Insurance eligibility and premiums are subject to underwriting. All quotes are based upon excellent health and does not take into consideration occupational or avocation risk. The actual premiums could be higher or coverage may not be available through our agency or the carriers that we represent. Policy approval and actual premiums will be based upon the entire underwriting process including but not limited to, a formal application and related forms, examination results (if required), and specific underwriting criteria or requirements as required by each individual insurance company. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. Michael Millay and/or The Millay Group, Inc. are licensed in all states except New York and Hawaii. License numbers as required by state law; California, Millay and Associates Insurance Services, agent Michael Lee Millay DBA The Millay Group, Inc under agent #0D99205, LA agent #214591, MN agent #20011369, UT #84073, AR #42209 and MA #175021; others available upon request.