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Here's how Prudential and Legal & General America (Banner Life) term life compare on facts from their own pages. We don't provide quotes.
| Prudential | Legal & General America (Banner Life) | |
|---|---|---|
| Term options | Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95 | 10, 15, 20, 25, 30, 35 or 40 years |
| Longest term | 30 years | 40 years |
| Issue ages | Not found on the insurer's page | Ages 20–75 |
| How to apply | Not found on the insurer's page | Online quote tool |
| Convert to permanent? | Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary | Yes, option to renew or convert to a permanent policy |
| Complaints (California 2025, life) | 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company) | 0.7 per 100,000 policies (1 justified complaint; Banner Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: Prudential Term Essential brochure (checked 2026-10-12) · Legal & General America term life page (checked 2026-10-12)
More on Prudential · More on Legal & General America (Banner Life) · All term life insurers
Term options: Prudential Term Essential: 10, 15, 20 or 30 years; premiums rise yearly after the level period, to age 95, Legal & General America (Banner Life) 10, 15, 20, 25, 30, 35 or 40 years; Longest term: Prudential 30 years, Legal & General America (Banner Life) 40 years; Issue ages: Prudential Not found on the insurer's page, Legal & General America (Banner Life) Ages 20–75; How to apply: Prudential Not found on the insurer's page, Legal & General America (Banner Life) Online quote tool; Convert to permanent?: Prudential Yes, without a new medical exam. Issue age 59 or under: by the end of the level period or the anniversary after age 65, whichever is earlier; ages 60–75: by the 5th anniversary, Legal & General America (Banner Life) Yes, option to renew or convert to a permanent policy; Complaints (California 2025, life): Prudential 0.0 per 100,000 policies (0 justified complaints; Pruco Life Insurance Company), Legal & General America (Banner Life) 0.7 per 100,000 policies (1 justified complaint; Banner Life Insurance Company); Quotes: Prudential We don't sell insurance or give quotes, Legal & General America (Banner Life) We don't sell insurance or give quotes.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.