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Carriers and 30-Year Policies
American General Life Insurance Company – AG Select-A-Term 30-Year
AG Select-a-Term 30 year is non-participating term life insurance to age 95, policy form 07007 underwritten by American General Life Insurance Company (American General Life), Houston, TX 77019. Minimum issue amount is $100,000. Non Tobacco means no tobacco use of any kind in the last 60 months for Preferred Plus, 36 months for Preferred, 24 months for Standard Plus and 12 months for Standard Sample premiums include the $74 annual policy fee for face amounts below $250,000 and $64 for $250,000 and up. Plan not available in all states. Suicide and other limits may apply. Preferred Plus is intended for approximately 35% of the population that can meet more stringent health criteria. All rates subject to underwriting qualifications. The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) are its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. Policies and riders not available in all states. Rates as of 7/27/2024.
American General Life Insurance Company – ROP Select-a-Term 30-Year
AG ROP Select-a-Term (Policy form Number 06001), issued by American General Life Insurance Company (American General Life), Houston, Texas, a member company of American International Group, Inc. (AIG). Premium rates current as of 7/31/2012; rates may vary by state. Premiums for other rate classes, ages and payment plans are available. Premium charges will depend on each applicant’s evidence of insurability. Premiums increase at the end of the guaranteed term if policy is renewed. Death benefit remains level and is payable in lump sum, or installments, if so elected. The insurance company may contest the policy for two years from date of policy issue for material misstatements or omissions on the application. Death benefit payable from any cause, except suicide within first two policy years. In the event of suicide in the first two years, policy is limited to return of premium paid. The cumulative premiums paid on the policy during the level term period (15, 20, 25, 30 or 35 years), not including substandard and rider charges, will be returned at the end of the level term period if the policy is in force at that time. The premium returned does not take into account any time value of money. Beginning the sixth (6th) policy year, a portion of the cumulative premiums will be returned upon surrender. Minimum issue amount is $100,000. Non Tobacco means no tobacco use of any kind in the last 60 months for Preferred Plus, 36 months for Preferred, 24 months for Standard Plus and 12 months for Standard. Forms and plan provisions may vary by state. All rates subject to underwriting qualifications. The underwriting risks, financial obligations and support functions associated with the products issued by American General Life are its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General does not solicit business in the state of New York. Policies and riders not available in all states.
Banner Life Insurance Company – OPTerm 30-Year
Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company (Banner Life), Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner Life products are distributed in 49 states and in DC. Banner Life is not an authorized New York insurer and does not solicit business in NY. OPTerm policy form # ICC21-DTCV and state variations. Two-year contestability and applicable suicide provisions apply. A one-year suicide provision applies in CO, MO, and ND. The Banner Life term life insurance premiums quoted here are based on the information provided for this quote. 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 30 Year issue ages are 20-55 in non-tobacco classes and 20-50 in tobacco classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000-$1,499,999, $1,500,000-$2,499,999, $2,500,000-$5,000,000, $5,000,001 and above. Premiums quoted include a $90 annual policy fee. Premiums are guaranteed to stay level for 30 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 30 Year 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. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of Banner Life. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 9/4/2024. Compliance [# CN09032024-6].
Pacific Life – PL Promise Term 30-Year
Pacific Life PL Promise Term 30 is a level death benefit term life insurance policy to age 95, Policy Form #P16LYT or ICC 16 P16LYT , and state variations thereof, issued by Pacific Life Insurance Company, Newport Beach, CA 92660. Policy form numbers, product features and availability 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. Premiums increase annually after the initial period of guaranteed level premium. All payments and guarantees are subject to the claims paying ability of Pacific Life Insurance Company.
Protective – Classic Choice Term 30-Year
Protective Classic Choice Term 30 is a level death benefit term life insurance policy to age 90, policy form number ICC16-TL21/TL-21, and state variations thereof, issued by Protective Life Insurance Company, Birmingham, AL 35202. Policy form numbers, product features and availability 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. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of Protective Life Insurance Company.
Protective – Custom Choice UL 30-Year
Protective Custom Choice UL 30, policy form UL-22, is a universal life insurance policy issued by Protective Life Insurance Company, Birmingham, AL. Custom Choice UL can be purchased as an alternative to Term Life Insurance; the policy face amount will remain level for the first thirty policy years, decreasing thereafter (subject to a $10,000 minimum). At the end of the first 30-year period, secondary guarantees have been designed to provide coverage with scheduled, annually decreasing face amounts (subject to a $10,000 minimum). The insured has the option to exchange the then current face amount, evidence free, to a level face amount UL policy within the earlier of the first twenty policy years or to age 70. Re-applying for a new Custom Choice UL policy will require evidence of insurability which may include a medical examination. 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. Guarantees are subject to the claims paying ability of Protective Life Insurance Company. Policy form numbers, product features and availability may vary by state. Premiums shown are approximate and subject to verification by the insurance carrier.
Pruco Life Insurance Company of New Jersey – PruLife ROP 30-Year
PruLife® Return of Premium Term 30-Year is a non-participating individual term life insurance policy issued by Pruco Life Insurance Company, Newark, NJ 07102. Minimum issue amount is $100,000. The policy provides a guaranteed death benefit until age 95 and a guaranteed cash value during the level premium period. The ‘money back’ feature provides that if the insured is alive at the end of the level premium period, all premiums paid are returned to the policyowner, less any outstanding loan balance. Prior to the end of the level premium period, the policy can be surrendered for its cash value less any loan balance. All premiums may not be returned if the policy is surrendered before the end of the level premium paying period. Forms and plan provisions may vary by state. Suicide and other limits may apply. Plan not available in all states. All rates subject to underwriting qualifications. Rates effective as of 10/7/2013.PruLife Return of Premium Term is issued by Pruco Life Insurance Company in all states except New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey. Each is solely responsible for its own financial condition and contractual obligations. The policy’s contract numbers are PLTIR-2013 or ICC13PLTIR-2013 followed by a state code. The Return of Premium rider numbers are TB167(15)-2013, TB167(20)-2013, and TB167(30)-2013.
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Pruco Life Insurance Company of New Jersey – Term Essential 30-Year
Pruco Life of New Jersey- Term Essential 30-Year is non-participating term life insurance to age 95, policy form PLTIC-2016 or ICC16 PLTIC-2016, underwritten by Pruco Life Insurance Company, Newark, NJ 07102. Minimum issue amount is $100,000. Sample premiums include the $85.00 annual policy fee. Forms and plan provisions may vary by state. Suicide and other limits may apply. Plan not available in all states. All rates subject to underwriting qualifications. Rates effective as of 1/25/2021.
Pruco Life Insurance Company – PruLife ROP 30-Year
PruLife® Return of Premium Term 30-Year is a non-participating individual term life insurance policy issued by Pruco Life Insurance Company, Newark, NJ 07102. Minimum issue amount is $100,000. The policy provides a guaranteed death benefit until age 95 and a guaranteed cash value during the level premium period. The ‘money back’ feature provides that if the insured is alive at the end of the level premium period, all premiums paid are returned to the policyowner, less any outstanding loan balance. Prior to the end of the level premium period, the policy can be surrendered for its cash value less any loan balance. All premiums may not be returned if the policy is surrendered before the end of the level premium paying period. Forms and plan provisions may vary by state. Suicide and other limits may apply. Plan not available in all states. All rates subject to underwriting qualifications. Rates effective as of 10/7/2013.PruLife Return of Premium Term is issued by Pruco Life Insurance Company in all states except New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey. Each is solely responsible for its own financial condition and contractual obligations. The policy’s contract numbers are PLTIR-2013 or ICC13PLTIR-2013 followed by a state code. The Return of Premium rider numbers are TB167(15)-2013, TB167(20)-2013, and TB167(30)-2013.
0268023-00001-00
Pruco Life Insurance Company – Term Essential 30-Year
Pruco Life Term Essential 30-Year is non-participating term life insurance to age 95, policy form PLTIC-2016 underwritten by Pruco Life Insurance Company of New Jersey, Newark, NJ 07102. Minimum issue amount is $100,000. Sample premiums include the $85.00 annual policy fee. Forms and plan provisions may vary by state. Suicide and other limits may apply. Plan not available in all states. All rates subject to underwriting qualifications. Rates effective as of 1/25/2021.
United of Omaha Life Insurance Company – Term Life Answers 30-Year
United of Omaha – Term Life Answers 30-Year is a non-participating term life insurance to age 95, policy form 6182L-0696 (in TX, 7172L-0203) , underwritten by United of Omaha Life Insurance Company, Omaha, NE 68175. The premium is guaranteed to stay the same for the 30 year period. The minimum face amount is $100,000. Premiums include a $62.50 annual policy fee. Forms and plan provisions may vary by state. Plan is available in all states except New York. Suicide and other limits may apply. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates subject to underwriting qualifications. Rates effective as of 4/1/2020.
William Penn Life Insurance Company of New York – OPTerm 30-Year
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. William Penn products are available exclusively in NY. Banner does not solicit business in NY. OPTerm policy form # DTCV21-NY. Two-year contestability and suicide provisions apply. The William Penn life insurance premiums quoted here are based on the information provided for this quote. 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 30 issue ages are 20-51 non-tobacco and 20-50 tobacco. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000-$1,499,999, $1,500,000-$2,499,999, $2,500,000-$5,000,000, $5,000,001 and above. Premiums quoted include $80 annual policy fee. Premiums are guaranteed to stay level for 30 years and increase annually after 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 30 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. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of William Penn Life Insurance Company of New York. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 5/4/2023. Compliance # CN03162023-12.