Business Details
45 Years
experience
Trusted Life Insurance Solutions in Frederick, MD
At Legal & General America, our mission is to protect families and businesses through life insurance, a commitment we've upheld for over 70 years. As part of a globally recognized financial services group established in 1836, we combine decades of expertise with financial strength to deliver reliable solutions. Our focus on term life insurance, the most affordable and flexible option, ensures clients receive comprehensive coverage tailored to their needs. With high ratings from Fitch, S&P, and A.M. Best, we prioritize transparency, competitive pricing, and exceptional service.Our network of 150,000 agents nationwide helps customers customize policies, whether for mortgage protection, income replacement, or long-term legacy planning. We pride ourselves on simplifying the insurance process, offering instant quotes, lab-free applications, and rapid claim settlements to provide peace of mind. Backed by a multinational powerhouse, we remain dedicated to safeguarding financial futures while maintaining socially responsible practices that benefit communities and the environment.
Services
Term Life Insurance
Universal Life Insurance
Mortgage Protection
Income Replacement
Child Rider
Pet Insurance
Details
- Year established: 1981
Highlights and features
- We offer over 70 years of expertise in life insurance solutions.
- Our policies are backed by a globally recognized financial services leader.
- We provide competitive rates with term life starting at $8/month.
- Our network includes 150,000 agents for personalized local support.
- We guarantee rapid claim settlements within one business day.
Associations and certifications
- Fitch
- S&P
- A.M. Best
What people say
Affordable rates
Swift claim process
Reliable coverage
Excellent service
Services
Term Life Insurance
Term life insurance provides affordable, fixed-term financial protection for dependents. Ideal for mortgage coverage, income replacement, or debt protection, it offers guaranteed rates for 1040 years. Policies can be converted to permanent plans or enhanced with riders for tailored security.
Universal Life Insurance
Universal life insurance offers lifelong coverage with flexible premiums and cash value accumulation. Adjustable death benefits and investment options make it suitable for long-term legacy planning or estate preservation strategies.
Child Rider
This optional add-on provides a death benefit for children, offering financial support for unexpected expenses. Available in most states, it ensures families receive additional protection during critical life stages.
Questions
What types of life insurance do you offer?
We provide term life insurance for temporary needs and universal life insurance for permanent coverage.
How much coverage do I need?
Experts recommend 6–8 times your annual income, but we help customize amounts based on your financial obligations.
Are medical exams required?
Many applicants qualify for lab-free policies, though some cases may require health assessments.
How quickly are claims processed?
Approved claims are settled within one business day after receiving required documentation.
Can I adjust my policy later?
Term policies can convert to permanent plans, and riders allow adjustments for evolving needs.
Videos
Reviews (6)
Ginacook Cook
Jun 17, 2022
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Horrible company sent me a letter certified mail saying that my ex-husband was dead and that he was overpaid in his policy and that I needed to pay it we've been divorced for 15 years I have nothing to do with that man's finances but to find out that he was dead and then find out that he really isn't dead mind blowing
Cindy Slyh-Curtis
Jun 14, 2021
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I have received two letters from this company, the second one came certified mail. They offer their deepest sympathy to me and my family on loss of a family member. Next paragraph requests a repayment by electronic funds transfer over an over payment of an annuity of $2,346.30. They also request information (?) so they can close this file. My husband and I have never heard of the deceased loved one.
Either this is very sloppy business practices or it is one heck of a scam! I replied that we don't know this person and I filed a complaint with the BBB. If I receive anymore letters my next step will be to file a complaint with the Attorney General's office and anyone else that might be helpful. Anyone else out there have this experience? WE DO NOT HAVE a policy with you. I have never heard of of this company until I received the two letters from you. WE HAVE NEVER HEARD of the so called deceased relation either. Your job now is to find out who has sent these letters to me, and why? Most important, I never want to hear from your company again!
Either this is very sloppy business practices or it is one heck of a scam! I replied that we don't know this person and I filed a complaint with the BBB. If I receive anymore letters my next step will be to file a complaint with the Attorney General's office and anyone else that might be helpful. Anyone else out there have this experience? WE DO NOT HAVE a policy with you. I have never heard of of this company until I received the two letters from you. WE HAVE NEVER HEARD of the so called deceased relation either. Your job now is to find out who has sent these letters to me, and why? Most important, I never want to hear from your company again!
Marissa Williams
Dec 03, 2019
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Worst company ever. I've tried updating a policy for a month now with no success. I've sent documents via fedex that are repeatedly lost. I'm not sure how to trust a company if it can't track simple paperwork. They have motivated me to move my business elsewhere.
Joshua Kennedy Issachar Church
May 15, 2019
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Beware! I had Banner Life Insurance for 3 months. My wife and I both got Policies and thought everything was OK. I saw the money coming out of my account so I thought nothing about it. (again we had 2 policies) So i go to the mail 9/15/2018 and get the mail. I have a letter saying my wives policy had not been paid. (when we set them up we set up auto payments from the same account.) The letter was dated 9/10/2018 and told me I had until 7/23/2018 to pay the 2 months payment.
It was a small amount. I would have paid it but I don't have a time machine so wives policy is gone. No call, no other notice. I am so glad we only had them 3 months, could you imagine paying for years and having this happen to you. I called them and they offered no help I quickly canceled my policy (which was almost 3 times the price.) If you are that backwards I don't want to work with you.
It was a small amount. I would have paid it but I don't have a time machine so wives policy is gone. No call, no other notice. I am so glad we only had them 3 months, could you imagine paying for years and having this happen to you. I called them and they offered no help I quickly canceled my policy (which was almost 3 times the price.) If you are that backwards I don't want to work with you.
Nick Beske
Oct 27, 2018
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Your policy documents are not available online and they are not provided when you renew your policy. If you need a copy of your policy it will cost you $25 for a "processing fee". Horrible customer service from a company that obviously only cares about money.
D. I.
Apr 03, 2015
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Found this great place for my life insurance plan. Their team is excellent and they really took care of me. Thanks for all the help and I hope I never have to actually use my plan!
