Legal & General America’s NEW term pricing is sweet… and we’re not sugarcoating that!

We’re sure you’ll love our new OPTerm rates, for all Banner and William Penn OPTerm products. Decreases across all ages, genders, bands, and classes are sure to make your mouth water.

Icing on the cake? For ALL ages, classes and durations, we’re back at #178% of the time for Banner and 84% of the time for William Penn. To sweeten the deal, LGA’s digital solutions save you time and money, making selling term easy as pie.



New Business Submission and Pending New Business

  • New rates will apply to all new applications. Pending applications will be issued with the most favorable rates.
  • Policies recently issued can be considered for reissue, with the new rates, provided the free look period has not expired. Make sure you indicate you want the policy reissued with the new rates.
  • Reissue requests can be made from or by sending an email to: or Penn_Reissue
  • All reissue requests must be made in writing. Telephone requests will not be accepted.


  • Illustration Manager Version 2.5 is now available for download from the Partner Dashboard.
  • Illustration Manager quoting engines, including desktop software, MobileSuite and the online version have been updated.
  • Third party vendors such as AgentQuote, Compulife, iPipeline, and VitalQuote (Ebix) have been provided with the new rates.

No change to issue ages.

No change to policy fee.

No change to compensation.



  • Any increases? No!
  • LGA pricing is back at number one, in all the places you sell the most.
  • Effective date: 02.13.17
  • Companies: Banner and William Penn
  • Plans: OPTerm Series 10, 15, 20, 25 and 30
  • Classes: All non-tobacco
  • Bands: All band
  • Companies: Banner and William Penn
  • Plans: OPTerm Series 10, 15, 20, 25, and 30
  • Issue ages: No change
  • Policy fee: No change
  • Compensation: No change


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