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Carriers and 35-Year Policies

American General Life Insurance Company – AG Select-A-Term 35-Year

AG Select-a-Term 35 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 1/15/2021.

American General Life Insurance Company – Term 35-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 35-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. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form # ICC18-OPTC 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. 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 35 issue ages are 20-50 non-tobacco and 20-45 tobacco. 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 35 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 35 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 Insurance Company. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 01/06/2021. Compliance #20-259.

Protective – Classic Choice Term 35-Year

Protective Classic Choice Term 35 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. 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 Protective Life Insurance Company.

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