The Horizon Experience

Move your business forward

Put clients first by letting our flexible digital process speed up everything from applications through decisions and delivery.

The Horizon Experience
Underwriting made easy

Deliver decisions in a snap

A growing number of clients can get approved in minutes, with no medical exam or lab work required.

Our underwriting process

Underwriting quick stats

We help get your clients approved as quickly as possible

Instant Decisions1
Instant decisions (under 50 years old)1
Lab-free decisions 2
10-day decisions 3

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  • Disclaimer

    1 Metric reported for full month March 2024. "Instant decision" is defined as total instant decisions as a percentage of total decisions from all business submitted through Horizon in February 2024. 

    2 Metrics reported YTD through March 2024. "Lab-free Decisions" is defined as total lab-free decisions as a percentage of total decisions from all business submitted through Horizon through March 2024. "Lab-free Decisions" percentage includes instant decisions. 

    3 Metrics reported YTD through March 2024. "10 day Decisions Rate" is the percent of applications that reached any decision in 10 days or less upon submittal compared to the total number of decisions.

    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.