Carrier Disclosures

SBLI

We currently offer products from The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA. Centrian Life Insurance is a registered trade name and Connecticut d/b/a of The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA. Policy Form Series #B-56. Rider Form Series #18-R-AXRDB, 21-P-SIT, 21-P-SITE, 18-R-AXRDB, BN-8, 19-R-CaGCLTI, 21-R-CGB, 21-P-PWL, 21-P-PSPWL. Rider Form Series: BC-40.1, 18-R-AXRDB, BN-8, BN-, BN-50, BN-56, 14-WOPR Dividends are not guaranteed. They are declared annually by SBLI’s Board of Directors. All guarantees are subject to the claims-paying ability and strength of the issuing insurance company. Licensed in 49 states and DC (excludes NY). Products and features may not be available in all states. Licensed in 49 states and DC (excludes NY). Products and features may not be available in all states. SBLI is in no way affiliated with SBLI USA Life Insurance Company, Inc. SBLI USA Life Insurance Company, Inc

Assurity

We currently offer products from Assurity, the marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Policy Form No. I H2011 and if made available, associated Form Nos. R I2005, R I2007, R I2008, R I2009, R I2012, R I2013 underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. This policy may contain reductions of benefits, limitations and exclusions. Click here for standard Limitations and Exclusions. Product availability, features, rates, limitations and exclusions may vary by state. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. The state specific policy form is the ultimate authority for any questions about this product. Assurity reserves the right to order, at the company's expense, evidence of insurability which the company feels is necessary for the prudent evaluation of the risk.

Aetna

Our Simplified Issue Final Expense is issued by the Accendo® Insurance Company, part of the CVS Health® family of companies and Aetna® affiliate. Policy administrated by Aetna® Life Insurance Company and its affiliates. Plans may vary by state and may not be available in all states. Form Series ACCFE05984.

AIG

Policies issued by American General Life Insurance Company (AGL), Houston, TX. Policy Forms: ICC21-20532 Rev0621, 20532, 20532-35, 20532-5, and 20532-10 Rev0621. Rider Numbers: ICC15-15200, 15200, 15200-7, 15200-10, 15200-35, ICC15-15201, 15201, 15201-7, 15201-9, 15201-10, and 15201-35. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. Products may not be available in all states and product features may vary by state.

L&G

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, Maryland and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner products are distributed in 49 states and in DC. William Penn products are available exclusively in New York; Banner does not solicit business there. The Legal & General America companies are part of the worldwide Legal & General Group. OPTerm policy form # ICC21-DTCV and state variations. In New York, OPTerm policy form # DTCV21-NY. 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. For broker use only. Not for public distribution.

Mutual of Omaha

Life Insurance and annuities are underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is licensed nationwide except in New York and does not solicit business in New York. In New York, Companion Life Insurance Company, 425 Broadhollow Road, Second Floor, Melville, NY 11747, underwrites life insurance and annuities. Policy Form 50AD-23949 or state equivalent. In FL, 50AD-23954; In ID, 50AD-23991; In NC, 50AD-23955; In NY, 50AD-23980; In OK, 50AD-23972; In OR, 50AD-23987; In PA, 50AD-23965; In TX, 50AD-23952; In WA, 50AD-23979.

Protective

Protective Classic Choice (TL-21) is a term life insurance policy issued by Protective Life Insurance Company, located in Nashville, TN. Protective Classic Choice term, policy form number TL-21-NY 4-16, is a level death benefit term life insurance policy to age 90, issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Policy form numbers, product features and availability may vary by state. Consult policies for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age of sex. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life and Annuity Insurance Company. Protective is a registered trademark and Protective Classic Choice term is a trademark of Protective Life and Annuity Insurance Company.

Prudential

Term Essential (PLTIC-2019 or ICC19 PLTIC-2019) is issued by Pruco Life Insurance Company in all states except New York, where they are issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. The contract numbers may be followed by a state code. Not available in all states. The form number for the Accidental Death Benefit is TB 113-2000; the Waiver of Premium is TB 100-2000; and the Children's Protection Rider is TB 182-2000.

Pacific Life

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.Life insurance is subject to underwriting and approval of the application. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Pacific Life Insurance Company's Home Office is located in Newport Beach, CA.