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BestMoney.com
Legal & General America Review
Reviews 1,357
Legal & General America
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Legal & General America
Legal & General America
Excellent
Reviews 1,357
Bestmoney Staff
Jan. 27, 2023
3 min read
BestMoney Staff
Legal & General America summary
Legal & General America has an excellent reputation for providing quality life insurance packages at competitive rates. Through a commitment to delivering a small selection of life insurance packages at a high standard, Legal & General America has become one of the largest life insurance providers in the United States.
Pros
  • Term Life offers coverage for 10 to 40 years in 5-year increments
  • Strong ratings from all 3 of the major credit rating agencies
  • Preferred underwriting classes available for smokers and others
Cons
  • Doesn’t offer index universal and variable universal cover
  • Can take 3 to 5 weeks to have application approved

Legal & General America at a glance

4.6
Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required. Payouts of over $2 million
5.0

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online
5.0

Customer services and support

Multiple communication options and a dedicated agent
5.0

Online experience

Online application but no learning resources, long process
3.0

Direct insurer?

Yes, direct insurer
5.0

Legal & General America at a Glance

Legal & General America offers term life insurance policies of 10, 15, 20, 25, 30, 35 and 40 years, and at competitively low costs compared to the industry standard. For example, a 20-year-old female non-smoker in excellent health purchasing a 10-year term life insurance policy with a $100,000 face value would pay as little as $8 monthly premium. A 45-year male non-smoker with average health, purchasing a 20-year policy with $1 million face value, might pay between $137 to $159 per month.

Best For?

Legal & General America offers competitive rates and certain considerations to people with pre-existing conditions such as diabetes, anxiety, or high blood pressure. Unlike some competitors, Legal & General America also offers positive health credits for people who may have a medical issue but live a healthy and fit lifestyle overall.

  With Legal & General America life insurance you can get peace of mind and protect your family’s future

Features

Flexibility is one of the main features of Legal & General America’s service: payments can be made in several different frequencies, policies can be converted without losing the original terms, and there are several rider options that can be tailored to fit each customer’s needs.

  • The policy conversion option allows you to exchange your term policy for a universal policy. When you exercise this option, Legal & General America will issue the universal policy at the same underwriting class as your existing term. Conversions can be requested before the end of the guaranteed level premium period or before age 70 – whichever comes first.
  • You have a choice of monthly, quarterly, semi-annual, or annual payments. Premiums are calculated on an annual basis, so if you prefer to pay premiums at more regular intervals your premium will be higher.
  • The following riders can be added to your coverage:
  1. Term Rider, which provides temporary coverage for a period shorter than what the base policy provides, for example a 30-year base plan with a 20-year rider may cover your mortgage payoff.
  2. Accelerated Death Benefit Rider, in which a benefit is paid prior to the insured person’s death if they are facing a qualifying terminal illness. 
  3. Children’s Life Insurance Rider, which provides death-benefit protection for families with children.
  4. Waiver of Premium, in which premiums due will be waived during a period of long-term illness or disability, as long as that disability has existed continuously for at least 6 months.

Policy Terms

Term Life Insurance is typically the most popular and is designed for people with temporary needs or is on a limited budget. It provides protection for a specific period of 10 to 40 years.

  • Pay premiums only for the duration of the coverage.
  • If a policyholder dies before the end of the policy term, their beneficiaries may submit a claim request to receive their payout.
  • In the event of a policyholder’s death, Term Life is designed to help families cover temporary needs, such as: a child’s college tuition; paying off a home loan; income replacement for surviving spouse.

Application Process

A free quote can be obtained quickly and easily through the Legal & General America website or over the phone. The next step is the pre-application process, which begins with a brief introductory call with a licensed agent to help you assess your coverage needs. Once your needs are determined, a follow up interview may be scheduled at your convenience to complete an application, or you may be able to apply directly online. That portion of the process takes about 20-45 minutes and you will need to have on hand:

  • Driver’s license
  • Social Security number
  • Contact details for any doctors, hospitals or clinics you’ve visited in the past 10 years
  • Details of any prescriptions medicines you are taking
  • Basic financial information
  • Disclosure of any other life insurance policies you have held

Some applicants may be required to take a brief, no-cost medical exam lasting about 20-30 minutes.

If you would like to learn more about other products Legal & General America offers, please visit the website

How Safe Is It?

With 70+ years of operation in the United States and $782 billion of life insurance in force in 2020, Legal & General America is one of the most reputable life insurance providers in the country. Based on a 2021 LIMRA report, Legal & General America is the #1 term provider of term life insurance in the US, issuing more than $63 billion that same year.  It has a superior or very strong rating from all three of the major financial strength ratings agencies, meaning customers can be confident in its financial stability.

Help and Support

Legal & General America prides itself on achieving a 4-star review from Trustpilot and values customer feedback. The team is licensed and equipped to help you get the right coverage to fit your needs. Once you have a policy, you can update most of your information online. Existing policyholders can also quickly reach a friendly customer care representative via phone or email.. 

Summary

People looking for competitively priced life insurance from a company with financial strength and an excellent reputation need look no further than Legal & General America. Through a commitment to delivering a small selection of life insurance packages at an excellent standard, Legal & General America has become one of the largest life insurance providers in the United States.

Physical Address

Legal & General America
3275 Bennett Creek Avenue
Frederick, Maryland 21704
United States


Legal & General America Disclosure

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 D.C. William Penn products are available exclusively in New York; Banner does not solicit business there. Financial strength ratings as of 2021. The Legal & General America companies are part of the worldwide Legal & General Group. 18-143*OPTerm policy form # ICC12OPTN and state variations. OPTerm policy form in NY is #OPTN-NY. The OPTerm life insurance premiums quoted are based on the information provided. The quote does not take into consideration complete medical history, occupational risks or other avocations. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to information provided on the application, exam results and specific underwriting requirements and criteria. Premium rates vary by underwriting classification and coverage amount. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000-$999,999, $1,000,000 and above. Premiums quoted include $90 annual policy fee. Premiums are guaranteed to stay level for the initial term period and increase annually thereafter. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 10, 15, 20, 25 and 30 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. 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 07.29.22.

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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See what some costumers are saying about Legal & General America
Legal & General America
Excellent
Reviews 1,357
on
Excellent
67%
Great
18%
Average
8%
Poor
4%
Bad
3%
c
customer
a day ago
Best price and fast, friendly service!
Best price and friendly, fast and efficient service.
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joseph daniel
4 days ago
This is my second go around for life…
This is my second go around for life insurance. I had a 10-year policy and now I have a 20 year policy. One time I changed bank accounts for my auto withdrawal. It did not come out of the correct bank account after I changed it. I called them and they immediately rectified it and offered to pay any charges from my bank. I do not have any charges but I thought that was a great gesture. There's always great communication and easy customer service
J
jo zapatka
23 days ago
Customer Service
Legal & General hire the best people to speak on the phones whether Contracting, Licensing, & Commissions or inforce policies. When a person must speak with many people from all walks of life projecting a positive attitude can be difficult, but Legal & General find the best. Always helpful and my questions are answered with one phone call.
R
rita pisarski
25 days ago
They are a great company and easy to…
They are a great company and easy to work with.
C
candice racite
a month ago
Helpful staff
Helpful staff, simple process, good coverage - worth the cost!
K
kenny
a month ago
best premium and service
The process was fast and easy.
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stephen k
2 months ago
Legal & General America/Banner Life is Grade A
Legal & General America/Banner Life is a superior life insurance company for sure. Their agents/reps are always genuinely concerned, and they take care of your needs in a timely fashion.
S
samuel franco
2 months ago
The agent understanding of what I needed and completing the request quickly.
See below review. Satisfied with accuracy and time to complete my request.
B
blake ferando
2 months ago
Great rates and easily able to get…
Great rates and easily able to get ahold of customer service. very good experience.
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william delaney
2 months ago
Sheila was great at getting the…
Sheila was great at getting the information I needed to get my account setup, changing paperwork, and gave other information to make informed decisions about my policy. She did all at the end of her day, and was very polite.
J
jo zapatka
2 months ago
Jessica in Customer Service knew what I…
Jessica in Customer Service knew what I needed right away and helped me expedite my request. Banner has the best group of people to work with...
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chase jordan
2 months ago
Great care and attention as always.
Great care and attention as always.
S
sn
3 months ago
Banner resolved my issue immediately…
Banner resolved my issue immediately and their customer service is outstanding. I have called twice and both times received excellent customer service.
R
robert
3 months ago
Very competent and helpful
Very competent, friendly, yet professional employees who answer questions very thoroughly. Rates for products are in line with expectations. A no hassle experience from applying to issuing policy.
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sheena j. b. worthington
3 months ago
THE LEGAL GENERAL MILTON FIRMAN
THE LEGAL GENERAL MILTON FIRMAN I appreciate all of your hard work on my behalf. You were so meticulous, tenacious, impartial, and open. I'll always be able to say, "I had the best lawyer imaginable on my side." Just be patient when you choose him as cases can take a while and he doesn't have a magic wand you also need to do the legwork and your own research. He treated me like his family as if he were my father and supported me along the road (it is a very bumpy road but trust in the due process). He is a kind man; do not disparage someone who works hard for the greater good. Just have faith in his methods. I pray for your future success! May God Bless you and your family always xxxx
W
wendy probst
3 months ago
I would give zero stars if I could
I would give zero stars if I could. We agreed to monthly auto pay and received no notice of our premiums tripling or more prior to them being deducted from our checking account. We were told we received a letter in 2013 for action that was taken in 2021. That was quite deceptive.
J
jo zapatka
3 months ago
Whenever I call call Banner Customer…
Whenever I call call Banner Customer Service they go out of their way to help me. Jessica in Customer Service just helped me and she was fantastic. Her Customer Service skills are beyond a five star experience. At this time the insurance companies are very busy however Jessica still took time with me to make sure I had what was needed. Banner is a good company to work with.
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danny nunez
3 months ago
Love this company they rock no…
I love this company; they’re total rock stars no complaints here. I would recommend them to anyone looking for life insurance
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bruce bowen
4 months ago
Trying experience, almost gave up.
Trying experience as it took 6 weeks to get from start to finish. After filling out the initial application, there were three additional requests for information, after each, I was told that was all that was needed. The underwriter kept coming back for more info. Contacting directly is impossible as you have to first call LGA who then connects you with Banner Life who then has to find out what was requested. A long drawn out process that I would not do again. Way too much back and forth using emails and calls.
R
russell webster
4 months ago
Amazing Very Professional
Amazing Very Professional
T
tony
4 months ago
DO NOT PURCHASE ANY L&G RODUCTS
I have just received feedback from a senior pension consultant at L&G. His response in summary was " I am sorry to hear you are unhappy with the performance of the fund, we are not financially trained to give finanacial advice it is your responsibility to look after the fund, If you are not happy with the closure of the complaint you can go to the finanacial ombudsman" I have to question if they are not qualified to give advice what am I paying my fund management fees for!!!
K
kirk w
4 months ago
Excellent customer service
Excellent customer service, everything cared for in one call with an American representative. Keep up the great work!
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scarlett hood vazquez
4 months ago
Helpful;
This company is very helpful to answering my questions . I got the help i needed to get where i needed to go . Thank you Scarlett
D
dsjarrett
4 months ago
Virtual Agents are disgusting
Like so many other companies, they use VIRTUAL AGENTS to screen calls, waste CUSTOMERS time, and annoy the hell out of anyone calling. The virtual agent may as well say "you're not important enough to talk with until we waste several minutes of your time with this attempt to AVOID talking to you"
M
malik ouattara
4 months ago
A very satisfied and grateful customer !
Legal and General America will do its utmost to help a person get Life Insurance despite her/his medical history. During my Life Insurance application process with them, all my concerns were addressed in a timely manner; and my phone calls were answered as quickly as possible. I will recommend Legal and General America to any friend, or anyone who wants to buy Life Insurance.
M
marvis mccoy
5 months ago
Very honest and respectful not to…
Very honest and respectful not to mention very professional thank you for what do….
F
flicker nineeightone
5 months ago
They’re one of the BEST Life insurance…
They’re one of the BEST Life insurance company provider out there; it’s top notch when it comes to their rate, customer service and products they offered. I’m glad to knew them. Highly recommended!!!
M
mike beck
5 months ago
Legal and General America is A Top…
Legal and General America is A Top Shelf Company. They are Great at providing Excellent, Top Shelf, Highly Professional Customer Service. They treat You as You are their ONLY Customer. You are in Great Hands with Legal & General America. Mike Beck
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kim parrish
6 months ago
I got a 20 yr term policy at 35 yrs…
I got a 20 yr term policy at 35 yrs old. When it was time to renew this year, the application and approval process was easy and rates were good! I was able to secure another 20 yr term policy to protect my family.
T
timothy golletti
8 months ago
Great Experience
Representatives have been very professional and friendly. Very happy to be associated with this company. Thank you.
C
crypto vera
9 months ago
thank you verry much
thank you verry much
R
reviewsbyme
9 months ago
Refusal to give a free copy of the life insurance policy if purchased before 2014
I purchased a policy in 2012 and didn't realize that I never received a physical policy since I could access the account online. I was told that I can receive MY POLICY that I have been paying for since 2012 for a fee of $25. I explained that I paid for my policy when I initially signed up for life insurance. The remark I received is that I didn't pay for a policy; I only paid for the benefits. This is absolutely absurd and not ethical. When a person signs up for life insurance, they are PAYING for a policy that provides benefits (not the other way around). I even suggested that they scan and send my policy via email if cost is the issue. They claim that it is more expensive to keep it on their server than to mail it out. None of this makes sense nor does it seem legal or ethical. BUYER BEWARE!!!
j
jesse gomez
10 months ago
very pleased customer
was very pleased on how they handle the legal issues and how understanding they were.
j
jose soto
10 months ago
Best price this is the best company for…
Best price this is the best company for the best price in the market thanks to Sanders insurance as well definitely recommend them to friends and family
R
ruzil chilly
a year ago
I like it
I like it, but there are a few things that need to be improved
G
graham
a year ago
Smooth operations
Great communication. I was especially impressed with their use of digital signature programs that allow you to not only finalize your policy but actually integrates credit card or PayPal payment. So simple. Looking forward to not having to think about this or deal with them except for once a year!
D
donna quesinberry
2 years ago
U say 7.00 a month
U say 7.00 a month. At the end 129.00 a month
J
jim borda
2 years ago
They were quick and professional
They were quick and professional! Great work in follow up as well. Explanations were clear and concise.
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randy lassiter
2 years ago
Good work and very helpful
Good work and very helpful
S
sean ross
2 years ago
Awful and Unsecure Online Service
"Sorry, we're having some technical difficulties. Please contact us at 1-888-984-3393" That should be their slogan because that's the message the comes up every time I try to access their web site (over 2 weeks now). They've lost my online application for life insurance twice. The fact that they save the applications with tokens instead of an actual backend database via a username/password is absurd and unsecure. I'm a web developer... and their system is one I would expect to find literally 20+ years ago. I'll look elsewhere for life insurance.
E
elena esca
2 years ago
I had alot of questions and he was…
I had alot of questions and he was patient with me and helped me get an affordable policy, he helped me make sure my family is taken care of if I am no longer able to do so!
C
craig davis
2 years ago
Five stars for this company
Five stars for this company. Everyone was very helpful, knowledgeable, and pleasant to work with.
K
kevin maloney
2 years ago
Zero stars
I’d give them zero stars if it was an option. The onboarding process was a joke, unorganized, and took forever. Nobody seemed to know what was going on. In all took roughly 5 months to initiate my policy but after that I may cancel it anyway.
F
floyd moody
2 years ago
Thank you all a great help I just hope…
Thank you all a great help I just hope you all carry on like you have for me so thank you
s
sgvlnbk visa
2 years ago
l&g dont have proper customer care and responsibility
legal and general seems not to have customer care , its is very difficult to reach out to them in case of emergency or anything, unknowingly i have taken policy with them and such a horrible company i have never seen in my life. You are always at the mercy of the insurance agent...if u apply for a policy they wont say to you anything or any information whether your policy is approved or not..in the world of competition iam terribly surprised how this company is even surviving until now with such lazy and insensitive people. These are suppose be to working like fire department but on the contrary very lethargic in their attitude..we have been trying since a month to reach out to them to know the policy status
d
david cox
2 years ago
easy process for me
easy process for me. looking at the bad reviews makes me think a lot of the folks on here complaining about the process and how difficult it was it may be they're lack of knowledge of computers.
M
martin ellis
2 years ago
Unethical Behavior
I never heard of this Company, but Selectquote steered me to them for a life insurance policy back in 2016. After paying premiums for 4 years, they never sent me an invoice in early 2020 during the Covid pandemic. Several months later I called and they informed me that my policy was canceled for nonpayment of an invoice that I never received. They never called me, Emailed me or sent me any past due notices in the mail. They said I could complete a Reinstatement Application and pay the premium to get my policy reinstated. I completed this application and 3 weeks later they declined my request for reinstatement because of a change in rate class. They said they would consider another application at a higher premium which may or not be approved. I think this is just a way for them to get out of an unprofitable policy or just grab a higher premium. I think they are very unethical and would avoid them at any cost. All correspondence just goes to an address in Maryland and there is never an individual to contact. Fortunately, I’m not filing a claim and can easily get another policy at a reputable life insurance company.
D
dan wyand
2 years ago
Zero customer service after loading up my credit card with bogus pending charges.
Getting life insurance in place has with Legal & General America has been generally slow, but the miserable part was paying. Their payment portal repeatedly rejects my payment after adding a pending charge on my credit card. By sinking multiple annual life insurance charges on my card (thousands each), they effectively shut off my credit card until the pending charges released weeks later. The only customer service response is, "talk to your agent," who in turn tells me "they say they don't have a record of payment." I think this is mostly a technical glitch on their interaction with docusign, but it is still pretty awful.
S
stan e.
2 years ago
Terrible (no) Customer Service
This sign up process is the worst I've ever experienced. Weeks between inquiries; I'd ask questions via their on line system and receive no answers. I was even asked the same question twice. I tried to pay online over 10 times and the system kept "timing out". Talked to their call center who said they would escalate to IT and call me back or send an update the next day. Never heard from them. Just tried to verify this review with Google and "Google authentication is unavailable". I shudder to think what my wife will go through should she need to collect on this policy. No Follow up After posting this review, Banner Life responded with a canned message that asked me to send them my contact info. I sent it that day (10/2) and received the automated reply acknowledging receipt and that someone would get back to me in 48 hours. That was 14 days ago (still no word). They really don't know what customer service is.
M
mrs navah hopkins
2 years ago
The sign up process and tech issues are…
The sign up process and tech issues are the worst! I'm hopeful that the policy is worth the hassle I went through to get it.
M
me
3 years ago
Quick service
Quick service, easy online. Staff was always helpful and supportive
D
don vachon
3 years ago
The entire process for life insurance…
The entire process for life insurance was so quick and efficient! Thank you to my agent Lauren Montag for all her help, follow up and communication. Excellent service by her. Also, grateful for online application and signing.
J
julia c
3 years ago
Overall a great experience
Overall a great experience. Sales rep I talked to initially helped me get my online application going. The online application was easy and not too lengthy. I did not need a physical which was a welcome surprise. One star taken off since the online application told me to select a time in case a physical was needed, I marked it on my calendar and set up childcare, then when the day came, no one showed up. I later found out the physical had been waived but no one let me know. I contacted the sales rep and he put me in touch with the right person to get it sorted quickly and it was resolved within a few minutes that morning. Docusign makes it easy to finalize paperwork and that part was done within 5 minutes. Not too shabby.
B
b. brown
3 years ago
Life Insurance App. Process
The entire process for life insurance was so quick and efficient! I am so thankful for the ease of applying and signing online!
L
lawrence frank
3 years ago
The entire process was easy to do and…
The entire process was easy to do and understand thanks to the user friendly formats and assistance of your fine staff at customer service!
J
jimmy lee davis jr
3 years ago
life insurance purchase
It has been as painless as I imagine possible. the ability to take care of these items online and via email have made it very simple.
K
kenneth duvall
3 years ago
Very good
Very good experience
A
april j bunch
3 years ago
easy and professional
easy and professional
K
kstoraker
3 years ago
Great Service
They were quick and organized on the phone during the interview. The interviewer was knowledgeable and patiently explained the areas that each question entailed. They followed up in a timely manner.
G
gretchen fritz
3 years ago
Would have been nice to work with the…
Would have been nice to work with the same person from start to finish. Every time i asked a question a different person responded.
K
kulwinder dhillon
3 years ago
I HAVE BEEN WITH YOUR COMPANY SINCE…
I HAVE BEEN WITH YOUR COMPANY SINCE 2000. I JUST RENEWED FOR ANOTHER 20 YEARS. THANKS.
J
jeffrey alan mccauley
3 years ago
Comprehensive yet simple
Comprehensive yet simple, straight forward process. Truly a five star experience.
S
shemeccia sims
3 years ago
It was excellent and great customer…
It was excellent and great customer service 🙌
M
maureen wagner
3 years ago
All went smoothly until it was time to…
All went smoothly until it was time to electronically sign and pay. I signed and used paypal. Payment went through and was acknowledged by Paypal but I kept receiving emails that I had not signed. I reached out to representative Britney Glass. She could not see anything on her end that the signatures came through. She asked if I had used Paypal. She then requested that I go back in and pay via credit card. Then it worked. According to Britney she seemed to know the problem as this has happened in the past. If you give the option of paypal to your clients please allow it to work or do not offer it. I now have a pending amount to you on my paypal account yet I have paid via credit card. I now need to monitor that it will be dropped from Paypal when this is obviously a problem on your end. Please rectify. Thank you. Happy to discuss my experience if you reach out to.
E
ethan
3 years ago
So far so good
So far so good. I have only dealt with the company for a short time thus far so this review is only for that time. The communication has been good as well as the process of applying for life insurance. I hope it continues to be this way.
D
douglas m mahony
3 years ago
Payment Problem I could not use my…
Payment Problem I could not use my credit card as the application did not indicate whether it accepted my information or not. My only option was to close the window or cancel.
J
jason g gould
3 years ago
The process was thorough but simple.
The process was thorough but simple.
S
steve taylor
3 years ago
Five Stars
Friendly, professional, diligent, timely service. Combined with the reasonable product price = 5 stars!
R
robert p.
3 years ago
Overall
My Dr. office was slow getting you the info. You didn't communicate this with me, but when I called several times you were very good at letting me know what was going on. You did things on your side very well.
D
daniel marquina
3 years ago
Good job
Good service and accurate job
P
patrick
3 years ago
When I completed my DocuSign
When I completed my DocuSign, I would have liked that I could print the document after I was done. I didn't see an option to do that, unfortunately.
D
david daigrepont
3 years ago
I needed help but your office hours are…
I needed help but your office hours are very restrictive. I work longer hours than you do so i cannot get the help i needed except to call you during my workday. I wish i had chosen a company that cared enough to have phone customer support available in the evening.
T
terry mckinney
3 years ago
Well Done!
This was my second experience with Legal & General America, and I am again very pleased with the entire process of acquiring insurance through Legal & General. Well Done! Thank you!
M
melinda a dant
3 years ago
The application process
The application process, interview, and medical exam were conducted fine. I had many problems with Docusign and completing the application and payment. I was not able to process my payment via credit card. I tried 4 times and called just as many for support. Nothing worked until I switched to bank draft and it worked fine. Disappointed in the final steps.
c
customer
3 years ago
Efficient and professional
Efficient and professional. No surprises. From initial estimates to enrollment, the entire process was simple. The final rate was a bit higher than I expected, but well within the reasonable range.
H
halle ann beeler
3 years ago
No indication on why this wouldn’t work for me the first 7 times
Had to go through the process about 8’times for it to finally work. I use Docusign on a daily basis and this was just not working with the payment feature. May have been due to coronavirus?
c
customer
3 years ago
It took forever
It seemed to take forever to get the application approved, with lots of questions and concerns. The communication from Legal & General America was never real clear or explanatory.
D
dan
3 years ago
I heard nothing but great reviews about…
I heard nothing but great reviews about you, however I cannot believe how many times I had to have your workers correct the paperwork for accuracy. These are legal documents, and some of your folks should spend more time to make sure they get them correct. Hopefully my family will never need to use this insurance, and you guys get to keep my money. But I believe you should review your employees to make sure things like this don't happen. (I believe I had to send 9 different correction emails, as they were not corrected the first time!)
R
ronald howard wymore
3 years ago
Everyone I dealt with on the phone…
Everyone I dealt with on the phone ...... They were so great !
M
mac a fairbanks
3 years ago
satisfied
Satisfied customer
J
jennifer brathwaite
3 years ago
I had some issues at first with the…
I had some issues at first with the back and forth and the length of time it took for completion.Once the process was done, the rest was easier.
D
david r hautzig
3 years ago
I wanted to pay initial premium with a…
I wanted to pay initial premium with a credit card but it would not allow me, despite New York being accepted for such payments. I ended up using my bank instead.
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jim
3 years ago
Denied Insurance because I am Sober
I have decided to live my life sober. Yes, I realized that I emotionally hurt people close to me by the way I acted when I drank. Because I love them, I live a sober life today. However, I never realized that by being sober and admitting it that I would be denied life insurance. Legal & General America has an internal policy that they do not insure people who have decided to live a life of sobriety until they have been sober for 3 years. So if you have realized that you want to be sober, then don't count on any subsidiaries of Legal & General America to be your life insurance provider.
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alan t zimbard md
3 years ago
Positive rrview
Everything was seamlessly taken care of. Good customer service
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maria
3 years ago
Easy and helpful
Easy and helpful
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michael linn
3 years ago
Worked with policygenius and they were…
Worked with policygenius and they were fantastic. Only change would be to allow an easier health checkup, i.e. not in my house.
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john a jamrozek
3 years ago
Well done
Well done. Professional approach at all times. Friendly and cheerful tone. Good service.
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gregory leon austin
3 years ago
Good Honest People,easy to work with!!
Good Honest People,easy to work with!! Thanks
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paul riskus
3 years ago
I've been an agent for almost 25 years
I've been an agent for almost 25 years. Ive never had an underwriting process go this smoothly before. It was easy from the insured standpoint. I felt confident you were taking care of the steps while keeping me briefed along the way. Accessing documents securing and signing them, too. Is a HUGE time saver. Thank you.
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charles
3 years ago
New life insurance policy
Acceptance took longer than I was told, but not a real issue. Was not given the premium I was quoted mainly because my BMI was a bit greater than I initially thought. I am a very active 63 yo male who bikes extensively and lifts weights. Very active life style. So little disappointed there.
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roberto calzada villalpando
3 years ago
I think that it would be better to have…
I think that it would be better to have more explanation on how the claim works. As you know a Life Insurance is something that unfortunately is necessary, but with it is also necessary for us as your clients to better define and explain how in the worst case scenario the beneficiary would do the claiming process for this insurance.
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mark gerald nelson
3 years ago
Nothing personal here and certainly no…
Nothing personal here and certainly no ax to grind....just honest feedback like you requested. The underwriting time was extremely long for this policy. I have an existing policy with LG America written several years ago that went very smoothly and quickly. Additionally, the underwriting team claimed to my agent they were trying unsuccessfully to reach me to get "additional information" I found this hard to believe as they had sent several other notices to me which were promptly responded to by me. All of my contact info is the same from the previous policy and all my phone numbers are also the same. Overall, not happy with the underwriting decision to rate me at a higher risk but I understand with the added health issues now compared to the first policy. Like any term life policy; I hope to never need it but overall glad my family now has more coverage outside of my work coverage should something happen to me.
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chase nicholas mcgarity
3 years ago
Fantastic service
Fantastic service. Easy and helpful.
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dl
3 years ago
Had a great experience start to finish!
Had a great experience start to finish! The process is easy and affordable!
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jason mckelvey
3 years ago
Sub-par application process
Honestly, my experience hasn't been great. I've had a LOT of help from Erin Bromhal, she has been great, but the filling out of the application, and not knowing some details while filling it out, made me question a lot of things. It wouldn't take much to inform the user that they can change their payment frequency on the final documents to sign. Also, I feel like I'm still confused about a handful of things after being done, that I wish were answered up front. Now I sit here, paid for and completed, but have no idea whether or not my beneficiaries will actually receive any money, should I die. Also having questions about the 30 year term, but the policy states that it will continue yearly after that. Do I need to cancel it in 30 years? I just wish I had my questions answered easily, during the entire process.
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jeffrey james wozniak
3 years ago
Smooth process
Smooth process, thank you
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jason b
3 years ago
Easy process
Easy process. Seamless transition between Zander and Banner customer service. I would have preferred a bit more background on the legal jargon within the contract.
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sharon r cowan
3 years ago
Communication was great during this…
Communication was great during this process. It was a good experience each time that I spoke with someone who was able to address all my concerns.
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michael stern
3 years ago
Slow......
There were a lot of problems prior to getting approved that caused a delay in approval. Primarily trying to get a statement from a doctor that I only used for foot pain. After I was approved, It took two weeks before they could get the documentation correct. If the first part was being thorough, then the second part (the paperwork) was anything but thorough.
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ephraim barayang
3 years ago
I will recommend it to everyone who…
I will recommend it to everyone who needs life insurance.