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Invitations for application for life insurance on Efinancial.com are made through Efinancial, LLC or through its designated agent, Michael W. Rowell, only where licensed and appointed. License numbers are available upon request and are automatically provided where required by law. Michael Rowell is a licensed life insurance agent in all 50 states, including the District of Columbia, and his resident state of Washington. Michael W. Rowell’s Washington license number is 150354; in California, 0C83033; in Louisiana, 265202; in Minnesota, 20234878; in Utah, 126919; in Massachusetts, 1757436; and in Texas, 1001041. Efinancial, LLC’s California license number (d/b/a Efinancial Term Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.

American General Life and Accident Insurance Company, Nashville, TN; Banner Life Insurance Company, Urbana, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Genworth Life and Annuity Insurance Company, Lynchburg, VA and Genworth Life Insurance Company of New York, New York, NY, member companies of Genworth Financial, Inc.; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; Protective Life and Annuity, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Reliastar Life Insurance Company, Minneapolis, MN, Reliastar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING family of companies; Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies;

Rates and time taken to purchase a policy vary by product.