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Limitations and exclusions apply with this whole life insurance policy. Benefits may vary by state and may not be approved in all states. Premiums vary based on the benefit amount selected. Memorial Fund is Kanawha Insurance Company immediate benefit policy Form 00800 1/88 and, if applicable, graded benefit policy Form 00020 3/90. Underwritten by Kanawha Insurance Company – a member of the Humana family of companies