Legal Disclaimer
Last updated: July 14, 2026
Insurance quotes and eligibility are subject to underwriting approval by the issuing insurance company. Unless otherwise indicated, quoted premiums are based on the underwriting classification selected during the quote process and are estimates only. Final premiums, coverage, and policy approval may differ based on the completed application, medical history, prescription history, medical examinations (if required), lifestyle, occupation, avocation, financial information when applicable, and the insurer’s underwriting guidelines. Coverage may not be available in all circumstances or through all insurance companies represented by The Millay Group, Inc.
Most life insurance policies contain a suicide exclusion during the first two policy years. If applicable, benefits may be limited as provided in the policy contract. Please refer to the policy for complete terms, conditions, limitations, and exclusions.
Products may not be available in every state. Policy provisions, exclusions, limitations, underwriting requirements, and premiums vary by insurance company and state. Nothing on this website constitutes an offer to sell or a solicitation to purchase insurance in any jurisdiction where such offer or solicitation would be unlawful.
Michael Lee Millay and The Millay Group, Inc. are licensed to conduct insurance business in all states except New York and Hawaii. State license numbers, where required by law, include: California (Millay and Associates Insurance Services, Michael Lee Millay DBA The Millay Group, Inc., License No. 0D99205), Louisiana (#214591), Minnesota (#20011369), Utah (#84073), Arkansas (#42209), and Massachusetts (#175021). Additional state license numbers are available upon request.
Insurance policies described, quoted, or illustrated on this website are issued by one or more insurance companies licensed in the applicable jurisdiction, including Pruco Life Insurance Company and/or Pruco Life Insurance Company of New Jersey (Prudential), American General Life Insurance Company (Corebridge Financial), Banner Life Insurance Company, Protective Life Insurance Company, Lincoln National Life Insurance Company, Pacific Life Insurance Company, Transamerica Life Insurance Company, and other participating insurers. Products, features, riders, underwriting guidelines, availability, and premiums vary by insurance company and state. Not all products are available in all states.