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These quotes are the lowest rates available from the life insurance company selected. Not all policies are available in all states. Rates can differ from these based on age, sex, state availability, weight, blood pressure, diabetes, cancer, drug use, tobacco use, medications, heart problems, alcoholism, hazardous vocation or avocation, current military service, travel, aviation, family history, etc.

Term Access, Inc. is a domestic U.S. insurance agency. In California, Term Access, Inc. operates under the dba Term Access of California Insurance Services - 0C38891; in Texas, Term Access of Texas, Inc. - 16462, in Utah, Term Access Insurance Agency - 7320. Offered by Jodie M. Steiner in Florida, Georgia, Tennessee, and Texas. Jodie M. Steiner is a licensed agent where Term Access, Inc. is licensed. Term Access, Inc. holds licenses in the following states: AZ, CO, CA, FL, GA, IL, IN, LA, MI, MO, NM, NC, OH, TN, TX, UT, and WI. Term Access, Inc.'s license numbers are: CO 44879 and LA 265180, other state license numbers are available upon request.

Financial Strength Rating Information: Each independent rating organization has assigned its rating based on a variety of factors, including operating perfomance, asset quality, financial flexibility, and capitalization, and relationship to its parent company. All companies represented are within the top 4 ratings of each independent rating organization; A.M. Best: 15 total ratings, Standard & Poor's: 21 total ratings, Moody's: 21 total ratings, Fitch: 22 total ratings.

 Rank  A.M. Best  Standard & Poor's  Moody's  Fitch 
 1  A++ = Superior  AAA = Extremely Strong  Aaa = Exceptional  AAA = Exceptionally Strong
 2  A+ = Superior  AA+ = Very Strong  Aa1 = Excellent  AA+ = Very Strong
 3  A = Excellent  AA = Very Strong  Aa2 = Excellent  AA = Very Strong
 4  A- = Excellent  AA- = Very Strong  Aa3 = Excellent

 AA- = Very Strong

 

 

 

 

American General Life Companies: A.M. Best A (Excellent, 3rd highest of 15 ratings), Standard & Poor's A+ (Strong, 5th highest of 21 ratings), Moody's Aa3 (Excellent, 4th highest of 21 ratings), Fitch AA- (Very Strong, 4th highest of 22 ratings), as of March 2, 2009. To review current ratings see www.aiglifebrokerage.com 

Genworth Life and Annuity Insurance Company: A.M. Best A (Excellent, 3rd highest of 15 ratings), Standard & Poor's A (Strong 6th highest of 21 ratings), Moody's A2 (Good, 6th highest of 21 ratings), Fitch A- (Strong, 7th highest of 22 ratings), as of April 23, 2009. To review current ratings see www.Genworth.com

ING ReliaStar Life: A.M. Best A (Excellent, 3rd highest of 15 ratings), Standard & Poor's AA- (Very Strong, 4th highest of 21 ratings), Moody's A1 (Good, 5th highest of 21 ratings), Fitch AA- (Very Strong, 4th highest of 22 ratings), as of April 24, 2009. To review current ratings see www.ing.com/us

West Coast Life Insurance Company (Parent company - Protective Life Insurance Company): A.M. Best A+ (Superior, 2nd highest of 15 ratings). Standard & Poor's AA- (Very Strong, 4th highest of 21 ratings), Moody's A2(Good 6th highest of 21 ratings), Fitch A+(Strong, 5th highest of 22 ratings, as of February 2009. To review current ratings see www.westcoastlife.com

Premium quotes may include: American General Life Companies, Houston, TX - LTG Ultra 10, 15, 20 and 30 on Form AGLC100240; LTC Ultra-C 10, 15, 20 and 30 on Form AGLC100240; Elite Universal Life G on Form AGLC100565; ROP Term 15, 20 and 30 on Form ROP 06001; Select-a-Term 10-30 year term periods on Form 07007. ING ReliaStar Life, Minneapolis, MN - TermSmart 10, 15, 20 and 30 on Form 136416. Genworth Life and Annuity Insurance Company, Lynchburg, VA - Colony 5, 10, 15, 20 and 30 on Form GEFA-599. West Coast Life Insurance Company, San Francisco, CA - Focus 10, 15, 20, 25 and 30 on Form 051131700.