We believe products should be easy to understand and easier to recommend. That's why we continue to improve our term product to maximize its value for clients everywhere:

• Our lower prices put us in the top 5 86%¹ of the time in monthly premium scenarios and 82%¹ of the time in annual premium scenarios. (Please note, iGo defaults to annual premium quotes. Be sure to change to monthly premium quotes to see Classic Choice term's most competitive rates.)
• 35- and 40-year term periods make us one of only three carriers in the market to have level term coverage for up to 40 years.
• We now offer faster term protection for even more people—check out our new underwriting improvements for clients 50 and under who are seeking up to $1 million in coverage.
• Protective Velocity, our suite of digital solutions, makes submission to commission even faster and easier.

Transition Rules

• For paper business: signed applications must be received on or before June 30, 2025.
• For electronic ticket business and direct writers: applications must be signed and received on or before July 11, 2025.
• Any application in Underwriting on June 16, 2025 may choose the version of the product (old or new) but will retain the rates they are initially quoted unless otherwise requested up until the case has been approved.
• New York does NOT have a rate change, however the plan codes are changing, so they will follow the above rules.