*Sample cost based on 60 year-old female, non-smoker, with a $175,000, 20 year Easy Term Life policy.

Easy Term Life Insurance (Policy Form No. 16-3320) is underwritten and issued by American-Amicable Life Insurance Company of Texas / Occidental Life Insurance Company of North Carolina / Pioneer American Insurance Company and is distributed by Everdays, Inc. Issuance of coverage for Easy Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

1. U.S. Administration for Community Living: https://acl.gov/ltc/basic-needs/how-much-care-will-you-need
2. U.S. Administration for Community Living: https://acl.gov/ltc/basic-needs/who-will-provide-your-care
3. Rounded 2020 price as reported by Genworth Cost of Care Survey, conducted by CareScout®, November 2021 https://www.genworth.com/aging-and-you/finances/cost-of-care.html
4. 2021 Beyond Dollars Study: How Caregiving Impacts Family, Community and Society
5. Rounded 2020 price as reported by Genworth Cost of Care Survey, conducted by CareScout®, November 2021 https://www.genworth.com/aging-and-you/finances/cost-of-care.html
6. Chronic Illness Accelerated Death Benefit Rider — Policy Form No. 3579. If a licensed physician provides the Company a written statement attesting that you have become permanently unable to perform at least two (2) of the Activities of Daily Living (ADL) such as eating, toileting, transferring (moving into and out of a bed, chair or wheelchair), bathing, dressing, or continence then the Company can accelerate the death benefit and pay a percentage to the Owner of the policy. There is an administrative charge of $100 and the maximum benefit available cannot exceed 95% of the total death benefit or a total of $150,000. This rider is added to every policy (where available) at no additional premium. See policy for complete details.
7. Policy must be active for beneficiaries to receive unused death benefit.

The acceleration-of-life-insurance benefits offered under these riders may or may not qualify for favorable tax treatment under the Internal Revenue Code of 1986. Whether such benefits qualify depends on factors such as your life expectancy at the time benefits are accelerated or whether you use the benefits to pay for necessary long term care expenses, such as nursing home care. If the acceleration-of-life-insurance benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. However, acceleration-of-life-insurance benefits payments may be taxable by your state. Tax laws relating to acceleration-of-life-insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration-of-life- insurance benefits excludable from income under federal law. Receipt of acceleration-of-life-insurance benefits may affect your, your spouse's or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), drug assistance or other public assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your spouse’s or your family’s eligibility for public assistance.