Advertising Disclaimers

"Joel Clark" Radio Ad: 40 year-old male in excellent health, $500,000, 10-year policy for $21 a month.
Example policy is a SBLI 10 year Term Life Insurance (Policy form series B-56) and is a  non-participating term life policy to age 85, issued by the Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. Premiums are guaranteed to stay level for 10 years, increasing thereafter. Minimum face amount is $100,000 and can be issued on a non-nicotine basis from ages 18 to 74, and on a nicotine basis from ages 18 to 70.  Sample premiums include $60 annual policy fee.  Suicide and other limits apply. Not available in all states.  Rates effective as of 1/20/2014.

 

"Under A Dollar" TV Ad: A man, 37, in excellent health for a $500,000 policy, guaranteed 10 years, for under $20 a month. A man, 43, in excellent health for $500,000, guaranteed 10 years, for under $29 a month. A woman, 47, in excellent health for $250,000, guaranteed 10 years, for under $18 a month.  Example policies are 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-163.

 

"Smart Shopper" TV Ad: 47 year-old male in excellent health, $500,000, 10-year policy for under $39 a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-200.
 

"Everyday" radio ad: 41 year-old male in excellent health, 600,000, 10-year policy for under $29 a month.
Example policy is a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance#14-174.
 

"Paycheck" TV Ad: 38 year-old male in excellent health, $500,000, 10-year policy for under $19 a month. 41 year-old male in excellent health, $500,000, 10-year policy for under $23 a month.  39 year-old female in excellent health, $350,000, 10-year policy for under $14 a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance#14-172.

 

"Paycheck” New radio ad: A 38 year-old male in excellent health, $500,000, 10-year policy for under $20 a month. A 41 year-old male in excellent health, $500,000, 10-year policy for under $24 a month.
Example policies are SBLI 10 year Term Life Insurance (Policy form series B-56) and are  non-participating term life policy to age 85, issued by the Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. Premiums are guaranteed to stay level for 10 years, increasing thereafter. Minimum face amount is $100,000 and can be issued on a non-nicotine basis from ages 18 to 74, and on a nicotine basis from ages 18 to 70.  Sample premiums include $60 annual policy fee.  Suicide and other limits apply. Not available in all states.  Rates effective as of 7/01/2014. NAIC # is 70435
 

"New Dad" Radio Ad: 34 year-old male in excellent health, $700,000, 10-year policy for under a dollar a day.

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, Garden City, 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 20-80 all classes; 20-70 WA all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$999,999, $1,000,000 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, 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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-146 (REV).

 

"Snapshot Joel " TV Ad: 45 year-old male in good health based on standard rate, $500,000, 10-year policy for under $60 a month. And 40 year old female in great health based on preferred plus rate, $350,000 10-year policy for under $15 a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-344(REV).
 

"Joel Clark" TV Ad: 40 year-old man, 6 feet, 281 pounds, $500,000, 10-year policy for under $39 a 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, Garden City, 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 a standard non-tobacco rate 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-013 (REV).
 

"50 Cent" radio ad: 29 year-old male in excellent health, $400,000, 10-year policy for less than 50 cents a day. Example policy is a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance#14-173.

 

"Trudy" TV Ad: 45 year-old man, controlled type-2 diabetes, $400,000, 10-year policy for under $49 a 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, Garden City, 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 a standard non-tobacco rate 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 10-07-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-001.
 

"Snapshot Trudy" TV Ad: 39 year-old female in excellent health, $350,000, 10-year policy for under $14 a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 10-07-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-327.

 

"Joel Impaired Risk" radio Ad: 40 year-old man, six feet, 281 pounds, $350,000, 10-year policy for under $39 a 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, Garden City, 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 a standard rate 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 10-07-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-390.
 

“Joy Waller” Radio Ad: 33 year-old female in good health, $1,000,000, 20-year policy for under $36 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, Garden City, 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 20 issue ages are 20-70 non-tobacco classes and 20-65 tobacco classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$999,999, $1,000,000 and above. Premiums quoted include $65 annual policy fee. Premiums are guaranteed to stay level for 20 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 20 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 4-11-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-173.

 


"Dad" Radio Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under $23 a 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, Garden City, NY. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form #RT-97 and state variations. Premiums are guaranteed to stay level for the initial term period and increase annually thereafter. Premiums quoted include a $65 annual policy fee. Premiums based on preferred plus non-tobacco. Rates as of 9-04-12. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #12-284.

"Guess What Two" Radio Ad: 38 year-old male in excellent health, $500,000 10-year policy for under $21 a month. 36 year-old female in excellent health, $500,000 10-year policy for under $16 a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-199.

 

Couple Banner Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under a dollar a day. 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$999,999, $1,000,000 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, 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 4-11-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #­­13-167.

 

Grid Banner Ad: 45 and 50 year old male and female in excellent health, $250,000, $300,000 and $500,000, 10-year policies. 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$999,999, $1,000,000 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, 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 4-11-2013. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #­­13-168.


"Guess What Two" TV Ad: 38 year-old male in excellent health, $500,000, 10-year policy for under $19 a month. 36 year-old female in excellent health, $500,000. 10-year policy for under $16 a month.
Example policies are SBLI 10 year Term Life Insurance (Policy form series B-56) and are  non-participating term life policy to age 85, issued by the Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. Premiums are guaranteed to stay level for 10 years, increasing thereafter. Minimum face amount is $100,000 and can be issued on a non-nicotine basis from ages 18 to 74, and on a nicotine basis from ages 18 to 70.  Sample premiums include $60 annual policy fee.  Suicide and other limits apply. Not available in all states.  Rates effective as of 1/20/2014.

"Human Nature" TV Ad: 41 year-old male in excellent health, $500,000, 10-year policy for under $25 a month. Example policy is a 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, Garden City, 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #14-165.
 

 

"Nick Group Life" Radio Ad: 41 year-old male in excellent health, $500,000, 10-year policy for $23 a month.  Example policy is a Colony Term 10 policy from Genworth Life and Annuity Insurance Company or Genworth Life Insurance Company (Genworth), Richmond, VA. The 41 year-old male in excellent health is an example for Preferred Best No Nicotine Use. The example $23 monthly premium (rates as of 4/22/14) includes a $50.00 annual policy fee. Rates for other underwriting classifications are higher. No Nicotine Use excludes use of nicotine and nicotine substitutes. The yearly cost will be higher if premiums are paid semiannually, quarterly, or monthly. Monthly planned premiums can only be paid via electronic funds transfer. For non-annual payments spread throughout the year, Genworth adjusts the premium by a modal factor consistent with an annual percentage rate of 8.2% (semi annual), 10.8% (quarterly) or 10.8% (monthly pre-arranged withdrawals only). The yearly premium cost will be higher if you pay semi annually, quarterly or monthly.In certain cases, you may be able to obtain more coverage for the same or lower premium. Please confirm with your agent/producer that you are obtaining the most coverage for the premium paid.

Colony Term 10 is a term life insurance policy with guaranteed level premiums for the selected period of 10 years. After the level premium period, premiums are not guaranteed and increase annually subject to maximums stated in the policy. Benefits for all policies cease at the policy anniversary nearest the insured's 98th birthday (in MD, the insured's 95th birthday).
 
The product, riders and benefits are subject to the terms and conditions of its policy forms and to state availability and issue limitations. Forms and policy provisions may vary by state. The policy is not available in all states.  Colony Term 10 is subject to Policy Form No. 1420 (96) et al. or 1421 et al. (Genworth Life and Annuity Insurance Company) or Policy Form No. GE-1420 et al. (Genworth Life Insurance Company).  Refer to the policy for definitions and more details regarding coverage and its features. This description provides a summary of coverage. Policy terms and provisions will prevail.


When making a coverage decision, Genworth will consider additional conditions and circumstances, which may result in a different premium than quoted. All rates are subject to underwriting qualifications and issue limitations. The name Colony used with life insurance products is a Genworth service mark.

 

"Trudy" Radio Ad: 45 year-old man, controlled type-2 diabetes, $400,000, 10-year policy for under $49 a 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, Garden City, 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 standard non-tobacco rate 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 20-80 all classes. Premium rates vary by coverage amount: $100,000-$249,000, $250,000-$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 3-31-2014. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #13-388 (REV).
 

 

 

 

SelectNews Is Full of Ways
to Help You Save.

Subscribe
Smart Shoppers Choose SelectQuote. Find Out Why

Save on Your
Auto and Home Insurance.

Get Started