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Source: https://bequestmutual.com/feed

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<title>Protected: Mock up</title>
<link>https://bequestmutual.com/mock-up</link>
<comments>https://bequestmutual.com/mock-up#respond</comments>
<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Tue, 04 Jul 2023 18:54:21 +0000</pubDate>
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<title>James P. Tobin</title>
<link>https://bequestmutual.com/james-p-tobin</link>
<comments>https://bequestmutual.com/james-p-tobin#respond</comments>
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<pubDate>Wed, 21 Jun 2023 20:58:17 +0000</pubDate>
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<pubDate>Fri, 02 Dec 2022 16:57:57 +0000</pubDate>
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<pubDate>Sun, 04 Sep 2022 16:52:02 +0000</pubDate>
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<title>Get Started</title>
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<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Fri, 29 Apr 2022 15:32:23 +0000</pubDate>
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<description><![CDATA[Let's Get Started Congratulations on taking the first steps to protecting your family. Using the quote tool in combination with our underwriting questionnaire and F.A.Q.'s, you should be able to get a good idea of what you want and what fits your budget. Simply fill out the quote form and you will be prompted to an […]]]></description>
<content:encoded><![CDATA[<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-180761c1a0c"><h1 class="" style="text-align: center;" data-css="tve-u-18539be0ff4"><strong>Let's Get Started</strong></h1></div><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:729; --tve-border-width:0px; border: none;" data-css="tve-u-180760d95b1"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2 tcb-medium-no-wrap tcb-mobile-wrap m-edit tcb-row-reversed-mobile" style="" data-css="tve-u-180760e3a14"><div class="tcb-flex-col c-33" data-css="tve-u-180760d0494" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad" data-css="tve-u-18075fbed3e">
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<title>American National Life Insurance Review 2023</title>
<link>https://bequestmutual.com/american-national-life-insurance-review-2023</link>
<comments>https://bequestmutual.com/american-national-life-insurance-review-2023#respond</comments>
<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Sat, 19 Feb 2022 18:37:59 +0000</pubDate>
<category><![CDATA[Carrier Reviews]]></category>
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<description><![CDATA[American National Life Insurance Review 2023By James Tobin, CFP Reviewed by Jim Tobin, CFP®As seen inWhy You Can Have Confidence In This ResourceAt Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not […]]]></description>
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<div class="tve-cb" style=""><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:622.578;" data-css="tve-u-17f56a87f88"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2" data-css="tve-u-17f56a87f8e" style=""><div class="tcb-flex-col" data-css="tve-u-17f56a87f81" style=""><div class="tcb-col" data-css="tve-u-18538a2cb0f" style=""><div class="thrv_wrapper tve_image_caption img_style_circle" data-css="tve-u-17f56a87f8b" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image tcb-moved-image wp-image-180" alt="" data-id="180" width="81" data-init-width="69" height="95" data-init-height="81" title="Jim-Tobin-promo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/Jim-Tobin-promo.jpg" data-width="81" data-height="95" data-css="tve-u-17f094ee51e" style=""></span></div><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f56a87f85" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f56a87f84" style="font-size: 14px; --tcb-applied-color:rgb(24, 25, 27) !important;">Reviewed by </span></p><p data-css="tve-u-17f56a87f85" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f56a87f84" style="font-size: 14px; --tcb-applied-color:rgb(24, 25, 27) !important;">Jim Tobin, CFP®</span></p><p data-css="tve-u-17f56a87f8c" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-171f4e642ce" style="--tcb-applied-color:rgb(24, 25, 27) !important;">As seen in</span></p></div><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f56a87f89" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-181" alt="" data-id="181" width="128" data-init-width="694" height="266" data-init-height="266" title="press logo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/press-logo.jpg" data-width="128" data-css="tve-u-17f094f18a9" style=""></span></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f56a87f83" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f56a87f8d" style=""><h1 class="" style="" data-css="tve-u-1853dbd57a7">Why You Can Have Confidence In This Resource</h1><p data-css="tve-u-17f56a87f87" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">At Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. The views expressed are solely those of Bequest Mutual.</p></div></div></div></div></div></div>
</div><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-17f51080b55"><p style="" data-css="tve-u-185392d7495"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74dc">American National Insurance Company offers term, whole, universal, and universal index life insurance policies, and it provides multiple riders to tailor your coverage. Most plans are fully underwritten, but some companies require a medical exam before issuing a policy.</span></p><p style="" data-css="tve-u-185392d7498"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74dd">To help you decide whether American National is the best choice for you, we reviewed their policies, riders, pricing, industry ratings, and customer service.</span></p><h3 class="" style="" data-css="tve-u-185392d7499"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74de">Company Overview</span></strong></h3><p style="" data-css="tve-u-185392d749b"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e0">American National is headquartered near Houston, Texas, and sells life insurance under American Natural but also subsidiaries like American National Mutual Insurance Company, Standard Life Insurance Company, and Accident Insurance Company.</span></p><p style="" data-css="tve-u-185392d749c"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e1">According to the company's annual report, in 2019, the company had $129.4 billion in total insurance in force and earned $470.8 million in net income.1 Policy is sold over the phone, and the company is rated AA+ by AM Best for financial stability.</span></p><p style="" data-css="tve-u-185392d749d"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e2">It is licensed in all 50 states, including Washington D.C., American Samoa, and Puerto Rico. However, not all policies are available in every state.</span></p><h3 class="" style="" data-css="tve-u-185392d749f"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e3">Available Plans </span></strong></h3><p style="" data-css="tve-u-185392d74a0"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e5">American National offers universal index, term, and whole life insurance policies.</span></p><h4 class="" style="" data-css="tve-u-185392d74a1"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e6">Term Life Insurance</span></strong></h4><p style="" data-css="tve-u-185392d74a3"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e7">American National offers fixed premiums and level payouts for life insurance with renewable terms and term lengths of 5 years, ten years, 15 years, 20 years, and 30 years. You can convert to permanent policies if you decide you want a policy that will not expire.</span></p><p style="" data-css="tve-u-185392d74a4"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74e8">If you want to pay out your death benefits early, you can add a terminal illness clause to your term life insurance policy.</span></p><h4 class="" style="" data-css="tve-u-185392d74a5"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74ea">Whole Life Insurance</span></strong></h4><p style="" data-css="tve-u-185392d74a6"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74eb">American National offers whole-life insurance coverage with a guaranteed benefit. Its whole life policies are priced at a fixed premium that remains the same throughout the life of your policy, regardless of how long you own it. You can choose a participating whole life policy, and if you do so, you can also choose to receive regular dividends from the company. These dividends allow you to build up cash value in your policy and access income in retirement or over the life span of your policy.</span></p><h4 class="" style="" data-css="tve-u-185392d74a8"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74ec">Universal Life Insurance</span></strong></h4><p style="" data-css="tve-u-185392d74a9"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74ee">American National's s universal life coverage is a type of permanent life insurance policy that gives you more flexibility than their whole life coverage. You can choose flexible premium rates and payouts for your procedure, allowing you to adjust the amount you pay into the policy depending on whether you want a cash value or death benefit.</span></p><p style="" data-css="tve-u-185392d74aa"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74ef">You can also use your universal life insurance policy to borrow against it and customize your plan by including riders in your coverage.</span></p><p style="" data-css="tve-u-185392d74ac"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f0">Universal life policies are Indexed to interest rates and provide detailed information on the terms of each policy at the time of issue.</span></p><h4 class="" style="" data-css="tve-u-185392d74ad"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f2">Indexed Universal Life Insurance</span></strong></h4><p style="" data-css="tve-u-185392d74af"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f3">American National Life Insurance Company's indexed universal life insurance is different from its universal life insurance policy because its growth is tied to an index like the S&P 500 rather than to a specific asset class. Indexed universal life insurance policies allow you to choose flexible premiums and death payouts depending on your desire to grow your policy's cash value and ability to pay.</span></p><p style="" data-css="tve-u-185392d74b1"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f4">You can also use your insurance to help you pay for an unexpected expense, and American Nat'l offers riders to customize your coverage.</span></p><h4 class="" style="" data-css="tve-u-185392d74b2"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f5">Guaranteed Universal Life Insurance</span></strong></h4><p style="" data-css="tve-u-185392d74b3"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f7">American National offers a guaranteed plan that they call a "guaranteed" plan but is not an ordinary guaranteed-issue life insurance policy requiring no medical exam. Instead, this policy offers a guaranteed death benefit for your entire life or until you can choose from a specified age. You can purchase a "cash-out" rider that lets you cash out your full policy if you no longer need it and want access to your money.</span></p><h3 class="" style="" data-css="tve-u-185392d74b5"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f8">Available Riders</span></strong></h3><p style="" data-css="tve-u-185392d74b6"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74f9">Several policy riders are offered by American National life insurance, including: </span></p><ul class=""><li style="" data-css="tve-u-185392d74b7"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74fb">Child Life Insurance Rider: This rider provides the option to purchase additional coverage for your children to your policy.</span></li><li style="" data-css="tve-u-185392d74b8"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74fc">Cash-out rider (or CORS): This rider allows you to cash out your policy if you no longer need it.</span></li><li style="" data-css="tve-u-185392d74ba"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74fd">Early Access to Death Benefit Rider: This rider allows you to get early access to your death benefit if you're diagnosed with a terminal illness.</span></li><li style="" data-css="tve-u-185392d74bb"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d74fe">Additional coverage options: These riders can offer you other coverage options.</span></li><li style="" data-css="tve-u-185392d74bc"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7500"> Accidental Death Benefit Rider (ADB)</span></li><li style="" data-css="tve-u-185392d74be"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7501"> This rider will double your benefit in case of accidental death.</span></li><li style="" data-css="tve-u-185392d74bf"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7502">Rider waiver of premium: This rider ensures that your premiums will be covered if you become disabled.</span></li></ul><p style="" data-css="tve-u-185392d74c0"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7504">Some riders may not be eligible for some policies, and they are not guaranteed issues and may require a medical exam.</span></p><p style="" data-css="tve-u-185392d74c2"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7505">Riders are a cost-effective way to increase your life insurance coverage.</span></p><h3 class="" style="" data-css="tve-u-185392d74c3"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7506">Customer Service: Options for Phone, Email, and Online </span></strong></h3><p style="" data-css="tve-u-185392d74c4"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7508">American National has customer support lines for its policy service and claims service. You can call <a class="sw-phone" title="Call with Dialpad" target="_blank" href="https://dialpad.com/launch/?phone=800-899-6860" style="outline: none;" rel="noopener">800-899-6860</a> to pay your bills Monday through Friday, 7 am to 6 pm CT, or find out about its policies. Call <a class="sw-phone" title="Call with Dialpad" target="_blank" href="https://dialpad.com/launch/?phone=800-615-7372" rel="noopener">800-615-7372</a> for assistance with a claim Monday through Friday between 8:00 a. m. and 5:00 p. m. CT.</span></p><p style="" data-css="tve-u-185392d74c5"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7509">You can also access the online portal, online forms, and the option to email claims and ask policy questions through a mobile app.</span></p><h3 class="" style="" data-css="tve-u-185392d74c7"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d750a">Customer Satisfaction: Fewer Complaints Than Average </span></strong></h3><p style="" data-css="tve-u-185392d74c8"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d750b">The NAIC rates insurance companies so consumers can compare them. A company with an average number of complaints has a rating of 1. A company that receives less than one has fewer complaints, and a score more excellent than one has more complaints.</span></p><p style="" data-css="tve-u-185392d74c9"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d750d">American National Insurance Company has an NAIC complaint rate of 0.49, meaning it receives fewer complaints than most insurance companies. They have a 0.04% market share of the national complaint market share. Financial Strength: A (Excellent)</span></p><p style="" data-css="tve-u-185392d74cb"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d750e">AM Best offers its customers ratings of companies to help consumers determine which companies are financially strong relative to others. It analyzes factors including a company's revenue, sales, forecast, past performance, and financial health to determine how financially healthy they are and how likely they are to meet their future financial obligations.</span></p><p style="" data-css="tve-u-185392d74cc"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d750f">American National is rated A (Excellent) by AM Best rating service. </span></p><h3 class="" style="" data-css="tve-u-185392d74cd"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7511">Cancellation Policy</span></strong></h3><p style="" data-css="tve-u-185392d74ce"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7512">You are given at least ten days to cancel your life insurance policy by law. You can get a full refund of the premium you paid for the policy. And if you decide to keep the policy after ten days, you won't have to pay any cancellation fee.</span></p><p style="" data-css="tve-u-185392d74d0"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7513">Before buying an American Insurance policy, check out its cancellation policies and fees involved.</span></p><p style="" data-css="tve-u-185392d74d1"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7514">When you purchase permanent life insurance, you may need to fill out a surrender (cancellation) form when canceling. If you surrender your policy, American National will calculate how much the surrender value of your policy is and pay you that amount when you cancel.</span></p><h3 class="" style="" data-css="tve-u-185392d74d2"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7516">Price Of American National Life Insurance Term Life Insurance</span></strong></h3><p style="" data-css="tve-u-185392d74d4"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7517">Depending on the type and level of coverage you buy, what riders (additional benefits) you choose, your age and gender, smoking history, general health, and other factors, the cost of a life insurance policy through American National Life Insurance Company may vary significantly.</span></p><h3 class="" style="" data-css="tve-u-185392d74d5"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d7518"> </span></h3><h3 class="" style="" data-css="tve-u-185392d74d6"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-185392d751a">Final Verdict</span></strong></h3><p style="" data-css="tve-u-185392d74d8"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d751b">American National Insurance Company is one of the few significant property and casualty insurers that also offers a wide range of life insurance products that it underwrites. The company provides a variety of policies, coverage amounts, and rider options to ensure that you can find the perfect policy for you. You can work with a broker to get coverage for your car, your home, and your family's future, making it easy to get all your significant policies.</span></p><p style="" data-css="tve-u-185392d74d9"><span data-preserver-spaces="true" style="" data-css="tve-u-185392d751c">American National also offers various customer service options and claims submission options to make submitting a complaint easier. The company has an AA+ rating from Moody's Investors Service, and its National Association of Insurance Commissioners (NAIC) complaint index is much lower than the national average. American National Life Insurance Company is an excellent place to find life insurance coverage options and possibly find one right for you.</span></p></div></div></div></div></div><div class="tcb_flag" style="display: none"></div>
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<title>North American (Sammons) Life Insurance Review 2023</title>
<link>https://bequestmutual.com/north-american-sammons-life-insurance-review-2023</link>
<comments>https://bequestmutual.com/north-american-sammons-life-insurance-review-2023#respond</comments>
<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Fri, 18 Feb 2022 16:30:14 +0000</pubDate>
<category><![CDATA[Carrier Reviews]]></category>
<guid isPermaLink="false">https://bequestmutual.com/?p=226</guid>
<description><![CDATA[North American (Sammons) Life Insurance At A GlancePolicy Options:Term, Universal Life, Indexed UL Term Lengths:10,15,20,30 Riders:Available Ratings:A+ A.M. Best States:Unavailable in NY Pricing:Competitive Customer Service:(877) 872-0757 Issue Age:18-74 Min. Coverage:100K No Exam Option:Yes DisclosureBequest Mutual is not in any way affiliated with North American. This article is our review of the term life insurance products […]]]></description>
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<div class="tve-cb"><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:1476;" data-css="tve-u-17f0dacd9e0"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2"><div class="tcb-flex-col" data-css="tve-u-17f0dacd9dd" style=""><div class="tcb-col" data-css="tve-u-18537ba467c" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0dacd9e1" style=""><h1 class="" style="text-align: left;" data-css="tve-u-18539ef2df7"><strong>North American (Sammons) Life Insurance At A Glance</strong></h1></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f0dacd9de" style=""><div class="tcb-col" data-css="tve-u-185394d6468" style=""><div class="tcb-clear" data-css="tve-u-18549933e08"><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f0dacd9db" style="--tve-border-radius:5px; border-radius: 5px; overflow: hidden;"><span class="tve_image_frame" style=""><img decoding="async" class="tve_image tcb-moved-image wp-image-12023" alt="" data-id="12023" width="350" data-init-width="640" height="197" data-init-height="360" title="NAC" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/12/NAC.png" data-width="350" data-css="tve-u-1854c4c153d" style="" mt-d="-0.07899999999997931" ml-d="-1.6410000000000196" data-height="197"></span></div></div></div></div></div></div><div class="thrv_wrapper thrv_table tcb-fixed" data-ct-name="Blank Table" data-ct="table--1" data-element-name="Table" data-css="tve-u-17f0dacd9e2"><table data-rows="10" data-cols="2" class="tve_table tcb-fixed tve_no_inner_border tve_table_flat" data-css="tve-u-17f0dacd9da"><thead><tr class="tve_table_row"><th class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-185385af00f" style=""><p data-css="tve-u-17f095d3c98" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Policy Options:</strong></p></div></th><th class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095aed2d" style=""><p data-css="tve-u-17f095aed02" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Term, Universal Life, Indexed UL</p></div></th></tr></thead><tbody><tr class="tve_table_row"><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Term Lengths:</strong></p></div></td><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">10,15,20,30</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Riders:</strong></p></div></td><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">Available</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Ratings:</strong></p></div></td><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">A+ A.M. Best</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>States:</strong></p></div></td><td class="tve_table_cell" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">Unavailable in NY</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Pricing:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">Competitive</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Customer Service:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;"><a class="sw-phone" title="Call with Dialpad" target="_blank" href="https://dialpad.com/launch/?phone=(877)%20872-0757" style="outline: none;" rel="noopener">(877) 872-0757</a></p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Issue Age:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">18-74</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>Min. Coverage:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">100K</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style=""><strong>No Exam Option:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left;">Yes</p></div></td></tr></tbody></table></div></div>
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<div class="tve-cb"><div class="thrv_wrapper thrv_text_element tcb-local-vars-root" style="--tve-border-width:2px; border: 2px solid rgb(255, 255, 255) !important;" data-css="tve-u-18539598e15"><p data-css="tve-u-17f0daf3f70" style="color: rgb(255, 255, 255) !important; --tcb-applied-color:rgb(255, 255, 255) !important;"><strong><span data-css="tve-u-18537c0349a" style="text-decoration: underline; --tcb-applied-color:rgb(255, 255, 255) !important;">Disclosure</span></strong></p><p data-css="tve-u-17f0daf3f72" style="color: rgb(255, 255, 255) !important; --tcb-applied-color:rgb(255, 255, 255) !important;"><em><span data-css="tve-u-18537c0349c" style="--tcb-applied-color:rgb(255, 255, 255) !important;"><span data-css="tve-u-18537c034a1" style="--tcb-applied-color:rgb(255, 255, 255) !important;">Bequest Mutual is not in any way affiliated with North American. This article is our review of the term life insurance products offered through Lincoln Financial as well as alternatives.</span><strong><span style="--tcb-applied-color:rgb(255, 255, 255) !important;" data-css="tve-u-1853d8b5310"><span style="--tcb-applied-color:rgb(255, 255, 255) !important;" data-css="tve-u-1853d8b5313"> If you are need to contact North American directly, call </span></span></strong></span></em><em><span data-css="tve-u-18537c0349c" style="--tcb-applied-color:rgb(255, 255, 255) !important;"><strong><span data-css="tve-u-1853d8b5310" style="--tcb-applied-color:rgb(255, 255, 255) !important;"><span style="color: rgb(255, 255, 255);" data-css="tve-u-1853d8b5315"><span style="font-size: 21px;" data-css="tve-u-1853d8cce71">1-</span><em><span data-css="tve-u-18537c034a5" style="--tcb-applied-color:rgb(255, 255, 255) !important;"><a class="sw-phone" href="https://dialpad.com/launch/?phone=877-275-5462" style="outline: none;" target="_blank" title="Call with Dialpad" data-css="tve-u-1853d8bd90c" rel="noopener"><span style="font-size: 21px;" data-css="tve-u-1853d8cce74">877-275-5462</span></a></span></em></span></span></strong></span></em></p></div></div>
</div><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:1476;"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2"><div class="tcb-flex-col c-33" data-css="tve-u-1859d61d140" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad" data-css="tve-u-1859d625d9a" data-tve-scroll="{"disabled":[],"top":0,"mode":"sticky","end":"element","el_id":"bottom_section"}">
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<div class="tve-cb"><div class="thrv_wrapper thrv_custom_html_shortcode"><code class="tve_js_placeholder"><script type="text/javascript" async="" name="laalfjt" src="https://www.glixquoter.com/quotes/frame?F_JT=0-p0wy2d9&stamp=1673382944"></script></code></div></div>
</div></div></div><div class="tcb-flex-col c-66" data-css="tve-u-1859d602f20" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element"><p><span style="--tcb-applied-color: rgb(106, 107, 108) !important; color: rgb(24, 25, 27);">A non-med life insurance product called LifeVueTerm (now Write Away), developed by the North American Life Insurance Company (NALI), is now available to the public.<br><br>While North American Life Vue offers superb no exam life insurance policies, it's essential to be knowledgeable about the elements of their product before purchasing. There is no one size fits all approach to buying life insurance.</span></p></div><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad" data-css="tve-u-1853da66420">
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<div class="tve-cb" style=""><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:978.25;" data-css="tve-u-17f0dc66e73"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2" data-css="tve-u-17f0dc66e78" style=""><div class="tcb-flex-col" data-css="tve-u-17f0dc66e6c" style=""><div class="tcb-col" data-css="tve-u-18538843270" style=""><div class="thrv_wrapper tve_image_caption img_style_circle" data-css="tve-u-17f0dc66e75" style=""><span class="tve_image_frame" style=""><img decoding="async" class="tve_image tcb-moved-image wp-image-180" alt="" data-id="180" width="81" data-init-width="69" height="95" data-init-height="81" title="Jim-Tobin-promo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/Jim-Tobin-promo.jpg" data-width="81" data-css="tve-u-185386f5f52" style="" mt-d="-1.9062000000000126" ml-d="0" data-height="95"></span></div><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d934bf8"><p data-css="tve-u-17f0dc66e6f" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-18539513d92" style="font-size: 14px; --tcb-applied-color:rgb(24, 25, 27) !important;">Reviewed by </span></p><p data-css="tve-u-17f0dc66e6f" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc66e6e" style="font-size: 14px; --tcb-applied-color:rgb(24, 25, 27) !important;">Jim Tobin, CFP®</span></p><p data-css="tve-u-17f0dc66e76" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-171f4e642ce" style="--tcb-applied-color:rgb(24, 25, 27) !important;">As seen in</span></p></div><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f0dc66e74" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-181" alt="" data-id="181" width="128" data-init-width="694" height="266" data-init-height="266" title="press logo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/press-logo.jpg" data-width="128" data-css="tve-u-17f094f18a9" style=""></span></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f0dc66e6d" style=""><div class="tcb-col"><div class="tcb-clear" data-css="tve-u-1853865e06f"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0dc66e77" style=""><h4 class="" data-css="tve-u-17f0dc66e70" style="text-align: left;">Why You Can Have Confidence In This Resource</h4><p data-css="tve-u-17f0dc66e71" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">At Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. The views expressed are solely those of Bequest Mutual.</p></div></div></div></div></div></div></div>
</div><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d93783f"><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Each life insurance company has its unique policy features and uses its special underwriting procedures. You'll need to know these details before applying for coverage.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Objective:</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> To review the North American no-exam life insurance policies and see if they're a good fit for your current situation.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American Life Insurance Company, founded in 1886, is located in Chicago, Illinois. and has offices throughout the Midwest. They have one of the most substantial financial ratings and excellent customer service.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Financial Strength Rating</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">:</span></p></div><div class="thrv_wrapper thrv_table tcb-fixed tcb-mobile-table" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f0e2ab4d9" style=""><table data-rows="5" data-cols="2" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f0e2ab4d8" data-v="middle" style=""><thead data-css="tve-u-17f0e2ab4da"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-17f084c2f3c" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f3d" style=""><p data-css="tve-u-17f0e2ab4dd"><strong> Agency</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f084c2f3f" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d93b083" style=""><p data-css="tve-u-17f0e2ab4de"><strong>Rating</strong></p></div></th></tr></thead><tbody data-css="tve-u-17f0e2ab4dc"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e2ab4e5" data-th=" Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A.M. Best</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e2ab4ea" data-th="Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A+</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e2ab4e6" data-th=" Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Fitch Ratings</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e2ab4eb" data-th="Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A+</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e2ab4e7" data-th=" Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">standard & Poors</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e2ab4ec" data-th="Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A+</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e2ab4e9" data-th=" Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">COMDEX</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e2ab4ed" data-th="Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49" style=""><p data-css="tve-u-17f0e2ab4df" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">89</p></div></td></tr></tbody></table></div><div class="thrv_wrapper thrv_text_element" style="--tve-border-width:0px; border: none !important;" data-css="tve-u-17f0e2a0c21"><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Part of the Sammons Financial Group, Inc. (SFG), North American Life and Health is a premier life insurance carrier. Sammons, an insurance holding company, offers a diverse portfolio of financial products, including life insurance, annuities; variable annuities; and securities. The company has more than </span><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">$100 billion</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> in assets under management, and it's one of the largest asset managers in the world.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Like North American, which has an A+ financial strength rating by A.M. Best., Sammons has a solid financial position.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American Life Insurance Co. is privately owned, so they don't participate in the stock market either.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">At the beginning of the 20th century, A.E. Forrest bought the company for just $2000 and appointed its first general agent.</span></p><h2 class="" data-css="tve-u-17f0dc73432" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc73434" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American Write Away Overview</span></h2><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">A new program called Write Away allows healthy individuals to skip their medical exams.</span></p><h3 class="" data-css="tve-u-17f0dc74d4b" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc74d4f" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Sammons family of financial services, Notable Features</span></h3><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Decision on applications within 72 hours</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">No labs required </span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">The simple online application process</span></li></ul><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American underwriting uses an accelerated approach. Not an actual no-exam product, this underwriting means that clients must qualify for the Write Away program.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Requirements </span></p><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Ages 18 – 60</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Coverage up to $1,000,000</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">No significant medical or non-medical impairments; for example, no:</span><ul><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Cancer</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">HIV</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Drug and Alcohol Treatment</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Bankruptcy</span></li></ul></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Multiple health classes, including </span><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">tobacco</span><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"></span></li></ul><p data-css="tve-u-17f0e5ed2d8" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f0e5ed2da"></span><span data-css="tve-u-17f0e5ed2dc" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Pricing</span></p><p data-css="tve-u-17f0e330c74" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0e32dbbe" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American is generally a competitive carrier for people in good to excellent health. Take a look at the comparison chart below:</span></p><p data-css="tve-u-17f0e330c74" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-css="tve-u-17f0e32dbbe" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">$500,000 of 20 year term <strong>preferred rates</strong> for men and women aged 50.</span></strong></p></div><div class="thrv_wrapper thrv_table tcb-fixed tcb-mobile-table" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f0e3638e3" style=""><table data-rows="6" data-cols="5" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f0e3638e2" data-v="middle" style=""><thead data-css="tve-u-17f0e3638e4"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-17f08516eae" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516eaf" style=""><p data-css="tve-u-17f0e3638e7"><strong>Company</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f08516eb1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d953c80" style=""><p data-css="tve-u-17f0e3638e8"><strong>Coverage</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f08516eb3" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d953c82" style=""><p data-css="tve-u-17f0e3638e9"><strong>Product</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f08516eb5" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d953c85" style=""><p data-css="tve-u-17f0e3638ea"><strong>Male Rate</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f08516eb5" style="" colspan="1" rowspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853d953c88" style=""> <p data-css="tve-u-17f0e5be7b0">Female Rate</p></div></th></tr></thead><tbody data-css="tve-u-17f0e3638e5"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e3638f8" data-th="Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">North American</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e3638fd" data-th="Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">500K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363901" data-th="Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">Essential 20</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e5d36ba" data-th="Male Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">$92</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363905" data-th=" Female Rate" style="" colspan="1" rowspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$70</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e3638fa" data-th="Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">Banner</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e3638fe" data-th="Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">500K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363902" data-th="Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">OP TERM 20</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e5d36bc" data-th="Male Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">$84</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363906" data-th=" Female Rate" style="" colspan="1" rowspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$65</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e3638fb" data-th="Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">SBLI</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e3638ff" data-th="Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">500K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363903" data-th="Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">Level-20</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e5d36be" data-th="Male Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">$100</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363907" data-th=" Female Rate" style="" colspan="1" rowspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$69</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e36390a" data-th="Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">AIG</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e36390b" data-th="Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">500K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e36390c" data-th="Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">Term- 20</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e5d36c0" data-th="Male Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"><p data-css="tve-u-17f0e3638eb">$88</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e36390d" data-th=" Female Rate" style="" colspan="1" rowspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$65</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0e3638fc" data-th="Company" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">Lincoln</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363900" data-th="Coverage" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$500K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363904" data-th="Product" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">Term Accel 20</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e5d36c2" data-th="Male Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$85</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0e363909" data-th=" Female Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08516ebb"> <p data-css="tve-u-17f0e3638eb">$66</p></div></td></tr></tbody></table></div><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0e2a0c21"><h2 class="" data-css="tve-u-17f0dc763a5" style=""><em><span data-css="tve-u-17f0dc763a8" data-preserver-spaces="true">LifeVue </span></em><span data-css="tve-u-17f0dc763ab" data-preserver-spaces="true">Overview</span></h2><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Here, you'll find some key features to consider when shopping for a no medical exam life insurance policy.</span><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true"> </span></span></span></p><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Policy features may be subject to change at any time. Availability may vary by location.</span></span></span></p><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">The most important aspects to consider when evaluating no-exam life insurance policies include:</span></span></span></p><ol class=""><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Underwriting time– how long you must wait before your application is processed and your life insurance policy becomes active</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Issue Age - the age at which an applicant is willing to be insured by a life insurance company.</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Amount of Coverage – the dollar amount (policy amount) the life insurance company provides</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Life Insurance Company's Term Length – the number of years the policy will be active</span></span></span></li></ol><h3 class="" data-css="tve-u-17f0dc7c153" style=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><em><span data-css="tve-u-17f0dc7880d" data-preserver-spaces="true">LifeVue Stats</span></em></strong></span></span></h3><h4 class="" data-css="tve-u-17f0dc7efcf" style=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc7efd1" data-preserver-spaces="true">Wait Time</span></span></span></h4><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Decisions are usually made quickly, with results occurring within minutes.</span></span></span></p><h4 class="" data-css="tve-u-17f0dc8303c" style=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc8303f" data-preserver-spaces="true">Issue Ages</span></span></span></h4><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Policies are available to applicants between the ages of 18 and 60.</span></span></span></p><h4 class="" data-css="tve-u-17f0dc887f4" style=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc85d2e" data-preserver-spaces="true">Policy Amount</span></span></span></h4><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">LifeVueTerm has policies starting at $50,000 and going up to $500,000 of no exam life insurance.</span></span></span></p><h4 class="" data-css="tve-u-17f0dc8d0f0" style=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0dc8d0f2" data-preserver-spaces="true">Policy Length</span></span></span></h4><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">You can buy a policy for a term of</span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">15-year term</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">20-year term</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">30-year term</span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true"> </span><strong><span data-preserver-spaces="true">Age/Amount restrictions:</span></strong><span data-preserver-spaces="true"> </span><em><span data-preserver-spaces="true">LifeVue </span></em><span data-preserver-spaces="true">imposes limits on the policy amount available, depending on your issue age:</span></span></span></p><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Limits are subject to change based on the carrier's underwriting procedures.</span></span></span></p><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true">Note-</span></strong><span data-preserver-spaces="true"> Limits exist on term length based on your issue age and tobacco use:</span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true"> The 30-year term</span><span data-preserver-spaces="true"> is not available for ages 55 and older</span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Tobacco users</span><span data-preserver-spaces="true"> – Ages 50 and older do not qualify for 30-year terms.</span></span></span></p><h4 class=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true"> Riders</span></span></span></h4><ul class=""><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true">The rider is included with policy purchase</span></strong><span data-preserver-spaces="true">:</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true">ADB or Accelerated Death Benefit</span></em><span data-preserver-spaces="true">: allows the owner of the policy to accelerate the death benefit when the insured becomes terminally ill.</span></span></span><ul><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><br></span></span><ul><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Terminal illness is defined as a life expectancy of 24 months or less.</span></span></span></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Documentation by a licensed physician is required.</span></span></span></li></ul></li><li><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">The maximum accelerated death benefit is 75% of the face amount of coverage.</span></span></span></li></ul></li></ul><h4 class=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">Conversion Options</span></span></span></h4><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">LifeVue policies are convertible to a permanent policy during years 1 – 5 of the policy, without the need to prove insurability.</span></p></div><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0e2a0c21"><p data-css="tve-u-17f0e32dbbc" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0e32dbbe" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"></span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0e2876cd" style="font-size: 28px; --tcb-applied-color:rgb(24, 25, 27) !important;">Applying for LifeVue</span></span></em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> </span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">LifeVue allows people to conduct their life insurance applications over the phone. The phone interview is interactive, and you may receive follow-up questions based on the previous answers. Expect an easy phone call.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">You may get results within 30 minutes. You may be asked questions like:</span></p><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Do you have any medical conditions?</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Have you ever been convicted of a felony, misdemeanor, or DUI?</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">What is your job title?</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Do you receive Social Security Disability Insurance (SSDI) or Worker's Compensation (WC)?</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Do you fly planes as a private pilot? If so, how often?</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Have you been treated for drug or alcohol abuse within the past five years?</span></li></ul><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">If your application is approved for life insurance, you'll be offered one of seven different underwriting classes.</span></p><ol class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Super Preferred Non-Tobacco </span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Preferred Non-Tobacco </span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Standard Non-Tobacco</span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Substandard Non-Tobacco</span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Preferred Tobacco</span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Standard Tobacco</span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Substandard Tobacco</span></em></li></ol><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Super Preferred and Preferred rates are not available at age 60 and beyond.</span></p><h4 class="" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Key Features of </span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">LifeVue</span></em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> Term Application Process</span></h4><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Requirements for approval</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">:</span><ul><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Telephone interview</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">MIB report (third party medical record database)</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Pharmacy history (typically within the last 7-10 years)</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Risk Classifier (based on public records)</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Motor vehicle record</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Tobacco use </span><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">is</span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> acceptable.</span></em></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> </span></em><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Not required for approval</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">:</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Physical Exam</span></li></ul></li></ul><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">*Quotes provided are based on limited input. Quotes are for informational purposes only. Your rates may vary and will depend upon your health and the underwriting criteria of the carrier.</span></p><h3 class="" data-css="tve-u-17f0e298535" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Is North American A Fit For You?</span></h3><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">North American </span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">LifeVue </span></em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Term has excellent no exam life insurance products. It might be a perfect fit for you.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Your best option is dependent on several factors, including your:</span></p><ol class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Age/Gender</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Health status</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Medical history</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Occupation</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Hobbies</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Lifestyle</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Desired policy amount</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Desired policy length</span></li></ol><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">There is no </span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">one-size-fits-all, </span></em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">no-physical (non-med) life insurance policy. </span></strong></p><h2 class="" data-css="tve-u-17f0e28c16f" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-17f0e28c173" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">How To Apply</span></h2><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">You need to do two things to secure the most affordable insurance plan you qualify for:</span></p><ol class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Work with an independent agent.</span></li></ol><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> It's essential not to</span><em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"> </span></em><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">rely on a specific life insurance company. Why? If something concerning your health shows up on your application, that information may be available to other life insurers.</span></li><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">An independent agent isn't obligated to any single carrier. They will do the shopping for you.</span></li></ul><ol class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Be prepared for your phone interview questions. You don't want to be caught off guard.</span></li></ol><ul class=""><li style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Make sure that your medical history, medications (prescription and non-prescription), occupation, and lifestyle information are readily available.</span></li></ul></div></div></div></div></div><div class="tcb_flag" style="display: none"></div>
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<title>SBLI Life Insurance Review 2023</title>
<link>https://bequestmutual.com/sbli-life-insurance-review-2023</link>
<comments>https://bequestmutual.com/sbli-life-insurance-review-2023#respond</comments>
<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Thu, 17 Feb 2022 21:38:04 +0000</pubDate>
<category><![CDATA[Carrier Reviews]]></category>
<guid isPermaLink="false">https://bequestmutual.com/?p=193</guid>
<description><![CDATA[Savings Bank Life Insurance At A GlancePolicy Options:Term, Universal Life Term Lengths:10,15,20,30 Riders:Available Ratings: "A" - A.M. Best States:Unavailable in NY Pricing:Competitive Customer Service:(781) 938-3500 Issue Age:18-60 Min. Coverage:100K No Exam Option:Yes DisclosureBequest Mutual is not in any way affiliated with SBLI. This article is our review of the term life insurance products offered through SBLI as […]]]></description>
<content:encoded><![CDATA[<div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad" data-css="tve-u-17f09c7cf16" style="">
<div class="tve-content-box-background" style="--tve-border-width:10px;" data-css="tve-u-17f09c7cf0a"></div>
<div class="tve-cb" style=""><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:1029;" data-css="tve-u-17f09c7cf12"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2"><div class="tcb-flex-col" data-css="tve-u-17f09c7cf0e" style=""><div class="tcb-col" data-css="tve-u-1853972c70d" style=""><div class="tcb-clear" data-css="tve-u-185397413f8"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f09c7cf13" style=""><h1 class="" style="text-align: left;" data-css="tve-u-18539d76660"><strong>Savings Bank Life Insurance </strong><strong>At A Glance</strong></h1></div></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f09c7cf10" style=""><div class="tcb-col" data-css="tve-u-185397588b7" style=""><div class="tcb-clear" data-css="tve-u-18549a8f954"><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f09c7cf0d" style="--tve-border-width:5px; --tve-border-radius:5px; border-radius: 5px; overflow: hidden;"><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-203" alt="" data-id="203" width="250" data-init-width="260" height="194" data-init-height="194" title="download" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/download.png" data-width="250" data-css="tve-u-18549aa04b8" style=""></span></div></div></div></div></div></div><div class="thrv_wrapper thrv_table tcb-fixed" data-ct-name="Blank Table" data-ct="table--1" data-element-name="Table" data-css="tve-u-17f09c7cf15"><table data-rows="10" data-cols="2" class="tve_table tcb-fixed tve_no_inner_border tve_table_flat" data-css="tve-u-17f09c7cf0c" data-v="middle"><thead><tr class="tve_table_row"><th class="tve_table_cell" style="" data-css="tve-u-1853ec6e108"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853979cf28" style=""><p data-css="tve-u-17f095d3c98" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Policy Options:</strong></p></div></th><th class="tve_table_cell" style="" data-css="tve-u-1853ec6e10a"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095aed2d" style=""><p data-css="tve-u-17f095aed02" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important; text-align: left;">Term, Universal Life</p></div></th></tr></thead><tbody><tr class="tve_table_row"><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e10c"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Term Lengths:</strong></p></div></td><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e10d"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">10,15,20,30</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e10f"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Riders:</strong></p></div></td><td class="tve_table_cell" style="background-color: rgba(0, 110, 255, 0.5) !important; --background-color:rgba(0, 110, 255, 0.5) !important;" data-css="tve-u-1853ec6e111"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Available</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e112"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Ratings:</strong> </p></div></td><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e114"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">"A" - A.M. Best</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" style="" data-css="tve-u-1853ec6e116"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>States:</strong></p></div></td><td class="tve_table_cell" style="background-color: rgba(0, 110, 255, 0.5) !important; --background-color:rgba(0, 110, 255, 0.5) !important;" data-css="tve-u-1853ec6e117"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Unavailable in NY</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e119"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Pricing:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e11b"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Competitive</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e11c"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Customer Service:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style="background-color: rgba(0, 110, 255, 0.5) !important; --background-color:rgba(0, 110, 255, 0.5) !important;" data-css="tve-u-1853ec6e11e"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">(781) 938-3500</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e11f"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Issue Age:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e121"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">18-60</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e122"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Min. Coverage:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style="background-color: rgba(0, 110, 255, 0.5) !important; --background-color:rgba(0, 110, 255, 0.5) !important;" data-css="tve-u-1853ec6e123"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">100K</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e125"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""> <p data-css="tve-u-17f095d9d07" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>No Exam Option:</strong></p></div></td><td class="tve_table_cell" rowspan="1" colspan="1" style="" data-css="tve-u-1853ec6e126"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f095d9d43" style=""><p data-css="tve-u-17f095d9d07" style="text-align: left; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Yes</p></div></td></tr></tbody></table></div></div>
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<div class="tve-cb"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-1853ecff92a" style="--tve-border-width:2px;"> <p data-css="tve-u-1853ecdc7e3" style=""><br></p><p style="" data-css="tve-u-1853ecdc7e3"><strong><span data-css="tve-u-1853ecdbc38" style="color: rgb(255, 255, 255);">Disclosure</span></strong></p><p style="" data-css="tve-u-1853ecdc7e5"><em><span data-css="tve-u-1853ecf7faf"><span style="font-size: 18px;" data-css="tve-u-1853eceb0a5">B<span data-css="tve-u-1853ecf7fb4">equest Mutual is not in any way affiliated with SBLI. This article is our review of the term life insurance products offered through SBLI as well as alternatives.</span></span><strong><span data-css="tve-u-1853ecf7fb7"><span style="font-size: 18px;" data-css="tve-u-1853eceb0a8"> If you are need to contact SBLI directly, call  </span><span style="font-size: 21px;" data-css="tve-u-1853ece7b6f">1-</span></span></strong><strong><em><span data-css="tve-u-1853ece7b73" style="font-size: 21px;">877-275-5462</span></em></strong></span></em></p></div></div>
</div><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:1029;"><div class="tcb-flex-row v-2 tcb--cols--2 tcb-medium-wrap" data-css="tve-u-185ac522d61"><div class="tcb-flex-col c-33" data-css="tve-u-182a44e9180" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad tcb-mobile-hidden" data-css="tve-u-17ffd17342b" data-tve-scroll="{"disabled":["mobile"],"top":0,"mode":"sticky","end":"element","el_id":"bottom_section"}">
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<div class="tve-cb" data-css="tve-u-1800503fb5e"><div class="thrv_wrapper thrv_custom_html_shortcode" data-css="tve-u-17ffd18516b" style="" data-float-d="1"><code class="tve_js_placeholder"><script type="text/javascript" async="" name="laalfjt" src="https://glixquoter.com/quotes/hi-quoter/your_glix_v3.js?F_JT=1-mnglhy7&v=1"></script></code></div></div>
</div></div></div><div class="tcb-flex-col c-66" data-css="tve-u-17ffd1b47e6" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853f2c331b"><h2 class="" data-css="tve-u-17f0a725584" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong>Savings Bank Life Insurance</strong></h2><p data-css="tve-u-171842ce3e1" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Below, please see the primary points of comparison between life insurance carriers. Note that SBLI is widely known it's accelerated underwriting platform underwriting. </p></div><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad">
<div class="tve-content-box-background" style="" data-css="tve-u-17f0a72b873"></div>
<div class="tve-cb"><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:641;" data-css="tve-u-17f0a72b87b"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2" data-css="tve-u-17f0a72b880" style=""><div class="tcb-flex-col" data-css="tve-u-17f0a72b875" style=""><div class="tcb-col" data-css="tve-u-185397e0ce2" style=""><div class="thrv_wrapper tve_image_caption img_style_circle" data-css="tve-u-17f0a72b87d" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image tcb-moved-image wp-image-180" alt="" data-id="180" width="81" data-init-width="69" height="95" data-init-height="81" title="Jim-Tobin-promo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/Jim-Tobin-promo.jpg" data-width="81" data-height="95" data-css="tve-u-17f094ee51e" style=""></span></div><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f0a72b878" style="text-align: center;"><span data-css="tve-u-17f0a72b877" style="font-size: 14px;">Reviewed by </span></p><p data-css="tve-u-17f0a72b878" style="text-align: center;"><span data-css="tve-u-17f0a72b877" style="font-size: 14px;">Jim Tobin,CFP®</span></p><p data-css="tve-u-17f0a72b87e" style="text-align: center;"><span data-css="tve-u-171f4e642ce">As seen in</span></p></div><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f0a72b87c" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-181" alt="" data-id="181" width="128" data-init-width="694" height="266" data-init-height="266" title="press logo" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/press-logo.jpg" data-width="128" data-css="tve-u-17f094f18a9" style=""></span></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f0a72b876" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0a72b87f" style=""> <h4 data-css="tve-u-17f0a72b879" style="" class=""><span style="--tcb-applied-color: rgb(12, 17, 21) !important; color: rgb(24, 25, 27);">Why You Can Have Confidence In This Resource</span></h4><p data-css="tve-u-17f0a72b87a" style=""><span style="--tcb-applied-color: rgb(12, 17, 21) !important; color: rgb(24, 25, 27);">At Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. The views expressed are solely those of Bequest Mutual.</span></p></div></div></div></div></div></div>
</div><div class="thrv_wrapper thrv_text_element"><h2 class="" data-css="tve-u-17f0b177221" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-css="tve-u-17f0b177228" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">SBLI Company History</span></strong></h2><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Founded in 1907 by future Associate Justice of the Supreme Court Louis Brandeis, Savings Bank Life Insurance or SBLI has grown ever since.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">The carrier has become a significant player in the term life insurance market with over 125 Billion in-force life insurance. Having evolved into a diversified financial services financial company, SBLI manages more than </span><strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">two billion dollars</span></strong><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">.</span></p><h2 class="" data-css="tve-u-17f0b17af90" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><strong><span data-css="tve-u-17f0b17af92" data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">SBLI Financial Ratings</span></strong></h2><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">It has been more than 110 years since Brandeis founded the company and its finances are still strong,</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;">SBLI Financial has consistently demonstrated the strength to meet its ongoing obligations and conduct new business. </span></p></div><div class="thrv_wrapper thrv_table tcb-fixed tcb-mobile-table" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f0a73d04a"><table data-rows="5" data-cols="2" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f0a73d049" data-v="middle" style="--tve-border-width:10px;"><thead data-css="tve-u-17f0a73d04b"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-1853ed2d09b" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f3d"><p data-css="tve-u-17f0a73d04e" style="">     Agency</p></div></th><th class="tve_table_cell" data-css="tve-u-17f084c2f3f" style="background-color: rgba(0, 110, 255, 0.75) !important; --background-color:rgba(0, 110, 255, 0.75) !important;"><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f0a73d04f" style=""><strong>     Rating</strong></p></div></th></tr></thead><tbody data-css="tve-u-17f0a73d04d"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0a73d056" data-th="     Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style=""><strong>     A.M. Best</strong></p></div></td><td class="tve_table_cell" data-css="tve-u-17f0a73d05a" data-th="     Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     A</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0a73d057" data-th="     Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     Fitch Ratings</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0a73d05c" data-th="     Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     A</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0a73d058" data-th="     Agency" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="text-align: left;">     Standard & Poors</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0a73d05d" data-th="     Rating" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     A-</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0a73d059" data-th="     Agency" style="background-color: rgba(231, 231, 231, 0.75) !important; --background-color:rgba(231, 231, 231, 0.75) !important;"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     COMDEX</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0a73d05e" data-th="     Rating" style="background-color: rgba(231, 231, 231, 0.75) !important; --background-color:rgba(231, 231, 231, 0.75) !important;"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f0a73d050" style="">     76</p></div></td></tr></tbody></table></div><div class="thrv_wrapper thrv_text_element"><h2 class="" data-css="tve-u-17f0b1d6357" style=""><strong><span data-css="tve-u-1853980a996" data-preserver-spaces="true" style="">SBLI Life Insurance Products</span></strong></h2><p style="" data-css="tve-u-1853980a96c"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a997">SBLI offers both Term and Whole life insurance. Let's take a look.</span></p><h3 class="" data-css="tve-u-17f0b1e3574" style=""><strong><em>Term</em></strong></h3><p style="" data-css="tve-u-1853980a971"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a999">SBLI offers both level terms and an annual renewal term, and the popular level term provides terms of 10,15,20 & 30 years. These policies are convertible to permanent whole life insurance at any time up to age 70 with no exam or other proof of insurability. </span></p><h3 class="" data-css="tve-u-17f0b1e04cf" style=""><strong><em><span data-css="tve-u-1853980a99b" data-preserver-spaces="true" style="">Whole Life Insurance</span></em></strong></h3><p style="" data-css="tve-u-1853980a975"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a99c">SBLI has one of the better "vanilla" whole life policies on the market. SBLI offers whole life policies in three forms continuous pay, limited-term, and single premium.</span></p><p style="" data-css="tve-u-1853980a977"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a99d">It isn't easy to do a thorough review of SBLI's whole life because the product is tailored to the specific client's needs when done correctly. For this reason, it is challenging to make apples-to-apples comparisons by carriers.</span></p><p style="" data-css="tve-u-1853980a979"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a99f">While whole life is more expensive initially than term, it makes sense in some situations. The primary benefits to whole life insurance center are:</span></p><ul class=""><li style="" data-css="tve-u-1853980a97a"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a0">Policy never lapsing</span></li><li style="" data-css="tve-u-1853980a97c"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a1">Tax-deferred earnings </span></li><li style="" data-css="tve-u-1853980a97e"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a3">Tax-free death benefit </span></li><li style="" data-css="tve-u-1853980a980"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a4">Growth regardless of volatility</span></li><li style="" data-css="tve-u-1853980a981"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a5">Borrow from cash value for any reason </span></li><li style="" data-css="tve-u-1853980a983"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9a7">No income limit on funding (as opposed to IRA)</span></li></ul><h2 class="" data-css="tve-u-17f0b1dbf65" style=""><strong><span data-css="tve-u-1853980a9a9" data-preserver-spaces="true" style="">SBLI Life Insurance Riders</span></strong></h2><p style="" data-css="tve-u-1853980a987"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9aa">The term policies come with three notable rider options, accelerated benefits, child rider, and disability waiver.</span></p><p style="" data-css="tve-u-1853980a989"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9ab">The accelerated benefit rider</span></strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9ac"> allows for the early distribution of assets if the insured is terminally ill. This rider is cost-free.</span></p><p style="" data-css="tve-u-1853980a98b"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9ae">The child rider</span></strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9af"> allows the insured to add a $10000 benefit to children and then convert those policy's to $50000 at age twenty-five. There is an additional cost associated with this rider. </span></p><p style="" data-css="tve-u-1853980a98d"><strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9b0">The waiver of premium rider.</span></strong><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9b2"> This rider allows for the waiving of premiums should the insured become disabled and not pay the premiums. There is an additional cost associated with this rider.</span></p><h2 class="" data-css="tve-u-17f0b1dec08" style=""><strong><span data-css="tve-u-1853980a9b4" data-preserver-spaces="true" style="">SBLI Life Insurance Rates</span></strong></h2><p style="" data-css="tve-u-1853980a991"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9b5">SBLI Life Insurance tends to be priced competitively with other major carriers. While the SBLI rate is often a few dollars more than the price leader, some feel the accelerated underwriting platform is worth the extra cost.</span></p><p style="" data-css="tve-u-1853980a992"><span data-preserver-spaces="true" style="" data-css="tve-u-1853980a9b6">For instance, if SBLI rates a reasonably healthy 47-year-old woman "standard " and other carriers do the same, the applicant will have to decide if the speed is worth the added expense.</span></p></div><div class="thrv_wrapper thrv_table tcb-fixed tcb-mobile-table" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f0b1f3123"><table data-rows="6" data-cols="4" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f0b1f3124" data-v="middle" style="--tve-border-width:10px;"><thead data-css="tve-u-17f0b1f3125"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-1853ed5a73a" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3127" style=""><p data-css="tve-u-17f0b1f3129"><strong>     Company</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f0b1f312a" style="--background-color:rgba(0, 110, 255, 0.75) !important;"><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853edfb4bb"><p data-css="tve-u-17f0b1f312b"><strong>     Coverage</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-1853ed5c953" style=""><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853edfb4bc"><p data-css="tve-u-17f0b1f312d"><strong>     Product</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f0b1f3130" style="--background-color:rgba(0, 110, 255, 0.75) !important;"><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853edfb4be"><p data-css="tve-u-17f0b1f3131"><strong>     Rate</strong></p></div></th></tr></thead><tbody data-css="tve-u-17f0b1f3132"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0b1f3133" data-th="     Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     SBLI</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3136" data-th="     Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     $250K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3137" data-th="     Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Level 30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3139" data-th="     Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     $83</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0b1f313b" data-th="     Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Banner</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f313c" data-th="     Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     $250K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f313d" data-th="     Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     OP Term 30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f313f" data-th="     Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     $76</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0b1f3141" data-th="     Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Protective</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3142" data-th="     Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     $250K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3143" data-th="     Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Classic 30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3145" data-th="     Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     $76</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0b1fa422" data-th="     Company" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Lincoln</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1fa43a" data-th="     Coverage" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     $250K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1fa452" data-th="     Product" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"><p data-css="tve-u-17f0b1f3135" style="">     Term Accel</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1fa46a" data-th="     Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     $80</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f0b1f3148" data-th="     Company" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     AIG</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f3149" data-th="     Coverage" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     $250K</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f314a" data-th="     Product" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135" style="">     Term 30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f0b1f314c" data-th="     Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0b1f3134"> <p data-css="tve-u-17f0b1f3135">     $80</p></div></td></tr></tbody></table></div><div class="thrv_wrapper thrv_text_element"><h2 class="" data-css="tve-u-17f0b28356f"><strong><span data-css="tve-u-18539818bd8" data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI Underwriting Highlights</span></strong></h2><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Unlike many of the carriers that the </span><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><a href="https://bequestmutual.com/?swcfpc=1" target="_blank" class="" style="outline: none;"><span data-preserver-spaces="true">Bequest Mutual has reviewed </span></a><span data-preserver-spaces="true">in the past, SBLI does not jump out for being particularly generous in underwriting any specific medical conditions.</span></span></span></p><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">The niche that SBLI has had recently is speed. SBLI is able to accelerate underwriting of policies for up to </span><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true">$500000</span></strong><span data-preserver-spaces="true">. While the industry is catching up quickly, this has been a strong point for SBLI. It is worth noting that these policies are best for folks in excellent health, as SBLI will request an </span><a href="https://bequestmutual.com/attending-physician-statement-for-life-insurance/?swcfpc=1" target="_blank"><span data-preserver-spaces="true">attending physician's statement</span></a><span data-preserver-spaces="true"> if they are concerned.  </span></span></span></p><h2 class="" data-css="tve-u-17f0b280718"><strong><span data-css="tve-u-18539818bdc" data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI Exam Options</span></strong></h2><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Known for its accelerated underwriting platform, SBLI only requires an exam if the applicant is over age 65 or the applicant's underlying health will not allow for an accelerated approach.</span></p><h2 class="" data-css="tve-u-17f0b27eacc"><strong><span data-css="tve-u-18539818be0" data-preserver-spaces="true">SBLI Customer Service</span></strong></h2><p><strong><span data-preserver-spaces="true"><span style="--tcb-applied-color: rgb(24, 25, 27) !important; color: rgb(24, 25, 27);">SBLI's</span> </span></strong><a class="" href="https://www.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=23043&%3Arefresh=" style="outline: none;" target="_blank" rel="noopener"><strong><span data-preserver-spaces="true">NAIC complaint</span></strong><span data-preserver-spaces="true"> </span><strong><span data-preserver-spaces="true">index</span></strong></a><span data-preserver-spaces="true"> <span style="--tcb-applied-color: rgb(24, 25, 27) !important; color: rgb(24, 25, 27);">score in 2018 was 1.56, or slightly above the industry average. In 2018 they received a total of 11 complaints out of a customer base of over 500,000. </span></span></p><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI is currently rated A+ by the </span><a href="https://www.bbb.org/us/ma/woburn/profile/insurance-companies/sbli-0021-17946" target="_blank" class="" style="outline: none;" rel="noopener"><span data-preserver-spaces="true">Better Business Bureau.</span></a><span data-preserver-spaces="true"> </span></p><h2 class="" data-css="tve-u-17f0b27aad1"><strong><span data-css="tve-u-18539818be4" data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI Contact Information</span></strong></h2><p data-css="tve-u-17f0b27bffa"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Address:</span></p><p data-css="tve-u-17f0b27bffc"><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">1 Linscott Road</span></span></span></p><p data-css="tve-u-17f0b27bffe"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Woburn, MA 01801</span></p><p data-css="tve-u-17f0b27bfff"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Phone:</span><a href="tel:(781)%20938-3500" target="_blank" class="" style="outline: none;"><span data-preserver-spaces="true">(781) 938-3500</span></a></p><p data-css="tve-u-17f0b27c000"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Web:</span><a class="" href="https://www.sbli.com/" style="outline: none;" target="_blank" rel="noopener"><span data-preserver-spaces="true">https://www.sbli.com</span></a></p><h2 class="" data-css="tve-u-17f0b2791ee"><strong><span data-css="tve-u-18539818be8" data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI LIFE INSURANCE: FINAL THOUGHTS</span></strong></h2><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">SBLI is a solid carrier that is worth looking at in many cases. That said, the truth is that there will be a better-priced option in most cases. Because SBLI is not particularly lenient for any specific conditions, the applicant must decide if accelerated underwriting is worth a few dollars a month. </span></p></div></div></div></div></div><div class="tcb_flag" style="display: none"></div>
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<title>Pacific Life Insurance Review 2023</title>
<link>https://bequestmutual.com/pacific-life-insurance-review</link>
<comments>https://bequestmutual.com/pacific-life-insurance-review#respond</comments>
<dc:creator><![CDATA[bequestmutualadmin]]></dc:creator>
<pubDate>Thu, 17 Feb 2022 17:41:47 +0000</pubDate>
<category><![CDATA[Carrier Reviews]]></category>
<guid isPermaLink="false">https://bequestmutual.com/?p=167</guid>
<description><![CDATA[Customer Service Phone: 800-800-7646 Website: www.pacificlife.com Address: Pacific Life InsuranceP.O. Box 9000Newport Beach, CA 92658-9030  Reviewed by Jim Tobin,CFP®As seen in Why You Can Have Confidence In This ResourceAt Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this […]]]></description>
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<div class="tve-cb" style=""><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:989;"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2" data-css="tve-u-185398b8a97"><div class="tcb-flex-col" data-css="tve-u-17f08ff3a84" style=""><div class="tcb-col" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-185398c510c" style=""><p data-css="tve-u-17f09450abf"><strong><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Customer Service Phone: </span></strong></p><p data-css="tve-u-17f09450abf"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">800-800-7646 </span></p><p data-css="tve-u-17f09450ac1"><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true">Website: </span></strong></span></span></p><p data-css="tve-u-17f09450ac1"><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">www.pacificlife.com</span></span><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true"> </span></strong></span></span></p><p data-css="tve-u-17f0944ff0d"><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><strong><span data-preserver-spaces="true">Address: </span></strong></span></span></p><p data-css="tve-u-18539960eff" style=""><span style="--tcb-applied-color:rgb(22, 22, 139) !important;"><span style="--tcb-applied-color:rgb(22, 22, 139) !important;"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Pacific Life Insurance</span></span></span></p><p data-css="tve-u-17f09450ac4"><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true">P.O. Box 9000</span></span></span></p><p data-css="tve-u-17f09450ac5" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" style="--tcb-applied-color:rgb(24, 25, 27) !important;"><span style="--tcb-applied-color:rgb(24, 25, 27) !important;">Newport Beach, CA 92658-9030</span> </span></p></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f08ff3a9f" style=""><div class="tcb-col" style="" data-css="tve-u-18549adc017"><div class="tcb-clear" data-css="tve-u-18549af7524"><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f09004c53" style=""><span class="tve_image_frame" style=""><img decoding="async" class="tve_image tcb-moved-image wp-image-11683" alt="" data-id="11683" width="481" data-init-width="1500" height="241" data-init-height="751" title="Pacific_Life-2bf5a1184e4c410b98703ba637bf8b24" loading="lazy" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/12/Pacific_Life-2bf5a1184e4c410b98703ba637bf8b24.jpg" data-width="481" data-css="tve-u-1853996311e" style="" mt-d="0" data-height="241" center-v-d="true" ml-d="0" center-h-d="false" ml-t="-0.18799999999998818" center-h-t="false" mt-t="-1"></span></div></div></div></div></div></div></div>
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<div class="tve-cb" style=""><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:989;" data-css="tve-u-17f094b9544"><div class="tcb-flex-row v-2 tcb-resized tcb--cols--2" data-css="tve-u-17f09507eb8" style=""><div class="tcb-flex-col" data-css="tve-u-17f09462edb" style=""><div class="tcb-col" data-css="tve-u-185399af6e0" style=""><div class="thrv_wrapper tve_image_caption img_style_circle" data-css="tve-u-17f094ee4fc" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image tcb-moved-image wp-image-180" alt="" data-id="180" width="81" data-init-width="69" height="95" data-init-height="81" title="Jim-Tobin-promo" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/Jim-Tobin-promo.jpg" data-width="81" data-height="95" data-css="tve-u-17f094ee51e" style="" loading="lazy"></span></div><div class="thrv_wrapper thrv_text_element" data-css="tve-u-18539aacc7c" style=""><p data-css="tve-u-17f0948b8e7" style="text-align: center;"><span data-css="tve-u-17f09485bef" style="font-size: 14px; color: rgb(24, 25, 27);">Reviewed by </span></p><p data-css="tve-u-17f0948b8e7" style="text-align: center;"><span data-css="tve-u-17f09485bef" style="font-size: 14px; color: rgb(24, 25, 27);">Jim Tobin,CFP®</span></p><p data-css="tve-u-17f094ffd76" style="text-align: center; color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-css="tve-u-171f4e642ce" style="--tcb-applied-color:rgb(24, 25, 27) !important;">As seen in</span></p></div><div class="thrv_wrapper tve_image_caption" data-css="tve-u-17f094e9903" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-181 tcb-moved-image" alt="" data-id="181" width="128" data-init-width="694" height="266" data-init-height="266" title="press logo" src="https://mlj4edd5trsi.i.optimole.com/cb:Drdu~4d780/w:auto/h:auto/q:90/f:best/https://bequestmutual.com/wp-content/uploads/2022/02/press-logo.jpg" data-width="128" data-css="tve-u-185399ab7dc" style="" loading="lazy"></span></div></div></div><div class="tcb-flex-col" data-css="tve-u-17f09475c68" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f0950289a" style=""> <h4 data-css="tve-u-17f094aff41" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;" class="">Why You Can Have Confidence In This Resource</h4><p data-css="tve-u-17f094b34d2" style=""><span style="--tcb-applied-color: rgb(24, 25, 27) !important; color: rgb(24, 25, 27);" data-css="tve-u-185399ff579">At Bequest Mutual, we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. The views expressed are solely those of Bequest Mutual.</span></p></div></div></div></div></div></div>
</div><div class="thrv_wrapper thrv_text_element"><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f0902e061"><span data-preserver-spaces="true" data-css="tve-u-17f0902e066" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Pacific Life was founded back in 1868 and now serves individuals and businesses by offering a variety of insurance policies and annuities.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f0902e063"><span data-preserver-spaces="true" data-css="tve-u-17f0902e067" style="--tcb-applied-color:rgb(24, 25, 27) !important;">Term life insurance policies from Pacific Life are best suited for people who want affordable coverage. They offer competitive rates for everyone, so even older applicants are confident that they'll get an affordable rate.</span></p><p style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f0902e064"><span data-preserver-spaces="true" data-css="tve-u-17f0902e068" style="--tcb-applied-color:rgb(24, 25, 27) !important;">In short, Pacific Life is an excellent choice for those looking for reasonably priced term life insurance or universal life insurance plans.</span></p></div><div class="thrv_wrapper thrv_text_element"><h1 class="" style="" data-css="tve-u-18539eb9dca"><strong><span data-preserver-spaces="true" data-css="tve-u-17f08de16e8" style="">Positive attributes of Pacific Life</span></strong></h1><h4 data-css="tve-u-17f08de2a08" class=""><span data-preserver-spaces="true" data-css="tve-u-18539a28a4a" style="color: rgb(24, 25, 27);">Affordable Prices at Every Age</span></h4><p data-css="tve-u-17f0902feb9" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" data-css="tve-u-18539eb9dd8" style="--tcb-applied-color:rgb(24, 25, 27) !important;">While other insurance companies raise their rates for older customers (and some even lower them), Pacific Life maintains competitive rates across all age brackets, making them an affordable option for everyone.</span></p><h4 data-css="tve-u-17f08de471e" class=""><span data-preserver-spaces="true" data-css="tve-u-18539a28a4f" style="color: rgb(24, 25, 27);">Varied Policy Selection </span></h4><p data-css="tve-u-17f09031c94"><span data-preserver-spaces="true" data-css="tve-u-18539a28a51" style="color: rgb(24, 25, 27);">Pacific Life offers a wide range of policies, including universal life policies for those looking to use their life insurance as an investment opportunity.</span></p><h4 data-css="tve-u-17f08de7907" class=""><span data-preserver-spaces="true" data-css="tve-u-18539a28a53" style="color: rgb(24, 25, 27);">Ranked Highly </span></h4><p data-css="tve-u-17f09033d44"><span data-preserver-spaces="true" data-css="tve-u-18539a28a55" style="color: rgb(24, 25, 27);">Pacific Life is one of the most respected insurance companies by J.D. Powers, which gives customers confidence in its consistent financial performance.</span></p><h3 data-css="tve-u-17f08df317b" class=""><span data-preserver-spaces="true" data-css="tve-u-18539a28a58" style="color: rgb(24, 25, 27);"> </span><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a59"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9ddd"><span data-preserver-spaces="true" data-css="tve-u-17f08df3181">Things that could be improved</span></span></span></h3><h4 data-css="tve-u-17f08df56fe" class=""><span data-preserver-spaces="true" data-css="tve-u-18539a28a5e" style="color: rgb(24, 25, 27);"> </span><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a60"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9de0"><span data-preserver-spaces="true" data-css="tve-u-17f08df5701">Not an option for Whole life</span></span></span></h4><p data-css="tve-u-17f09035557"><span data-preserver-spaces="true" data-css="tve-u-18539a28a64" style="color: rgb(24, 25, 27);">Only employers can offer the Flex 16 whole life option. Whole insurance policies sold by insurers who sell them directly to consumers will be challenging to find.</span></p><h4 class=""><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a65">Universal Policies Aren't Right for Everyone.</span></h4><p data-css="tve-u-17f0903757f"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a67"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9de3"><span data-preserver-spaces="true" data-css="tve-u-17f09037581">Universal life policies can be complicated and confusing, and the multiple moving parts require regular attention to keep the policy performing optimally.</span></span></span></p><h2 data-css="tve-u-17f08df6fb6" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a6a"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9de5"><span data-preserver-spaces="true" data-css="tve-u-17f08df6fb8">Products Line Up</span></span></span></h2><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a6d"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9de7"><span data-preserver-spaces="true">Pacific Life provides excellent choices of term life insurance and universal life insurance plans. They currently only offer whole life insurance through employer-based insurance.</span></span></span></p><h4 data-css="tve-u-17f08e04701" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a70"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9de9"><span data-preserver-spaces="true" data-css="tve-u-17f08dfb074">PROMISE TERM</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a73"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9dec"><span data-preserver-spaces="true"> Details </span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a76"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9dee"><span data-preserver-spaces="true"> Terms of Coverage 10, 15, 20, and 30 - year periods </span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a79"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9df0"><span data-preserver-spaces="true">  Minimum Coverage: $50,000 </span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a7c"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9df2"><span data-preserver-spaces="true">  Maximum Coverage: $1 Million </span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a7f"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9df4"><span data-preserver-spaces="true">  Estimated Underwriting Time : 2-4 weeks </span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a82"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9df6"><span data-preserver-spaces="true"> Level Premiums</span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a85"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9df9"><span data-preserver-spaces="true">Riders Available</span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a88"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9dfb"><span data-preserver-spaces="true">Conversion Options</span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a8b"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9dfd"><span data-preserver-spaces="true"> </span><span data-preserver-spaces="true">  Brochure: </span><a href="https://www.pacificlife.com/content/dam/paclife/lid/public/brochures/term/Client_Guide_PL_Promise_15_45340.pdf" target="_blank" class="" style="outline: none;" rel="noopener"><span data-preserver-spaces="true">Promise Term Brochure</span></a><span data-preserver-spaces="true"> </span></span></span></p><p data-css="tve-u-17f0903fc6a"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a8e"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9dff"><span data-preserver-spaces="true" data-css="tve-u-17f0903fc6b">Standard term life insurance policies provide customers with a traditional term coverage plan but can be customized and enhanced with various riders. This plan offers coverage for applicants aged 50–69 years old, ranging from $50,000–$1 million, and comes in 10-, 15-, 20-, 25-, and 30-year increments. However, these term lengths decrease with increasing age.</span></span></span></p><h4 class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a91"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e01"><span data-preserver-spaces="true">You can choose from different levels of premiums and conversion options.</span></span></span></h4><p data-css="tve-u-17f09041d32"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a94"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e03"><span data-preserver-spaces="true" data-css="tve-u-17f09041d35">Applicants have the option of converting term policies to a permanent plan at the end of their term.</span></span></span></p><h4 class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a97"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e06"><span data-preserver-spaces="true">A medical exam is Not Required for ages 50-69 with blood work done in the last 18 months.</span></span></span></h4><p data-css="tve-u-17f09044cd6"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a9a"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e08"><span data-preserver-spaces="true" data-css="tve-u-17f09044cd9">Applicants can expect to answer medical questions during the application process. However, if blood work has been done in the last 18 months, applicants aged 50-69 will not require a medical exam.</span></span></span></p><p data-css="tve-u-17f08e2491b"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28a9d"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e0a"><span data-preserver-spaces="true" data-css="tve-u-17f08e24922">Universal Life Insurance</span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aa0"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e0c"><span data-preserver-spaces="true">Universal life insurance policies give the policyholder the ability to accumulate cash value on the plan, and this savings can then be used to cover future premiums. Pacific Life offers two different universal life plans:</span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aa3"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e0e"><span data-preserver-spaces="true">Versa Flex Venture UL</span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aa6"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e10"><span data-preserver-spaces="true">PL Promise GUL</span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aa9"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e12"><span data-preserver-spaces="true">The latter includes a "no lapse" guarantee rider, allowing you to extend coverage for an additional premium.</span></span></span></p><h4 data-css="tve-u-17f08e2a526" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aac"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e14"><span data-preserver-spaces="true" data-css="tve-u-17f08e2a528">Indexed Universal Life Insurance</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aaf"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e16"><span data-preserver-spaces="true" data-css="tve-u-17f0904a1c1">A fixed indexed universal life insurance policy allows you to assign a cash value to either a single designated account or an index fund. Investment opportunities are available from well-known stock indexes, including the S & P 500 and Nasdaq 100. It allows the policyholder to accrue cash value without reducing the life insurance payout. </span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ab2"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e18"><span data-css="tve-u-17f0904d602"><span data-css="tve-u-17f0904a1c3"><span data-preserver-spaces="true">Pacific Discovery Xelerator IUL 2L</span></span></span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ab5"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e1b"><span data-css="tve-u-17f0904d604"><span data-css="tve-u-17f0904a1c5"><span data-preserver-spaces="true">Pacific Indexed Accumulator 6</span></span></span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ab8"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e1d"><span data-css="tve-u-17f0904d605"><span data-css="tve-u-17f0904a1c7"><span data-preserver-spaces="true">Pacific Discovery Protector IUL</span></span></span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28abb"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e1f"><span data-css="tve-u-17f0904d606"><span data-css="tve-u-17f0904a1c8"><span data-preserver-spaces="true">Pacific Indexed Estate Preserver 3</span></span></span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28abe"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e21"><span data-css="tve-u-17f0904d608"><span data-preserver-spaces="true" data-css="tve-u-17f0904a1ca">UL policies can be significant savings vehicles if you know what you're doing. However, many customers may find these processes unfamiliar, choosing instead to rely on traditional investment methods such as savings accounts, stock market investments, etc.</span></span></span></span></p><h4 data-css="tve-u-17f08e2c1b5" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ac1"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e23"><span data-css="tve-u-17f0904d609"><span data-preserver-spaces="true" data-css="tve-u-17f08e2c1b8">Variable Universal Life Insurance</span></span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ac4"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e25"><span data-css="tve-u-17f0904d60b"><span data-preserver-spaces="true">Variable universal life insurance allows the insured to invest the cash component of the premium to earn greater annual returns. Depending on the market, there is no guarantee of a return on the investment. Customers who choose the universal life plan select between Pacific's two options:</span></span></span></span></p><ul class=""><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ac7"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e27"><span data-css="tve-u-17f0904d60c"><span data-preserver-spaces="true">Pacific Select VUL 2</span></span></span></span></li><li><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aca"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e2a"><span data-css="tve-u-17f0904d60d"><span data-preserver-spaces="true">Pacific Select Harbor VUL</span></span></span></span></li></ul><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28acd"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e2c"><span data-preserver-spaces="true" data-css="tve-u-17f0904d60f">Like other universal plans, this one may be unfamiliar territory for most life insurance customers, who prefer to rely on other investment options.</span></span></span></p><h4 data-css="tve-u-17f08e2d9a5" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ad0"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e2e"><span data-preserver-spaces="true" data-css="tve-u-17f08e2d9a7">Life Insurance with Long-Term Care Benefits</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ad3"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e30"><span data-preserver-spaces="true">Pacific Life also offers life insurance with a long-term care benefit. If the insured needs long-term care, whether at an in-patient hospital or in their own home, they may borrow from the death benefits to cover these expenses.## Output If there is no need for long-term care, the death benefit pays 100%.</span></span></span></p><h2 data-css="tve-u-17f08e2efa7" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ad6"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e32"><span data-preserver-spaces="true" data-css="tve-u-17f08e2efa8">Policy Perks</span></span></span></h2><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ad9"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e34"><span data-preserver-spaces="true">Pacific Life offers excellent coverage for its riders, and some of its riders are included in the insurance plan.</span></span></span></p><h3 data-css="tve-u-17f08e3fd08" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28adc"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e37"><span data-preserver-spaces="true" data-css="tve-u-17f08e3fd0b">Options for Policy Conversion</span></span></span></h3><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28adf"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e39"><span data-preserver-spaces="true">Term life customers can switch to a permanent policy until up to ten years from the start date of the policy.</span></span></span></p><h4 data-css="tve-u-17f08e39d0b" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ae2"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e3b"><span data-preserver-spaces="true" data-css="tve-u-17f08e39d0f">Accelerated Death Benefit Rider</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ae6"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e3d"><span data-preserver-spaces="true">If you have the misfortune of being diagnosed with a terminal illness, you might be entitled to a portion of the death benefits to cover medical bills and end-of-life costs. This rider is included for free with the promised term.</span></span></span></p><h4 data-css="tve-u-17f08e37812" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28ae9"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e3f"><span data-preserver-spaces="true" data-css="tve-u-17f08e37815">Child Protection Rider</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aec"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e41"><span data-preserver-spaces="true">This rider provides life cover for children from 15 days up until they reach age 18. Coverage can range from as low as $100 to as high as $10K.</span></span></span></p><h4 data-css="tve-u-17f08e36490" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28aef"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e43"><span data-preserver-spaces="true" data-css="tve-u-17f08e36496">Waiver of Premium Rider for Disability</span></span></span></h4><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28af2"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e46"><span data-preserver-spaces="true">If you are totally disabled due to an accident or other qualifying event, you will be exempted from paying your monthly premium for a set period. This rider may lasts the length of your policy, or not, as it terminates at age 65.</span></span></span></p><h2 data-css="tve-u-17f08e44bc3" class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28af5"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e48"><span data-preserver-spaces="true" data-css="tve-u-17f08e44bc6">Pricing</span></span></span></h2><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28af8"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e4a"><span data-preserver-spaces="true">Pacific Life offers some of the best rates for term life insurance. Furthermore, the level premiums offered by their term life insurance plans provide consistent coverage throughout the duration. The available riders also add value. The promise term plans include a guaranteed accelerated death benefit at no extra cost, making these policies very attractive for most people.</span></span></span></p><h4 class=""><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28afb"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539eb9e4c"><span data-preserver-spaces="true">Affordable Plans at Every Age</span></span></span></h4><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);" data-css="tve-u-18539a28afe">Pacific Life offers competitive prices for every age group. The following table shows the cost of a 20 year, $250,000 insurance policy for a healthy man and woman.</span></p></div><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width:1029; --tve-border-width:10px;" data-css="tve-u-17f08facd19"><div class="tcb-flex-row v-2 tcb--cols--2" data-css="tve-u-1853ee60be1"><div class="tcb-flex-col" data-css="tve-u-1853eeed6ac" style=""><div class="tcb-col" style=""><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853eef73d7"><p style="text-align: center; color: rgb(255, 255, 255) !important; --tcb-applied-color:rgb(255, 255, 255) !important;" data-css="tve-u-17f08eafc33"><strong>Men</strong></p></div><div class="thrv_wrapper thrv_table tcb-fixed" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f08e6ef95"><table class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-rows="10" data-cols="2" data-css="tve-u-17f08e6ef96" data-v="middle"><thead data-css="tve-u-17f08e6ef97"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-17f08e6ef98" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6ef99"><p data-css="tve-u-17f08e6ef9a" style="color: rgb(0, 0, 0) !important; --tcb-applied-color:rgb(0, 0, 0) !important;">Age</p></div></th><th class="tve_table_cell" data-css="tve-u-17f08e6ef9b" style=""><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f08e6ef9c" style="color: rgb(0, 0, 0) !important; --tcb-applied-color:rgb(0, 0, 0) !important;">Rate</p></div></th></tr></thead><tbody data-css="tve-u-17f08e6efa3"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb7745" data-th="Age" style="" rowspan="1" colspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">25</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb776e" data-th="Rate" style="" rowspan="1" colspan="1"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$13</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08e6efac" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08e6efad" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$13</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08e6efb2" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">35</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08e6efb3" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$13</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb774b" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">40</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb7774" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"><p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$19</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb774d" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">45</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb7776" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$28</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb7750" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">50</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb7779" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$41</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb7752" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">55</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb777b" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$65</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08fb7755" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">60</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08fb777e" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$110</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08e6efb8" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">65</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08e6efb9" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08e6efa5"> <p data-css="tve-u-17f08e6efa6" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$210</p></div></td></tr></tbody></table></div></div></div><div class="tcb-flex-col"><div class="tcb-col" style=""><div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1853eefaa87"><p style="text-align: center;" data-css="tve-u-17f08eb3a7b"><strong>Women</strong></p></div><div class="thrv_wrapper thrv_table tcb-fixed" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f08ea501f"><table data-rows="10" data-cols="2" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f08ea5022" data-v="middle"><thead data-css="tve-u-17f08ea5023"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-17f08ea5025" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5027"><p data-css="tve-u-17f08ea5028" style="">Age</p></div></th><th class="tve_table_cell" data-css="tve-u-17f08ea502a" style=""><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f08ea502b" style="">Rate</p></div></th></tr></thead><tbody data-css="tve-u-17f08ea502d"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea502f" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"><p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">25</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5034" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5035"><p data-css="tve-u-17f08ea5037" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$12</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea5038" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea503a"><p data-css="tve-u-17f08ea503c" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">30</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea503d" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea503f"><p data-css="tve-u-17f08ea5041" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$12</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea5042" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5044"><p data-css="tve-u-17f08ea5045" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">35</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5047" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5049"><p data-css="tve-u-17f08ea504a" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$13</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea504d" data-th="Age" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea504f"><p data-css="tve-u-17f08ea5050" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">40</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5052" data-th="Rate" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5054"><p data-css="tve-u-17f08ea5055" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$16</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea5057" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5058"> <p data-css="tve-u-17f08ea505a" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">45</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea505c" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"> <p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$23</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea505d" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea505f"> <p data-css="tve-u-17f08ea5061" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">50</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5062" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"> <p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$32</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea5064" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5065"> <p data-css="tve-u-17f08ea5067" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">55</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5069" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"> <p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$50</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea506a" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea506c"> <p data-css="tve-u-17f08ea506e" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">60</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea506f" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"> <p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$78</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08ea5071" data-th="Age" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5072"> <p data-css="tve-u-17f08ea5074" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">65</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08ea5076" data-th="Rate" rowspan="1" colspan="1" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f08ea5030"> <p data-css="tve-u-17f08ea5032" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">$137</p></div></td></tr></tbody></table></div></div></div></div></div><div class="thrv_wrapper thrv_text_element"><p style="" data-css="tve-u-17f08ed06fb"><strong><span style="--tcb-applied-color: rgb(106, 107, 108) !important; color: rgb(24, 25, 27);">Premiums are in large part dictated by Health Conditions</span></strong></p><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Of course, Pacific life insurance rates can still fluctuate depending on your health conditions and may increase if you smoke cigarettes. The policy will be cheapest for people without any smoking-related health issues, including sleep apnea, high cholesterol, and anxiety and depression.</span></p><h2 style="" data-css="tve-u-17f08f07580" class=""><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Financial Ratings</span></h2><h3 style="" data-css="tve-u-17f08f02252" class=""><span style="color: rgb(24, 25, 27);"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;"><span data-preserver-spaces="true" data-css="tve-u-17f08f02255">Pacific Life has a reputation for providing high-quality products and services. As a result, people feel confident in buying life insurance from Pacific Life.</span></span></span></h3><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);">Pacific Life is highly ranked by third party sources, including:</span></p></div><div class="thrv_wrapper thrv_table tcb-fixed" data-ct-name="Simple 02" data-ct="table-39114" data-element-name="Table" data-css="tve-u-17f08c8f209"><table data-rows="5" data-cols="2" class="tve_table tcb-fixed tve_table_flat tve_no_inner_border" data-css="tve-u-17f08c8f208" data-v="middle"><thead data-css="tve-u-17f08c8f20a"><tr class="tve_table_row"><th class="tve_table_cell" data-css="tve-u-17f084c2f3c" style=""><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f3d"><p data-css="tve-u-17f08c8f20f"><strong> Agency</strong></p></div></th><th class="tve_table_cell" data-css="tve-u-17f084c2f3f" style=""><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f08c8f210"><strong>Rating</strong></p></div></th></tr></thead><tbody data-css="tve-u-17f08c8f20d"><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08c8f21a" data-th=" Agency"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A.M. Best</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08c8f21f" data-th="Rating"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">A+</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08c8f21b" data-th=" Agency"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Fitch Ratings</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08c8f220" data-th="Rating"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">AA-</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08c8f21c" data-th=" Agency"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">standard & Poors</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08c8f221" data-th="Rating"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">AA-</p></div></td></tr><tr class="tve_table_row"><td class="tve_table_cell" data-css="tve-u-17f08c8f21e" data-th=" Agency"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">Comdex</p></div></td><td class="tve_table_cell" data-css="tve-u-17f08c8f222" data-th="Rating"><div class="thrv_wrapper thrv_text_element" data-css="tve-u-17f084c2f49"><p data-css="tve-u-17f08c8f211" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;">93</p></div></td></tr></tbody></table></div><div class="thrv_wrapper thrv_text_element"><p data-css="tve-u-17f08ee1d43" style=""><strong><span data-preserver-spaces="true" data-css="tve-u-18539a60c56" style="color: rgb(24, 25, 27);">Customer reviews and Ratings</span></strong></p><p><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);" data-css="tve-u-18539a60c58">Pacific Life was named seventh overall among 23 insurance companies in J.D. Power's 2020 U.S. life insurance study. These high financial ratings give Pacific Life a reliable, trustworthy reputation.</span></p><p style="" data-css="tve-u-17f08ef5a2e"><span data-preserver-spaces="true" style="color: rgb(24, 25, 27);" data-css="tve-u-18539a60c5a">Pacific Life has an excellent history of customer service, receiving far fewer complaints than companies of a similar size.</span></p><h3 class="" style="color: rgb(24, 25, 27) !important; --tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f08ef1ea6"><span data-preserver-spaces="true" style="font-size: 19px; --tcb-applied-color:rgb(24, 25, 27) !important;" data-css="tve-u-17f08eef9be">The NAIC tracks complaints submitted to state agencies and rates them according to their severity. A score of 1 is average. Pacific Life had an average score of 0.09, which means they received fewer customer complaints than most other companies of similar size.</span></h3></div><div class="thrv_wrapper thrv_text_element"> <h2 style="" data-css="tve-u-17f08fce5e7" class=""><strong><span data-preserver-spaces="true" data-css="tve-u-18539a6d85c" style="color: rgb(24, 25, 27);">Pacific Life: Conclusion</span></strong></h2><p style="" data-css="tve-u-17f08fd0e0a"><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a6d85d"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539a6d85f"><span data-preserver-spaces="true" data-css="tve-u-17f0902878b">Pacific Life  is an outstanding insurance company. </span></span></span></p><p><span style="color: rgb(24, 25, 27);" data-css="tve-u-18539a6d861"><span style="--tcb-applied-color: rgb(24, 25, 27) !important;" data-css="tve-u-18539a6d862"><span data-css="tve-u-17f0902878d"><span data-preserver-spaces="true">If you're healthy or if you have some health issues, Pac Life is worth a look. In any case, where there's a question about your health insurance plan, the best advice is always to speak with an experienced agency like Bequest Mutual that has access to many carriers.</span></span></span></span></p><p data-css="tve-u-17f08667519"><span data-preserver-spaces="true" data-css="tve-u-17f0902878f" style="color: rgb(24, 25, 27);">We're happy to help you with your Lincoln Financial life insurance needs. We hope it helps, and we hope you contact us if you have any questions.</span></p></div><div class="tcb_flag" style="display: none"></div>
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