A holistic and thoughtful approach to underwriting that gives your team a reliable path forward, even for complex cases.

Case 1: Sleep apnea

$1M placed at Standard Plus.
No APS or additional requirements.

Case 2: Mild mental health history

$1.5M approved at Preferred Plus.
No rating, no delay, no stigma.

Case 3: Blended impairments

$2M placed at Preferred.
Evaluated with care and context.

Each case reflects our commitment to:

Nuanced, real-world underwriting

Fewer surprises and cleaner cycle times

Empowering more clients to get covered

Use these case studies to help your team rethink what's possible.

Rising beyond expectations for you and your clients

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 Life is not authorized as an insurer and does not do business in New York. The Legal & General America companies are part of the worldwide Legal & General Group. CN08012025-5