A better experience awaits

Give your clients a better way to get the life insurance protection they need — with the simple, fast, and personalized process they want.

A hassle-free digital experience for next-gen customers

At LGA, it’s been our goal to simplify the life insurance process and make it easier to protect more families. While the landscape of life insurance and technology continues to evolve, our business will always be about the people behind the thinking.

Whether you drop a ticket or start an Advisor-assisted Application with your client, our digital platform with accelerated underwriting speeds app completion reduces cycle time and ensures a more convenient experience for both advisors and customers. Exam substitution is available for qualified applicants, boosting overall exam-free approvals to more than 50 percent for digital cases.

After approval, we've got you covered with a streamlined delivery process in which clients can receive an offer then pay, finalize and download their policy in minutes.

Key Benefits

Improved Client Experience

  •  Online, mobile-friendly application
  • Streamlined application questions reduce time and effort
  • Clients can schedule a phone interview if they need help

Faster Decisions

  • Reduces the need for exams/labs for eligible customers
  • Approvals or the need for medical evidence determined in real-time during the application process

Better Case Management

  • Case status feeds and document download
  • Reduced cycle time
  • In-good-order applications

A better way to do business

Our digital application platform offers shorter application times, faster decisions, reduced cycle times and greater flexibility for you and your clients. Learn more about how we’re simplifying life, so you can protect more families.

Download digital application platform overview guide


We'll stay in touch with your customers throughout the process with reminder emails or texts. Use this guide with your clients to help them prepare for their online journey or telephone interview.

Share 'What to expect' guide with clients

Don't just take it from us. See what our partners are saying...

“You have, by far, the most flexibility with ways that we can send you an application or our clients can complete an application.” 
“What you’ve done with [the digital application platform] is incredible. I still can’t believe that you are automatically ordering an APS as soon as the client signs an app.” 
“You are the only carrier doing simultaneous APS and EHR ordering. Some are ordering an EHR and it is taking five days to see that there are no results and then they order an APS.” 

How the digital application platform works

Coverage for clients in 5 steps

  1. Start an application using our Partner Dashboard or Advisor App, or through iPipeline and other vendor platforms
  2. The client is emailed and/or texted an online application link (phone option is available)
  3. Reflexive application questions integrated with data collection for faster decisions
  4. The application is signed electronically and an exam will be scheduled if needed
  5. If eligible, the policy will be approved and issued exam-free

Eligibility criteria

  • All Issue Ages
  • All Coverage Amounts
  • All states except New York

Download underwriting eligibility flyer

Training resources

For more information and access to our training presentation, please contact a member of our sales team for assistance.

Business Insurance

Business Insurance


Get More Get Less


Changes Effective July 7

Get More Get Less Business

Get More Get Less Business


Application Manager - Training

Introducing Advisor App image

Advisor App - Training


Digital Experience Overview


Drop Ticket Tips for iPipeline Users


Digital Platform Secure Email Instructions

Every day, the Horizon Experience is helping more people get insured faster, in less time than ever before. 

Check out our training videos and see how easy it is to go digital.

Watch Horizon training videos

We want to hear from you!

Please take a minute to tell us about your experience using our new digital application platform.