Chicago. In
the early '90s,
introduces its first
senior life insurance
product. Agents can
now offer customers
a full portfolio of
health, life and
annuity products
designed specifically
for seniors.

Customer Testimonials
•

•

•
•
•

•
•

"I was in the hospital and had surgery... And when you get those bills, you get a little,
oh boy - now what am I going to do. But then I think of Bankers, and I know they're
going to take care of me." — Jennie Zastrow
"Bankers specializes in seniors - and that's what we are. In my age bracket, I need
insurance that covers seniors, and I know I'm going to be covered by Bankers, so I'm
very satisfied." — Merle Zastrow
"I feel secure with Bankers, I really and truthfully do." — Shirley Caponigri
"I'm so glad I got Bankers, I wouldn't have anything else... You can look to Bankers.
They're there when you need them.“ — Charlene LaMar
"My grandmother used Bankers, and I feel I can trust the company. Bankers has a good
reputation and I feel like despite what happens with my health, that they will be there
for me." — Carole Finnell
"Bankers can provide the information timely and accurately whenever I need it. If
something happens to me, my family can rely on them." — Dr. Mou-Ying Fu Lu
"I think the history tells us Bankers is the company we can rely on... They have already
been here more than one hundred years. Bankers is the company that is going to be
there when you really need them." — Dr. Sunny Lu

Bankers Community Partnerships

We're proud to specialize in seniors and support
the causes that affect our extended family. Click
here to learn more about our partnerships with
the Alzheimer's Association, the International
Longevity Center and Meals on Wheels.

Bankers Community Partnerships

Alzheimer's Association

Experts estimate that more than 4.5 million Americans suffer from Alzheimer's disease. By
2030, that number is likely to approach 7.7 million as the youngest Baby Boomers celebrate
their sixty-fifth birthdays.
The Alzheimer's Association is leading the fight against this disease through funding for
research, support for patients, caregiver services and public advocacy. In the past year,
Bankers' relationship with the Association has grown, thanks largely to the generosity of
policyholders and the efforts of our agents and employees.
As the premier corporate sponsor of the Rita Hayworth Gala in Chicago and as a full sponsor
of the Association's Ronald Reagan Institute Research Grant at Harvard, Bankers continues to
provide meaningful financial support in our search for a cure.
In addition to funding these Association programs, we're also proud to sponsor a homegrown
fundraising event called Forget Me Not DaysSM. Each May, agents and employees around the
country distribute specially marked packages of Forget-Me-Not seeds to raise public
awareness and collect donations for the Alzheimer's Association. This year's event raised
more than $84,000, thanks to hundreds of volunteers and Bankers' employees in more than
50 cities lending their support.
•To learn about our Alzheimer's sponsorship programs, please review our press releases
•For more information about the Alzheimer's Association, or to find your local chapter visit www.alz.org.

Bankers Community Partnerships
Meals On Wheels
All too often, chronic illness and injury limit seniors' mobility, making simple acts like
shopping for groceries impossible. For housebound seniors, Meals on Wheels delivers
more than just a hot meal. Volunteers also offer words of encouragement and a
connection to the outside world.
In 2003 Bankers renewed our commitment to funding the Meals on Wheels program. As
the premier corporate sponsor for Meals' Celebrity Chef Brunch, Bankers donated more
than $20,000 to the cause.
Since 1987, Meals on Wheels has served more than 1,000,000 meals to over 100,000
recipients in Chicago alone.
For more information, please visit www.mealsonwheelschicago.org.
International Longevity Center
In 2003, Bankers also renewed our commitment to the ILC.
The International Longevity Center's mission is to help societies address the issues of
aging positively by focusing on seniors' achievements and contributions to society.
In addition to sponsoring research and advancing education, our support helps the ILC
promote programs specifically created for seniors, like walking to increase daily activity
and improve health.
For more information, please visit www.ilcusa.org.

Long Term Care Research: Aging in America
• In 2004, Bankers Life and Casualty Company sponsored
"Aging in America: Planning for Long Term Care" a
survey that reveals attitudes about aging, including those
on long term care planning. A summary of the survey is
available for use by the media. Please reference Bankers
Life and Casualty Company when mentioning the
survey.
• To download a summary of the Aging in America study,
please click here.
Note: This summary is a PDF file. In order to download and view a PDF file, you will need Acrobat Reader Software. If you do not have
Acrobat Reader and wish to download it for free, click here to visit the Adobe Acrobat Reader website

Contact Us
We're here to answer your questions and help you find the coverage
you need. There are several options for contacting us, so please
choose the one that's most convenient for you.
• Find an Agent:
– Our professional sales agents are well qualified to provide you with insurance advice.
To find the address and phone number of the closest office, please use our Branch
Office Locator, or call us toll-free: 1-800-231-9150.
– If you are interested in a sales career at Bankers Life and Casualty, please use our
Branch Office Locator and contact your local office.

• Have an Agent Contact You:
– To have an agent contact you directly, Fill Out This Form.

• E-Mail Us:
– To reach our Customer Service areas use E-PAL (Electronic Policyholder Access
OnLine), our E-mail service for handling policyholder service issues.
It's easy to reach us... just Click Here to send us an E-mail. For security purposes and
to save time, be prepared to provide your name, address, policy number, date of birth
and the last four digits of your Social Security Number. We'll send a response, via
regular mail, within two business days.

Contact Us
• Call Us Toll Free for Service and Claims Questions:
– For policy service or claims questions please consult the following list. All
you need is a touch-tone phone, your policy number and your social security
number (last four digits). If you do not have a touch-tone phone, please call
us toll free at 1-800-621-3724.
•
•
•
•

For Health Policy non-claim questions call: 1-800-654-3072
For Health Policy claims questions call: 1-800-773-4760
Life Policy Inquiries call: 1-800-283-8011
Annuity Policy Inquiries call: 1-800-787-1431

• Call Our General Information Line: 312-396-6000
• Write to Us:
Bankers Life and Casualty Company
222 Merchandise Mart Plaza
Chicago, IL 60654