Jan. 27, 2023

3 min read

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

9.2

Editorial score

Coverage type

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

10.0

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available

10.0

Customer services and support

Multiple communication options and a dedicated agent

10.0

Online experience

Online application but no learning resources, long process

6.0

Direct insurer?

Yes, direct insurer

10.0

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:

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.
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.
Children’s Life Insurance Rider, which provides death-benefit protection for families with children.
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.

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.

Trustpilot reviews

See what some costumers are saying about Legal & General America

Excellent

•

Reviews 1,378

Excellent

67%

Great

18%

Average

Poor

Bad

remo

3 days ago

Good Rates, Excellent Customer Service

Good rates. Good service. Easy to set it and forget it until it is needed. Have two policies with them. Payments are auto-drafted quarterly. So far, a life insurance policy was not used:-) One policy will expire, so it is time to cancel that policy. Very easy to cancel. No sales pressure to renew at a higher premium. Customer service is very professional and makes it easy to do business with Banner Life.

mike vinez

6 days ago

Telephone Request

My representative on the phone was helpful and efficient. Most courteous, professional and thorough.

bentley

7 days ago

Competitive pricing life insurance

I have a life insurance policy with them - so far they have been good, easy to work with... you can get a human on the phone when you need help. You know, the basics that have been lost along the way.

art napolitano

15 days ago

UNREASONABLE RATES

Term LIfe insurance rates for a 70 year old male, non-smoker, for a $1,000,000 policy are $26,000 per year! That's just a little bit under SS paycheck! Try to take care of your loved ones, but don't do it with this company!! I've been a client for years, but I'm SHOPPING!

serge

23 days ago

disgusting practice to write off money…

disgusting practice to write off money without authorization - and excuse is "we sent you a notification". technically they are just stole my money. think twice if you want to make business with them

maureen

24 days ago

So long Banner - Sad

I have been a customer of this company for over 8 years. I have paid my premiums faithfully all that time. When my husband and I recently moved to a different state, we had all out mail forwarded. Our home was not ready for another six months and we were in temporary housing all that time. No permanent address yet -after 6 months mail ceased forwarding. Premiums were paid quarterly. In that time frame we became uninsured. We think the renter in our former home did not send any correspondence back to Banner Life. No phone call, no email from Banner. The process to reinstate is costly and punitive. Disappointed, but finding new coverage. Sorry it has come to this.

jo zapatka

a month ago

Banner hires the best people to help…

Banner hires the best people to help with our tasks. I feel like Banner employees really care about anyone who calls them for assistance.

chuck bert

a month ago

I had a great experience with the customer service.

I had a great experience with their customer service when it was time for a new insurance policy, which is my second ten year policy with this company.

ray & rosa duenas

a month ago

REALLY HARD TO FIND A 1-800 #

REALLY HARD TO FIND A 1-800 # , SEEMS THEY HIDE The # onteh site and witha google search FOR LESS CALLS?

evamarie reid

a month ago

The rep Cynthia doing the interview was…

The rep Cynthia doing the interview was lovely and took her time going through the questions.

steve

2 months ago

Excellent agents, but…

Excellent agents, but their system is rejecting any payments right now on my account. Apparently people behind the scenes are trying to straighten it out.

james goodall

2 months ago

Call your local Insurance Agent instead!!

Had to fight with underwriter to get offer of coverage. People are nice to your face, but don't offer alternative insurers. In my case, Insurance company made decisions on false/inaccurate information, and initially refused to accept factual corrections. Sales reps clearly are employees of the Insurance company; they will tell you things that are misleading in an effort to get you to back-down. Two most powerful words to use if you find yourself in a similar situation - BAD FAITH.

margaret palmieri

2 months ago

Great insurance company

Google and general is a quality insurance company that has very good rates.

jerry

3 months ago

Kevin was very helpful and kind.

janie johnson

3 months ago

Knowledgeable & Quick

The representative, Angela, was knowledgeable, quick and efficient. My issue was user error and she quickly reset my information and aided me in getting online account access so I can conveniently review and access my account.

dr kevin hastings

3 months ago

Very friendly and efficient

Anne was very helpful, and made a necessary tedious process and the rates were great for my Key Man policy.

jo zapatka

3 months ago

Banner is he Best

Sunny was fast, efficient, helpful, and friendly and I know my request was completed correctly.

miriam howard

3 months ago

The agent Sheila was amazing

The agent Sheila was amazing. the whole process was seamless and I would definitely recommend this company to anyone.

jo zapatka

4 months ago

Banner Life has the best employees

Banner Life has the best employees, it doesn't matter what dept I am working with, they are helpful, friendly, & always a pleasure to speak with even though they are very busy. Extra details are given to me that make my job easier then I don't need to call again for additional information.

randy gordy

4 months ago

Great Customer service from a real human being!

Tina, gave me great customer service!

jo zapatka

4 months ago

Legal & General is Professional

Legal & General is a great company to work with, they hire the best people to work for them. The way Customer Service gives detailed explanations of an active policy is very helpful to me. Contracting & licensing and Commissions are great to work with as well. No matter how busy anyone is they always take the time to help me in a professional manner and the job gets done right the first time.

customer

4 months ago

Best price and fast, friendly service!

Best price and friendly, fast and efficient service.

joseph daniel

4 months 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

jo zapatka

5 months 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.

rita pisarski

5 months ago

They are a great company and easy to…

They are a great company and easy to work with.

candice racite

6 months ago

Helpful staff

Helpful staff, simple process, good coverage - worth the cost!

kenny

6 months ago

best premium and service

The process was fast and easy.

stephen k

6 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.

samuel franco

6 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.

blake ferando

6 months ago

Great rates and easily able to get…

Great rates and easily able to get ahold of customer service. very good experience.

william delaney

6 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.

jo zapatka

6 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...

chase jordan

7 months ago

Great care and attention as always.

7 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.

robert

7 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.

sheena j. b. worthington

7 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

wendy probst

7 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.

jo zapatka

7 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.

danny nunez

8 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

bruce bowen

8 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.

russell webster

8 months ago

Amazing Very Professional

tony

8 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!!!

kirk w

9 months ago

Excellent customer service

Excellent customer service, everything cared for in one call with an American representative. Keep up the great work!

scarlett hood vazquez

9 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

dsjarrett

9 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"

malik ouattara

9 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.

marvis mccoy

9 months ago

Very honest and respectful not to…

Very honest and respectful not to mention very professional thank you for what do….

flicker nineeightone

9 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!!!

mike beck

9 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

kim parrish

10 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.

timothy golletti

a year ago

Great Experience

Representatives have been very professional and friendly. Very happy to be associated with this company. Thank you.

crypto vera

a year ago

thank you verry much

reviewsbyme

a year 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!!!

jesse gomez

a year ago

very pleased customer

was very pleased on how they handle the legal issues and how understanding they were.

jose soto

a year 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

ruzil chilly

a year ago

I like it

I like it, but there are a few things that need to be improved

graham

2 years 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!

donna quesinberry

2 years ago

U say 7.00 a month

U say 7.00 a month. At the end 129.00 a month

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.

randy lassiter

2 years ago

Good work and very helpful

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.

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!

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.

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.

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

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

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.

martin ellis

3 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.

dan wyand

3 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.

stan e.

3 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.

mrs navah hopkins

3 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.

3 years ago

Quick service

Quick service, easy online. Staff was always helpful and supportive

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.

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. 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!

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!

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.

kenneth duvall

3 years ago

Very good

Very good experience

april j bunch

3 years ago

easy and professional

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.

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.

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.

jeffrey alan mccauley

3 years ago

Comprehensive yet simple

Comprehensive yet simple, straight forward process. Truly a five star experience.

shemeccia sims

3 years ago

It was excellent and great customer…

It was excellent and great customer service 🙌

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.

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.

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.

jason g gould

3 years ago

The process was thorough but simple.

steve taylor

3 years ago

Five Stars

Friendly, professional, diligent, timely service. Combined with the reasonable product price = 5 stars!

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.

daniel marquina

3 years ago

Good job

Good service and accurate job

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.

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.

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!

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.

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.

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?

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.

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!)

ronald howard wymore

3 years ago

Everyone I dealt with on the phone…

Everyone I dealt with on the phone ...... They were so great !

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