We are committed to the business practices
that allow us to keep our promises to you.

Corporate Structure

Legal & General America

Board of Directors
  • Dr. Nigel Wilson
  • Deborah D. Lambert
  • John P. "Jack" Murrin
  • Thomas W. Walsh
Executive Officers
Additional Officers
  • Patrick M. Bowen, SVP, Distribution
  • Ross W. Baker, VP, Corporate Taxation
  • Michael Behlmaier, VP, Marketing
  • Ame Biggart, VP, Corporate Actuary
  • Randy W. Binger, VP, Information Technology
  • Amy J. Butler, VP, Chief Risk Officer
  • Martin L. Engman, M.D., VP and Chief Medical Director
  • Barbara A. Esau, VP, Human Resources
  • Andrew M. Hamill, VP, Sales Distribution
  • Richard J. Knee, M.D., VP and Medical Director
  • Eric W. Lester, VP, Administrative Services
  • Bryan R. Newcombe, VP, Secretary and General Counsel
  • Stephen C. Robinson, VP, National IMO Accounts
  • J. Chris Stanek, VP, Financial Planning and Strategy
  • David Williams, M.D., VP and Medical Director
  • John A. Zelinske, Vice President & Controller

Banner Life Insurance Company

Board of Directors
  • Barbara A. Esau
  • Sharon P. Jenkins
  • Deborah D. Lambert
  • Andrew D. Love
  • John P. "Jack" Murrin
  • Thomas W. Walsh
Executive Officers
Additional Officers
  • Patrick M. Bowen, SVP, Distribution
  • Ross W. Baker, VP, Corporate Taxation
  • Michael Behlmaier, VP, Marketing
  • Ame Biggart, VP, Corporate Actuary
  • Randy W. Binger, VP, Information Technology
  • Amy J. Butler, VP, Chief Risk Officer
  • Martin L. Engman, M.D., VP and Chief Medical Director
  • Barbara A. Esau, VP, Human Resources
  • Andrew M. Hamill, VP, Sales Distribution
  • Richard J. Knee, M.D., VP and Medical Director
  • Eric W. Lester, VP, Administrative Services
  • Bryan R. Newcombe, VP, Secretary and General Counsel
  • Stephen C. Robinson, VP, National IMO Accounts
  • J. Chris Stanek, VP, Financial Planning and Strategy
  • David Williams, M.D., VP and Medical Director
  • John A. Zelinske, Vice President & Controller

William Penn Life Insurance Company of New York

Board of Directors
  • Sharon P. Jenkins
  • Deborah D. Lambert
  • Andrew D. Love
  • John P. "Jack" Murrin
  • Thomas W. Walsh
Executive Officers
Additional Officers
  • Patrick M. Bowen, SVP, Distribution
  • Ross W. Baker, VP, Corporate Taxation
  • Michael Behlmaier, VP, Marketing
  • Ame Biggart, VP, Corporate Actuary
  • Randy W. Binger, VP, Information Technology
  • Amy J. Butler, VP, Chief Risk Officer
  • Martin L. Engman, M.D., VP and Chief Medical Director
  • Barbara A. Esau, VP, Human Resources
  • Robert M. Feingold, M.D., VP and Medical Director
  • Andrew M. Hamill, VP, Sales Distribution
  • Richard J. Knee, M.D., VP and Medical Director
  • Eric W. Lester, VP, Administrative Services
  • Bryan R. Newcombe, VP, Secretary and General Counsel
  • Stephen C. Robinson, VP, National IMO Accounts
  • J. Chris Stanek, VP, Financial Planning and Strategy
  • David Williams, M.D., VP and Medical Director
  • John A. Zelinske, Vice President & Controller
LGA Building

Our Values

Legal & General America is in the business of providing financial protection for American families.

At the heart of our business is a genuine concern about our policyholders; that concern even extends to people who don’t yet have life insurance protection because we know how beneficial it can be.

At Legal & General America, we believe that every day matters. We promise to be there when you need us. You can trust that we are one of the nation's strongest life insurance companies offering competitive premiums and superior customer service.

Our commitment to standards of responsible business.

Commitment to Standards of Responsible Business

Our policies and procedures underpin the commitments we make to our customers and shareholders. They set out the minimum standards and procedures to ensure effective management and control of our business. We ensure these policies are regularly updated as issues, regulations and expectations change.

Client Service Expectations

A needs-based analysis is the best way to determine which life insurance product is the most appropriate for you, based on your existing insurance portfolio, needs, goals and current tax and financial position. Matching insurance coverage to your needs is one of the agent’s primary responsibilities.

We consider the following to be important standards of conduct for our agents:

  • A personal commitment to fulfill and service the needs of our clients and their beneficiaries.
  • An accurate and honest explanation of all the facts essential to making a decision.
  • An effort to continuously increase knowledge through continuing education.

It is an agent’s professional responsibility to clearly explain the life insurance products recommended including the full and fair disclosure of all product provisions, both benefits and restrictions (e.g., costs, fees, charges, etc.).

Due Diligence on Agent Representatives

In order to sell our policies, an agent must be licensed in the state in which he or she will make sales, must be associated with one of our general agencies and must have a legal contract to represent us. Obtaining a license requires successful completion of an exam for the specific kind of insurance that will be sold.

We understand the significance of the relationship these brokers have with our customers. Our due diligence includes selective background checks and an ongoing program designed to identify specific sales practices that do not meet our high ethical standards. Agent licenses must be renewed according to state mandates. Some states require sales representatives to pursue continuing education to protect their constituency.

Complaint Resolution Procedures

We take customer service seriously and we want your experience with us to meet your expectations. We know however, that we can make mistakes, and if we do, we want to correct them as quickly and fairly as possible.

Any written or oral statements made by a policy owner (or representative on behalf of a policy owner) that alleges improper activities by Banner, William Penn or its contracted agents or agencies in connection with the solicitation or execution of an insurance transaction, must immediately be brought to the attention of the Company. We make every effort to reach a mutually satisfactory resolution of the complaint.

staff

How We Run Our Business

  • Business Ethics Policy
  • Taxation Policy
  • Reinsurance Policy
  • Risk Governance Framework
  • Internal Audit Charter

How We Buy Products and Services Responsibly

  • Corporate Social Responsibility Standards for Suppliers
  • Corporate Sustainable Procurement Policy

Diversity and Inclusion

As an equal opportunity employer, qualified applicants are considered for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, disability, or veteran status. We are committed to creating a work culture that encourages employee participation, teamwork, mutual trust, creativity and initiative.

How We Govern and Influence

  • Anti-Fraud Policy
  • Anti-Money Laundering Policy
  • Whistle Blower Policy

Our Governance Committees

  • Risk and Compliance Committee
  • Board Level Risk Committee
  • Pricing Committee
  • Audit Committee
  • Asset and Liability Committee
  • Complaint Committee
  • Claims Committee