Reduced OPTerm Rates and Modal Factors (11-21-17)


New Rates and Reduced Monthly Modal factors Make OPTerm More Competitive Than Ever!

Effective November 21, 2017

Legal & General America OPTerm Rate Change : For all ages, classes, amounts, and durations, OPTerm pricing including NY, ranks #1 - 78% of the time.* Rate decreases restored our #1 price ranking against core competitors.

 Modal Factor Change: The monthly modal factor has been reduced from .0875 to .086. Both annual and monthly rates are highly competitive!

*Price rankings based on both Banner and William Penn OPTerm monthly pricing at quinquennial ages

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