Carrier Solvency & Financial Strength
Banner Life / Legal & General Review & 2026 Ratings
Instant algorithmic underwriting without exams for up to $2,000,000; terms available up to 40 years.
A.M. Best Rating
A+ (Superior)
S&P Financial Rating
AA-
Year Founded
1949
Operating Scale
50 States
Elena Rostova, NPN #18942019
NPN #18942019 Verified
Senior Life Insurance Underwriting Analyst • Licensed Life & Health Producer (NPN #18942019) • Former Carrier Underwriter
Fact-Checked & Audited: September 2026
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Actuarially Reviewed by Sarah Jenkins, Esq.
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Banner Life / Legal & General Flagship Product Portfolio
OPTerm 10-40
A+ Backed
Banner Digital Instant Issue
A+ Backed
2026 Term & Whole Life Matcher • Your Area
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Looking for fast, affordable term life or mortgage protection in Your Area? Get instant quotes from top A+ rated carriers with simplified issue underwriting and zero medical exams.
✓ Single Opt-In Form
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✓ Level 10–30 Year Terms
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✓ Up to $1M No-Exam
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No Medical Exam Needed