Invitations for application for life insurance on Efinancial.com are made through Efinancial, LLC
or through its designated agent, Michael Bowcock, only where licensed and appointed. License numbers
are available upon request and are automatically provided where required by law. Michael Bowcock is
a licensed life insurance agent in all 50 states, including the District of Columbia, and his resident
state of Illinois. Michael Bowcock's Illinois license number is 11736943; in California, 0G99555;
in Louisiana, 589562; in Minnesota, 40333060; in Utah, 445133; in Massachusetts, 1884080;
and in Texas, 1617308. Efinancial, LLC’s California license number (d/b/a Efinancial Term Insurance
Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.
Insurers: American General Life and Accident Insurance Company, Nashville, TN; Banner Life Insurance
Company, Frederick, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General
America companies; Fidelity Life Association, A Legal Reserve Life Insurance Company, Chicago, IL;
North American Company, Sioux Falls, SD; 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; Voya Financial Insurance Company, Minneapolis,
MN, Voya Life Insurance Company of New York, 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.
Products, rates and time required to purchase a policy vary by insurer.
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