James Stagnitta Quote

Cary A. Levinson & Assoc. Inc.
Age 70, Male, Colorado
10 Years $25,000
Term Life Insurance

Standard Non-Tobacco · Actual Age: 70
AM Best A- iGO e-App XRAE
Description
No description available.
Conversion Information
No conversion information available.
Underwriting Requirements
No underwriting requirements available.
Pay Options
Annual $517.75 Semi-Annual $264.05 Quarterly $136.69 Monthly $45.04
Page 1 of 49 10/24/2018 02:07 PM
10 Years $25,000
Trendsetter Super
Standard Non-Smoker · Actual Age: 70
AM Best A+ iGO e-App XRAE
Description
Pay Options
Page 2 of 49 10/24/2018 02:07 PM
10 Years $25,000
Trendsetter Super
Description
Pay Options
Page 3 of 49 10/24/2018 02:07 PM
10 Years $100,000
ANICO Signature Term

Standard Nicotine Non-User · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Annual $1,674.00 Semi-Annual $862.11 Quarterly $443.61 Monthly $144.63
Page 4 of 49 10/24/2018 02:07 PM
10 Years $100,000
Promise Term
Standard No Nicotine Use · Age Nearest: 70
Description
Upon request, your client may convert all or a part of the PL Promise Term policy's death bene䟻�t to a new permanent life insurance (also known as cash
value life insurance) the Paci䟻�c Life makes available at the time of conversion. This conversion right is available for the duration of the guaranteeed level
premium product, or up to the insured's age 70, whichever comes 䟻�rst. Evidence of insurability is not required. For policies issued at the insured's age 71
or above, there is no conversion privilege. The conversion must meet company rules at the time of the conversion.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Senior Supplement Screen
Pay Options
Page 5 of 49 10/24/2018 02:07 PM
10 Years $100,000
OPTerm
Standard Non-Tobacco · Age Nearest: 70
Description
OPTerm is a renewable and convertible term life insurance policy which provides a level death bene䟻�t.
Convertible for the duration of the guaranteed level premium period or up to attained age 70, whichever comes 䟻�rst. Policies issued at age 66 or over are
convertible during the 䟻�rst 䟻�ve policy years.
Attending Physician Statement Paramedical Exam Motor Vehicle Report Full blood pro䟻�le and urinalysis
Pay Options
Page 6 of 49 10/24/2018 02:07 PM
10 Years $100,000
Protective Classic Choice Term

NonTobacco · Age Nearest: 70
Description
Protective Classic Choice Term, policy form number ICC16-TL 21/TL-21, and state variations thereof, is a level death bene䟻�t term life insurance policy to
age 90, issued by Protective Life Insurance Company, Birmingham, AL. In New York, Protective Classic Choice Term, policy form number TL-21-NY 4-16, is
a level death bene䟻�t term life insurance policy to age 90, issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Policy form
numbers, product features and availability may vary by state. Consult policies for bene䟻�ts, riders, limitations and exclusions. Subject to underwriting. Up
to a two-year contestable and suicide period. Bene䟻�ts adjusted for misstatements of age of sex. In Montana, unisex rates apply. Premiums increase
annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance
Company.
Full and partial conversion rights expire at the anniversary nearest the Insured’s 70th birthday or the level premium term period minus two years,
whichever comes 䟻�rst. Base Plan - Standard/Basic - Expanded 10 Year - Up to 8 Years - Policy Years 1 – 5 15 Year - Up to 13 Years - Policy Years 1 – 5
20/25/30 Year - Up to 18 Years - Policy Years 1 – 5 Basic Conversion Products include any permanent products made available for conversion. Expanded
Conversion Products include Basic Conversion Products and selected currently marketed permanent products made available for conversion. Not
available in New York. All available products are reviewed annually therefore product availability is subject to change.
Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam
Pay Options
Page 7 of 49 10/24/2018 02:07 PM
10 Years $100,000
Protective Custom Choice UL

Description
Flexible-premium universal life insurance for clients desiring a񔁑ordable coverage without cash-value accumulation.
Pay Options
Page 8 of 49 10/24/2018 02:07 PM
10 Years $100,000
ADDvantage Gen 8
Description
North American guarantees the current initial premiums for the speci䟻�ed number of years (10, 15, 20, 30)
ADDvantage o񔁑ers 䟻�ve underwriting classi䟻�cations that provide economical rates for clients who meet reasonable underwriting requirements. With
marketable features and competitive rates, ADDvantage can o񔁑er your clients a񔁑ordable protection and invaluable peace of mind.
Allowed during the level premium period of the policy, or through age 74 (whichever is earlier), but never less than 䟻�ve years
Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report Prescription database check
Pay Options
Page 9 of 49 10/24/2018 02:07 PM
10 Years $100,000
AG Select A Term
AM Best A iGO e-App XRAE
Description
Term Product
AG Select-A-Term policies may be converted to a level-premium, level-death bene䟻�t permanent life insurance plan of the company's choosing during
the conversion period without evidence of insurability.
The conversions period extends to the earlier of the end of the level-premium period or the insured's attainment of age 70.
Paramedical Exam Agent Certi䟻�cation form Full blood pro䟻�le and urinalysis
Pay Options
Page 10 of 49 10/24/2018 02:07 PM
10 Years $100,000
Level Term
Standard Non-Nicotine · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Page 11 of 49 10/24/2018 02:07 PM
10 Years $100,000
Your Term
AM Best A iGO e-App
Description
Guaranteed level term life insurance available on a non-medical and medically underwritten basis. 10, 15, 20, 25, 30 year year available for all
underwriting classes
Minimum premium amounts: Monthly: $10 Quarterly: $30 Semi-annual: $60 Annual: $120
Owner can convert to a new permanent life insurance certi䟻�cate (without evidence of insurability) until the earlier of the certi䟻�cate anniversary on which
the insured is age 65 or 5 years prior to the end of the initial term period.
Blood Pro䟻�le Paramedical Exam
Pay Options
Page 12 of 49 10/24/2018 02:07 PM
10 Years $100,000
Term Life Insurance

Description
Pay Options
Page 13 of 49 10/24/2018 02:07 PM
10 Years $100,000
Term Life Answers - Brokerage

Description
Guaranteed Level Term - 10, 15, 20, or 30 years.
The 10-year policy may be converted any time up to age 75. Policies issued at age 74 or 75 have a 2-year conversion window. The 15- and 20-year term
policies can be converted before age 75. Term Life Answers 30 may be converted in the 䟻�rst 20 policy years.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Pharmaceutical Check
Pay Options
Annual $1,972.50 Semi-Annual $1,025.70 Quarterly $542.44 Monthly $172.59
Page 14 of 49 10/24/2018 02:07 PM
10 Years $100,000
Trendsetter Super
Description
Pay Options
Page 15 of 49 10/24/2018 02:07 PM
10 Years $100,000
Trendsetter Super
Description
Pay Options
Page 16 of 49 10/24/2018 02:07 PM
10 Years $100,000
Accordia Term
Standard NonTobacco · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Page 17 of 49 10/24/2018 02:07 PM
10 Years $100,000
Term Essential
Non-Smoker · Actual Age: 70
Description
Term Essential o񔁑ers guaranteed level death bene䟻�t coverage with four level premium periods (10, 15, 20 or 30 years). Premiums are guaranteed for
level premium period only, at the end of the guaranteed level premium period premiums increase annually and are no longer guaranteed. Preferred
Underwriting rules apply; eligible for submission through PruXpress.
Convertible to the lesser of level premium period (LPP) or to the 䟻�rst policy anniversary on or after the Insured’s 65th birthday, but at least 5 years. Partial
conversions are permitted. Term Conversion Premium Credit is not available.
Paramedical Exam Full blood pro䟻�le and urinalysis
Pay Options
Page 18 of 49 10/24/2018 02:07 PM
10 Years $100,000
Sage 10/15/20 Term- Fully Underwritten

AM Best A-
Description
Pay Options
Page 19 of 49 10/24/2018 02:07 PM
10 Years $100,000
FLX Living Bene䟻�ts Term

AM Best A XRAE
Description
Pay Options
Page 20 of 49 10/24/2018 02:07 PM
10 Years $100,000
Term with (built-in) Vitality PLUS

Standard Non Smoker · Age Nearest: 70
Description
Pay Options
Page 21 of 49 10/24/2018 02:07 PM
10 Years $100,000
Trendsetter LB
Description
Pay Options
Page 22 of 49 10/24/2018 02:07 PM
10 Years $100,000
Trendsetter LB
Description
Pay Options
Page 23 of 49 10/24/2018 02:07 PM
10 Years $100,000
Term Elite
Description
Pay Options
Page 24 of 49 10/24/2018 02:07 PM
10 Years $100,000
John Hancock Term

Description
Guaranteed Level Premium Term (10, 15, or 20 year)
John Hancock Term conversion period is the lesser of the end of the level term period or attainment of age 70. Term is convertible in the 䟻�rst 4 policy
years to any single life permanent product o񔁑ered for sale by John Hancock at the time of conversion. In policy years 5 through the end of the level term
period, the policy owner can convert to a product designated for conversions.br> •Clients whose Term insurance premiums are being waived under the
Total Disability Waiver or the Unemployment Waiver of Premium Protection Rider may convert their policy to a permanent plan; however, they cannot
purchase the Total Disability or the employment Waiver of Premium Protection Rider on the permanent policy.
• Certain supplementary bene䟻�ts or riders, including the Long-Term Care (LTC) rider, may be added on conversion subject to underwriting.
• If the insured has multiple Term policies, they may convert each to a separate new permanent policies subject to the regular conversion rules. Multiple
Term policies cannot be combined and converted to one permanent individual policy.
• There is no conversion option for issue age 70 and above.
Blood Pro䟻�le Resting EKG Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report
Pay Options
Page 25 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term Insurance
Description
Provides life insurance protection for a guaranteed level period at an a񔁑ordable cost.
Policy conversion period (10YT: 䟻�rst seven policy years; 15YT: 䟻�rst 12 policy years; 20YT: 䟻�rst 15 policy years; 30YT: 䟻�rst 20 policy years) or until the
insured's attained age 70, whichever is earlier. The additional charge of the Conversion Extension Rider extends the option to convert to the earlier of the
level premium period or attained age 70 without evidence of insurability.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report Mature Age Questionnaire
Pay Options
Page 26 of 49 10/24/2018 02:07 PM
10 Years $222,000
Carrier Ful䟻�llment Term Insurance

Description
Provides life insurance protection for a guaranteed level period at an a񔁑ordable cost.
Policy conversion period (10YT: 䟻�rst seven policy years; 15YT: 䟻�rst 12 policy years; 20YT: 䟻�rst 15 policy years; 30YT: 䟻�rst 20 policy years) or until the
insured's attained age 70, whichever is earlier. The additional charge of the Conversion Extension Rider extends the option to convert to the earlier of the
level premium period or attained age 70 without evidence of insurability.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report Mature Age Questionnaire
Pay Options
Page 27 of 49 10/24/2018 02:07 PM
10 Years $222,000
ANICO Signature Term

Standard Nicotine Non-User · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Page 28 of 49 10/24/2018 02:07 PM
10 Years $222,000
Promise Term
Standard No Nicotine Use · Age Nearest: 70
Description
Upon request, your client may convert all or a part of the PL Promise Term policy's death bene䟻�t to a new permanent life insurance (also known as cash
value life insurance) the Paci䟻�c Life makes available at the time of conversion. This conversion right is available for the duration of the guaranteeed level
premium product, or up to the insured's age 70, whichever comes 䟻�rst. Evidence of insurability is not required. For policies issued at the insured's age 71
or above, there is no conversion privilege. The conversion must meet company rules at the time of the conversion.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Senior Supplement Screen
Pay Options
Page 29 of 49 10/24/2018 02:07 PM
10 Years $222,000
OPTerm
Description
OPTerm is a renewable and convertible term life insurance policy which provides a level death bene䟻�t.
Convertible for the duration of the guaranteed level premium period or up to attained age 70, whichever comes 䟻�rst. Policies issued at age 66 or over are
convertible during the 䟻�rst 䟻�ve policy years.
Attending Physician Statement Paramedical Exam Motor Vehicle Report Full blood pro䟻�le and urinalysis
Pay Options
Page 30 of 49 10/24/2018 02:07 PM
10 Years $222,000
Protective Classic Choice Term

Description
Protective Classic Choice Term, policy form number ICC16-TL 21/TL-21, and state variations thereof, is a level death bene䟻�t term life insurance policy to
age 90, issued by Protective Life Insurance Company, Birmingham, AL. In New York, Protective Classic Choice Term, policy form number TL-21-NY 4-16, is
a level death bene䟻�t term life insurance policy to age 90, issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Policy form
numbers, product features and availability may vary by state. Consult policies for bene䟻�ts, riders, limitations and exclusions. Subject to underwriting. Up
to a two-year contestable and suicide period. Bene䟻�ts adjusted for misstatements of age of sex. In Montana, unisex rates apply. Premiums increase
annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance
Company.
Pay Options
Annual $3,738.85 Semi-Annual $1,944.20 Quarterly $1,009.49 Monthly $319.68
Page 31 of 49 10/24/2018 02:07 PM
10 Years $222,000
Protective Custom Choice UL

Description
Flexible-premium universal life insurance for clients desiring a񔁑ordable coverage without cash-value accumulation.
Pay Options
Page 32 of 49 10/24/2018 02:07 PM
10 Years $222,000
ADDvantage Gen 8
Description
North American guarantees the current initial premiums for the speci䟻�ed number of years (10, 15, 20, 30)
ADDvantage o񔁑ers 䟻�ve underwriting classi䟻�cations that provide economical rates for clients who meet reasonable underwriting requirements. With
marketable features and competitive rates, ADDvantage can o񔁑er your clients a񔁑ordable protection and invaluable peace of mind.
Allowed during the level premium period of the policy, or through age 74 (whichever is earlier), but never less than 䟻�ve years
Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report Prescription database check
Pay Options
Page 33 of 49 10/24/2018 02:07 PM
10 Years $222,000
AG Select A Term
AM Best A iGO e-App XRAE
Description
Term Product
AG Select-A-Term policies may be converted to a level-premium, level-death bene䟻�t permanent life insurance plan of the company's choosing during
the conversion period without evidence of insurability.
The conversions period extends to the earlier of the end of the level-premium period or the insured's attainment of age 70.
Paramedical Exam Agent Certi䟻�cation form Full blood pro䟻�le and urinalysis
Pay Options
Page 34 of 49 10/24/2018 02:07 PM
10 Years $222,000
Level Term
Standard Non-Nicotine · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Page 35 of 49 10/24/2018 02:07 PM
10 Years $222,000
Your Term
AM Best A iGO e-App
Description
Guaranteed level term life insurance available on a non-medical and medically underwritten basis. 10, 15, 20, 25, 30 year year available for all
underwriting classes
Minimum premium amounts: Monthly: $10 Quarterly: $30 Semi-annual: $60 Annual: $120
Owner can convert to a new permanent life insurance certi䟻�cate (without evidence of insurability) until the earlier of the certi䟻�cate anniversary on which
the insured is age 65 or 5 years prior to the end of the initial term period.
Blood Pro䟻�le Paramedical Exam
Pay Options
Page 36 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term Life Insurance

Description
Pay Options
Page 37 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term Life Answers - Brokerage

Description
Guaranteed Level Term - 10, 15, 20, or 30 years.
The 10-year policy may be converted any time up to age 75. Policies issued at age 74 or 75 have a 2-year conversion window. The 15- and 20-year term
policies can be converted before age 75. Term Life Answers 30 may be converted in the 䟻�rst 20 policy years.
Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Pharmaceutical Check
Pay Options
Page 38 of 49 10/24/2018 02:07 PM
10 Years $222,000
Trendsetter Super
Description
Pay Options
Page 39 of 49 10/24/2018 02:07 PM
10 Years $222,000
Trendsetter Super
Description
Pay Options
Page 40 of 49 10/24/2018 02:07 PM
10 Years $222,000
Accordia Term
Standard NonTobacco · Age Nearest: 70
AM Best A XRAE
Description
Pay Options
Page 41 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term Essential
Description
Term Essential o񔁑ers guaranteed level death bene䟻�t coverage with four level premium periods (10, 15, 20 or 30 years). Premiums are guaranteed for
level premium period only, at the end of the guaranteed level premium period premiums increase annually and are no longer guaranteed. Preferred
Underwriting rules apply; eligible for submission through PruXpress.
Convertible to the lesser of level premium period (LPP) or to the 䟻�rst policy anniversary on or after the Insured’s 65th birthday, but at least 5 years. Partial
conversions are permitted. Term Conversion Premium Credit is not available.
Paramedical Exam Full blood pro䟻�le and urinalysis
Pay Options
Page 42 of 49 10/24/2018 02:07 PM
10 Years $222,000
Sage 10/15/20 Term- Fully Underwritten

AM Best A-
Description
Pay Options
Page 43 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term with (built-in) Vitality PLUS

Description
Pay Options
Page 44 of 49 10/24/2018 02:07 PM
10 Years $222,000
FLX Living Bene䟻�ts Term

AM Best A XRAE
Description
Pay Options
Page 45 of 49 10/24/2018 02:07 PM
10 Years $222,000
Trendsetter LB
Description
Pay Options
Page 46 of 49 10/24/2018 02:07 PM
10 Years $222,000
Trendsetter LB
Description
Pay Options
Page 47 of 49 10/24/2018 02:07 PM
10 Years $222,000
Term Elite
Description
Pay Options
Page 48 of 49 10/24/2018 02:07 PM
10 Years $222,000
John Hancock Term

Description
Guaranteed Level Premium Term (10, 15, or 20 year)
John Hancock Term conversion period is the lesser of the end of the level term period or attainment of age 70. Term is convertible in the 䟻�rst 4 policy
years to any single life permanent product o񔁑ered for sale by John Hancock at the time of conversion. In policy years 5 through the end of the level term
period, the policy owner can convert to a product designated for conversions.br> •Clients whose Term insurance premiums are being waived under the
Total Disability Waiver or the Unemployment Waiver of Premium Protection Rider may convert their policy to a permanent plan; however, they cannot
purchase the Total Disability or the employment Waiver of Premium Protection Rider on the permanent policy.
• Certain supplementary bene䟻�ts or riders, including the Long-Term Care (LTC) rider, may be added on conversion subject to underwriting.
• If the insured has multiple Term policies, they may convert each to a separate new permanent policies subject to the regular conversion rules. Multiple
Term policies cannot be combined and converted to one permanent individual policy.
• There is no conversion option for issue age 70 and above.
Blood Pro䟻�le Resting EKG Home O񔁑ce Urine Specimen Paramedical Exam Motor Vehicle Report
Pay Options
Page 49 of 49 10/24/2018 02:07 PM

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Cary A. Levinson & Assoc. Inc.

Age 70, Male, Colorado

Term Life Insurance

AM Best A- iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $517.75 Semi-Annual $264.05 Quarterly $136.69 Monthly $45.04

AM Best A+ iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $824.00 Semi-Annual $420.24 Quarterly $212.18 Monthly $70.86

AM Best A+ iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $824.00 Semi-Annual $420.24 Quarterly $212.18 Monthly $70.86

ANICO Signature Term

No conversion information available.

No underwriting requirements available.

Annual $1,674.00 Semi-Annual $862.11 Quarterly $443.61 Monthly $144.63

AM Best A+ iGO e-App XRAE

Annual $1,719.99 Semi-Annual $877.19 Quarterly $447.20 Monthly $146.20

AM Best A+ iGO e-App XRAE

Annual $1,702.84 Semi-Annual $868.45 Quarterly $442.74 Monthly $146.44

Protective Classic Choice Term

AM Best A+ iGO e-App XRAE

Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam

Annual $1,714.39 Semi-Annual $891.49 Quarterly $462.89 Monthly $146.59

Protective Custom Choice UL

AM Best A+ iGO e-App XRAE

Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam

Annual $1,723.14 Semi-Annual $876.35 Quarterly $441.93 Monthly $148.16

AM Best A+ iGO e-App XRAE

Annual $1,720.00 Semi-Annual $897.84 Quarterly $471.28 Monthly $151.36

AM Best A iGO e-App XRAE

Paramedical Exam Agent Certi䟻�cation form Full blood pro䟻�le and urinalysis

Annual $1,782.00 Semi-Annual $926.64 Quarterly $472.23 Monthly $152.36

No conversion information available.

No underwriting requirements available.

Annual $1,782.14 Semi-Annual $908.89 Quarterly $463.36 Monthly $155.05

AM Best A iGO e-App

Blood Pro䟻�le Paramedical Exam

Annual $1,812.00 Semi-Annual $924.12 Quarterly $471.12 Monthly $158.56

Term Life Insurance

AM Best A- iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $1,861.00 Semi-Annual $949.11 Quarterly $491.30 Monthly $161.91

Term Life Answers - Brokerage

AM Best A+ iGO e-App XRAE

Guaranteed Level Term - 10, 15, 20, or 30 years.

Attending Physician Statement Blood Pro䟻�le Home O񔁑ce Urine Specimen Paramedical Exam Pharmaceutical Check

Annual $1,972.50 Semi-Annual $1,025.70 Quarterly $542.44 Monthly $172.59

AM Best A+ iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $2,264.00 Semi-Annual $1,154.64 Quarterly $582.98 Monthly $194.70

AM Best A+ iGO e-App XRAE

No conversion information available.

No underwriting requirements available.

Annual $2,264.00 Semi-Annual $1,154.64 Quarterly $582.98 Monthly $194.70

No conversion information available.

No underwriting requirements available.

Annual $2,308.00 Semi-Annual $1,177.08 Quarterly $600.08 Monthly $205.41

AM Best A+ iGO e-App XRAE