Legal & General America is one of the only carriers to offer a 25-year term plan – and our rates nearly always top the list for lowest premiums. Our exchange program gives existing customers a valuable option to swap policies and restart term coverage for another 25 years. Why revisit the original purchase decision? You know the answer: Customers sometimes need a reminder to consider future coverage needs, premiums increase with age, and health issues can affect underwriting decisions. Learn more.