Legal & General America

At Legal & General America (LGA), a paradigm shift in the life insurance industry is being driven by a relentless focus on technological innovation and digital transformation. The company is revolutionizing the traditional, often cumbersome, process of securing life insurance by leveraging cutting-edge technology to create a streamlined, customer-centric experience. This forward-thinking approach is not merely about digitizing existing processes but fundamentally reimagining how life insurance is bought and sold in the United States. Through its industry-leading Horizon platform, LGA offers a hassle-free digital buying journey for both advisors and their clients. This platform's thoughtful, reflexive digital application can be completed in as little as 15 minutes, even from a mobile device, a stark contrast to the lengthy procedures that have long characterized the industry. This commitment to speed and efficiency has resulted in more than one in three applicants receiving an instant decision and over 75% receiving an exam-free offer, a testament to the power of their advanced underwriting and data analytics capabilities.

The core of LGA's innovation lies in its sophisticated use of data and artificial intelligence. By harnessing multiple real-time data sources, including prescription history and other medical information, the company is able to validate application information instantly and make faster, more accurate underwriting decisions. This data-driven strategy, coupled with machine learning, has dramatically reduced policy issuance times. The company's technology stack, which includes modern solutions like Azure Stack HCI, is continuously evolving to support this digital-first model. This allows for agile development, with sprint releases every two weeks, ensuring the platform remains at the forefront of market trends. By embracing technologies like robotic process automation (RPA) and low-code platforms, LGA empowers its teams to innovate rapidly, enhance efficiency, and maintain competitive pricing, ultimately making financial protection more accessible to American families and businesses.