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WHY LEGAL & GENERAL AMERICA

 

Banner Life Insurance Company may be a small company but we have a big reputation. As a part of Legal & General America, Inc., Banner is a nationally recognized market leader in the individual life insurance industry. Though we have fewer than 600 employees in our Urbana, MD headquarters, our new business issued in 2013 ranked us 3rd nationally and we have plans to keep growing. We understand that it is only through the efforts of capable, service-oriented staff that we will be able to make that happen.

 

Products

 

• Term Life
  • OPTerm 10®

                Is renewable life insurance to age 95 with a guaranteed level premium for 10 years.

• • OPTerm15®

                 Is renewable term life insurance to age 95 with a guaranteed level premium for 15 years.

• • OPTerm 20®

                 Is renewable term life insurance to age 95 with a guaranteed level premium for 20 years

• • OPTerm 30®

                 Is renewable term life insurance to age 95 with a guaranteed level premium for 30 years.

• • Life Value Term 20™

                 Is a term life insurance policy with a level death benefit and coverage to age 95.

• • Life Value Term 30™

                 Is a term life insurance policy with a level death benefit and coverage to age 95

 

• Life Choice UL™:
•  Is a flexible premium universal life insurance plan that provides lifetime guaranteed coverage with provisions for guaranteed cash values. Premium flexibility allows you to choose a premium payment period that will guarantee coverage for life or a lessor duration such as coverage to age 100.
  • Lifetime Guarantee.  Life Choice UL is an excellent choice for people who are seeking long-term coverage.
  • Short Pay Guarantee.  The flexible premium and coverage guarantees allow you to design a premium payment over the number of years that you choose
  • Guaranteed Cash Value.

                 The lifetime premium not only guarantees coverage but cash value to the policy