SAVE MONEY.
CUSTOMIZE COVERAGE.
SELL THE RIGHT AMOUNT.
HOW DO YOU LIKE THEM APPLES?
Ladder 10, 15, and 20-year riders on OPTerm and Penn Term base plans.
- No rider policy fees.
- Same bands as OPTerm/Penn Term base plans.
- Rates based on individual rider face.
- Consolidated billing.
- Full commissions.
- Multiple riders of shorter durations can be laddered.
- Separately convertible while in force.
- Coverage and premiums drop after the rider expires.
- Underwriting based on total face amount including riders.
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BANNER. WILLIAM PENN.
YOUR COMPANY FOR LIFE.™
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Legal & General America life insurance products are issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Garden City, NY. Banner is licensed to do business in 49 states and District of Columbia. William Penn does business exclusively in New York; Banner does not solicit business there. The Term Rider provides additional temporary life insurance coverage for a specified number of years after which coverage provided by this rider will cease. Banner and William Penn term rider form AIR (1-11). Banner term rider effective 06.06.2011. William Penn term rider effective 08.24.11. State variations apply. Not available in all states. The no-cost Medical Second Opinion is administered by MediGuide America. Policy form MMGR (12-09) and state variations. Available only in approved jurisdictions. The service is not guaranteed for the duration of the policy. Not for public distribution. For agent/broker use only. 11-205
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