1
A little about our approach
2
Dropping a ticket
3
Completing the application
4
Underwriting the case
6
Issuing the policy
7
Customer care for policies in force
5
Managing your business
8
Licensing and Commissions
Go to Horizon ProNavigator Advisor Essentials
To share the simplified "Advisor Essentials" with your team, right click on the green tile and copy link address.
Familiarize yourself with the LGA way of doing business, and get helpful links to the forms and other materials you and your clients will need— from running a quote through filing a claim.
Horizon ProNavigator
LGA training hub
Let’s create brighter futures together
Help your clients get approved and covered quickly with our advanced life insurance technology that’s easy to use, provides fast cycle times, and demands less from your clients up front.
Our ticket-through-issue digital platform saves paper and paperwork while giving you the flexibility to send applications on your own schedule in as little as a few minutes. And it’s optimized for your smartphone.
The Horizon Experience
More information To learn more about LGA, our products, our approach, our financial strength, and more, visit our Advisor Hub.
Scroll to continue
Basic steps of the process
Through our Partner Dashboard, your agency process, direct link, or third-party platform
Drop a ticket
Get started today
Browse the resources below or visit our Advisor Hub and click the log-in button on the top-right corner. To register, all you need is an email address and a password. It only takes a few minutes to create your profile and link agent codes. Partner Dashboard puts all your cases, clients, and applications in one view.
Frequently asked questions
Useful links
Product resources
OPTerm Product Spec sheet
Process resources
By your client directly, agent assisted, or through our telephone interview team
Complete the application
Instant, lab-free, lab-only, or medical-evidence decisions made as quickly as possible
Underwriting decision
Either directly to the client or to your agency first, depending on agency preferences
Offer sent
Your client receives a secure email link to review and accept the offer
Review offer
Once payment is made online, the policy is issued digitally and commission is generated
Payment/issue
Register now
Click the links below to review information about our products and our digital process, as well as download marketing materials to share with your clients.
Term Rider Spec sheet
Child Rider Spec sheet
Benefits of the Horizon Experience
Registering for Partner Dashboard
Setting Agency Preferences (for BGA and IMO use only)
Client-facing materials
Campaigns in a Box
OPTerm Brochure
Run a quote*
* Must be registered for Partner Dashboard
Download FAQs
Download this quick-reference document for fast answers to the topics financial professionals ask about most.
Helpful links
For general inquiries
Main menu
Log into Partner Dashboard
Access client-ready campaigns
Learn about our products
Previous page
Next page
301-801-4440 (8:00 – 5:00 ET, M – F) salessupport@lgamerica.com
© Legal & General America 2024. All rights reserved.
Starting the application process
Dropping a ticket is fast and easy—whether you’re doing so through your own agency platform, our Partner Dashboard, or a number of third-party platforms we work with (like iPipeline).
Dropping a Ticket How to Submit Business (video) How to Submit Multiple Policies (video) What to Expect (advisor guide)
Need additional assistance? If you have any questions or run into any issues, reach out to your General Agency for guidance.
Click the links below for even more details about our application process.
The steps below will help guide you through the process of submitting a ticket on your end.
Step 1 of 3
Start a quote
If you are logged into Partner Dashboard (PD), you can launch a quote directly from our Advisor Hub. If you’re using a third-party platform, choose your preferred LGA carrier (Banner Life) with the quote.
Step 2 of 3
Start application/ticket
Whether you access this page by dropping a ticket through Partner Dashboard, a third- party vendor, or your own company's platform, this is the process.
Client information: Enter all required information or complete all fields.
Add the last four digits of the SSN and continue by clicking, "Next." We MUST have the correct information in order to validate client credentials.
Product information: Enter and confirm everything from face amount to riders requested. If the owner is not the insured, then the agent should include the owner’s name, email address, and phone number.
Advisor attestation: Make sure you complete the Agent Attestation by clicking “I Agree” and hit “Drop Ticket” to ensure the file is set up and ready for processing.
Step 3 of 3
Submitting the ticket
Once you have successfully submitted the ticket, your client will receive a confirmation email from us with next steps to proceed.
Make sure your agent information is complete and up to date. As you complete the fields, the progress bar will fill with green check marks to let you know what you have finished.
Advisor tip
This is your chance to submit multiple policies if your client wants more than one policy. Our system will match multiple dropped tickets and automatically bundle them. NOTE: There is no way to duplicate or split policies after this point.
If you stop and save or exit the application before dropping the ticket, your progress will be saved but the ticket will NOT be set up as a case file with LGA. You MUST complete those steps to complete the application.
• HIPPA disclosure
• Honesty statement
It's important to be as accurate as possible when you select the UW class.
Set clear expectations with your client. Disclosure is very important and may have an impact on the UW path.
Make sure to let your client know they should expect an email from us. If they don't, either we have incorrect contact information or it may have gone to their junk filter.
To get going right away, you should submit contracting paperwork for your Advisor before submitting the case.
Note: Issue state is based on the state where the owner resides. Agents must hold an active license in that state in order to proceed.
Flexible application process
There are three ways to submit an application with us:
Email notification
Step 1 of 10
Once you submit a ticket, the client will receive an email from Banner Life | Legal & General America to finalize the application. The subject line will say, “Complete your life insurance application.”
Step 2 of 10
Accessing the application
Your client will need to provide their last name, date of birth, and zip code. They will also be prompted to complete the two-factor authentication system which helps protect their sensitive data and personal information.
Step 3 of 10
Application confirmation
After creating their account and logging in, your client will be taken to a welcome page with all the data from their ticket, including the distribution partner, duration, premium, and basic personal information.
Step 4 of 10
Agreeing to terms
Your client must agree to the following things before proceeding to the application and medical questionnaire:
Terms and conditions HIPAA disclosure Honesty statement
Step 5 of 10
About you
This section asks questions about your client’s occupation, lifestyle, and activities. Topics in the menu will be checked off as questions are completed.
Step 6 of 10
Health history
The section also includes health-related questions that integrate with data collection to assist our accelerated real-time decision-making process.
Step 7 of 10
Your policy
The application gathers information about beneficiaries, any additional coverage requests, and the purpose of insurance coverage. If there are multiple policies, this information will need to be provided for each policy.
Step 8 of 10
Application review
Once your client answers all application and medical questions, they have one last opportunity to review the application and make any necessary changes or updates.
Step 9 of 10
Signing the application
First, your client must check the box confirming they have reviewed the application. Next, a “Sign application” button will become enabled. Clicking the button will serve as signing the application.
Step 10 of 10
Application packet preview
After your client digitally signs the application, they can now download, save, and access the complete application as a PDF file. The signed application packet can also be reviewed or downloaded by going into Inbound/Outbound Communication in Application Manager.
A red exclamation point will indicate any missing information or incomplete sections before the application is finished.
This qualifies as a one-click signature. No DocuSign is required during our application process. Financial advisors do not need to sign the application.
Click to continue
Check the box
Replay
If the case is instantly decided, you will receive email notification immediately. Otherwise, the application status will update in Partner Dashboard and on the application tracker.
Follow up to make sure they’ve received and read the email. If not, make sure they checked their junk or spam filter. See our FAQs for how to resend the email or send it to a different email recipient.
Advisor tip: Incomplete disclosure is the primary issue slowing the process down. Make sure your client has their information handy:
Proof of citizenship
Driver’s license and Social Security number
Annual household income
Health insurance policy number and provider
Primary care physician’s contact information
Specialist physician contact information
Basic information on recent medical exams
It’s important that the information we receive is as complete and accurate as possible. Incomplete disclosure can cause unwanted delays in processing. When clients answer “I don’t know” or “Unsure” to any questions, it may disqualify them from instant or accelerated underwriting.
Scroll to see the steps of the client-driven application.
Encourage your clients to review this summary very carefully as making changes to address, beneficiary name, etc. at the time of offer acceptance will result in a secondary underwriter review.
Phone interview After you reserve an interview time, our in-house AppAssist team will conduct a 30-minute phone interview at your client’s convenience and complete the application in real time.
Advisor assisted Advisor-assisted applications help you reduce completion time by letting you and your client go through it together.
Client driven Let your clients go through the mobile-optimized application on their own time. They can complete the application in about 20 minutes.
Riders can be selected when the application is officially submitted. At this point in the application process, clients can express interest in additional coverage and policy changes, but they will not make any official changes and will not be charged for riders.
Our application
Our straightforward application is divided into three parts. It’s easy to fill out. If your client misses a question, when they click “Next,” it will prompt them to fill out the missing information before continuing. Click the tabs for topics we cover in each of the three sections.
Driver’s license Citizenship Birth origin Employment status Occupation(s) Occupation duties Hazardous activities Aviation/pilot license Foreign travel Foreign residency Annual income Household income Premium financing Bankruptcy Tobacco Marijuana Alcohol consumption Alcohol support group Drug use Prescription addiction, misuse DUI/DWI Moving violations Criminal history
AIDS/HIV COVID-19 Weight Height Weight change Primary physician Last physician consulted Health insurance Prior app declined/modified Parent lived to age 75+ Parent hereditary disorders Parent heart or cancer Siblings Stroke, TIA, CAD, diabetes, pancreas Heart, cancer, blood neuro, intestine, liver Mental health Pre-cancer growth, lump, mole Kidney, urinary, digestive, respiratory, arthritis, mental memory Mental self harm thoughts Waiting to be seen/treated Referred within the last six months Advised to be seen within the next six months Last three months TIAA (past 90 days) TIAA (past five years)
Personal or business insurance Select rider Payor Secondary address Primary beneficiaries Existing insurance Total amount of coverage
Click the menu
At any time, if your client is unsure how to proceed, they can click the “Need help” icon in the bottom-right corner to access real-time assistance from our toll-free hotline. Or you can call 855-914-9115 from 8:30 a.m. – 10:00 p.m. (Eastern).
Flexible and fast
We do everything we can to get clients an offer for the protection they need— as quick and easy as possible.
Instant decision
Lab-free decision
Clients not eligible for an instant decision can still benefit from accelerated underwriting opportunities that don’t require your client to complete an exam or lab work. This is much quicker and more convenient for your clients compared with traditional underwriting.
We cover people, not conditions
We have options for a wide range of medical and financial histories.
Accelerated underwriting
Built into the digital application are accelerated underwriting opportunities. Decisions can happen instantly or in just a few hours for eligible applicants.
As soon as you hit submit and your client agrees to the terms and conditions including the HIPAA authorization, we run both health and background checks, and perform data analytics. For cases that qualify for an instant decision, you will be notified immediately.
Full underwriting
Certain medical histories are a bit more nuanced and require a more robust underwriting process. But rest assured, we obtain the evidence and still decision these cases as soon as possible.
Click the thumbnail to the right for details about how we provide more paths to a policy for more clients, and see our different underwriting options for your clients.
Click to open the link
The underwriting superhighway
Support for all agency roles and locations
Tools like our Partner Dashboard and Application Manager help streamline agency workflows, organize client applications, support customer engagement, and provide access to product and marketing materials.
Tracking case status
If you want to know the status of an application, first log into Partner Dashboard. Then, select “My Business List” under the “My Business” folder.
Launching Application Manager
All of your active cases will be listed below the search bar. Simply select the case you wish to view. As long as that case has not gone to “Offer Made” status, clicking the case will automatically launch Application Manager where digital applications are processed.
Digital policy
The top-left corner will include the policy number, the applicant’s name, coverage amount applied for, gender and age, product applied for, date of application, and more.
Application tracker
Hover over a section below for more information about each step along the tracker.
Service Dashboard
Underneath the application tracker, you will see a menu on the left side of additional case management action you can take.
For more about managing your business, take a look at some valuable materials we have available:
Self Service Guide Application Manager Video Application Manager Presentation Frequently Asked Questions Response to RTM
If you have any questions about commissions, email commission@lgamerica.com or call 888-585-9198.
Finding and tracking commissions
Partner Dashboard also allows you to track your commissions. Back at the main menu, click “Commissions” and then select “My Commissions.” Select the type of commission statement then enter the start and end dates. This will generate a PDF of commissions (with a balance greater than $50). Visit the Licensing and Commissions section of this tool for more information.
Requirements lists all the case requirements.
Workboard provides insights and additional information, including outstanding licensing requirements.
Case Details will let you view policy details, advisor details, and save age information and policy dates.
Application History includes notes for medical exam orders, agent licensing, and rationales for underwriting decisions made. This is another section you should frequently check for updates.
Inbound/Outbound Communications gives you access to all documents obtained throughout the underwriting process (application, forms, emails, etc.)
Amend Application will indicate whether changes have been made. When you see the “!” icon, click here to view what has been updated.
Decision will share general information about the approval. More details are available in Application History.
Depending on where the application rests in the tracker, you may have an action item that requires your attention.
From your Dashboard, you can select the Documents tab and choose the “View Case Documents” link.
When application is approved but is not changed to offer either due to agency preference or due to any signature pending on the apps
Application Approved
When an application is declined for any medical or financial reason either automatically by system or manually by UW
Application Declined
When an application is approved and there is no pending signature and delay to release the offer to client
Offer Made
When offer made is accepted by client
Offer Accepted
When Policy is in Force
Active
When the client signs the application and it is under review with the underwriting team
Application Under Review
When the client accessed the initial email with the link and the client started but has not signed the application
Application Started
When the client signed the application and if any additional evidence required by UW or CM before making any decision.
Further Evidence Required
When your client signs and submits the application
Application Signed
When a ticket has been dropped but the application has not been completed
New
When an application has been started, but has not been satisfactorily completed (attestation has not been agreed to, information is missing, or the application otherwise requires finalization)
Pre-Application
When we receive and accept the first payment from your client
Paid
To find applications with an offer made status in Application Manager, just click “View case documents” under the Documents tab.
“Offer Made” applications
Workboard
Application History displays the full case history, including notes from underwriting, licensing, and case management. Perform a keyword search and focus your results by sorting by status or requirement.
When checking case status, start with Workboard to look for any outstanding requirements. If you do discover any, go to Application History for more details.
Application History
Finishing the sale
Congratulations! An offer is made.
Step 1 of 11
When your client’s application is approved, they will receive an email.
Offer screen
Clients logged into their LGA account will see this screen once they click the “Accept offer” button in their email.
Step 4 of 11
Accepting the offer
Some agencies also allow customers to modify their offer by changing the term and/or face amount through Get More/Get Less. See the resources section at the end of this page to learn more about how this works.
Step 5 of 11
Client offer
When your client accepts the offer, we will begin to generate the policy packet.
Step 6 of 11
Returning after saving for later
Clients will be able to pick up right where they left off.
You've gone through the most difficult part. Now, it's smooth sailing through offer, pay, and issue.
Step 3 of 11
Your client should click the “Accept offer” button to review and accept the offer.
Your client should click “Next” to continue.
Make sure your client has their payment information handy when they’re ready to accept the offer.
Clients can click this link to see how changing the payment frequency also affects the payment amount.
Clients can either accept the offer or save the offer for a later decision.
They can also “Save and exit” in the top-right corner, and we will notify them when the policy packet is ready.
Your client has the option to generate the policy packet now or they can click “Save my offer for later” and come back when it’s more convenient. They have 45 days to accept the offer. They can also "Save and exit" in the top-right corner, and we will notify them when the policy packet is ready.
Your client can confirm that nothing else has changed since the last time they reviewed the offer.
Step 7 of 11
Pay and issue screen
This section provides additional details about: • Premium amount • Billing frequency • Name of payor and beneficiary • Payment methods Note: credit card is not available when paying monthly or when issue state is AK, CA, MD, NJ, or NC
Step 8 of 11
Selecting a payment method
Your client can add a personal bank account directly through the system.
If you already submitted bank-account information for your client when submitting the ticket, it will NOT carry over here. Your client will have to enter their bank account information again.
Step 9 of 11
Using a credit card
Credit cards can only be used to pay the initial premium. After that, premiums must be paid through electronic funds transfer (EFT) or direct debit.
Credit card payments are not available or accepted in every state and not available if paying monthly.
Step 10 of 11
Confirmation screen
Whether your client chooses EFT or credit card for the initial payment, they will be prompted with a verification screen before the policy is finalized.
Step 11 of 11
Email confirmation
The payment has now been made. Your client will receive an email notifying them they are now covered and the policy is in force. They can return anytime to check policy details, contact LGA, and provide feedback about the process.
How a Client Views, Accepts, and Pays (video)
Click the links below for even more details about accepting an offer, making the first payment, and issuing the policy.
If the policy packet was sent to your client after they clicked “Save my offer for later,” they can confirm that they have received the packet.
Click
Your client clicks here to accept the offer.
After clicking “Accept offer,” they will be prompted with a pop-up box to confirm the acceptance, which will take them to the payment section.
Get More/Get Less (ppt)
Within the next three business days, you should see this linked to your agency account.
Almost there! Just one final step before your client’s insurance coverage is processed and finalized.
Step 2 of 11
Client log in screen and two-factor authentication
Client will log in using their last name, date of birth, and last four digits of their Social Security number. If owner is other than the insured, they will log in using their (owner’s) last name, date of birth, and their zip code (if business is the owner, use the zip code of the person who is signing on behalf of the business).
Click on the box to confirm they have downloaded the policy packet; the “Finalize policy” button will become active. Your client can download the policy packet here if they have not done so already. Your client must click this box in order to finalize the policy. The “Finalize policy” button is now activated.
Clients are not obligated to accept the offer. This is an opportunity to review policy details and decide whether to accept the offer. They will have 45 days from when the offer is released to accept the offer. You can control whether the offer is sent to you first, and can even set the delay interval for your client.
You can use the “age nearest” button to quickly save client age.
Customize Coverage Self-Service Guide (pdf)
Maintaining the relationship
Customer care after a policy is in force
Once a policy is in force, we will help you continue being an advocate for your clients and their beneficiaries.
What is the LGA portal?
Customers can register for the LGA portal by visiting lgamerica.com and clicking on "account." It’s a convenient, secure way for clients to find answers, make one-time payments, check policy status, download policies, and more.
Online servicing
For an optimal service experience, your clients can use online tools to find everything they need and easily access necessary forms and documents. Simply log into the LGA portal, go to My Accounts, and download any forms you need from the drop-down list in the bottom-right corner.
Customer care
Some clients just prefer to speak with a real person. Our customer care representatives are available 8:00 a.m. through 5:00 p.m. (ET) Monday through Friday. GAs and clients alike can give us a call at 800-638-8428, Option 2, or send us an email at customerservice@bannerlife.com. We look forward to serving you!
Three ways to file
Online (our preferred method) https://www.lgamerica.com/life-insurance/claims Email Banner-Claims@lgamerica.com or Penn-Claims@lgamerica.com Phone 800-638-8428, Option 3
Filing a claim
NOTE: Rider claims typically require separate forms—specific to the rider, disability, or accelerated death—that include a section for the insured’s physician to certify the disability or terminal illness.
To register Clients will need to provide their policy number as well as some personal information to start an account.
Setting up automatic payments Just set it and forget it. All your client will need to do is download, complete, and send in this electronic funds transfer (EFT) form.
Here’s a little more about what you and your client will need, and will need to do, in order to submit a claim.
Main navigation The menu system makes it easy to find account and billing information, send a message to the LGA team, access important documents, and make profile changes.
Using the portal Clients like to use the LGA portal to: • Access forms to print • Make a one-time payment • Print and download policy documents • See agent of record information • Sign up for alerts • Submit a beneficiary change • Upload forms for processing • View latest bill • View payment to date (PTD) • View policy information
Three ways to pay
We offer plenty of options for your clients. Although they can use whichever they prefer, we always recommend automatic payments.
Making a one-time payment The quickest way to get a one-time payment in before it’s too late is to visit the “Billing” tab in the LGA portal. You can save your banking information to streamline future one-time payments.
Payments over the phone Our Intelligent Voice Assistant can help your clients set up EFT for the first time, update their banking information (routing and account number), or make a one-time payment. For more assistance, they can call our Customer Care professionals Monday – Friday, 8:00 a.m. until 5:00 p.m. at 800-638-8428.
We’re here to help
We have a variety of contacts and resources to assist clients after their policy has been issued. In this section, we will guide you through:
Using the LGA portal Making payments Online servicing Customer care call center Filing claims
Documents needed • Claimant Statement Form (completed by beneficiary) • Certified death certificate for the insured (providing final manner and cause of death) Clients may also need • Divorce decree to include property settlement (if a divorce has occurred) • Proof of name change (e.g., marriage certificate) for court-filed name changes • Probate court documentation regarding administration of estate • Guardianship/conservatorship paperwork for minor beneficiaries • Copies of death certificates for predeceased beneficiaries • Foreign travel questionnaire and Death of a U.S. Citizen Abroad Form in the event of a death overseas • Birth certificate for children insured under a child rider claim
NOTE: Claims submitted within the two-year contestability period may take longer to process as we conduct thorough investigations into deaths which may occur during this timeframe.
Medical records from the physician, confirming the condition or diagnosis, may also be required.
Lorem ipsum
Selling with us
Let’s go through some necessary forms and paperwork so we can all get back to business.
Before you submit your first application
Help us streamline the underwriting process and avoid unnecessary delays by having contracting paperwork filed before the first application is submitted. Once all the paperwork is submitted, agents can get their agent codes and drop tickets through our Horizon Experience.
• Log into Partner Dashboard • Select “View All Forms” • In the category drop-down menu, choose, “Broker Contracting” • In the company drop-down menu, choose “Banner”
You can find commission statements and more in Partner Dashboard. Here are a few tips to help you with commissions.
Licensing process timeframe
So, about those commissions
Agent assistance
Let us help you answer some of the questions we get asked most often.
Up to 5 days 2–15 days Up to 5 days
Contracting paperwork received Background check Appointment confirmation
State appointments made easy
As you know, agents must be appointed to sell life insurance in each state that they do business. Here at LGA, your agents can simply drop their first ticket and we’ll take care of the necessary state appointments on our end. We do this concurrently with the normal New Business and Underwriting processes, so everything is as smooth and painless as possible.
To access the contracting paperwork you need to get started:
For more licensing onboarding training, click here.
If you don’t already have your contracting paperwork submitted, you can submit with first sale, but this can cause additional delays with policy offer and issue.
To view your commissions in Partner Dashboard, click “Commissions,” then “My Commissions. (Note: Commissions are not generated for balances of $50 or less.)
To print your commission statement in Partner Dashboard, click “Commission Statement,” then enter the start and end date. After that, just click “Generate PDF.”
The Earned Commission Statement reports commissions earned based on received premiums. It includes: Plan Code: Plan of insurance coverage for which commission is being paid (e.g., OP for the OPTerm series) Mode: Premium payment frequency (M for monthly, Q for quarterly, S for semiannual, A for annual) F/R: First year or renewal commissions
The writing agent is the one who originally submits the policy, receives commission on the policy, and has access to the policy and case details through Partner Dashboard. When a request is received to change the agent on an active case, the agent becomes a servicing agent. The servicing agent will not receive any commissions or be able to view the policy in Partner Dashboard.
Yes, an advisor can be contracted with multiple GAs and will receive an agent code for each GA. It is the agent’s responsibility to use the correct agent code associated with the right GA when submitting an application.
The BMGA or agent must submit the request in writing in order to process an address change.
If the advisor is not currently appointed to sell in a state, they may still submit an application and once submitted, that state will automatically be added to the advisor’s contract for appointment processing.
Submit a letter from the policy owner advising of agent change. This letter should include the policy number, new agent’s name, and new agent’s code (if available). Be sure to have the policy owner sign the letter.
Submit the completed BK12 form, available through Partner Dashboard, along with a copy of a voided check.
How does an advisor change banking information?
How does an advisor request an agent of record change?
How does an advisor request an address change?
Can an advisor be contracted with multiple GAs?
What’s the difference between a writing agent and servicing agent?
How does an advisor add a new state for appointment?
Click to enlarge
What if my agent submits a case and I want to change the contracting setup?
Commissions are paid based on how you were contracted at the time you submitted the application. If contracting changes are made after the policy is submitted, the pending cases in house need to be referenced.
