Homesteaders Life Company

Homesteaders Life Company provides insurance, financial products, and
related services to the funeral industry, emphasizing the integration
of advance funeral planning as an extension of funeral service.

Homesteaders' business philosophy is to assure a business culture and
financial philosophy that will provide long-term security for our policyowners,
customers, and employees.

Security of funds is Homesteaders' greatest concern - a concern shared
by their funeral home partners and policyholders. In addition to providing
superior customer service and support, it is imperative that funeral funds
are available at the time of need. How they invest - the quality and diversification
of their investments - is the reason funeral homes have confidence in
offering Homesteaders insurance funding products to families wishing to
prearrange.

Premium dollars are invested in high-quality, well-diversified bonds.
Homesteaders' investments are of high quality, averaging AA- as rated
by Standard & Poor's. The vast majority of the portfolio is rated A or
above. Our investment philosophy is key to your assurance that your advance
funeral funding will be there when your family needs it.

Company History

Homesteaders was founded in Des Moines, Iowa in the summer of 1905 -
twenty-two interested parties gathered at the home of John E. Paul to
discuss the formation of a fraternal order. Less than a year later, "The
Homesteaders" emerged with the purpose of providing insurance benefits
to its members for "final" expenses. Policy Certificate Number One was
issued in Paul's name on February 23, 1906.

Elected the association's first president, Paul declared a theme of "neighborly
cooperation, fraternity, mutual helpfulness, protection, and patriotism."

A Pioneering Spirit

The name "Homesteaders" reflects the spirit of the late nineteenth and
early twentieth centuries, when many were migrating west to find their
futures. The pioneers who braved the elements and other perils were considered
visionaries and survivalists - ideals well suited to an organization whose
membership depended on this kind of resolve.