23-4326

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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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<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">Life events can trigger the need for buying life insurance or increasing your coverage to ensure that those you care about most are protected. Events like:</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_91143e71e4dd20f835994ecaf495f6986ea14f59960a9d7ca7531577c7356b56/images/debts.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="600" height="176"></a></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: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>$28,950</strong></h2></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 student loan debt¹</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>$233,610</strong></h2></td>
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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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<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 <br></p><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">mortgage loan²</p></td>
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<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: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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<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: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 credit card debt³</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">
<tr>
<td style="padding:0;Margin:0;border-bottom:1px solid #006bdc;background:unset;height:1px;width:100%;margin:0px"></td>
</tr>
</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></td>
</tr>
</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>
</tr>
</table></td>
</tr>
<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>
</tr>
</table></td>
</tr>
</table><!--[if mso]></td></tr></table><![endif]--></td>
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<tr>
<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">
<tr>
<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>
</tr>
</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">
<tr>
<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_91143e71e4dd20f835994ecaf495f6986ea14f59960a9d7ca7531577c7356b56/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>
</tr>
</table><!--[if mso]></td></tr></table><![endif]--></td>
</tr>
</table></td>
</tr>
</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">
<tr>
<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">
<tr>
<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: ticas.org. Student Debt and the Class of 2019 by The Institute for College Access & Success, Oct. 6, 2020. ²Source: CNBC.com. The average size of a new mortgage just set a record…by Diana Olick Feb. 16, 2022. ³Source: valuepenquin.com. Average credit card debt in America: 2021 by Joe Resendiz, Feb. 24, 2022. 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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<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">23-4326</h3></td>
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