23-4328

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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_69e385b665df1c2920efcd85e831fcaf13caf76f66e51b23caf227abb29e014f/images/family_XcL.jpg" alt="Family" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="600" title="Family" height="211"></a></td>
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<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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<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="center" class="es-m-txt-l" bgcolor="#F7F7F7" style="Margin:0;padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:30px"><h1 style="Margin:0;line-height:22px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:18px;font-style:normal;font-weight:bold;color:#006bdc"><strong>SECURE YOUR LOVED ONES’ FUTURE </strong></h1><h1 style="Margin:0;line-height:22px;mso-line-height-rule:exactly;font-family:arial, 'helvetica neue', helvetica, sans-serif;font-size:18px;font-style:normal;font-weight:bold;color:#006bdc"><strong>WITH LIFE INSURANCE LADDERING</strong></h1></td>
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<td align="left" class="es-m-txt-l" bgcolor="#F7F7F7" style="padding:20px;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px">Life is full of surprises, and ensuring the financial security of your loved ones is a top priority. That’s why we want to introduce you to an innovative solution that can protect your family’s future while maximizing your savings – life insurance laddering.</p></td>
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<td align="center" class="es-m-txt-c" style="padding:0;Margin:0"><h2 style="Margin:0;line-height:26px;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;font-size:26px;font-style:normal;font-weight:bold;color:#ffffff"><strong>KEY BENEFITS OF LIFE INSURANCE LADDERING</strong></h2></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;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_69e385b665df1c2920efcd85e831fcaf13caf76f66e51b23caf227abb29e014f/images/pink.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="55" height="54"></a></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;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_69e385b665df1c2920efcd85e831fcaf13caf76f66e51b23caf227abb29e014f/images/umbrella.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="50" height="53"></a></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:15px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:19px;color:#ffffff;font-size:16px">Flexible Coverage</p></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;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_69e385b665df1c2920efcd85e831fcaf13caf76f66e51b23caf227abb29e014f/images/protect.png" alt style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="48" height="54"></a></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:15px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:19px;color:#ffffff;font-size:16px">Lifetime Pro<span style="font-size:15px"></span>tection</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">
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<td align="center" valign="top" style="padding:0;Margin:0;width:600px">
<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="#F7F7F7" style="Margin:0;padding-left:20px;padding-right:20px;padding-top:30px;padding-bottom:30px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px">Term life insurance is a smart and cost-effective solution, providing reliable protection for your loved ones no matter what life brings. However, as you progress through your career, increase your savings, raise your children, and reach retirement, your need for life insurance coverage may change. This is where life insurance </p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px">laddering can make a significant difference. </p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px">So, how does laddering work? Instead of purchasing one large term policy, life insurance laddering allows you to invest in multiple smaller term policies with different expiration dates. This strategy provides you with customized coverage that aligns with your evolving needs, all while saving you money on premiums.</p></td>
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<td align="left" class="es-m-txt-l" style="padding:0;Margin:0;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:Assistant, sans-serif;line-height:27px;color:#304251;font-size:18px"><strong>I understand the importance of securing your family’s financial well-being and can help guide you through the process of life insurance laddering, helping you create a tailored solution that perfectly fits your unique circumstances.</strong></p></td>
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<td align="left" class="es-m-txt-l" bgcolor="#ffffff" style="padding:20px;Margin:0"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:Assistant, sans-serif;line-height:24px;color:#304251;font-size:16px">Agent first name and last name<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 align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom: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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23-4328

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