"Joel Clark Rev. 3" Radio Ad: 40 year-old male in excellent health, $500,000, 10-year policy for $21 a month.
Example policy for a 40 year-old male, $500,000 for $21 a month is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount: $50,000-$99,999, $100,000-$249,999, $250,000-$999,999, $1 million- $1,999,999, $2 million and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 10-26-09. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-012.

"Under a dollar a day" TV Ad: A man, 37, in excellent health for a $500,000 policy, guaranteed 10 years, for under $18 a month. A man, 43, in excellent health for $500,000, guaranteed 10 years, for under $28 a month. A woman, 47, in excellent health for $250,000, guaranteed 10 years, for under $20 a month. Example policies are an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 11-162.

"Dad" Radio Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under $22 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Urbana, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 11-01-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 11-311.
 
"Suze Orman-Hassle" TV Ad: 43 year-old male in excellent health, $500,000, 10-year policy for under $26 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Urbana, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 11-01-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance11-289.
 

"Guess What Two" TV Ad: 38 year-old male in excellent health, $500,000, 10-year policy for under $18 a month. 36 year-old female in excellent health, $500,000. 10-year policy for under $16 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #11-223.

"Human Nature" TV Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under $22 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #11-224.

“What a Feeling" TV Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under $22 a month. 39 year-old female in excellent health, $350,000, 10 year policy for under $14 a month.
Example policy for a 41 year-old male, $500,000 for under $22 a month is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Example policy for a 39 year-old female, $350,000 for under $14 a month is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA.  Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount: $50,000-$99,999, $100,000-$249,999, $250,000-$999,999, $1 million- $1,999,999, $2 million and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 10-26-09. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 10-054.

"Under a Dollar: 60 Second" Radio Ad: 43 year-old male in excellent health, $500,000, 10-year policy for $28 a month. 37 year-old male in excellent health, $500,000. 10-year policy for under $18 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 11-097.

"Joel Clark: 30 Second" Radio Ad: 40 year-old male in excellent health, $500,000, 10-year policy for $21 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #11-095.

"Under a dollar a day" 30 second TV Ad: A man, 37, in excellent health for a $500,000 policy, guaranteed 10 years, for under $18 a month.
Example policy is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount: $50,000-$99,999, $100,000-$249,999, $250,000-$999,999, $1 million and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 10-11-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising  #11-003.

“See how much you can save 1” banner Ad: Example policy for a 350,000 policy for less than $14 a month is for a woman, 39 years old, excellent health and guaranteed 10 years.Example policy is an OPTerm 10-Year, preferred plus policies. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above.Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 6-15-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-214.

“See how much you can save 2” banner Ad: Example policy for a 500,000 policy for less than $32 a month is for a man, 45 years old, excellent health and guaranteed 10 years.Example policy is an OPTerm 10-Year, preferred plus policies. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above.Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 6-15-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-215.

“See how much you can save 3” banner Ad: Example policy for a 500,000 policy for less than $20 a month is for a man, 40 years old, excellent health and guaranteed 10 years.Example policy is an OPTerm 10-Year, preferred plus policies. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above.Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 6-15-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-216.

“Suze Orman" Banner Grid Price Point Ad: All policies excellent health and guaranteed 10 years.
Example policies are OPTerm 10-Year, preferred plus policies. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above.Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 6-15-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-213 and #10-243.

"Ned" TV, Radio, Online Banner, and Print Ad: A man, 41, in good health for a $500,000 policy, guaranteed 10 years, for under $23 a month.
Example policy is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount: $50,000-$99,999, $100,000-$249,999, $250,000-$999,999, $1 million- $1,999,999, $2 million and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 10-26-09. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-017.

10 second TV Ad: 39 year-old female in excellent health, $350,000, 10-year policy for under $14 a month.
Example policy for a 39 year-old female, $350,000 policy for under $14 a month is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million- and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 6-15-10. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #10-261.

"Human Nature" Radio Ad: 39 year-old male in excellent health, $500,000, 10-year policy for $19 a month.
OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount $100,000-$249,999, $250,000-$999,999, $1 million and above. Premiums quoted include $65 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 (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months), and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 4-18-11. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 11-112.