The Horizon Experience: An innovative approach to term life insurance At LGA, personal service gets a digital edge so you can focus more on growing your business and less on the busywork.

At LGA, personal service gets a digital edge so you can focus more on growing your business and less on the busywork.

Term life as easy as 1-2-3

Two people interacting with a tablet

We’re always discovering new ways to make the process for acquiring life insurance faster, simpler, and more flexible for you and your clients. Removing burdensome administrative tasks will help you drive more term life sales profitably.

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1 Digital
application
Personalized online questions, submitted in minutes
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2 Underwriting
Accelerated and automated for fast decisions
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3 Offer
Customized delivery based on your preferences
Icon of a phone 1 Digital
application

Choose the application method that works best

With our digital application, all questions and forms are reflexively generated in real time, so advisors don’t need to worry about state variations of applications, amendments, and version control.

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Client driven Icon of a question mark

Let your clients go through the mobile-optimized application on their own time. They can complete the application in about 20 minutes.

X icon Client driven

90% of applicants who start an application on their own finish it.

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Advisor assisted Icon of a question mark

Advisor-assisted applications help reduce completion time by letting you offer guidance.

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You can choose to complete the application together or send your client a link so they can take it to the finish line.

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Phone interview Icon of a question mark

After you reserve an interview time, our in-house AppAssist® team will conduct a 30-minute phone interview at your client’s convenience and complete the application in real time.

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Our built-in scheduler makes planning the interview easy. We’ll take care of the paperwork so you can focus on reaching new clients.

Icon of a contact card 2 Underwriting

The LGA Underwriting Superhighway

Review the ways our “all-in-one” platform can get your clients a quick underwriting decision. Learn how real-time requirements ordering and EHRs allow 69% of applications to be issued lab-free.

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Instant Decision
Lab-Free Decision
Lab-Only Decision
Full Underwriting
% of applications submitted
38%
76%
6%
18%
Eligibility requirements
Age: 20 – 60
Age: 20 – 60
Age: 20 – 60
Varies by product
Coverage
Up to $2M
Up to $2M
Up to $2M
Varies
Medical information utilized
Public records
Public records plus EHR, APS, or recent lab work
Public records plus required lab results
Public records, medical exam, and lab work required
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Over 50% of cases will have decisions in 10 days or less.

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Fast, secure offer/pay/issue

Our digital process offers significant advantages — policies get placed quickly, transactions are executed instantly, and payments are processed automatically.

Delivered your way

Depending on your agency’s digital preferences, your agency can decide how the offer is sent to your client and whether they can customize their coverage.

Hover overClick the icons below for more details:

Double arrow icon Get more or
get less options

We are the only carrier that can offer more or less coverage in real time without having to go back to an underwriter to be reissued.

Double arrow icon Customized
offers

Choose the way you’d like offers sent, either through your office or directly to clients.

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decisions

Qualifying clients will receive an offer as soon as they hit “Submit.”

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pay options

We process credit card and EFT payments immediately.

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availability

Digital records and applications are accessible 24 x 7.

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delivery

Digital delivery guarantees policies are kept secure and confidential.

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transparency

Real-time status throughout the process keeps you updated on progress.

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commissions

Commissions are generated automatically as soon as the policy is activated.

Advise at your best

We white glove so you don’t have to. From digital applications to approval, insurance innovations are with you every step of the way.

Flexible and tailored for your business

Customize your own process and manage your business your way with as much or as little involvement as you like.

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Preferences Question mark icon

Customize your agency and digital application preferences. Choose from options such as when an offer will be sent and whether clients can customize coverage.

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  • “Save age” can be toggled on or off
  • Offers can be sent directly to clients or to you for a five-day delay
  • Customize case status feeds for your BGA
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Statuses Question mark icon

Track case status for all clients through Application Manager, available from either the LGA Partner Dashboard or electronic status feeds.

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  • LGA Partner Dashboard registration is required to access Application Manager
  • View and download documents as soon as they are received
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Advisor Hub Question mark icon

Whether you need a rate calculator or product brochure, you’ll find all the resources to help inform clients and staff about products, programs, and promotions.

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Frequently asked questions

Learn more about how our digital process makes it easier than ever to provide life insurance protection.

Nope, you can complete the application or access our self-service portal from your smartphone, tablet, or laptop.

It shouldn’t take longer than about 20 or 30 minutes total to complete, depending on which digital application method you choose.

Men and women age 20 through 60 years old, up to $2M coverage, any term duration.

With Preferred Plus, we can consider clients who occasionally smoke cigars and cannabis, live with high cholesterol and hypertension, or have non-melanoma skin cancer. With Preferred, we can even consider clients with well-controlled depression and anxiety, well-controlled asthma, and mild sleep apnea.

You will receive an email as soon as they hit “Submit.”

Our Lab Lift program is automatically included as the next step. It substitutes electronic health records (EHRs), an attending physician statement (APS), or recent lab results for a paramedical exam so your client can still receive an accelerated underwriting decision.

20% of cases receive an instant decision. If not, they automatically proceed to accelerated underwriting. 30% of cases receive approval within 10 days, and most cases we receive are approved without the need for any additional exam or lab work.

Just log into Application Manager through the LGA Partner Dashboard or check for case status from our electronic status feeds. You will also receive a notification whenever an underwriting decision is made.

“The client completed the application in about 20 minutes. I dropped the ticket, the client paid, and eight minutes later, they received their policy packet. 30 minutes and done!” – Ryan C., Borden Hamman Agency. Click here for more partner testimonials.