Carrier Ratings

A+ (Superior)

AM Best Rating

Analysis Report AM Best

AA- (Very Strong)

Standard & Poor Rating

Analysis Report Standard & Poor

Available Life Products

Term Life Insurance

Banner Life offers guaranteed term insurance policies for 10 - 15 - 20 - 25 - 30 - 35 and 40 years. Premiums are guaranteed for the life of the product

Universal Life Insurance

Banner Life offers traditional flexible premium Universal Life Insurance. Through their Life Step UL product your policy offers an additional layer of protection and will remain guaranteed so long as you pay your scheduled life premiums.

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No-Exam Options

Banner Life offers no exam life insurance between the ages of 20 and 60 for a maximum benefit of up to $2 million.

  • You must have had a medical exam with your own personal physician within the last 18 months.

Available Riders

Accelerated Benefit Rider

Provides up to 75% of your death benefit or up to a maxium of $500,000 in advance of death after having been diagnosed with a qualifying terminal illness.


Where available, this rider provides for up to $10,000 in coverage for your children until their age of 25


Where available, this rider credits the cost of your policy in the event of your Total Disability.

Conversion Options

Banner Life term insurance is convertible up to your age of 70.

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Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.