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
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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
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Underwriting quick stats

We help get your clients approved as quickly as possible

38%
Instant Decisions1
44%
Instant decisions (under 50 years old)2
76%
Lab-free decisions 3
67%
10-day decisions 4

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  • Disclaimer
    1. Metric reported for full month January 2024. "Instant decision" is defined as total instant decisions as a percentage of total decisions from all business submitted through Horizon in January 2024. 
    2. Metrics reported YTD through January 2024. "Lab-free Decisions" is defined as total lab-free decisions as a percentage of total decisions from all business submitted through Horizon through January 2024. "Lab-free Decisions" percentage includes instant decisions. 
    3. "10-day Decisions" Rate is the percent of applications that reached a decision in 10 days or less upon submittal compared to the total number of decisions.
    4. 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. For the KPI dashboard, decision rate is calculated based on decisions made within the last 30 days from internal BI reporting.

    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. OPTerm policy form # ICC21-DTCV and state variations. In New York, OPTerm policy form # DTCV21-NY. NexTerm policy form # ICC21-DTCV1 and state variations. A Waiver of Premium Benefit Rider is available, Banner policy form # ICC09 WPTR and state variations (William Penn # WPTR). Children’s Life Insurance Rider, from # ICC16-CLIR and state variations, can provide life insurance coverage for eligible children. The Children’s Life Insurance Rider is not available in New York or Maryland and is not available on base plans with Term Riders or in conjunction with A-List Term. Children’s Life Insurance Rider premiums are guaranteed to stay level. Coverage expires at the earlier of the insured child’s 25th birthday, the base policy insured’s 65th birthday, or base policy termination. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. For broker use only. Not for public distribution.