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50% savings is based on published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $5,000,000 10-year term policy for $275.59/month ($3,170.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $106.59/month ($1,239.40/year).

Joel Clark

50% savings and example rates are based on published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $10,000,000 10-year term policy for $545.09/month ($6,270.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $205.44/month ($2,388.80/year).

$304/year savings is based on published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $10,000,000 10-year term policy for $545.09/month ($6,270.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $205.44/month ($2,388.80/year).

More than $4,000/year savings is based on a customer paying published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $10,000,000 10-year term policy for $545.09/month for 12 months (total of $6,552/year) compared to paying the lowest available rate from one of the insurance companies SelectQuote represents of $205.44/month for 12 months ($2,472/year). The difference in payment is a savings of $4,080/year.

Over $40,000/10 year savings is based on a customer paying published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $10,000,000 10-year term policy for $545.09/month for 10 years (total of $6,552/year) compared to paying the lowest available rate from one of the insurance companies SelectQuote represents of $205.44/month for 10 years (tota of $2,472/year). The difference in payment is a savings of $40,800/10 years.

Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Why SelectQuote?

Claim based on published rates from a National Carrier as of October 2021 for a 35-year-old female in excellent health for a $500,000 10-year term policy for 22.64/month compared to the lowest available rate from one of the insurance companies SelectQuote represents of 11.96/month.

Claim is also based on published rates from a National Carrier as of October 2021 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for 49.14/month compared to the lowest available rate from one of the insurance companies SelectQuote represents of 18.37/month.

Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx

Brother in Law

Claim is based on published rates from a National Carrier as of October 2021 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for 49.14/month compared to the lowest available rate from one of the insurance companies SelectQuote represents of 18.37/month.
Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Group Life – America’s #1 Term Life Sales Agency

Savings are estimated by comparing the highest and lowest prices of policies available through SelectQuote in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the SelectQuote team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice

Group Life – with Rate

More than 50% savings are estimated by comparing the highest and lowest prices of policies available through SelectQuote in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the SelectQuote team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Example rate is lowest available rate from SelectQuote carriers for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year policy at $18.37/mo in April 2021.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice

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 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.

Health Scare

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 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.

Mike Greenburg – ESPN

A 35 year-old male, Preferred Plus, a $500,000, 10-year policy for under $19 a month. Premiums are based on the assumption of great 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 # 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. 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 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 08-11-20. Advertising compliance #20-269.

Alan Alda Podcast

A 40 year-old male, Preferred Plus, a $500,000, 10-year policy for under $26 a month. A 37 year-old female, Preferred Plus, a $750,000, 10-year policy for under $26 a month. Premiums are based on the assumption of great 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 # 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. 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 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 08-11-20. Advertising compliance #20-268.

Michael Knowles and Jordan Harbinger Podcast

A 35 year-old male, Preferred Plus, a $500,000, 10-year policy for under $19 a month. Premiums are based on the assumption of great 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 # 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. 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 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 08-11-20. Advertising compliance #20-267.

Take Care Pre-existing

A 40 year-old male, Type 2 diabetes, a $250,000, 10-year policy for under $29 a month. Premiums are based on the assumption of good health 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 # 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. 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 4/2/20. Advertising compliance #20-142.

Take Care Birthday

A 45 year-old female, Preferred Plus, a $500,000, 10-year policy for under $27 a month. Premiums are based on the assumption of great 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 # 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. 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 4/2/20. Advertising compliance #20-143.

Take Care Funeral

A 40 year-old male, Preferred Plus, a $500,000, 10-year policy for under $25 a month. Premiums are based on the assumption of great 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 # 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. 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 4/2/20. Advertising compliance #20-140.

Man on the Street – Procrastination

A 40 year-old male, Preferred Plus, a $500,000, 10-year policy for under $25 a month. Premiums are based on the assumption of great 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 # 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. 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 4/2/20. Advertising compliance #20-139.

Man on the Street – Pre-existing

A 40 year-old male, Type 2 Diabetes, a $250,000, 10-year policy for under $29 a month. Premiums are based on the assumption of good 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 # 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. 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 4/2/20. Advertising compliance #20-141.

Man on the Street – Insurance at Work

A 38 year-old female, Preferred Plus, a $500,000, 10-year policy for under $19 a month. Premiums are based on the assumption of great 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 # 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. 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 4/2/20. Advertising compliance #20-138.

Nancy Grace Live Read

A 40 year-old female, Preferred Plus, a $500,000, 10-year policy for under $20 a month. Premiums are based on the assumption of great 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 # 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. 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 4/2/20. Advertising compliance #20-115.

Sirius XM Personality Live Read

A 40 year-old male in excellent health, $500,000, 10-year policy for under a $1 a day. Example policy is for $26 a month. Policy is a United of Omaha : Term Life Answers 10 is a non-participating term life insurance to age 95, policy form 6179L-0696 (in TX, 5957L-0495), underwritten by United of Omaha Life Insurance Company, Omaha, NE 68175. The premium is guaranteed to stay the same for the 10 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 1/1/2020.

ESPN and SIRUS Live Reads

A 35 year-old male, Preferred Plus, a $500,000, 10-year policy for under $21 a month. Premiums are based on the assumption of great 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 # 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. 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 5-13-19. Advertising compliance #19-164.

Smerconish – Live Read

A 40 year-old male, Preferred Plus, a $500,000, 10-year policy for under $25 a month. Premiums are based on the assumption of great 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 # 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. 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 12-11-18. Advertising compliance # 19-030.

Impaired Risk

Tanya, who has type 2 diabetes, a 10-year term policy, $500,000 policy for only $32 a month, Jonathan, 40, who is in good health but has sleep apnea, a 10-year term policy, $500,000 policy for only $36 a month, Chris, 40, who has high blood pressure and taking meds, a 10-year term policy, $500,000 policy for only $19 a month and Jeff, 35, who is a little overweight, a 10-year term policy, $500,000 policy for only $27 a month. 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 New York where it is issued by 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.

Tanya

Tanya, who has type 2 diabetes, a 10-year, $500,000 policy for only $32 a month and Jonathan, 40, who is in good health but has sleep apnea, a 10-year, $500,000 policy for only $36 a month. 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 New York where it is issued by 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.

Better Than Group Life

A 36 year-old male in excellent health, $500,000, 10-year policy for under $20 a month. This rate is based on an assumption of excellent health and a Preferred Plus rating for a 36 year old male, $500,000 10-year policy for under $20 per month. 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 2/26/2018. Advertising compliance #18-111.

David-ALS

A 37 year-old male in excellent health, $500,000, 10-year policy for under a $1 a day. This rate is based on an assumption of excellent health and a Preferred Plus rating for a 37 year old male, $500,000 10-year policy for under $21 per month. 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 2/26/2018. Advertising compliance #18-109.

Ticking Clock

A 40 year-old male, preferred plus policy, $500,000, 10-year policy for under $25 a month. This price is based on the assumption of great 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 6-19-2017.