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Growth solutions

We offer straightforward life insurance products that your clients can understand — sold through Banner Life and William Penn, two of the most trusted names in the industry.

Banner Life and William Penn product solutions

As term life leaders, Legal & General America’s companies have always focused on providing simple, low-priced term life options. We also offer other innovative products that may be a perfect fit for your clients. From the initial policy to renewal and conversion, we’ve got you covered. Products we offer include:

LifeStep UL

Our universal life insurance option for clients looking for affordable and reliable permanent life insurance or an option for term conversion.

OPTerm

OPTerm is our guaranteed level term life insurance that provides the lowest cost term option of any national carrier 79% of the time. Customize your client’s policy with term riders so they have coverage when they need it and don’t overpay.

Little_Objects_RGB_accelerated2The Horizon Experience: A more human experience through technology.

The Horizon Experience is our people-first approach to moving your business forward in a digital world. It’s adapting to your environment — with flexibility and simplicity that empowers you to interact and work faster with your clients.

Get a view of the Horizon Experience

illustration-of-phone-magnifying-glass Best in class underwriting

Our underwriting team leverages the latest advances in digital technologies and medicine to improve, transform and speed up the risk selection process. For you and your clients, that means a great chance for instant decisions and approvals — with nearly half of all applicants breezing through without exams.

Learn more about how we underwrite

End-to-end digital tools and processes

Our Horizon Experience includes a portfolio of end-to-end digital capabilities and automated processes that provide speed, flexibility, and convenience for advisors and clients.

  • Digital Application — it keeps getting better

    Our smart and streamlined digital application makes it easy for clients to apply online anytime, on any device in less than 15 minutes. The technology we use is built for the future to adapt to enhancements and other new benefits.

  • Advisor-Assisted Application — a game-changing alternative to paper

    This new feature allows the advisor — or the advisor and the client — to start the application process with just a few data points. At the client’s request, the advisor can start the application process with just a few data points and help them though the entire process (we’re the only carrier in the country with this digital capability). It reduces application time, speeds up cycle times and lets clients get back to their lives faster.

  • Digital AppAssist (tele-application) — the best of two worlds

    All the benefits of Legal & General America’s experienced in-house team are paired with the speed and efficiencies of the digital application. If preferred, a 30-minute phone interview to complete the application can be scheduled at the client’s convenience.

  • Accelerated Underwriting — more chances for exam-free approvals

    Built into the digital application are accelerated underwriting opportunities. Approvals can happen instantly — or in just a few hours for eligible applicants. And more than 30% of cases are approved exam-free, with future enhancements on the way.

  • Lab Lift exam substitution program — boosts exam-free approvals to over 50%

    With the Lab Lift exam-substitution program, eligible applicants can use recent lab work to substitute traditional exams with Electronic Health Records or an Attending Physician’s Statement at no additional cost. With Lab Lift added to the accelerated underwriting opportunities within the digital application itself, the chance for exam-free approvals increases to well over 50%.

  • Digital delivery (Offer/Pay/Issue)

    Digital delivery allows clients to receive a policy offer, and then pay, finalize and download their policy in minutes. That means advisors can collect commissions faster. Case status is updated in real time, and email or text reminders help clients complete the process.

Marketing tools to help you grow your business

Attention spans are shrinking, consumers have too many choices and you have one shot at converting a prospect. Our marketing tools and materials are quick reads that you can easily access and share with your customers.

  • Easy-to-understand marketing materials and videos 
  • Custom flyer and email builder
  • Training resources
  • Needs Calculator

Visit our marketing resource library

Let’s talk about protecting America

Grow your business and help more families and businesses get coverage with Legal & General America life insurance products.

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