"Joel Clark Rev. 3" Radio Ad: 40 year-old male in excellent health, $500,000, 10-year policy for $20 a month.
Example policy for a 40 year-old male, $500,000 for $20 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 or $1 million and above. Premiums quoted include $50 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 8-14-07. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #06-071.

"Ned" TV, Radio, Online Banner, and Print Ad: A man, 41, in good health for a $500,000 policy, guaranteed 10 years, for under $21 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: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 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 8-14-07. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #06-162.

"Dana" TV and Radio Ad: A woman, 43, in good health for $500,000 policy, guaranteed 10 years, for under $24 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: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 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 8-14-07. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance #06-160.

"Chris" TV and Radio Ad:A man, 47, Excellent Health. 350,000 policy. Under $27 a month. Guaranteed 10 years and a woman, 47, Excellent Health. $250,000 policy. Under $18 a month. Guaranteed 10 years.
Both 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 07-130 and 08-088.

"Lyn" TV Ad: A man, 46, Excellent Health. 350,000 policy. Under $25 a month. Guaranteed 10 years.
This 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: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 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 11-14-07. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 07-132.

"Robert" TV Ad: A man, 46, Excellent Health. 350,000 policy. Under $25 a month. Guaranteed 10 years.
This 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: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 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 11-14-07. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 07-131.

"Lower Prices" Radio Ad: A man, 40, Excellent Health. 500,000 policy. Under $19 a month. Guaranteed 10 years and a woman, 40, Excellent Health. $500,000 policy. Under $18 a month. Guaranteed 10 years. A Man, 45, Excellent Health, $500,000 policy. Under $32 a month. A Woman, Excellent Health, $500,000. Under $28 a month. Guaranteed 10 years.
Both 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 08-089.

"Suze" 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-091 and 08-092.

Ryan and Dad Radio Ad: A man, 41, Excellent Health, 500,000 policy. Under $21 a month. Guaranteed 10 years.
Example policy is a OPTerm 10-Year, preferred-plus non-tobacco 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-127.

Sandy Radio Ad: A woman, 39, Good Health, 500,000 policy. Under $21 a month. Guaranteed 10 years.
Example policy is a OPTerm 10-Year, preferred non-tobacco 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-126.

Sheryl Redo Radio Ad: A man, 40, cholesterol medication, 500,000 policy. Under $26 a month. Guaranteed 10 years.
Example policy is a OPTerm 10-Year, preferred non-tobacco 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-138

Call In2 Radio Ad: A man, 40, Excellent Health, 500,000 policy. Under $19 a month. Guaranteed 10 years.
Example policy is a OPTerm 10-Year, preferred plus non-tobacco 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 or $1 million and above. Premiums quoted include $50 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 2-25-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-137

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