Guiding the way toward brighter tomorrows

We’re committed to advancing life insurance technology that provides faster cycle times and demands less from your clients up front.

Why choose LGA?

Digital platform

Our end-to-end Horizon Experience saves paper and paperwork while giving you flexibility to send applications on your own schedule in as little as a few minutes—optimized for mobile devices.

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Accelerated decisions

Innovation, automation, and data science allow for accelerated underwriting decisions that could get your clients approved as soon as you hit “Submit” with no medical exams or lab work required.

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Solid foundation

The financial numbers speak for themselves. When your clients are covered by an LGA policy, we will be here when they need us, and we will deliver on our financial promises.

Competitive pricing

We believe term life insurance should provide affordable financial security for all clients who want it. Offering the greatest amount of coverage at a highly competitive price is our commitment to your clients.

Strong leadership

The stability at the top of our organization sets the standard for our entire staff. They provide the encouragement and incentive for each member of our LGA team to continuously grow and become better at serving our industry, distribution partners, and customers.

Social responsibility

Our passion for helping people and communities stretches beyond financial protection. We give back through volunteer fundraising, scholarships, and charities—including Boys & Girls Club, Special Olympics of Maryland, American Foundation for Suicide Prevent

Financial strength

1.2M
U.S. policyholders
$67B
in new coverage issued
$6.6B
in assets
$803
of coverage in force
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Financial health and stability

As the #1 U.S. brokerage term life insurance provider based on new coverage, we pay more than $1B in claims every year to more than 4,200 families and businesses across the country.1 As part of the 9th largest insurance company in the world, we have the power of our parent company, Legal & General Group Plc’s $1.7T total assets under management and more than 185 years of success on our side.

Reinvesting in communities

We are taking financial action to tackle climate change, rethinking retirement, and investing in long-term assets that benefit everyone from housing to renewable energy. Our investments across clean energy, housing, specialty commercial real estate, and SME (small and medium enterprises) finance create alternative assets that benefit the communities we serve.

Ranks and ratings3

You and your clients can trust our commitment to their financial protection.

  • 95 COMDEX Score
    A COMDEX score is a ranking composite of ratings received from A.M. Best, Standard & Poor’s, Moody’s, and Fitch. It illustrates our standing on a scale of 1 to 100, relative to other rated companies. We proudly hold one of the highest rankings in our industry.
  • AA- Fitch and S&P
    Fitch and S&P make up two of the worlds “big three” agencies that analyze a company’s financial strength and ability to repay debt without concern. They provide an important service that protects lenders, borrowers, and especially consumers in the insurance industry.
  • A+ A.M. Best
    Like a consumer credit rating agency, A.M. Best is another independent firm that measures an insurance company’s ability to pay claims and meet other financial responsibilities.

Who we are

For more than 70 years, we’ve discovered innovative ways to help protect a growing number of American families and businesses through life insurance.

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Our leadership

With more than 250 years of combined industry experience, our executive team understands the importance of financial security, and is dedicated to simplifying the process for you and your clients.

Michelle Buswell

SVP and Chief Operating Officer

Michelle Buswell

SVP and Chief Operating Officer

Michelle joined Legal & General America in 2022 and serves as Senior Vice President and Chief Operating Officer. She is a director on the boards of Banner Life Insurance Company and William Penn Life Insurance Company of New York. Michelle leads the underwriting and operations functions for the business and is transforming the service experience to be more efficient and effective, to better support more than one million customers and partners.

Michelle joined LGA from The Hartford Insurance Group where she was the Senior Vice President of Service Operations, responsible for the operations strategy and delivery of client services for Middle, Large, Global Specialty, Premium Audit, Billing and Licensing and Contracting operations. She improved customer experience in all channels through the use of data & analytics, artificial intelligence and machine learning.  Michelle designed an industry-leading premium audit model that transformed paper- and people-intensive processes to a digital experience and developed a comprehensive talent strategy to include new recruiting and hiring strategies, enhancing skills of existing staff and creating a new “future of work” model.

Michelle holds a Bachelor of Science in Business Administration with a specialization in Finance and a minor in Economics from Eastern Connecticut State University. She is on the executive board of Insurance Innovation, a former board member of Our Piece of the Pie and is involved with multiple charitable organizations including the American Heart Association. Michelle and her husband Bob live in Oxford, CT and enjoy spending time with their two daughters, fishing, and watching the Pittsburgh Steelers and Alabama Crimson Tide football teams.

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Get started with Legal & General America

Our distribution network is made up of independent life brokerage general agencies (BGAs). You may already be working with an agency that represents us. A good way to get started is to call your BGA and ask if Legal & General America (Banner Life/William Penn) is among its carriers. If we are, your BGA can provide you the documents necessary to apply for an agent/broker agreement.

If your agency does not represent Legal & General America, an alternative is to network with business associates. One of them may have an established relationship with a general agency that represents us. Talk with your colleagues to learn more about the agency and to find out who to contact regarding an appointment.

Find an agency near you

There are hundreds of agencies located across the US that represent LGA. Use our Find an Agency tool below to locate a brokerage general agency in your area. Simply enter your zip code and a list of contacts will be provided.

Disclaimer

12021 LIMRA US Retail Individual Life Insurance Sales for Brokerage Channel. Metrics as of March 2022, with a 5% variance.
22019 non-banking assets, 2021 study. Conversions for year-end 2020, FX 1 GBP = USD 1.378C.
3COMDEX ranking current as of 10/17/22. A.M. Best ratings are as of 11/3/22 and apply to Legal & General America Group and its subsidiaries, Banner Life Insurance Company and William Penn Life Insurance Company of New York. Fitch and S&P ratings as of 6/22/22 and 7/12/22. All ratings are subject to change. 

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner products are distributed in 49 states and in DC. William Penn products are available exclusively in New York; Banner does not solicit business there. The Legal & General America companies are part of the worldwide Legal & General Group. OPTerm policy form # ICC21-DTCV and state variations. In New York, OPTerm policy form # DTCV21-NY. NexTerm policy form # ICC21-DTCV1 and state variations. A Waiver of Premium Benefit Rider is available, Banner policy form # ICC09 WPTR and state variations (William Penn # WPTR). Children’s Life Insurance Rider, from # ICC16-CLIR and state variations, can provide life insurance coverage on eligible children. The Children’s Life Insurance Rider is not available in New York or Maryland and is not available on base plans with Term Riders or in conjunction with A-List Term. Children’s Life Insurance Rider premiums are guaranteed to stay level. Coverage expires at the earlier of the insured child’s 25th birthday, the base policy insured’s 65th birthday or base policy termination. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. For broker use only. Not for public distribution.