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The Switch

Claim based on published rates from a National Carrier as of Aug. ’20 for a 45-year old male in excellent health for a $1,000,000 10 year term policy for $66.09/mo., $760.00/yr. compared to lowest available rate from SelectQuote of $46.81/mo., $550.70/yr. with Protective. Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except New York where it is issued by Protective Life and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company.

Bills

Claim based on published rates from a National Carrier as of Aug. ’20 for a 45-year old male in excellent health for a $1,000,000 10 year term policy for $66.09/mo., $760.00/yr. compared to lowest available rate from SelectQuote of $46.81/mo., $550.70/yr. with Protective. Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except New York where it is issued by Protective Life and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company.

Health Scare

Male, Age 45 in excellent health for a $500,000 10-year term policy with Protective for $28.15/mo. and $331.10/yr. Female, age 43 in excellent health for a $500,000 10-year term policy with Protective for $20.77/mo. and $244.30/yr. Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except New York where it is issued by Protective Life and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company.

Need Life Insurance?

All policies are Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except Protective Life and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies are located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company. 12/7/2018

Paycheck

38 year-old male in excellent health, $500,000, 10-year policy for under $23 a month. 37 year-old female in excellent health, $750,000, 10-year policy for under $23 a month. These rates are based on an assumption of excellent health and a Preferred Plus rating. Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form # ICC12OPTN and state variations. Two-year contestability and suicide provisions apply. The Banner term life insurance premiums quoted here are based on the information provided for this quote. The quote is based on the assumption of excellent health and does not take into consideration occupational risks or other avocations. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. OPTerm 10 issue ages are 20-75 all classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after the initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 10 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Rates as of 6/26/2018. Advertising compliance #18-178.