23-4324

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<td align="center" valign="top" style="padding:0;Margin:0;width:540px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align="center" class="es-m-p10r es-m-p10l es-m-txt-c" style="padding:0;Margin:0;padding-left:40px;padding-right:40px"><h2 style="Margin:0;line-height:28px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:28px;font-style:normal;font-weight:bold;color:#ffffff"><strong>One thing is certain, life changes</strong></h2></td>
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<tr>
<td align="center" class="es-m-txt-c es-m-p10r es-m-p10l" style="padding:0;Margin:0;padding-top:20px;padding-left:40px;padding-right:40px"><h3 style="Margin:0;line-height:18px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:18px;font-style:normal;font-weight:normal;color:#ffffff">Make sure your family’s life insurance protection keeps up with your ever-changing needs.</h3></td>
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<td class="es-m-p15r es-m-p15l" align="left" bgcolor="#F0F0F0" style="padding:0;Margin:0;background-color:#f0f0f0">
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<table cellpadding="0" cellspacing="0" width="100%" bgcolor="#ffffff" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;background-color:#ffffff;border-radius:19px">
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<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="Margin:0;padding-bottom:20px;padding-left:20px;padding-right:20px;padding-top:30px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:24px;color:#304251;font-size:16px">Every life event can increase your need to protect the ones you care about  cost. If you’ve experienced these special moments, now is the perfect time to buy life insurance or increase your coverage.</p></td>
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<td align="center" style="padding:0;Margin:0;font-size:0px"><a href="#" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#141B4D;font-size:18px"><img class="adapt-img" src="https://ikiuc.stripocdn.email/content/guids/CABINET_9d07439b0068122f84d78250615d7c3ea266c0dfb7321eff9a517d54a748b304/images/house_CZJ.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="600" height="197"></a></td>
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<td align="center" valign="top" style="padding:0;Margin:0;width:590px">
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<td align="left" style="Margin:0;padding-top:10px;padding-bottom:10px;padding-left:30px;padding-right:30px"><!--[if mso]><table style="width:540px" cellpadding="0" cellspacing="0"><tr><td style="width:187px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" align="left" class="es-left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
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<td class="es-m-p20b" align="center" valign="top" style="padding:0;Margin:0;width:167px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tbody style="border:1px solid #2d69d5">
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<td align="center" class="es-m-txt-c" style="padding:0;Margin:0;padding-top:20px"><h2 style="Margin:0;line-height:24px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#006bdc"><strong>$233,610</strong></h2></td>
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<td align="center" style="padding:10px;Margin:0;font-size:0">
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<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
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<td align="center" style="padding:0;Margin:0;padding-bottom:40px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:18px;color:#006bdc;font-size:15px">The average cost of raising a child¹</p></td>
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</table><!--[if mso]></td><td style="width:167px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" class="es-left" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
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<td align="left" class="es-m-p20b" style="padding:0;Margin:0;width:167px">
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<tbody style="border:1px solid #2d69d5">
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<td align="center" class="es-m-txt-c" style="padding:0;Margin:0;padding-top:20px"><h2 style="Margin:0;line-height:24px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#006bdc"><strong>$453,000</strong></h2></td>
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<td align="center" style="padding:10px;Margin:0;font-size:0">
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<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
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<td align="center" style="padding:0;Margin:0;padding-bottom:40px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:18px;color:#006bdc;font-size:15px">The average mortgage loan amount²</p></td>
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</table><!--[if mso]></td><td style="width:20px"></td><td style="width:166px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" class="es-right" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align="left" style="padding:0;Margin:0;width:166px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tbody style="border:1px solid #2d69d5">
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<td align="center" class="es-m-txt-c" style="padding:0;Margin:0;padding-top:20px"><h2 style="Margin:0;line-height:24px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#006bdc"><strong>$178,201</strong></h2></td>
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<td align="center" style="padding:10px;Margin:0;font-size:0">
<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
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<td align="center" style="padding:0;Margin:0;padding-left:10px;padding-right:10px;padding-bottom:20px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:18px;color:#006bdc;font-size:15px">The average cost to replace the work of a stay-at-home parent³</p></td>
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<td align="left" style="padding:0;Margin:0;padding-left:10px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td align="center" valign="top" style="padding:0;Margin:0;width:590px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="Margin:0;padding-bottom:5px;padding-top:10px;padding-left:20px;padding-right:20px"><h3 style="Margin:0;line-height:30px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:20px;font-style:normal;font-weight:bold;color:#00163e"><strong>DO YOU HAVE ENOUGH LIFE INSURANCE TO PROTECT<br>YOUR FAMILY?</strong></h3></td>
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<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="Margin:0;padding-top:10px;padding-bottom:20px;padding-left:20px;padding-right:20px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:24px;color:#304251;font-size:16px">It’s a sobering fact: a lot of people don’t have or don’t have enough life insurance to protect the things that matter most to them. That’s where we can help.</p></td>
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<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="Margin:0;padding-bottom:5px;padding-top:10px;padding-left:20px;padding-right:20px"><h3 style="Margin:0;line-height:30px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:20px;font-style:normal;font-weight:bold;color:#00163e"><strong>IT COSTS LESS THAN YOU THINK.</strong></h3></td>
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<td align="left" style="Margin:0;padding-top:10px;padding-bottom:10px;padding-left:30px;padding-right:30px"><!--[if mso]><table style="width:540px" cellpadding="0" cellspacing="0"><tr><td style="width:260px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" align="left" class="es-left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
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</table></td>
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<td align="center" style="padding:0;Margin:0;padding-bottom:40px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:29px;color:#006bdc;font-size:15px"><span style="font-size:24px"><strong>51¢</strong></span> <span style="font-size:18px">per day</span></p></td>
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</table><!--[if mso]></td><td style="width:20px"></td><td style="width:260px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" class="es-right" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
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<td align="left" style="padding:0;Margin:0;width:260px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tbody style="border:1px solid #2d69d5">
<tr>
<td align="center" class="es-m-txt-c" style="padding:0;Margin:0;padding-top:20px"><h2 style="Margin:0;line-height:24px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#006bdc"><strong></strong>WOMEN<strong></strong></h2></td>
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<td align="center" style="padding:10px;Margin:0;font-size:0">
<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
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</table></td>
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<tr>
<td align="center" style="padding:0;Margin:0;padding-bottom:40px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:29px;color:#006bdc;font-size:15px"><span style="font-size:24px"><strong>44¢</strong></span> <span style="font-size:18px">per day</span></p></td>
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</table></td>
</tr>
</table><!--[if mso]></td></tr></table><![endif]--></td>
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<td align="left" style="padding:0;Margin:0;padding-left:10px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align="center" valign="top" style="padding:0;Margin:0;width:590px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="Margin:0;padding-top:10px;padding-bottom:20px;padding-left:20px;padding-right:20px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:24px;color:#304251;font-size:16px">For less than $1 a day⁶ you could protect the ones you love. Please contact me to help you review your life insurance needs and protect the people you care about most.</p></td>
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<td align="left" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align="center" valign="top" style="padding:0;Margin:0;width:600px">
<table cellpadding="0" cellspacing="0" width="100%" bgcolor="#F7F7F7" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#f7f7f7">
<tr>
<td align="left" class="es-m-p30r es-m-p30l" bgcolor="#F7F7F7" style="Margin:0;padding-bottom:20px;padding-left:20px;padding-right:20px;padding-top:30px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;line-height:24px;color:#304251;font-size:16px"><strong>Agent first name and last name</strong><br>License # (if applicable)<br>Agency name<br>Organization license number (if applicable)<br>Address<br>Email<br>Phone (Mobile and Office)</p></td>
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<td class="es-m-p20b" align="left" style="padding:0;Margin:0;padding-right:20px;background-color:#f7f7f7" bgcolor="#f7f7f7"><!--[if mso]><table style="width:580px" cellpadding="0" cellspacing="0"><tr><td style="width:286px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" class="es-left" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
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<td class="es-m-p20b" align="left" style="padding:0;Margin:0;width:286px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td align="left" class="es-m-txt-c" style="padding:0;Margin:0;padding-bottom:20px;padding-left:20px;font-size:0px"><a target="_blank" href="https://www.sbli.com/" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#141B4D;font-size:18px"><img src="https://mcusercontent.com/938b8fd571dc48794fb295dab/images/58ae24b2-773c-741a-032c-df5547a5c14a.png" alt="SBLI" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="99" title="SBLI" height="30"></a></td>
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</table></td>
</tr>
</table><!--[if mso]></td><td style="width:0px"></td><td style="width:294px" valign="top"><![endif]-->
<table cellpadding="0" cellspacing="0" class="es-right" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align="left" style="padding:0;Margin:0;width:294px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td align="right" class="es-m-txt-c" style="padding:0;Margin:0;font-size:0px"><a href="#" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#141B4D;font-size:18px"><img src="https://ikiuc.stripocdn.email/content/guids/CABINET_9d07439b0068122f84d78250615d7c3ea266c0dfb7321eff9a517d54a748b304/images/agency_logo.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="75" height="32"></a></td>
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</table></td>
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</table><!--[if mso]></td></tr></table><![endif]--></td>
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</table></td>
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</table>
<table cellpadding="0" cellspacing="0" class="es-footer" align="center" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;table-layout:fixed !important;width:100%;background-color:transparent;background-repeat:repeat;background-position:center top">
<tr>
<td align="center" style="padding:0;Margin:0">
<table class="es-footer-body" cellspacing="0" cellpadding="0" bgcolor="#ffffff" align="center" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#FFFFFF;width:600px">
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<td align="left" bgcolor="#f0f0f0" style="padding:30px;Margin:0;background-color:#f0f0f0">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align="center" valign="top" style="padding:0;Margin:0;width:540px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px">
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<td align="left" style="padding:0;Margin:0;padding-bottom:10px"><h3 style="Margin:0;line-height:12px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:12px;font-style:normal;font-weight:bold;color:#304251"><strong>¹Source: usda.gov. U.S. Department of Agriculture. The Cost of Raising a Child posted by Mark Lino, Feb. 18, 2020. ²Source: CNBC.com. The average size of a new mortgage just set a record… by Diana Olick, Feb. 16, 2022. ³Source: salary.com. How Much Is a Stay-at-Home Parent Worth? by Porsche Moran, Oct. 29, 2021. The annual premium rates have been calculated to show a per day cost and have been rounded to the nearest cent. Rates shown are for very healthy applicants. Rates may differ based on health and underwriting. 4This rate is for a male, age 30, best class, 20-Year Guaranteed Level Term policy with a face amount of $350,000. 5This rate is for a female, age 30, best class, 20-Year Guaranteed Level Term policy with a face amount of $350,000. 695 cents is the sum of the male and female rates, age 30, best class, 20-Year Guaranteed Level Term policy each with a face amount of $350,000. Cases with face amounts of $100k-$1M, ages 18-50, are underwritten via a telemed exam. Ages 51-74 and face amounts above $1M will be underwritten with a traditional paramedical exam. Approved for consumer use. Policy Form Series #B-56. SBLI is a registered trademark of The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA. NAIC #70435. Licensed in 49 states and DC (excludes NY). Products and features may not be available in all states © 2023 All rights reserved. SBLI is in no way affiliated with SBLI USA Life Insurance Company, Inc. 09/2023 </strong></h3></td>
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