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William Penn Life Insurance Co. of New York

Term Life Insurance

William Penn is a wholly owned subsidiary of Banner Life, a part of Legal & General America companies.

Term Life America Insurance is proud to offer William Penn Life Insurance Co. of New York Term Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations.

Our History

The history of William Penn Life Insurance Company of New York is nearly 40 years strong. Chartered in 1962, we were acquired by Legal & General Group Plc as a wholly owned subsidiary of Banner Life Insurance Company in 1989. Today we're one of the Legal & General America companies.

Since that time, management for both companies has been consolidated at the senior level. Banner Life's national presence, William Penn's four decades of brokerage experience and the operational synergy between both companies is a strong combination.

Today William Penn's individual life insurance and annuity products are sold in New York only, through independent insurance agencies.

William Penn believes in partnerships for life.

No matter how careful you are, or how much you think ahead, life is often unpredictable. That's what life insurance is for, planning for what you can't predict. What you can count on is the performance and strength of your insurance company. We make it our business to prepare for the unexpected so that you can get the most out of life.

Real life means keeping promises.

At William Penn, we take our financial promises seriously.  We also promise to treat our customers fairly and to apply ethical standards to every business transaction. We believe in offering low-cost, innovative products and responsive service. Our goal is to build lasting, mutually beneficial partnerships for life.

Our ratings speak for themselves.

While we are proud to be a member of the Legal & General Group Plc, we take an even greater pride in our financial and management independence. Our ratings indicate that William Penn can and will honor its commitments to policy-owners, based on its own, independent financial strength. 

New York Replacement Laws Explained

Please be aware!

New York has more stringent replacement laws than most states.  When replacement of an existing life insurance policy is being considered, the replacing carrier must notify the existing carrier prior to applying for the new policy.  The existing carrier has 20 days to respond before an applicant can proceed with a new application.     Learn more

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Garden City, NY. Banner is licensed to do business in 49 states and the District of Columbia. William Penn does business exclusively in New York; Banner does not solicit business there.

The William Penn OPTerm life insurance premiums quoted here are based on the information provided for this quote. The quote is based on the assumption of excellent health and does not take into consideration occupational risks or other avocations. Approval and actual rates will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria.

Please refer to the policy form for full disclosure of benefits and limitations. OPTTerm 10, 15, 20 and 30 are term life insurance policies. OPTerm 10 issue ages 20-80 non-tobacco classes; 20-77 tobacco classes. OPTerm 15 issue ages 20-70 non-tobacco classes; 20-69 tobacco classes. OPTerm 20 issue ages 20-63 for non-tobacco classes, 20-62 for tobacco classes. OPTerm 30 issue ages 20-51 for non-tobacco classes;, 20-50 for tobacco classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999, $1,000,000 and above.
Premiums quoted include $65 annual policy fee.

Initial premiums remain level for 10, 15, 20 and 30 years respectively. After the initial level term period, premiums increase annually to age 95. OPTerm 10, 15, 20 and 30 can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus nontobacco or standard non-tobacco, preferred tobacco and standard tobacco rates. Substandard policies can be issued through Table 12, subject to underwriting discretion.

Policies can be returned without obligation within 30 days of receipt. Rates as of 14-04-2012.

Additional Insurance Riders, form AIR (1-11), can provide temporary life insurance coverage for 10, 15 or 20 years after which coverage ceases. Term riders are not available in all states; issue ages vary from base plan. A Waiver of Premium Benefit Rider, policy form # WPTR, is available. A cost-free Accelerated Death Benefit Rider, policy form # ADB(07-10), is included with all policies. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations.

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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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