Legal & General- New Term Rates and Underwriting Updates (8/19/19)

New Term Pricing: Effective August 19, 2019

New rates for Banner and William Penn OPTerm 10, 15, 20, 25 and 30 include a mix of decreases and increases. No changes to our highly-competitive rates for OPTerm 35 and 40.


Get Term Rate Details here.

Underwriting Changes- see the Guidelines here.

Changes include:

  • New unisex build chart resulting in significant improvements to female build
  • No routine Electrocardiogram (EKG) requirement for ages 41-50 at any amount
  • No routine Chest X-ray (CXR) at any age or amount
  • New blood pressure limits by class
  • Labs for proposed insured’s age 51 and older will include CEA testing