Brother Roberto Brenes (613) 889-0043 is the new Fraternal Counsellor 
for many of the Councils in the Ottawa area.

For more information:  visit the agency web site at www.kofcfinance.com   
Or visit at 5450 Canotec Road, Unit 57, 
Ottawa, ON, K1J 9G5
MARC MADORE GENERAL AGENT (613) 695-5632

Hundreds of thousands of members of the Knights of Columbus have answered the invitation to participate
                  in the Order's fraternal insurance program.

                  The Agency Department's motto "Insurance for Brother Knights by Brother Knights," gives one insight into
                  the program's success. Organized in a day when the loss of a family's breadwinner was a tragedy overcome
                  only with great fortitude and sacrifice on the part of the survivors, today's program has achieved success
                  because its product continues to be "a family affair."

                  Members secure life insurance because they love their families. They recognize that, through precise planning
with the Order's fraternal insurance counselors, they not only can provide for their loved ones in case of death, but also can
build up a substantial estate for retirement years or to meet other needs.

Consistently the amounts of money paid out in dividends to living members surpass the benefits provided to beneficiaries upon
the death of a certificate holder.
In the Oct 2004 issue of the Columbia you will see that in 2003 we paid out death benefits of 145 million
and 329 million in dividends.

The insurance-in-force has grown dramatically in recent years. The first billion took over 75 years to attain. The $2 billion
plateau was achieved 11 years thereafter. The $3 billion level took less than four more years. The $4 billion mark was attained
within slightly over two more years; $5 billion was reached in 1979; $10 billion in 1985; and the current total is nearing
53 billion for Dec 2004 billion, and growing constantly.

The Agency Department has set a goal designed to bring the utmost in prompt, efficient service to every Knight and his family.
Part of this goal is to assure that, by increasing manpower, one full-time, professionally trained field agent will be available for
each 1,000 members. To achieve this the Order has reached the number of nearly 140 General Agencies, with over 1,200 field
agents. However, a considerable number of field agents are needed. Any member interested in such a career opportunity may
obtain information by contacting the general agent in his area.

The Order offers a versatile portfolio of family-oriented insurance plans presented by a staff of competent, concerned
professionals backed up by one of the most sophisticated computer systems now operating in the insurance field -- thus the
outstanding record of secure but dynamic growth and development. Yet the Order's program remains a family-atmosphere
insurance "for Brother Knights by Brother Knights."
 
 
 

                                            Fraternal Benefit Programs

MEMBER/SPOUSE FRATERNAL BENEFIT

In recognition of the numerous contributions made by members of the Knights of Columbus, their spouses and families, to the
welfare, growth and fnancial stability of the Order through their varied activities of fraternal and charitable works for the
benefit of mankind; and in appreciation for their efforts expended in recruitment and council development; it was voted by the
Board of Directors that a Member/Spouse Fraternal Benefit be given at no cost to all members (and their wives) in good
standing, belonging to councils of and residing in the United States, Canada, Puerto Rico, the Virgin Islands or Guam,
provided that the member's council also is in good standing.

The Knights of Columbus will pay a benefit upon the death of a member or his spouse occurring within 90 days as the result of
injury sustained in a covered accident. Protection is on a 24-hour basis for accidents that may occur anywhere in the world,
during activities on or off the job, on business, pleasure, vacation or at home, except for the exclusions listed.

The accidental death benefit will not be paid if death results from: suicide, self-inflicted injury while sane or insane; sickness or
disease (except bacterial infection resulting from accidental cut or wound); war or act of war (declared or undeclared); flying,
except as a fare-paying passenger on a regularly scheduled airline; and injury from driving or riding in a speed or organized
contest.

FAMILY FRATERNAL BENEFIT

The new program of the Knights of Columbus makes available to eligible family members five distinct types of assistance.

     Life Insurance Benefits -- The Order's various life insurance plans are available through our agents for a healthy child.
     But what about children who are physically challenged or mentally retarded? In these cases, Knights of Columbus offers:
       1.a $5,000 life insurance plan, at standard rates, for a member's uninsurable or rated newborn child provided the
          application is made before the child is 61 days old.
       2.a $5,000 life insurance plan, at a rated premium, for a member's uninsurable child between the ages of 60 days and
          18 years.
       3.up to $5,000 life insurance at standard rates for a mentally retarded child, otherwise in good health, between the ages
          of 3 years and 18 years.
     Death Benefits -- Knights of Columbus provides:
       1.a $1,500 death benefit to the family when a child dies less than 61 days after birth.
       2.a $750 death benefit to the family when a child is stillborn at least 20 weeks after conception. The Order affirms that
          life begins at conception. In this instance, the benefit requires a certified death certificate for the stillborn child,
          hence the 20-week rule. To be eligible for these two benefits, the member must be in good standing with his Council,
          and at least one parent must be insured under an individual Knights of Columbus certificate.

ORPHAN FRATERNAL BENEFIT

Since the founding of the Order, Knights of Columbus has been especially concerned about welfare of the child who loses both
parents. With this new program the Order once again demonstrates this concern for the offspring of eligible families by
providing the following two benefits:

     Benefit Payments
  1.An Orphan Fraternal Benefit of $80.00 monthly is paid for support of each eligible orphan until he or she reaches age 19,
     graduates from high school, enters military service, marries, discontinues Knights of Columbus insurance, or no longer
     attends school (except if he or she has a disabling illness). If the orphan attends college or vocational/technical school
     fulltime, the Orphan Fraternal Benefit can continue to age 23.
  2.The child may be eligible for up to $1,750 each year in educational grants. The grants are based on financial need and will
     not exceed a maximum of $7,000 over a four-year period.

For a child to be eligible for these two orphan benefits, the father must have been in good standing with his Council and at least
one parent must have been insured under a Knights of Columbus certificate.

Your Knights of Columbus Insurance Representative can provide the details.

The Family Fraternal Benefit and Orphan Fraternal Benefit programs are fraternal benefits and not guaranteed contractural life
benefits.