Legal & General America has competitive new term rates and great pricing for both annual and monthly premium payments.

At all ages*, classes, amounts, and durations, OPTerm pricing for:
Banner ranks #1 - 79% of the time.
William Penn ranks #1 - 80% of the time.

We're the term leader you can rely on to deliver consistent, competitive pricing and automated, simple solutions.


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*Price rankings based on OPTerm monthly pricing at quinquennial ages.
Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, Maryland 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 # ICC12OPTN and state variations. William Penn OPTerm policy form # OPTN-NY available only in New York.
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. Rates as of 10.08.18.
For broker use only. 18-232