Traditional underwriting with the lowest premiums for healthy buyers, A.M. Best A+ rated.
Get started at Banner Life Insurance Company (a Legal & General America company) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Healthy buyers willing to do a medical exam in exchange for the lowest premium tier.
Banner Life — Traditional underwriting with the lowest premiums for healthy buyers, A.M. Best A+ rated. Best for: Healthy buyers willing to do a medical exam in exchange for the lowest premium tier.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Banner Life is best for healthy buyers willing to complete a medical exam in exchange for the lowest premium tier. It consistently sits in the lowest premium tier for excellent-health applicants who don't mind traditional underwriting.
Banner Life uses traditional underwriting that requires a medical exam, so approval typically takes 2-6 weeks rather than same-day. The tradeoff is the lowest premium tier for excellent-health applicants — the digital experience is more limited than carriers like Haven Life, Bestow, or Ethos.
Banner Life offers coverage from $100,000 to $10M+ and an industry-broadest term-length menu of 10, 15, 20, 25, 30, 35, and 40 years. The high coverage limits make it a common choice for high-net-worth estate planning. Eligibility is generally US residents 20-75 depending on term length.
Banner Life Insurance Company is a Legal & General America company and carries an A+ (Superior) A.M. Best rating. Legal & General America is backed by Legal & General, which holds roughly $1 trillion in assets globally.
Banner Life has a strong rider menu that includes return-of-premium, accelerated death benefit, and a child rider. Available riders and pricing depend on the policy and your health profile — confirm specifics at lgamerica.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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