Carriers and 25-Year Policies

American General Life Insurance Company – AG Select-A-Term 25-Year

AG Select-a-Term 25 year is non-participating term life insurance to age 95, policy form 07007 underwritten by American General Life Insurance Company (American General Life), Houston, TX 77019. Minimum issue amount is $100,000. Non Tobacco means no tobacco use of any kind in the last 60 months for Preferred Plus, 36 months for Preferred, 24 months for Standard Plus and 12 months for Standard. Sample premiums include the $74 annual policy fee for face amounts below $250,000 and $64 for $250,000 and up. Forms and plan provisions may vary by state. Plan not available in all states. Suicide and other limits may apply. Preferred Plus is intended for approximately 35% of the population that can meet more stringent health criteria. All rates subject to underwriting qualifications. The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) are its responsibility. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. Policies and riders not available in all states. Rates as of 7/27/2024.

Banner Life Insurance Company – OPTerm 25-Year

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company (Banner Life), Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner Life products are distributed in 49 states and in DC. Banner Life is not an authorized New York insurer and does not solicit business in NY. OPTerm policy form # ICC21-DTCV and state variations. Two-year contestability and applicable suicide provisions apply. A one-year suicide provision applies in CO, MO, and ND. The Banner Life term life insurance premiums quoted here are based on the information provided for this quote. 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 25 Year issue ages are 20-60 in non-tobacco classes and 20-55 in tobacco classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000-$1,499,999, $1,500,000-$2,499,999, $2,500,000-$5,000,000, $5,000,001 and above. Premiums quoted include a $90 annual policy fee. Premiums are guaranteed to stay level for 25 years and increase annually after the initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco, and standard tobacco classes. OPTerm 25 Year 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. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of Banner Life. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 9/4/2024. Compliance [# CN09032024-5].

Pacific Life – PL Promise Term 25-Year

Pacific Life PL Promise Term 25 is a level death benefit term life insurance policy to age 95, Policy Form #P16LYT or ICC 16 P16LYT , and state variations thereof, issued by Pacific Life Insurance Company, Newport Beach, CA 92660.  Policy form numbers, product features and availability may vary by state.  Consult the policy for benefits, riders, limitations and exclusions.  Subject to underwriting. Up to a two-year contestable and suicide period.  Benefits adjusted for misstatements of age or sex. Premiums increase annually after the initial period of guaranteed level premium. All payments and guarantees are subject to the claims paying ability of Pacific Life Insurance Company.

Protective – Classic Choice Term 25-Year

Protective Classic Choice Term 25 is a level death benefit term life insurance policy to age 90, policy form number ICC16-TL21/TL-21, and state variations thereof, issued by Protective Life Insurance Company, Birmingham, AL 35202. Policy form numbers, product features and availability may vary by state. Consult the policy for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of Protective Life Insurance Company.

Protective – Custom Choice UL 25-Year

Protective Custom Choice UL 25, policy form UL-22, is a universal life insurance policy issued by Protective Life Insurance Company, Birmingham, AL. Custom Choice UL can be purchased as an alternative to Term Life Insurance; the policy face amount will remain level for the first twenty-five policy years, decreasing thereafter (subject to a $10,000 minimum). At the end of the first 25-year period, secondary guarantees have been designed to provide coverage with scheduled, annually decreasing face amounts (subject to a $10,000 minimum). The insured has the option to exchange the then current face amount, evidence free, to a level face amount UL policy within the earlier of the first twenty policy years or to age 70. Re-applying for a new Custom Choice UL policy will require evidence of insurability which may include a medical examination. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. Guarantees are subject to the claims paying ability of Protective Life Insurance Company. Policy form numbers, product features and availability may vary by state. Premiums shown are approximate and subject to verification by the insurance carrier.

William Penn Life Insurance Company of New York – Term 25-Year

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream NY. William Penn products are available exclusively in NY. Banner does not solicit business in NY. OPTerm policy form # DTCV21-NY. Two-year contestability and suicide provisions apply. The William Penn life insurance premiums quoted here are based on the information provided for this quote. Two-year contestability and suicide provisions apply. 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 25 issue ages are 20-58 for non-tobacco classes and 20-55 for tobacco classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000-$1,499,999, $1,500,000-$2,499,999, $2,500,000-$5,000,000, $5,000,001 and above. Premiums quoted include $80 annual policy fee. Premiums are guaranteed to stay level for 25 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 25 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. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of William Penn Life Insurance Company of New York. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 5/4/2023. Compliance # CN03162023-11.