Frequently asked questions

Below is a list of frequently asked questions relating to the Over 50s Fixed Life Insurance Plan that you may find useful.

Do I need a medical when I apply?

When you apply for the Over 50s Fixed Life Insurance Plan you won't be asked to have any medical assessments. If you are aged between 50 and 80 and a UK resident and you reside in the UK for at least 183 days per year, you are guaranteed to be accepted for the Over 50s Fixed Life Insurance Plans. Read more about Over 50s Fixed Life Insurance Plans 

Can I change my mind?

After we have received your application, you have 30 days to change your mind. A Cancellation Notice will be sent once the plan has started confirming your right to cancel. If you decide to cancel your plan we will return any premiums paid. You can cancel your plan after the 30 day period by writing to us. However, as the plan has no cash-in value at any time you will not get any money back. Read more about Over 50s Fixed Life Insurance Plans
 

Am I eligible for the Over 50s Fixed Life Insurance Plan?

If you are aged between 50 and 80 and a UK resident, and you reside in the UK for at least 183 days per year, you're guaranteed to be accepted for the Over 50s Fixed Life Insurance Plan. Read more about Over 50s Fixed Life Insurance Plans

Can I cash in my plan?

As the plan has no cash in value , you will get nothing back if you decide to cash in the plan after the first thirty days of applying. Read more about Over 50s Fixed Life Insurance Plans

Can my partner take out cover also?

Your partner can also apply for the plan providing they are aged 50 to 80 and a UK resident and reside in the UK for at least 183 days per calendar year. However, as the plans are set up individually, they cannot be held in joint names. Read more about Over 50s Fixed Life Insurance Plans

How to make a claim

When the time comes, a claim can be made in writing or over the telephone. Read more about the claims process.

Please call Legal & General’s UK based call centre:

0800 137 101

9:00am to 5:30pm Monday to Friday

Legal & General may record and monitor calls

If you are an Independent Financial Adviser or Solicitor calling on behalf of a client, please call Legal & General on 01273 824 665

If calling from abroad:

0044 1273 824 665

Calls are charged at the prevailing international rate

If you would prefer to contact Legal & General by mail or email, please use the addresses below:

Claims Department

Legal & General Assurance Society Limited

City Park

The Droveway

Hove

East Sussex

BN3 7PY

life.claims@landg.com

What documents are needed in the event of an over 50's claim?

In order to make a claim Legal & General require the following documentation:

    * An original death certificate

    * The original policy schedule

If you do not have the original policy document Legal & General’s advisers will be able to discuss the additional procedure for making a claim.

Legal & General’s claims team may require additional information from you, but this will be explained to you over the telephone.

If you're taking out a policy, it could help speed up the claims process if you tell your loved ones about the policy and where you keep the original policy schedule.

What happens next? 

Legal & General will deal with the claim as quickly as they can. However, sometimes they need to refer to third parties and this can cause a delay. If Legal & General know of any delays they will tell your representative when to expect a response. But, their friendly staff will talk your representative through the next steps, and are always on hand to answer any questions they may have in the meantime.