Legal and general American life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company in New York, Garden City, NY. Banner products are distributed in 49 states and DC. Banner does not solicit business in New York. Policy module OPTerm # RT-97 and status changes. The two-year contestability and suicide provisions apply. The Banner term life insurance premiums mentioned 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 account workplace risks or other reasons. Approval and actual rewards will be based on the entire subscription process, including, without limitation, the information provided on the application, exam results and specific subscription requirements and criteria. The emission ages of OPTerm 10 are 20-75 for all classes. Reward rates vary based on coverage amount: $ 100,000- $ 249,999, $ 250,000- $ 499,999, $ 500,000- $ 999,999, $ 1,000,000 and above. The prizes shown include an annual commission of $ 60. The prizes are guaranteed to remain unaltered for 10 years and increase each year after the initial warranty period. OPTerm policies can be issued in the preferred classes plus non-tobacco, preferably non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco. The expiring OPTerm 10 policies can be issued through Table 12, at the discretion of the subscription. Coverage can be renewed for up to 95 years. Policies can be returned without obligation within 30 days of receipt in most states. Rates on 4-20-2015. Florida services provided by Charan J. Singh, authorized agent. Advertising # 15-163.