Legal & General America Insurance Company Review

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Legal & General America Insurance Company at a Glance

  • Part of Legal & General Group Plc, founded in 1836
  • Specializes in life insurance products
  • "A+" (superior) rating by AM Best
  • "B+" (good) rating by the Better Business Bureau (BBB)

Legal & General America Pros: More than 70 years' of history in the US. Offers several forms of life insurance. Strong rating by AM Best.

Legal & General America Cons: No guaranteed acceptance term life insurance. Limited product catalogue. Some mixed customer feedback.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Legal & General America Offer?

Legal & General America insurance company specializes in life insurance products. Their offerings include:

  • Term life insurance
  • Whole life insurance
  • Permanent life insurance
  • Universal life insurance
  • Final expense insurance

Your independent insurance agent can help you find more information about the coverage offered by Legal & General America, and help you decide if this insurance company is right for you.


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What to Know About Legal & General America

Legal & General America is a part of Legal & General Group Plc., which was founded in 1836. The insurance company has been providing life insurance to customers in the US for more than 70 years. The carrier specializes in offering several forms of quality life insurance products, including term and universal life insurance.

Legal & General America is made up of Banner Life Insurance Company and William Penn Life Insurance Company of New York, its subsidiary. The insurance company's LinkedIn social media network shows that they have between 500 and 1,000 employees total.  

With its extensive history and solid financial strength, Legal & General America is known as a strong insurance company with a good outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Legal & General America an “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from AM Best assure customers that Legal & General America offers guaranteed, reliable coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does Legal & General America Offer?

Legal & General America does not make its discount information readily available. However, an independent insurance agent can help you find discounts and other money-saving options you may qualify for through the carrier.

Legal & General America Customer Service

Here's a breakdown of Legal & General America's customer service options and availability.

  • Phone contact
  • Email contact
  • Fax contact

Hours (ET)

Monday-Friday 8 am - 5 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Legal & General America FAQ

What is Legal & General America's average claim response timeframe?

Legal & General America does not make a specific claims response timeframe promise on their official website or social media.

What is Legal & General America's customer service availability?

Legal & General America provides several contact options for customers, including phone, fax, and email. Their phone contact hours are open at the typical window, Monday-Friday.

What is Legal & General America's claims process?

Legal & General America's official website details their claims process as follows:

"Once we receive your claim information, we will review our records to verify that the coverage is in force and verify the beneficiary(ies) named on the policy.

  • If the coverage is in force and the policy proceeds total $10,000 or less: You may be eligible for our Fast Track claims process. Please call the Claims Department at 1-800-638-8428 and we will let you know what is needed to properly evaluate your claim for the Fast Track process.
  • If the coverage is in force and the policy proceeds total more than $10,000: A packet of information will be provided to you or the person you have indicated to receive the materials. We can provide the information via email, fax or regular mail. The information will include claim form(s), the name(s) of the person(s) or entity who will need to complete the claim form(s), a Lost Policy Form and a list of any additional information we will need to pay the claim."

Does Legal & General America's website create a user-friendly experience for customers?

Legal & General America's website is easy to navigate. However, customers would benefit from having more information provided to them through the website, such as discount details and when to expect a response to their claim.

Does Legal & General America have good life insurance?

Legal & General America's term life insurance comes with the following perks:

  • Coverage periods of 10-40 years
  • Extended coverage term riders available
  • Affordable premiums

Something to note about Legal & General America's term life insurance is that acceptance is not guaranteed. If you're looking for a carrier that offers guaranteed acceptance term life insurance, your independent insurance agent can provide you with options.

Is Legal & General America a good insurance company?

Legal & General America has been in the industry for several decades and offers several life insurance options for different kinds of customers. The insurance company also claims to have affordable premiums. The carrier is highly rated by AM Best, overall making them qualify as a good insurance company.'s Final Review

We award Legal & General America a final rating of 3.5 out of 5 stars. The carrier has a lot of experience under their belt now, and offers coverage to 1.5 million customers across the US. The insurance company also has $6.8 billion in assets. However, they do not have as high of a rating from the BBB as many other carriers. Their term life insurance also does not come with guaranteed acceptance. 

Legal & General America's catalogue is quite limited, focusing on only life insurance products. Customer feedback is quite a mixed bag. However, the insurance company is highly rated by AM Best and has demonstrated strong financial stability over time. Overall, we say Legal & General America is worth looking into as one of your options for life insurance with your independent insurance agent.

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