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.

Protecting more families

Hear from LGA's President and CEO Mark Holweger on how we're transforming the life insurance journey with the latest technology and our dedicated teams. Take the first step with us today.

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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

U.S. policyholders
in new coverage issued
in assets
of coverage in force
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.2

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.

  • 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.
  • AA- Fitch
    Fitch analyzes 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.
  • AA- S&P
    Fitch analyzes 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.

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.

Mark Holweger

President and CEO

Raju Seetharaman

SVP and Chief Technology Officer

Fred Tavan

SVP and Chief Pricing Officer

Michelle Buswell

SVP and Chief Operating Officer

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.

Find a financial professional or agency near you

Our helpful tool will locate a licensed advisor near you.


12021 LIMRA US Retail Individual Life Insurance Sales for Brokerage Channel. Metrics as of March 2022, with a 5% variance.
2019 non-banking assets, 2021 study. Conversions for year-end 2020, FX 1 GBP = USD 1.378C.
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 Life is not an authorized New York insurer and does not do business in New York. The Legal & General America companies are part of the worldwide Legal & General Group.