Policy Forms

American General- LTG - Ultra C (Form #06004)-10-year, 15- year, 20- year, 30-year is non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $100, 000 and Maximum issue amount is $250,000. American General Life Insurance Company, Houston, TX 77017, underwrites policy. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, while sane or insane, within two years from the date of issue, our liability will be limited to premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

American General- Select-a-Term (Form #07007) -10-,12-,15-,16-,17-,18-,19-,20-,21-,22-,23-,24-,25-,26-,27-,28-,29, and 30 year terms. Is a non-participating term life insurance which, depending on initial age and term length, can be written to age 87 . Coverage is renewable to age 95. Minimum issue amount is $250,000. Policy is underwritten by American General Life Insurance Company, Houston, TX 77017. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, while sane or insane, within two years from the date of issue, our liability will be limited to premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

American General- ROP Term (Form# 06001)-, 15- year, 20- year, 30-year is non-participating term life insurance to age 80 with a return of premium provision . Coverage is renewable to age 95. Minimum issue amount is $100, 000. Policy is underwritten by American General Life Insurance Company, Houston, TX 77017. Non-Tobacco means no nicotine or nicotine substitutes use for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. All premiums with the exception of riders, flat extra and substandard premiums are refunded at the end to the term length. Suicide, incontestability and other limits may apply Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, while sane or insane, within two years from the date of issue, our liability will be limited to premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

American General- ContinUL Extend - (Form# 05337) A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed to age 121. Minimum issue amount is $100,000. Policy is underwritten by American General Life Insurance Company, Houston, TX 77017. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, while sane or insane, within two years from the date of issue, our liability will be limited to premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Banner Life - OPTerm policy (Form #RT-97.)- OPterm 10-year, 15- year, 20- year, 30-year is non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $100,000. Policy is underwritten by Banner Life Insurance Company, Rockville, MD 20850. Non-Tobacco means no nicotine use or nicotine substitutes for 3 years for preferred plus, 2 years for preferred, 1 year for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide, incontestability and other limits may apply. Suicide - the benefits are limited if the insured commits suicide while sane or insane, within two years from the issue date. In such case, our liability will be limited to a refund of all premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Genworth Life Insurance Company - (Form # GE-1420)- Sure Term 5, 10,15, 20 and 30 is non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $50,000. Policy is underwritten by Genworth Life Insurance Company, Richmond, VA 23230. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best, 3 years for preferred, 2 years for select and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide, incontestability and other limits may apply. Suicide - If the Insured, while sane or insane dies by suicide, within two years After the Date of Issue, shown in the Schedule, the death proceeds under this Policy will be an amount equal to the premiums paid, less the loan balance as of the date of death. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Genworth Life Insurance Company - Vantage Point Term (Form #TLNCVG05 et al)-, 15- year, 20- year, 30-year is non-participating term life insurance to age 80 with a return of premium provision . Coverage is renewable to age 95. Minimum issue amount is $100, 000. Policy is underwritten by Genworth Life Insurance Company, Richmond, VA 23230. Non-Tobacco means no nicotine or nicotine substitutes use for 5 years for preferred best, 3 years for preferred, 2 years for select and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. All premiums with the exception of flat extra and substandard premiums are refunded at the end to the term length. Suicide, incontestability and other limits may apply Suicide, incontestability and other limits may apply. Suicide - If the Insured, while sane or insane dies by suicide, within two years beginning with the Date of Issue, the death proceeds will be an amount equal to the premiums paid, as of the date of death. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Genworth Life Insurance Company - Lifetime FlexPlus- (Form# ULGE02SP)- A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed for life. Minimum issue amount is $25,000. Policy is underwritten by Genworth Life Insurance Company, Lynchburg, VA. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best, 3 years for preferred, 2 years for select and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured, while sane or insane dies by suicide, within two years after the Date of Issue, shown in the schedule, the death proceeds under this Policy will be an amount equal to the premiums paid, less the loan balance as of the date of death. Policy not available in all states. You can return the policy without obligation within 20 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Genworth Life Insurance Company of NY- (Form# AM - 1420)Term 5, 10, 15, 20 and Term 30 are non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $50,000. Policy is underwritten by Genworth Life Insurance Company, New York, NY 10017. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best, 3 years for preferred, 2 years for select and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide, incontestability and other limits may apply. Suicide - If the Insured dies by suicide, within two years After the Date of Issue, shown in the Schedule, the death proceeds under this Policy will be an amount equal to the premiums paid as of the date of death. Plan is only available in New York. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Genworth Life Insurance Company of NY- Lifetime FlexPlus NY- (Form# ULAML02SP (03)) - A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed for life. Minimum issue amount is $25,000. Policy is underwritten by Genworth Life Insurance Company of New York , New York, NY. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best, 3 years for preferred, 2 years for select and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured, while sane or insane dies by suicide, within two years after the Date of Issue, shown in the schedule, the death proceeds under this Policy will be an amount equal to the premiums paid, less the loan balance as of the date of death. Plan is only available in New York. You can return the policy without obligation within 20 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Lincoln National Life - (Form #TRM5060) - Life Elements Term - 10-year, Term 15- year, Term 20- year, Term 30-year is non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $100,000. Policy is underwritten by Lincoln National Life Insurance Company, Fort. Wayne, IN 46801. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best and 3 years for preferred. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured commits while sane or insane, within two years from the Issue Date, the liability of the Company under the policy will be limited to all premiums paid. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Lincoln Life and Annuity - NY- Life Elements Term (Form # GTO -NY) - GTO Term 10-year, Term 15- year, Term 20- year, Term 30-year is non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $100,000. Policy is underwritten by Lincoln Life and Annuity Insurance Company, Syracuse, NY 13202. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred best and 3 years for preferred. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide incontestability and other limits may apply. Suicide - If the Insured commits while sane or insane, within two years from the Issue Date, the liability of the Company under the policy will be limited to all premiums paid. Plan is only available in New York. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Protective Life and Annuity - NY - (Form # PL11312NY) Empire Term Series, 10 year, 15 year, 20 year, 25 year, and 30 year term is a non-participating term life insurance to age 80, underwritten by Protective Life and Annuity Insurance Co., Birmingham, AL 35202. Minimum issue amount is $100,000. Non-Tobacco means no tobacco use in the last 5 years for super preferred, and 12 months for preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured dies by suicide, within two years from the policy date, The Company liability for the death benefit is limited to the premiums paid. Plan is only available in New York. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Pruco Life Insurance Company - (Form # IFS-A-073214) Term Essential 10, 15, 20, 30 years. A non-participating term life insurance to age 95, underwritten by Pruco Life Insurance Company, a division of Prudential Insurance Company of America, Newark, NJ 07102. Minimum issue amount is $100,000. Non-Tobacco means no tobacco use in the last 5 years for preferred best, 3 years for preferred plus, and 12 months for preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured whether sane or insane, dies by suicide within two years from the Issue Date, this contract will end and the Company will return the premiums paid. The contract will provide no further benefit. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Pruco Life Insurance Company - PruLife ROP 15, 20, 30 years. (Form# PLTIR-2006) Is a non-participating term life insurance to age 95, with a return of premium provision. This Policy is underwritten by Pruco Life Insurance Company, a division of Prudential Insurance Company of America, Newark, NJ 07102. Minimum issue amount is $100,000. Non-Tobacco means no tobacco use in the last 5 years for preferred best, 3 years for preferred plus, and 12 months for preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured whether sane or insane, dies by suicide within two years from the Issue Date, this contract will end and the Company will return the premiums paid. The contract will provide no further benefit. All premiums with the exception of riders, flat extra and substandard premiums are refunded at the end to the term length. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Transamerica Occidental Life- (Policy Form #1-304 11-199)-Trendsetter Super 10, 15, 20 and 30 year term. Is a term life insurance policy issued by Transamerica Occidental Life Insurance Company, Los Angeles, CA. 90015. Non-Tobacco means no tobacco use in the last 5 years for preferred plus, 3 years for preferred, two years for Standard plus, and 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Policy form and number may vary, and this product may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Transamerica Occidental Life - Trendsetter ROP 30 (Policy form #1-230 11-106) is a term life insurance policy with a return of premium provision. Minimum issue amount is $100,000.This policy is underwritten by Transamerica Occidental Life Insurance Company, Los Angeles, CA. 90015. Premiums are guaranteed level for the first 30 years. Non-Tobacco means no tobacco use in the last 5 years for preferred plus, 3 years for preferred, 2 years for standard plus, and 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. All premiums with the exception of riders, flat extra and substandard premiums are refunded at the end to the term length. Policy form and number may vary, and this product may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Transamerica Occidental Life - TransACE - (Form # 1-12611107 (CVAT) ) A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed to age 111. Minimum Issue amount is $25,000. Underwritten byTransamerica Occidental Life Insurance Company, Los Angeles, CA. 90015. Non-Tobacco means no tobacco use in the last 5 years for select, 3 years for preferred, 2 years for standard plus, and 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Policy form and number may vary, and this product may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.
Transamerica Financial Life Insurance Company - (Policy Form #3-306 38-106)-Trendsetter Super 10, 15, 20 and 30 year term. Is a term life insurance policy issued by Transamerica Financial Life Insurance Company, New York, NY. Non-Tobacco means no tobacco use in the last 5 years for preferred plus, 3 years for preferred, 2 years for standard plus, and 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Policy form and number may vary, and this product is only available in New York. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

Transamerica Financial Life Insurance Company - TransACE NY - (Form # 3-12038103 CVAT) A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed to age 111. Minimum Issue amount is $25,000. Underwritten byTransamerica Financial Life Insurance Company, Purchase, NY. Non-Tobacco means no tobacco use in the last 5 years for select, 3 years for preferred, 2 years for standard plus, and 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Policy form and number may vary, and this product is only available in New York. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

United States Life Insurance Company - Select-a-Term (Form #07007)-10-,12-,15-,16-,17-,18-,19-,20-,21-,22-,23-,24-,25-,26-,27-,28-,29, and 30 year terms. Is a non-participating term life insurance to age 80. Coverage is renewable to age 95. Minimum issue amount is $250,000. Policy is underwritten by United Sates Life Insurance Company, New York, NY 10022. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, within two years from the date of issue, the Company liability will be limited to the premiums paid. Plan is only available in New York. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

United States Life Insurance Company - ContinUL Extend - (Form# 05337N) A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed to age 121. Minimum issue amount is $100,000. Policy is underwritten by the United States Life Insurance Company in the city of New York, NY 10022. Non-Tobacco means no nicotine use or nicotine substitutes for 5 years for preferred plus, 3 years for preferred, 2 years for standard plus and at least 12 months for standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - In the event of the suicide of the insured, while sane or insane, within two years from the date of issue, our liability will be limited to premiums paid. Plan only available in New York. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

West Coast Life - (Form#05113700) Focus Term Series- 10 year, 15 year, 20 year, 25 year, and 30 year term, is a non-participating term life insurance to age 95, underwritten by West Coast Life Insurance Company, San Francisco, CA 94119. Minimum issue amount is $100,000. Non-Tobacco means no tobacco use in the last 5 years for super preferred, and 12 months for preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured dies from suicide, whether sane or insane, within (2) two years from the Policy Date. The Company is only liable for the return of any premium(s) received. The contract will provide no further benefit. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

West Coast Life - LifeTime Platinum II - (Form# WC-U15 11-06) A flexible premium adjustable Universal Life policy that can be issued with a No Lapse feature for coverage guaranteed to age 121. Minimum Issue amount is $100,000. Underwritten by West Coast Life Insurance Company, San Francisco, CA 94119. Non-Tobacco means no tobacco use in the last 5 years for super preferred, and 12 months for preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - If the Insured dies from suicide, whether sane or insane, within (2) two years from the Policy Date. The Company is only liable for the return of any premium(s) received. The contract will provide no further benefit. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not statements of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.

William Penn - Penn Term (Form #T-RC-IP/97 )- PennTerm 10, 15, 20, and 30 year term is non-participating term life insurance to age 80.. Only available in New York. PennTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 60 months), preferred non-tobacco, (no tobacco use in past 36 months, standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. PennTerm 5, 10, 15, & 20 can be renewed to age 95 for business situations. PennTerm 5, 15 & 20 coverage can be renewed to age 80 for non-business situations. PennTerm 10 coverage can be renewed to age 80 for non-business situations, or 10 years if longer. These policies are underwritten by William Penn Life Insurance Company of NY 11530. The William Penn term life insurance premiums quoted here are based on the information provided for the 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 rates 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. Suicide, incontestability and other limits may apply. Suicide-If the insured dies by suicide within two years from the Date of Issue of this contract, the only death benefit will be the sum of the premiums paid. The amount will be paid in a single sum. You can return a policy without obligation within 20 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to the policy form for full disclosure of benefits and limitations.

Liberty Life- (Form # LT (06-04) - Level Term 10 year, 15 year, 20 year, and 30 year term is a non-participating term life insurance to age 95, underwritten by Liberty Life Insurance Company, Greenville, SC 29602. Minimum issue amount is $100,000. Non-Tobacco means no tobacco use in the last 12 months for preferred plus, preferred and standard. The most favorable rate classes (and lowest rates) are generally intended for those who can meet strict health/lifestyle criteria. All rates are subject to underwriting qualifications, exam results and personal physician statements. Suicide, incontestability and other limits may apply. Suicide - Suicide, while sane or insane, within two years from the Date of Issue, is a risk not covered. In such event, the Company liability is limited to the refund of all premiums paid for the Policy. Plan not available in all states. You can return the policy without obligation within 10 days of receipt. Policy descriptions provided here are not a statement of contract. Please refer to policy form for full disclosure of benefits and limitations. Forms and policy provisions may vary by state.