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Carriers and 15-Year Policies

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American General Life Insurance Company – AG Select-A-Term 15-Year

AG Select-a-Term 15 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. Forms and plan provisions may vary by state. 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.

Banner Life Insurance Company – OPTerm 15-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 15 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 15 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 15 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 #20-255.

Lincoln – LifeElements Level Term 15-Year

Lincoln LifeElements Level Term 15 Year is non-participating term life insurance to age 95, policy form TRM6063, underwritten by Lincoln National Life Insurance Company, Fort Wayne , IN 46802. Minimum issue amount is $250,000. Sample premiums include a $90.00 annual policy fee. Forms and plan provisions may vary by state. Plan not available in all states. Suicide and other limits may apply. All rates subject to underwriting qualifications. Rates as of 1/11/2021.

Lincoln – TermAccel 15-Year

Lincoln TermAccel 15 Year is non-participating term life insurance to age 95, policy form TRM6069, underwritten by Lincoln National Life Insurance Company, Fort Wayne , IN 46802. Minimum issue amount is $100,000. Sample premiums include a $80.00 annual policy fee for policies $100,000 to $249,999 and $90.00 for policies $250,000 and above. Forms and plan provisions may vary by state. Plan not available in all states. Suicide and other limits may apply. All rates subject to underwriting qualifications. Rates as of 1/11/2021.

Pacific Life – PL Promise Term 15-Year

Pacific Life PL Promise Term 15 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 guaranteed premium period. All payments and guarantees are subject to the claims paying ability of Pacific Life Insurance Company.

Protective – Classic Choice Term 15-Year

Protective Classic Choice Term 15 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.

Protective – Custom Choice UL 15-Year

Protective Custom Choice UL 15, 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 fifteen policy years, decreasing thereafter (subject to a $10,000 minimum). At the end of the first 15-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. In Montana, unisex benefits and rates apply. 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 – PruLife ROP 15-Year

PruLife® Return of Premium Term 15-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 – Term Essential 15-Year

Pruco Life Term Essential 15-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.

United of Omaha Life Insurance Company – Term Life Answers 15-Year

United of Omaha – Term Life Answers 15-Year is a non-participating term life insurance to age 95, policy form 6181L-0696 (in TX, 6309L-0696), underwritten by United of Omaha Life Insurance Company, Omaha, NE 68175. The premium is guaranteed to stay the same for the 15 year period. Minimum issue 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.

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