10 Year Term Warehouse American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart 10 John Hancock JH Term 10 Lincoln National LifeElements 10 (02/13) MetLife Investors USA GLT 10 North American ADDvantage 10 Principal Term 10 (2012) Protective Custom Choice 10 Pruco Term Essential 10 Savings Bank Life of Mass Term 10/10 Transamerica Trendsetter Super 10 United of Omaha Term Life Answers 10 American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart 10 John Hancock JH Term 10 Lincoln National LifeElements 10 (02/13) MetLife Investors USA GLT 10 North American ADDvantage 10 Principal Term 10 (2012) Protective Custom Choice 10 Pruco Term Essential 10 Savings Bank Life of Mass Term 10/10 Transamerica Trendsetter Super 10 United of Omaha Term Life Answers 10 $644 $874 $1,394 $1,784 $341 $463 $739 $946 $174 $236 $376 $482 $58 $79 $125 $161 $620 $800 $1,070 $1,380 $319 $412 $551 $711 $164 $212 $284 $366 $54 $69 $92 $119 $715 $955 $1,385 $1,685 $365 $487 $706 $859 $186 $248 $360 $438 $64 $85 $123 $150 $648 $828 $1,098 $1,348 $330 $421 $559 $686 $166 $212 $282 $346 $55 $71 $94 $115 $605 $795 $1,055 $309 $405 $538 $157 $207 $274 $53 $70 $92 $590 $780 $960 $1,250 $301 $398 $490 $638 $153 $203 $250 $325 $52 $68 $84 $109 $710 $880 $1,090 $1,400 $369 $458 $567 $728 $188 $233 $289 $371 $62 $77 $95 $123 $750 $910 $1,280 $1,720 $386 $469 $659 $886 $199 $241 $339 $456 $66 $80 $112 $151 $610 $790 $1,310 $314 $407 $675 $160 $207 $343 $54 $70 $117 $619 $909 $1,429 $328 $482 $757 $167 $245 $386 $56 $82 $129 $605 $795 $1,365 $321 $421 $723 $172 $227 $389 $53 $70 $119 $605 $795 $1,045 $1,385 $309 $405 $533 $706 $157 $207 $272 $360 $53 $70 $91 $121 $579 $763 $1,243 $295 $388 $633 $149 $196 $319 $50 $66 $107 $655 $885 $1,425 $1,895 $341 $460 $741 $985 $174 $235 $378 $502 $59 $80 $128 $171 $580 $770 $1,000 $1,220 $296 $393 $510 $622 $151 $200 $260 $317 $50 $67 $87 $106 $630 $850 $1,280 $1,510 $321 $434 $653 $770 $164 $221 $333 $393 $55 $74 $112 $132 $853 $883 $1,333 $1,373 $443 $459 $693 $714 $234 $243 $366 $377 $76 $79 $119 $122 A A A+ A2 83 10 years 10 years UL-WL Available $357 $278 $50 No Cost A A A --- 80 10 years 10 years UL-VUL-WL Available $1,190 None None No Cost Av A- A- --- 61 10 years 10 years UL Available Call Call $70 No Cost AX A+ A+ Aa3 93 10 years 10 years UL-VUL-WL Available $320 None $54 No Cost Ba A+ AA- --- 96 10 years 10 years UL Available $280 None None No Cost G A A- A3 74 10 years 10 years UL Available $290 None $55 No Cost IN A A- A3 74 10 years 10 years UL-VUL Available $320 $345 $63 No Cost Jo A+ AA- A1 93 10 years 10 years UL-VUL Available $590 None None No Cost Li A+ AA- A1 90 10 years 10 years UL-VUL Available Call None $50 No Cost M A+ AA- Aa3 95 10 years 10 years UL-VUL-WL Available $380 None None No Cost N A+ A+ --- 92 10 years 10 years UL Available $110 None $60 No Cost P A+ A+ Aa3 93 10 years 10 years UL-VUL Available $310 None $50 No Cost P A+ AA- A2 87 10 years 20 years UL Available $874 $232 $53 No Cost P A+ AA- A1 90 10 years 10 years UL-VUL Available $450 $320 $52 No Cost Sa A+ A- --- 84 10 years 10 years WL Not Available Call None $40 Not Available Tr A+ AA- A1 93 10 years 10 years UL-WL Available $290 $369 $58 No Cost U A+ A+ A1 90 10 years Age 65 UL Available $340 $300 $100 No Cost Financial data is for Year-End 2012 from the life insurance company's statutory annual statements. Ratings from A.M. Best, S & P, Moody's and Fitch current as of August 1, 2013. Comdex information will vary based on the timing of their press releases. ---- denotes no rating. Premiums include all applicable policy fees. Banner Life Standard Plus Non-Tobacco rates showing in the Standard Non-Tobacco column. Due to rounding, actual premiums could be higher or lower. This is especially possible with ING ReliaStar ROP Endowment Term and all AXA Equitable, John Hancock, Protective and Pruco plans. Illustration - (listed premium is an annual cost before modal factors are applied)
15 Year Term Warehouse American General Select-a-Term 15 American National Signature Term 15 AXA Equitable Term 15 Banner OPTerm 15 Genworth Colony Term 15 ING ReliaStar TermSmart 15 John Hancock JH Term 15 Lincoln National LifeElements 15 (02/13) MetLife Investors USA GLT 15 North American ADDvantage 15 Principal Term 15 (2012) Protective Custom Choice 15 Pruco Term Essential 15 Savings Bank Life of Mass Term 15/15 Transamerica Trendsetter Super 15 United of Omaha Term Life Answers 15 American General Select-a-Term 15 American National Signature Term 15 AXA Equitable Term 15 Banner OPTerm 15 Genworth Colony Term 15 ING ReliaStar TermSmart 15 John Hancock JH Term 15 Lincoln National LifeElements 15 (02/13) MetLife Investors USA GLT 15 North American ADDvantage 15 Principal Term 15 (2012) Protective Custom Choice 15 Pruco Term Essential 15 Savings Bank Life of Mass Term 15/15 Transamerica Trendsetter Super 15 United of Omaha Term Life Answers 15 $874 $1,034 $1,424 $1,884 $463 $548 $755 $999 $236 $279 $384 $509 $79 $93 $128 $170 $890 $1,080 $1,330 $1,800 $458 $556 $685 $927 $236 $286 $352 $477 $77 $93 $115 $156 $928 $1,118 $1,568 $1,988 $472 $569 $798 $1,012 $238 $287 $402 $510 $79 $96 $134 $170 $875 $1,045 $1,325 $446 $533 $676 $228 $272 $345 $77 $91 $116 $870 $1,040 $1,320 $1,670 $444 $530 $673 $852 $226 $270 $343 $434 $76 $91 $116 $146 $940 $1,120 $1,370 $1,840 $489 $582 $712 $957 $249 $297 $363 $488 $82 $98 $120 $161 $1,090 $1,300 $1,790 $2,350 $561 $670 $922 $1,210 $289 $345 $474 $623 $95 $114 $157 $206 $890 $1,050 $1,880 $458 $541 $968 $233 $275 $493 $79 $93 $167 $929 $1,329 $2,059 $492 $704 $1,091 $251 $359 $556 $84 $120 $185 $885 $1,095 $1,685 $469 $580 $893 $252 $312 $480 $77 $96 $147 $885 $1,075 $1,475 $1,945 $451 $548 $752 $992 $230 $280 $384 $506 $77 $94 $129 $170 $866 $1,035 $1,678 $441 $527 $854 $223 $266 $431 $75 $89 $145 $985 $1,145 $1,665 $2,305 $512 $595 $866 $1,199 $261 $303 $441 $611 $89 $103 $150 $207 $850 $1,020 $1,310 $1,630 $434 $520 $668 $831 $221 $265 $341 $424 $74 $89 $114 $142 $1,010 $1,200 $1,560 $1,910 $515 $612 $796 $974 $263 $312 $406 $497 $88 $105 $137 $167 $1,133 $1,173 $1,793 $1,853 $589 $610 $932 $963 $311 $322 $493 $509 $101 $104 $160 $165 A A A+ A2 83 15 years 15 years UL-WL Available $377 $278 $50 No Cost A A A --- 80 15 years 15 years UL-VUL-WL Available $1,190 None None No Cost AX A+ A+ Aa3 93 15 years 15 years UL-VUL-WL Available $330 None $54 No Cost Ba A+ AA- --- 96 15 years 15 years UL Available $290 None None No Cost G A A- A3 74 15 years 15 years UL Available $320 None $55 No Cost IN A A- A3 74 15 years 15 years UL-VUL Available $350 $345 $63 No Cost Jo A+ AA- A1 93 15 years 10 years UL-VUL Available $590 None None No Cost Li A+ AA- A1 90 15 years 15 years UL-VUL Available Call None $50 No Cost M A+ AA- Aa3 95 15 years 15 years UL-VUL-WL Available $470 None None No Cost N A+ A+ --- 92 15 years 15 years UL Available $140 None $60 No Cost P A+ A+ Aa3 93 15 years 15 years UL-VUL Available $340 None $50 No Cost P A+ AA- A2 87 15 years 20 years UL Available $1,181 $232 $53 No Cost P A+ AA- A1 90 15 years 15 years UL-VUL Available $780 $335 $52 No Cost Sa A+ A- --- 84 15 years 15 years WL Not Available Call None $40 Not Available Tr A+ AA- A1 93 15 years 15 years UL-WL Available $320 $369 $58 No Cost U A+ A+ A1 90 15 years Age 65 UL Available $340 $300 $100 No Cost Financial data is for Year-End 2012 from the life insurance company's statutory annual statements. Ratings from A.M. Best, S & P, Moody's and Fitch current as of August 1, 2013. Comdex information will vary based on the timing of their press releases. ---- denotes no rating. Premiums include all applicable policy fees. Banner Life Standard Plus Non-Tobacco rates showing in the Standard Non-Tobacco column. Due to rounding, actual premiums could be higher or lower. This is especially possible with ING ReliaStar ROP Endowment Term and all AXA Equitable, John Hancock, Protective and Pruco plans. Illustration - (listed premium is an annual cost before modal factors are applied)
20 Year Term Warehouse American General Select-a-Term 20 American National Signature Term 20 Aviva Life & Annuity Term 20 AXA Equitable Term 20 Banner OPTerm 20 Genworth Colony Term 20 ING ReliaStar TermSmart 20 John Hancock JH Term 20 Lincoln National LifeElements 20 (02/13) MetLife Investors USA GLT 20 North American ADDvantage 20 Principal Term 20 (2012) Protective Custom Choice 20 Pruco Term Essential 20 Savings Bank Life of Mass Term 20/20 Transamerica Trendsetter Super 20 United of Omaha Term Life Answers 20 American General Select-a-Term 20 American National Signature Term 20 Aviva Life & Annuity Term 20 AXA Equitable Term 20 Banner OPTerm 20 Genworth Colony Term 20 ING ReliaStar TermSmart 20 John Hancock JH Term 20 Lincoln National LifeElements 20 (02/13) MetLife Investors USA GLT 20 North American ADDvantage 20 Principal Term 20 (2012) Protective Custom Choice 20 Pruco Term Essential 20 Savings Bank Life of Mass Term 20/20 Transamerica Trendsetter Super 20 United of Omaha Term Life Answers 20 $1,154 $1,394 $1,944 $2,254 $612 $739 $1,030 $1,195 $312 $376 $525 $609 $104 $125 $175 $203 $1,170 $1,420 $1,960 $2,290 $603 $731 $1,009 $1,179 $310 $376 $519 $607 $101 $123 $169 $198 $1,445 $1,765 $2,405 $2,745 $737 $900 $1,227 $1,400 $376 $459 $625 $714 $129 $157 $214 $244 $1,238 $1,458 $2,038 $2,378 $630 $742 $1,037 $1,210 $318 $374 $523 $610 $106 $125 $174 $203 $1,155 $1,415 $1,955 $589 $722 $997 $300 $368 $508 $101 $124 $171 $1,150 $1,390 $1,920 $2,220 $587 $709 $979 $1,132 $299 $361 $499 $577 $101 $122 $168 $194 $1,230 $1,490 $2,020 $2,340 $640 $775 $1,050 $1,217 $326 $395 $535 $620 $108 $130 $177 $205 $1,430 $1,680 $2,350 $2,760 $736 $865 $1,210 $1,421 $379 $445 $623 $731 $125 $147 $206 $242 $1,160 $1,380 $2,230 $597 $711 $1,148 $304 $362 $584 $103 $123 $198 $1,199 $1,829 $2,399 $635 $969 $1,271 $324 $494 $648 $108 $165 $216 $1,165 $1,445 $2,265 $617 $766 $1,200 $332 $412 $646 $102 $126 $198 $1,165 $1,415 $1,955 $2,295 $594 $722 $997 $1,170 $303 $368 $508 $597 $102 $124 $171 $201 $1,149 $1,367 $2,243 $585 $696 $1,142 $295 $351 $576 $99 $118 $193 $1,305 $1,545 $2,135 $2,685 $679 $803 $1,110 $1,396 $346 $409 $566 $712 $117 $139 $192 $242 $1,140 $1,390 $1,930 $2,210 $581 $709 $984 $1,127 $296 $361 $502 $575 $99 $121 $168 $192 $1,210 $1,460 $2,000 $2,320 $617 $745 $1,020 $1,183 $315 $380 $520 $603 $106 $128 $175 $203 $1,493 $1,543 $2,363 $2,443 $776 $802 $1,229 $1,270 $410 $424 $650 $672 $133 $137 $210 $217 A A A+ A2 83 20 years 20 years UL-WL Available $451 $278 $50 No Cost A A A --- 80 20 years 20 years UL-VUL-WL Available $1,270 None None No Cost Av A- A- --- 61 20 years 20 years UL Available Call Call $70 No Cost AX A+ A+ Aa3 93 20 years 20 years UL-VUL-WL Available $400 None $54 No Cost Ba A+ AA- --- 96 20 years 20 years UL Available $350 None None No Cost G A A- A3 74 20 years 20 years UL Available $340 None $55 No Cost IN A A- A3 74 20 years 20 years UL-VUL Available $410 $345 $63 No Cost Jo A+ AA- A1 93 20 years 10 years UL-VUL Available $590 None None No Cost Li A+ AA- A1 90 20 years 20 years UL-VUL Available Call None $50 No Cost M A+ AA- Aa3 95 20 years 20 years UL-VUL-WL Available $470 None None No Cost N A+ A+ --- 92 20 years 20 years UL Available $174 None $60 No Cost P A+ A+ Aa3 93 20 years 20 years UL-VUL Available $390 None $50 No Cost P A+ AA- A2 87 20 years 20 years UL Available $1,578 $232 $53 No Cost P A+ AA- A1 90 20 years 20 years UL-VUL Available $810 $360 $52 No Cost Sa A+ A- --- 84 20 years 20 years WL Not Available Call None $40 Not Available Tr A+ AA- A1 93 20 years 20 years UL-WL Available $440 $369 $58 No Cost U A+ A+ A1 90 20 years Age 65 UL Available $340 $300 $100 No Cost Financial data is for Year-End 2012 from the life insurance company's statutory annual statements. Ratings from A.M. Best, S & P, Moody's and Fitch current as of August 1, 2013. Comdex information will vary based on the timing of their press releases. ---- denotes no rating. Premiums include all applicable policy fees. Banner Life Standard Plus Non-Tobacco rates showing in the Standard Non-Tobacco column. Due to rounding, actual premiums could be higher or lower. This is especially possible with ING ReliaStar ROP Endowment Term and all AXA Equitable, John Hancock, Protective and Pruco plans. Illustration - (listed premium is an annual cost before modal factors are applied)
30 Year Term Warehouse American General Select-a-Term 30 American National Signature Term 30 Aviva Life & Annuity Term 30 Banner OPTerm 30 Lincoln National LifeElements 30 (02/13) MetLife Investors USA GLT 30 North American ADDvantage 30 Principal Term 30 (2012) Protective Custom Choice 30 Pruco Term Essential 30 Savings Bank Life of Mass Term 30/30 Transamerica Trendsetter Super 30 United of Omaha Term Life Answers 30 American General Select-a-Term 30 American National Signature Term 30 Aviva Life & Annuity Term 30 Banner OPTerm 30 Lincoln National LifeElements 30 (02/13) MetLife Investors USA GLT 30 North American ADDvantage 30 Principal Term 30 (2012) Protective Custom Choice 30 Pruco Term Essential 30 Savings Bank Life of Mass Term 30/30 Transamerica Trendsetter Super 30 United of Omaha Term Life Answers 30 $1,924 $2,314 $2,964 $3,804 $1,020 $1,226 $1,571 $2,016 $519 $625 $800 $1,027 $173 $208 $267 $342 $1,910 $2,350 $3,140 $3,890 $984 $1,210 $1,617 $2,003 $506 $623 $832 $1,031 $165 $203 $271 $336 $2,205 $2,965 $4,005 $4,495 $1,125 $1,512 $2,043 $2,292 $573 $771 $1,041 $1,169 $196 $264 $356 $400 $1,895 $2,345 $3,185 $966 $1,196 $1,624 $493 $610 $828 $166 $205 $279 $1,940 $2,330 $3,800 $999 $1,200 $1,957 $508 $610 $996 $173 $207 $338 $2,369 $2,969 $4,369 $1,256 $1,574 $2,316 $640 $802 $1,180 $213 $267 $393 $1,955 $2,565 $3,835 $1,036 $1,359 $2,033 $557 $731 $1,093 $171 $224 $336 $1,915 $2,385 $3,155 $4,020 $977 $1,216 $1,609 $2,050 $498 $620 $820 $1,045 $168 $209 $276 $352 $2,056 $2,388 $3,915 $1,047 $1,216 $1,993 $528 $614 $1,006 $177 $206 $338 $1,965 $2,485 $3,255 $4,145 $1,022 $1,292 $1,693 $2,155 $521 $659 $863 $1,098 $177 $224 $293 $373 $1,860 $2,320 $3,090 $4,000 $949 $1,183 $1,576 $2,040 $484 $603 $803 $1,040 $162 $202 $269 $348 $1,950 $2,470 $3,190 $3,850 $995 $1,260 $1,627 $1,964 $507 $642 $829 $1,001 $171 $216 $279 $337 $2,493 $2,573 $4,013 $4,143 $1,296 $1,338 $2,087 $2,154 $685 $707 $1,103 $1,139 $222 $229 $357 $369 A A A+ A2 83 30 years Age 70 UL-WL Available $761 $278 $50 No Cost A A A --- 80 30 years Age 65 UL-VUL-WL Available $2,260 None None No Cost Av A- A- --- 61 30 years 30 years UL Available Call Call $70 No Cost Ba A+ AA- --- 96 30 years Age 70 UL Available $590 None None No Cost Li A+ AA- A1 90 30 years Age 70 UL-VUL Available Call None $50 No Cost M A+ AA- Aa3 95 30 years Age 70 UL-VUL-WL Available $480 None None No Cost N A+ A+ --- 92 30 years Age 69 UL Available $277 None $60 No Cost P A+ A+ Aa3 93 30 years Age 70 UL-VUL Available $510 None $50 No Cost P A+ AA- A2 87 30 years 20 years UL Available $2,755 $232 $53 No Cost P A+ AA- A1 90 30 years Age 65 UL-VUL Available $830 $390 $52 No Cost Sa A+ A- --- 84 30 years Age 70 WL Not Available Call None $40 Not Available Tr A+ AA- A1 93 30 years Age 70 UL-WL Available $490 $369 $58 No Cost U A+ A+ A1 90 30 years 20 years UL Available $340 $300 $100 No Cost Financial data is for Year-End 2012 from the life insurance company's statutory annual statements. Ratings from A.M. Best, S & P, Moody's and Fitch current as of August 1, 2013. Comdex information will vary based on the timing of their press releases. ---- denotes no rating. Premiums include all applicable policy fees. Banner Life Standard Plus Non-Tobacco rates showing in the Standard Non-Tobacco column. Due to rounding, actual premiums could be higher or lower. This is especially possible with ING ReliaStar ROP Endowment Term and all AXA Equitable, John Hancock, Protective and Pruco plans. Illustration - (listed premium is an annual cost before modal factors are applied)
ROP Term Warehouse with Return of Premium 15 Year ROP Pruco PruLife ROP Term 15 20 Year ROP American General ROP Select-a-Term 20 ING ReliaStar ROP Endowment 20 Pruco PruLife ROP Term 20 25 Year ROP ING ReliaStar ROP Endowment 25 30 Year ROP American General ROP Select-a-Term 30 Fidelity RD Mortgage Term 40 ROP ING ReliaStar ROP Endowment 30 Pruco PruLife ROP Term 30 $4,913 $6,038 $8,163 $9,753 $2,457 $3,019 $4,082 $4,876 $1,228 $1,510 $2,041 $2,438 $410 $504 $681 $813 $5,150 $6,480 $8,270 $8,370 $2,575 $3,240 $4,135 $4,185 $1,288 $1,620 $2,068 $2,093 $429 $540 $689 $697 $4,640 $5,850 $7,470 $8,100 $2,413 $3,042 $3,884 $4,212 $1,230 $1,550 $1,980 $2,147 $406 $512 $654 $709 $4,199 $5,040 $6,824 $8,110 $2,100 $2,520 $3,412 $4,055 $1,050 $1,260 $1,706 $2,028 $350 $420 $569 $676 $4,210 $5,230 $6,590 $7,940 $2,189 $2,720 $3,427 $4,129 $1,116 $1,386 $1,746 $2,104 $368 $458 $577 $695 $4,720 $5,760 $7,820 $9,220 $2,360 $2,880 $3,910 $4,610 $1,180 $1,440 $1,955 $2,305 $393 $480 $651 $768 Min Min Min Min Min Min Min Min $3,870 $4,600 $6,180 $7,580 $2,012 $2,392 $3,214 $3,942 $1,026 $1,219 $1,638 $2,009 $339 $403 $541 $663 $4,215 $5,018 $6,610 $8,106 $2,107 $2,509 $3,305 $4,053 $1,054 $1,255 $1,652 $2,027 $352 $419 $551 $676 Pruco PruLife ROP Term 15 P A+ AA- A1 90 15 years 10 years UL-VUL Not Available None None None Not Available American General ROP Select-a-Term 20 A A A+ A2 83 20 years 20 years UL-WL Available $1,674 $278 $50 No Cost ING ReliaStar ROP Endowment 20 IN A A- A3 74 20 years 20 years UL-VUL Available $1,290 $345 $60 No Cost Pruco PruLife ROP Term 20 P A+ AA- A1 90 20 years 10 years UL-VUL Not Available None None None Not Available ING ReliaStar ROP Endowment 25 IN A A- A3 74 25 years 25 years UL-VUL Available $1,100 $345 $60 No Cost American General ROP Select-a-Term 30 A A A+ A2 83 30 years 30 years UL-WL Available $1,844 $278 $50 No Cost Fidelity RD Mortgage Term 40 ROP A A A --- 80 40 years Age 65 WL Not Available Min Min Min Not Available ING ReliaStar ROP Endowment 30 IN A A- A3 74 30 years Age 70 UL-VUL Available $900 $345 $60 No Cost Pruco PruLife ROP Term 30 P A+ AA- A1 90 30 years 10 years UL-VUL Not Available None None None Not Available Financial data is for Year-End 2012 from the life insurance company's statutory annual statements. Ratings from A.M. Best, S & P, Moody's and Fitch current as of August 1, 2013. Comdex information will vary based on the timing of their press releases. ---- denotes no rating. Premiums include all applicable policy fees. Banner Life Standard Plus Non-Tobacco rates showing in the Standard Non-Tobacco column. Due to rounding, actual premiums could be higher or lower. This is especially possible with ING ReliaStar ROP Endowment Term and all AXA Equitable, John Hancock, Protective and Pruco plans. Illustration - (listed premium is an annual cost before modal factors are applied)
Important Regarding Underwriting Requirements American General American National Aviva Life & Annuity AXA Equitable Life Banner Life Genworth Life & Annuity ING ReliaStar Life John Hancock Life USA Lincoln National MetLife Investors USA North American Company Principal National Life Protective Life Pruco Life Savings Bank Life of Mass Transamerica Life United of Omaha The carrier reserves the right to request additional requirements at their sole discretion. A Resting EKG will also be required. Abbreviated/Simplified Complete all medical questions on both Part I & II of the application. Abbreviated/Simplified Complete all medical questions on both Part I & II of the application. A Resting EKG will also be required. Additional Information Non-Tobacco / Non-Nicotine User Each carrier has their own guidelines related to nicotine/tobacco usage. If a Proposed Insured is not currently using any nicotine/tobacco products but has used them in the last five years, you should consult with us for a more specialized quote based on the last time the Proposed Insured used a nicotine/tobacco product. The minimum period of non nicotine/tobacco usage of any kind for the illustrated premiums is 12 months. Rate Classes We do our best to match up the compared premiums listed above to the appropriate rate class headings. In some cases, a carrier will label their rate classes without regard to understood industry standards. In these situations, we will make this known in the column found to the far right of the proceeding pages.