For New York only
William Penn Life Insurance Company of New York OPTerm 30-Year: Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream NY. William Penn products are available exclusively in NY. Banner does not solicit business in NY. OPTerm policy form # OPTN-NY. Two-year contestability and suicide provisions apply. The William Penn life insurance premiums quoted here are based on the information provided for this quote. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. OPTerm 30 issue ages are 20-51 non-tobacco and 20-50 tobacco. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee. Premiums are guaranteed to stay level for 30 years and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 30 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of William Penn Life Insurance Company of New York. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 6-26-2018.