Navigating all paths to get your clients the coverage their families deserve

Get your clients on the fast track to financial protection. The LGA Underwriting Superhighway opens opportunities for riskier clients while speeding up the process for instant decisions.

Why choose LGA?

Expanded coverage

We know not everyone is young and in perfect health. We protect clients others leave behind by offering substandard rates up to table 12 for impaired risks including but not limited to:

• occasional cannabis and cigar smoking
• controlled high cholesterol
• well-controlled depression and anxiety
• mild sleep apnea
• controlled and well-controlled type-2 diabetes (ages 50 and over)
• certain types of cancer

Accelerated approvals*

• 90% of applications started online are completed
• 20% of decisions are approved instantly
• 30% of applicants are approved within 10 business days
• 50%+ are approved exam-free through accelerated underwriting

Click here to review the ways we can get your clients a quick underwriting decision.

Please note that the digital application platform is not yet available in New York.

*Metrics as of May 2022, with a 5% variance.

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.