L&A distributes its products and services through a network of contracted Intermediaries. These Intermediaries have close, confidential relationships directly with HNW clients and/or the client’s financial advisors. L&A will assist our Intermediaries in providing offshore life and annuity solutions for their clients which in turn will further enhance the relationship between the Intermediary and their client.

Our Intermediaries can expect L&A to provide product education, sales training, illustration services*, sales and marketing brochures, all required submission and application documentation, responsive service, a highly competitive level of compensation and prompt compensation payments.

If you are an Intermediary who is interested in a distribution agreement with L&A, please proceed to the “Contact Us” page and contact us via phone, fax or email. If you are an individual client who is interested in purchasing a product or service that L&A distributes, please contact us and we will direct you to an Intermediary to assist you.

* L&A provides our Intermediaries with access to illustration services through our Illustrations Team. For more details, please go to the Illustration Services tab on this page.

Illustration Services

L&A has created an Illustrations Team for all of our contracted Intermediaries. The Illustrations Team is able to respond to your requests virtually 24 hours a day on business days. In almost all cases, illustrations will be received within 1 hour of the request and in many instances in less than 30 minutes assuming that all required information is provided.

All illustration requests are to be sent to This email address is being protected from spambots. You need JavaScript enabled to view it. with copies to This email address is being protected from spambots. You need JavaScript enabled to view it. and This email address is being protected from spambots. You need JavaScript enabled to view it.. Requests will be answered in the order in which they are received. In order to provide the fastest possible response, please ensure that your requests include as much information as possible:

• Name of Insurance Company
• Name of Client (if available)
• Gender
• Date of Birth (DOB) or Age (DOB is preferred. Please spell the month to avoid confusion, e.g. November 5th, 1966)
• Country Code*
• Smoking Status
• Risk Class*
• Face Amount and/or Premium Amount
• Withdrawals (if any)

* Please refer to the Country Code List and Risk Class Guide for the specific insurance company being quoted. Please note that L&A will provide these upon an executed Intermediary Agreement.