Disclosures

Tiburon Insurance Services is an independent organization and affiliated with SelectQuote Insurance Services. Tiburon Insurance Services is authorized to sell and service certain life insurance products.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx

Policies issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. AGL is responsible for financial obligations of insurance products and is a wholly owned subsidiary of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by AGL. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state.

TruStage® Insurance products and programs are made available through TruStage Financial Group, Inc. Life insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution.

John- 35, Excellent health, a 10-year, $500,000 policy for only $19 a month. Premium is based on the assumption of great health and a preferred plus rating. 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. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form # ICC18-OPTC 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 20-75 all classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $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 08-11-20.

10-year, $500,000 policy for $19/month: Example rate is lowest available rate from SelectQuote carriers for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year policy at $18.37/mo in April 2021. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Life insurance for less than $1/day: It’s normal to think a $500,000 life insurance policy would cost a fortune, but with SelectQuote, you may be able to find substantial coverage at an affordable rate.

$1/day claim based on rate from one of SelectQuote’s carrier partners for $500,000 10-year term policy for a 45 year-old female in excellent health for $24.21/month (290.52/year). Rates effective as of 8/2021. Final rates based on insurance company’s underwriting and a complete review of consumer’s health. Savings may also vary by term, policy amount, and state.

Life insurance for less than $1/day: $1/day claim based on rate from one of SelectQuote’s carrier partners for $500,000 10-year term policy for a 45 year-old male in excellent health for $28.10/month (337.20/year). Rates effective as of 8/2021. Final rates based on insurance company’s underwriting and a complete review of consumer’s health. Savings may also vary by term, policy amount, and state.

Save 50 percent or more on Life Insurance by shopping with SelectQuote: 50% or more savings are estimated by comparing the highest and lowest prices of policies available through SelectQuote in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the SelectQuote team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Save nearly $500/year on Life Insurance: Female rate: 10-year, $500,000 policy for only 12/month Male rate (with high blood pressure): 10-year, $500,000 policy for only $19/month
Claim based on published rates from a National Carrier as of October 2021 for a 35-year-old female in excellent health for a $500,000 10-year term policy for 22.64/month compared to the lowest available rate from one of the insurance companies SelectQuote represents of 11.96/month.

Claim is also based on published rates from a National Carrier as of October 2021 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for 49.14/month compared to the lowest available rate from one of the insurance companies SelectQuote represents of 18.37/month.

Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Life insurance for less than $1/day:

$500,000 Coverage \| 10 Year Term
Age	Male	Female
45	$28.10/month	$24.21/month
35	$12.32/month	$14.16/month

Table rates are based on 10-year, 15-year, 20-year, 25-year, and 30-year term policies for men and women in excellent health from one or more of the trusted companies we represent. 10-year term rates were pulled on 8/2021 and other rates were pulled on 5/2021. Your price could vary depending on your health, issuing company and other factors. Not available in all states.

$500,000 Coverage \| 10 Year Term
Age	Male	Female
45	$28.12/month	$24.20/month
50	$40.77/month	$33.95/month

Table rates are lowest available rates from insurance companies SelectQuote represents for a 45-year-old male in excellent health for a $500,000 10-year policy at $27.62/mo ($324.99/year) in December 2021, 45-year-old female in excellent health for a $500,000 10-year policy at $24.18/mo ($284.50/year) in December 2021, 50-year-old male in excellent health for a $500,000 10-year policy at $40.75/mo ($479.35/year) in December 2021, and a 50-year-old female in excellent health for a $500,000 10-year policy at $33.10/mo ($384.93/year) in December 2021. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Rates may also vary by term, policy amount, and state.

Half a million in life insurance coverage for less than $1/day: $1/day claim based on rate from one of SelectQuote’s carrier partners for $500,000 10-year term policy for a 45 year-old female in excellent health for $24.21/month (290.52/year). Rates effective as of 8/2021. Final rates based on insurance company’s underwriting and a complete review of consumer’s health. Savings may also vary by term, policy amount, and state.

$1 million in coverage for less than $2/day: $2/day claim based on rate from one of SelectQuote’s carrier partners for $1,000,000 10-year term policy for a 45 year-old female in excellent health for $41.04/month (492.48/year). Rates effective as of 8/2021. Final rates based on insurance company’s underwriting and a complete review of consumer’s health. Savings may also vary by term, policy amount, and state.

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