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Term life pays your beneficiaries if you die during a set number of years. Key things to compare: how long a term you can lock in, whether you can later convert to permanent coverage without a new medical exam, and how you apply. Facts below come from each insurer's own product pages, plus California's official complaint ratios. We don't show prices or give quotes.
Product details can vary by state and change; confirm on the insurer's site before applying.
Source: Legal & General America term life page (checked 2026-10-12)
Here are the facts we could confirm on Legal & General America (Banner Life)'s own page (2026-10-12): term options: 10, 15, 20, 25, 30, 35 or 40 years; longest term: 40 years; issue ages: Ages 20–75; how to apply: Online quote tool; convert to permanent?: Yes, option to renew or convert to a permanent policy; complaints (california 2025, life): 0.7 per 100,000 policies (1 justified complaint; Banner Life Insurance Company); quotes: We don't sell insurance or give quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Legal & General America term life page (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.