Banner Life Insurance Quote: Get Reliable Coverage You Can Trust
Why a Banner Life Insurance Quote Is Worth Your Time
Last Updated: November 1, 2025 | Written by President of Term Life Online – AU, AAI, ARM
When shopping for life insurance, you want a company that’s known for financial strength, affordable rates, and easy online quoting. That’s exactly what you get with Banner Life Insurance.
Whether you’re looking for term life or universal life coverage, Banner (a subsidiary of Legal & General America) makes it simple to find protection that fits your budget — and your family’s future.
Getting a Banner Life Insurance quote isn’t just about finding the lowest premium — it’s about choosing dependable coverage from one of the most trusted names in the industry.
What Makes Banner Life Insurance Stand Out
Banner Life has earned its strong reputation by focusing on three key principles: affordability, flexibility, and reliability.
Here’s why so many Americans choose Banner Life:
1. Competitive Term Life Rates
Banner Life consistently ranks among the top insurers for low-cost term life insurance. Their pricing structure helps healthy applicants save up to 20% compared to other leading providers — without cutting corners on coverage.
2. High Financial Ratings
With an A+ (Superior) rating from A.M. Best, Banner Life offers peace of mind knowing your policy is backed by a financially strong and stable insurer.
3. Flexible Term Lengths and Coverage Options
Banner offers 10-, 15-, 20-, 25-, and 30-year term policies, with coverage amounts starting as low as $100,000 and going up to millions — ideal for families, homeowners, or business owners.
4. Fast, Easy Online Quotes
In just minutes, you can get a personalized Banner Life Insurance quote online — no pushy sales calls, no complicated forms. Many healthy applicants even qualify for accelerated underwriting, meaning no medical exam is required.
How to Get a Banner Life Insurance Quote Online
Getting your Banner Life Insurance quote is quick and straightforward. Here’s how:
- Visit the official quote portal or a trusted independent broker that works with Banner Life.
- Enter your basic details — age, gender, height, weight, and health history.
- Choose your coverage amount and term length.
- Compare instant rates from Banner Life with other top insurers.
- Apply securely online and receive approval in as little as 24–48 hours if you qualify for no-exam coverage.
Pro tip: Even if you’ve been denied by another company, Banner’s lenient underwriting for certain health conditions (like high blood pressure or cholesterol) might make them a great fit.
Banner Life Insurance Products
Term Life Insurance
- Ideal for families and income protection
- Level premiums for the entire term
- Age range 20-75
- Policy term length of 10, 15, 20, 25, or 30 years
- Renewable and convertible to permanent coverage
- Coverage type – Term (temporary) life insurance
- Coverage range – $100,000 up to $10,000,00
- Medical exam – May not be required. Banner will look at your application to determine if you need to take a medical exam. If you’re under age 50 and applying for less than 1 million dollars in coverage, you might qualify for accelerated underwriting without any health exam needed.
- Health questions – Yes
- Application process – You can get an instant quote online, but you’ll need to speak to an agent to complete your application. Some applications might need a medical examination.
- Underwriting – Accelerated
- Approval time – Decisions may be reached during your phone call with an agent in some cases. However, you may need to wait a few hours or wait on the results of a medical exam.
- Riders included – Accelerated death benefit
Universal Life Insurance
- Permanent coverage that lasts your lifetime
- Flexible premium payments
- Potential cash value growth over time
- Great for long-term estate or business planning
Who Should Consider Banner Life Insurance
Banner Life is perfect for:
✅ Young families protecting their home and income
✅ Business owners securing key-person coverage
✅ Individuals with mild health issues seeking fair rates
✅ Anyone wanting high coverage limits without overpaying
Their blend of affordability, lenient underwriting, and financial stability makes Banner one of the best life insurance choices in the U.S.
How Banner Life Compares to Other Top Insurers
Feature Banner Life State Farm Prudential Lincoln Financial
A.M. Best Rating A+ (Superior) A++ A+ A+
No-Exam Option Yes (select applicants No Yes Yes
Term Lengths 10-40 years 10-30 years 10-30 years 10-30 years
Online Quotes Instant Limited Available Available
Conversion Options Yes Yes Yes Yes
- Banner Life often beats competitors on price for healthy and moderately healthy individuals.
Customer Experience and Reviews
Customers frequently praise Banner Life for:
⭐ Easy application process
⭐ Competitive rates
⭐ Responsive customer service
⭐ Fast approvals for term life policies
Many policyholders appreciate that Banner balances low premiums with long-term reliability, making it a favorite for families seeking real value.
Frequently Asked Questions About Banner Life Insurance Quotes
1. Is Banner Life Insurance legitimate?
Yes. Banner Life is a highly reputable company owned by Legal & General America, one of the largest financial services groups in the world.
2. Can I get a Banner Life Insurance quote without a medical exam?
Yes, some applicants qualify for accelerated underwriting, which skips the medical exam if you meet certain health criteria.
3. How long does it take to get approved?
Most online applications are approved in 24–72 hours, though cases requiring medical exams may take longer.
4. Can I customize my policy?
Absolutely. You can adjust your term length, coverage amount, and beneficiaries to match your financial goals.
Get Your Free Banner Life Insurance Quote Today
Don’t wait until it’s too late to protect your family’s future.
A Banner Life Insurance quote gives you peace of mind knowing you’re backed by a trusted, A+ rated company — at a price that fits your budget.
👉 Get your free, no-obligation Banner Life Insurance quote today and see how affordable true financial protection can be.
Compare Life Insurance Quotes
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance protection.
Regardless of your age or health background, we'll shop our 63 top life insurance companies (Including Banner Life / Legal & General America) and find you affordable life insurance you need to protect your family and fit your budget.
Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.
Resources:
- Learn How a Term Life Insurance Policy Works
- Use a Term Life Insurance Needs Calculator
- Tips for Buying a Term Life Insurance Policy
- A.M. Best Company: Compare financial strength ratings of life insurance companies
- Life Happens.org: Learn about life insurance and review facts.
- Investopedia: Learn more about financial planning with term life insurance.
About Our Methodology
Reviewed By: President of Term Life Online – AU, AAI, ARM
- 30+ years of experience in insurance planning
How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.
At Term-Life-Online.com We value your trust and privacy.
Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.
Disclosure: Compensated Affiliate