A+
AM Best Rating
$10,000,000
Max Coverage
Yes
No Exam Available
Overview
Banner Life (a Legal & General America company) is known for highly competitive term life rates, especially for healthy applicants in their 30s and 40s. They offer both traditional underwriting and accelerated no-exam options.
✅ Pros
- ✓Among the most competitive rates in the industry
- ✓Available terms: 10, 15, 20, 25, 30, 35, and 40 years
- ✓Strong financial ratings
- ✓Accelerated underwriting for qualified applicants
❌ Cons
- ✗Full exam required for highest coverage amounts
- ✗Online application not available — must work through an agent
- ✗Stricter underwriting for smokers and high-risk applicants
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