Banner Life

Banner Life, a subsidiary of Legal & General America, is consistently one of the most competitively priced term carriers in the United States.

Their underwriting is straightforward and their term products are offered in 10, 15, 20, 25, 30, 35, and 40 year lengths, which is one of the broader menus available. The 40-year term is particularly useful for younger applicants who want to lock in a level premium across decades.

We often quote Banner Life first when the applicant's primary concern is competitive price for a clean term need. Their build chart and accelerated underwriting cutoffs are well documented.