Legal & General America

Increased customer awareness and digital transformation drive a positive outlook for the term life insurance industry.

Insurance is rooted in analyzing risk and yet no two risks are created equal. More complicated diagnoses are too often labeled as “impaired risk” without a second look.

Legal & General America is helping advisors streamline processes to accelerate business growth and give their clients a faster, easier way to get the coverage they need.

With light at the end of the proverbial COVID-19 tunnel, it’s human nature to seek out the bright side. Many have slowed down to appreciate life — we’ve deepened our sense of gratitude, been more in touch with our families and communities, enjoyed clearer days with less pollution, and leveraged technology for, well, just about everything.

Reflexive questions and an automated rules engine mean less hassle, fewer labs — and more families protected. And that’s just the start.

More than two years before the worst pandemic in modern history brought a sudden and profound change to our daily lives, Legal & General America was white-boarding ideas for how to simplify the life insurance process and make it easier for agents to protect more families. Forward thinking has always been a hallmark of its legacy of process and technology innovation — but company leaders didn’t realize just how important and relevant those ideas would be today.

Legal & General America’s guaranteed level term series, OPTerm, meets the market need for a simple, straightforward, affordable protection product. With options for 10 to 40 years of coverage, OPTerm can accommodate the unique needs of clients at most stages of life. New 35- and 40-year term durations allow customers to purchase low-cost coverage that can last into retirement and beyond.