New York: Go Lab Lift exam-free up to $2m for paper apps

As other carriers discontinue doing business in New York, we'd like to take this opportunity to let you know that we remain committed to providing great products and friendly service to our William Penn BGA's and advisors. We make it easy to do business so we've included just a few reasons below to submit your next case with LGA.

Consistent financial ratings
Legal & General America has an industry leading 95 COMDEX score, which is a composite of all the financial strength ratings we have received. We hold an A+ (Superior) financial strength rating from A.M. Best and AA- (Very Strong) financial strength rating from Standard & Poor’s and Fitch Ratings.

Underwriting strengths
We have recently revised our temporary COVID guidelines to provide more opportunities for cases to be underwritten, approved and issued. See our Underwriting Field Guide.

Accelerated UW and exam substitution programs
Accelerated underwriting is available through our industry-applauded AppAssist tele-application program and can speed qualified applicants through to approval with no medical exams, labs or APSs. Eligible clients up to age 60 submitting paper applications can also enjoy up to $2 million in exam-free coverage with our Lab Lift exam substitution program. An APS will be used as a substitute for a paramedical exam and fluids for those with recent physician visits and bloodwork (last 18 months). All rate classes, including Sub-standard, are eligible for the program.

Digital solutions
Submit business in minutes from Legal & General America’s Partner Dashboard or various multi-carrier drop ticket platforms. Meet client expectations with electronic signature, payment and delivery of policies through DocuSign. eDelivery reduces cycle time and eliminates mailing costs. Clients can use a debit card, credit card or PayPal® to pay initial premiums online. ACH bank draft is also available.

Self-service options
Agents can utilize our Partner Dashboard to view the status of their business, download forms and applications, and run commission statements and quotes. Customers can go to lgamerica.com and register online to service their policy, make premium payments, change address, and add or change beneficiaries. There are even options for billing notifications via text and the ability to pay on the go!