Business Details
Your Trusted Partner for Comprehensive Insurance Solutions
Legal & General has been safeguarding families across the UK for over 185 years, offering a comprehensive suite of insurance and financial protection solutions. Our expertise spans life insurance, critical illness cover, over-50s policies, and business protection, underpinned by a Defaqto 5 Star Rated accreditationthe highest industry standard. We combine deep sector knowledge with customer-centric services, including Wellbeing Support and Care Concierge, to address both immediate and long-term needs. In 2024 alone, we paid out 583 million in life claims, supporting over 14,000 families, while our 24/7 claims team ensures timely assistance during challenging times.Our fixed-premium policies, flexible coverage options, and commitment to transparencyevidenced by no hidden fees and clear policy documentationreinforce our position as a trusted market leader. With a heritage of innovation and a focus on evolving customer needs, we deliver reliable, accessible protection tailored to diverse life stages and financial circumstances.
Services
Life Insurance
Decreasing Life Insurance
Critical Illness Cover
Over 50 Life Insurance
Income Protection
Business Protection
Highlights and features
- We have over 185 years of experience in UK insurance provision
- Our Defaqto 5 Star Rated cover meets the highest industry standards
- We offer Wellbeing Support and Care Concierge services at no extra cost
- Our 24/7 customer service team provides immediate assistance with claims
- In 2024, we paid out 583 million in life insurance claims
Associations and certifications
- Defaqto
Services
Life Insurance
Our Life Insurance provides financial protection through fixed-premium policies that pay a lump sum upon death. Cover lasts for chosen terms up to 50 years, with options to add critical illness protection. Policies help families maintain financial stability by covering mortgages, childcare costs, and living expenses. We paid 583 million in claims during 2024.
Critical Illness Cover
Critical Illness Cover offers financial support for diagnoses of specified conditions like cancer and heart attacks. Policies include children's coverage, wellbeing support, and additional benefits. Claims paid within 5 working days, with 303 million distributed in 2024 to assist 4,200 families with recovery-related expenses.
Over 50 Life Insurance
Designed for ages 50-80, this guaranteed acceptance policy requires no medical checks. Full coverage activates after one year, paying out for funeral costs or inheritance. Premiums fixed until age 90, with options starting from 5 monthly and 100% claims paid since 2022.
Decreasing Life Insurance
Tailored for mortgage holders, this cover decreases in line with repayment schedules. Fixed premiums ensure affordable protection until age 90, with terminal illness coverage included. Ideal for securing family homes against outstanding mortgage balances during policy terms.
Income Protection
Income Protection provides monthly payments if illness or injury prevents work. Cover starts after 30 days of incapacity, continuing until recovery or policy end. Helps maintain living standards by replacing up to 70% of lost income for long-term financial security.
People
Lisa Redman
Senior Propositions Manager, Retail Protection
Lisa leads product development for UK retail protection, focusing on customer needs and regulatory compliance. With 15+ years in insurance, she specialises in creating accessible, compliant policies that address evolving market demands while maintaining high service standards.
Questions
What is Life Insurance and how does it work?
Life Insurance provides a lump sum payout upon the policyholder's death, helping loved ones cover expenses like mortgages, childcare, and bills. Policies can be tailored to individual needs with fixed premiums.
What does Critical Illness Cover include?
Our Critical Illness Cover protects against specified illnesses like cancer, heart attacks, and strokes. It pays a cash sum if diagnosed, with additional benefits including children's coverage and wellbeing support.
Is medical evidence required for Over 50 Life Insurance?
No medical evidence is required for Over 50 Life Insurance. Cover is guaranteed for UK residents aged 50-80, with full payout after one year and accidental death coverage from day one.
How can I make a life insurance claim?
Contact our claims team on 0808 271 8226 with policy details and death certificate. We process claims promptly, paying valid claims within 5 working days to the executor of the will.
Can I change my life insurance policy after purchase?
Yes, you can request changes to coverage amounts, terms, or policy type. Joint policies can be split into singles following divorce, subject to assessment and updated premium calculations.
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