COVID-19

We understand that you may find it hard to pay your monthly premiums right now, and we want to help you stay protected. If you are going to miss or have missed a payment, you can apply for a payment holiday or grace period up to 3 January 2021.

If you’re suffering from financial hardship due to COVID-19, you may be able to take a Payment Holiday*. A Payment Holiday lets you take a three month break from paying your monthly premiums, if your payments are up to date or provided you’ve only missed one payment. You’ll remain covered by your policy, subject to your policy terms and conditions – giving you some breathing space. 

We’ll collect the three months premium due when your payment holiday ends.  Your regular monthly premiums will automatically restart at the end of the three months.  We’ll collect the amount owed around the same time as your next monthly premium. This may show as one payment or two separate payments within a few days of each other, on your bank statements. If you prefer, you can contact us at least 16 days in advance and pay the three months’ premiums using your credit or debit card. 

Alternatively, we offer a grace period which means that if you were to miss or cancel a payment, you’ll remain covered by your policy for 60 days from the date of your first missed premium (this is the day your payment would have been collected). Go to our dedicated payments page for details about the payment holiday and grace period.

*Eligibility criteria applies. Please see visit www.legalandgeneral.com/payments for further details.

We appreciate during this difficult period many people are looking for ways to reduce their monthly expenses. However, before cancelling you may want to consider the reasons you took out the policy in the first place, perhaps to look after your loved ones if you were no longer able to do that for them, to pay off your mortgage or provide an income if you got a critical illness or were unable to work.

If you are finding it hard to pay your premiums we would always advise you to contact us to discuss your options.

Our grace period means that if you were to miss or cancel a payment, you’ll remain covered by your policy for 60 days from the date of your first missed premium (this is the day your payment would have been collected).

If you restart your regular payments and pay your missing premiums within your 60 day grace period, there will be no change to your cover or usual premiums. We won’t ask you any health or lifestyle questions, and there’s nothing else you need to do.

We would advise you to contact us to discuss your situation before cancelling. You can reinstate your policy after 60 days, however we would advise you to contact us to discuss your situation.

After the 60 day grace period you may need to answer some health and lifestyle questions (called a Declaration of Health), plus you’ll need to repay any missed premiums and reinstate a payment method.

Your policy may be cancelled 90 days after your first missed premium. If this is the case you’ll need to apply for a new policy. The underwriting process will include disclosure of any new lifestyle or medical issues that may have occurred since you took out your original policy.

Please note, life insurance typically gets more expensive as you get older or if your circumstances change, therefore you may end up paying more for a new policy.

If a claim is being made within 60 days of the first missed premium, we’ll assess and pay any valid claim (subject to the policy’s normal terms and conditions, minus any outstanding amount owed on the policy.)

No, if you reinstate your payments and pay any outstanding arrear before the end of your 60 day grace, your premium amount will remain the same and no further medical or lifestyle questions will be asked.

When you reinstate your payment method you will be given the choice to either include the arrears amount in your first Direct Debit instalment, or pay the arrears amount via Debit or Credit card.

You can arrange this via My Account or via phone.

No, all customers are limited to one period of grace in any given year. Please call us to discuss your situation if you are finding it difficult to arrange payment.


Life insurance FAQs

All customer documents can be accessed on My Account, whilst direct debit and contact details can also be updated. Please visit myaccount.landg.com. If you want to register for the first time, please visit https://myaccount.landg.com/registration/

From the 3rd of April 2020 new questions will be added to our application in light of the continued progress of COVID-19. Depending on your situation your application will be postponed as follows;

  • If you’ve tested positive or been diagnosed with COVID-19 we’ll ask you to reapply 90 days following the end of your symptoms
  • If you’ve experienced/ are experiencing symptoms we’ll ask you to reapply 30 days following the end of your of symptoms
  • If you’ve been in contact with someone who is diagnosed or experiencing symptoms we’ll ask you to reapply 14 days after your last contact date, providing you have been free of symptoms for 30 days.

If the above doesn't apply to you, you’ll be able to continue with your application as normal.

Applications submitted before 3rd April don't need to be resubmitted.

Any application that's requoted after 3rd April will be asked the new COVID-19 related questions.

We have no current plans to apply an exclusion. We’ll continue to monitor the situation as it develops.

Bereavement

In the unfortunate event that COVID-19 leads to a claim, we’ll approach this as we normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that may apply to your policy.

Critical Illness Cover

COVID-19 isn’t a specified critical illness under the terms of our policy. In the unfortunate event that you were to develop a critical illness that we cover as a result of Coronavirus, we would approach this claim in the same way as we would usually. For more details of your policy please refer to your policy documents.

Life insurance contact details
Life Insurance Claims Mon - Fri, 9am - 5.30pm
0800 137 101^ or life.claims@landg.com
Over 50s Claims Mon - Fri, 9am - 5.30pm
0800 009 3506^
CIC (Critical Illness Claims) Mon - Fri, 9am - 5.30pm
0800 068 0789^
Terminal Illness (Claims) Mon - Fri, 9am - 5.30pm
0800 137 101^
Complaints Mon - Fri, 9am - 5pm
0370 010 4080**
Quotes & Cover (Life Insurance) Mon - Fri, 8.30am - 6pm, Sat 9am - 1pm
0800 027 7166^
Quotes & Cover (Over 50s Life Insurance) Mon - Fri, 8.30am - 6pm, Sat 9am - 1pm
0800 197 3373^
*Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.
**Calls are charged at local rates from landline and mobiles.

My Accounts online portal

  • View, download or print existing or historical policy documents – only for policies after June 2016. But documents can be requested via the Secure Messaging Centre
  • Send and receive a secure message
  • Change all customer contact data such as names / addresses / telephone numbers / email addresses
  • Set-up and update bank direct debit details and change the collection date
  • Cancel a policy within the initial cooling off period
  • Live chat during office hours and access to a support centre with frequently asked questions
  • Register a complaint through the Secure Messaging Centre

Please access the following link -

https://myaccount.landg.com/registration

  • View, download or print existing or historical policy documents. – only for policies after June 2016. But documents can be requested via the Secure Messaging Centre
  • Send and receive a secure message
  • Change all customer contact data such as names / addresses / telephone numbers / email addresses
  • Set-up and update bank direct debit details and change the collection date
  • Cancel a policy within the initial cooling off period
  • Live chat during office hours and access to a support centre with frequently asked questions
  • Register a complaint through the Secure Messaging Centre

Life insurance, also called term assurance, is a simple way to help financially protect your family in the event of your death. If you die during the term of your life insurance policy, or you’re diagnosed with a terminal illness that you’re eligible to claim for, a lump sum could be paid. Terminal Illness Cover could pay out the full amount of cover when life expectancy is less than 12 months.

Two types of life insurance are available: Life Insurance and Decreasing Life Insurance.

Life insurance could pay out a cash sum if you die during your policy term. Your monthly payments and the cash sum won’t change over time (unless you change your policy). This could be used to help pay off an interest only mortgage or to help protect your loved ones financially.

Decreasing life insurance is designed to help protect a repayment mortgage. Your monthly payments will stay the same but the amount you’re covered for – and any potential pay-out – will decrease over the term of your policy, roughly in line with the way a repayment mortgage decreases.

The level of cover you choose is up to you. If you’re not sure how much cover you’ll need then you can use our life insurance calculator to get a better idea.

You may be able to increase your cover without the need for any further medical information on certain life events. This is subject to certain conditions as detailed in the Policy Booklet.

Your premiums are based on a lot of things including your age, occupation, medical history, whether or not you smoke, cover level, length of cover and the type of contract that you choose. For example, the older you are, the higher your premium will be.

Premiums start from £5 a month. Your level of cover will depend on your circumstances and the premium you choose to pay. If you’re interested in taking out life insurance then you can get a quote today.

No – your joint policy will end when one of the two people covered passes away or becomes eligible for terminal illness cover (whichever happens first). At this time a final pay-out is made and no further benefits will be payable. Terminal Illness Cover could pay out the full amount of cover on diagnosis of a terminal illness when life expectancy is less than 12 months.

Life Insurance is designed to pay out a cash sum if you die during your policy term. Your monthly payments and the fixed lump sum won’t change over time (unless you make changes to your policy).

Decreasing Life Insurance is an insurance policy where the amount you’re insured for decreases over time. It’s generally cheaper than life insurance because your monthly premium is fixed but the sum you’re insured for decreases roughly in line with the way a repayment mortgage reduces. Your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of cover is adjusted to match any new mortgage arrangements. For Decreasing Life Insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.

Terminal illness cover is included in your policy at no extra charge. It’s designed to cover you if you are diagnosed as terminally ill during the term of your policy. You’re considered as terminally ill if your hospital consultant and Legal & General's medical officer agree that the illness is expected to lead to death within 12 months. A claim can't be made for terminal illness after your death or if the length of your policy is less than two years.

Sometimes Legal & General will ask for more information before they can make a decision about your application. While they assess this information, they’ll provide you with free accidental death benefit so that you’re covered in the event of accidental death. Some terms and conditions apply, please see the Policy Summary document.

You can apply to change your cover to suit your circumstances by:

  • Changing the duration of your policy
  • Increasing or decreasing the amount of cover
  • Changing between monthly or annual premiums
  • Removing a person from a joint policy where cover is no longer required for that person
  • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a civil partnership, or taking out a mortgage in the name of one person on the policy. Terms and conditions apply

A 'joint' life insurance policy cover two lives, on a 'first death' basis. This means the chosen amount of cover is paid out if the first person dies, during the length of the policy, after which the policy would end. A joint life insurance policy only pays out once and would leave the surviving person without any life insurance. If there are two single life policies, if the first one dies, the surviving person still has their own cover. Terms and conditions apply, please refer to the Policy Booklet.

If you’re not sure which type of life insurance policy would suit you best, please speak to a financial advisor.


Critical Illness Cover FAQs

Critical Illness Cover is additional cover that you can add when you take out life cover. It’s designed to help protect you financially in the event if you are diagnosed with or undergo a medical procedure for one of Legal & General's specified critical illnesses during the length of your policy and you survive for 14 days from diagnosis. If you choose to add Critical Illness Cover, Children's Critical Illness Cover is automatically included at no extra cost. Terms and conditions apply.

Critical Illness Cover is an optional extra that you can add to your life insurance policy when you take out cover. Premiums depend on your individual circumstances.

A complete list of the critical illnesses covered is below. Medical terms have been used to describe the conditions and in some cases your insurance will be limited eg some types of cancer aren’t covered.

In most cases, you’ll be covered if your condition results in permanent symptoms or certain types of surgery. For the exact criteria your condition needs to meet for you to make a claim, please read the Guide to Critical Illness Cover.

  • Alzheimer’s disease – resulting in permanent symptoms
  • Aorta graft surgery – requiring surgical replacement
  • Aplastic anaemia – with permanent bone marrow failure
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign brain tumour – resulting in either surgical removal or permanent symptoms
  • Blindness – permanent and irreversible
  • Cancer – excluding less advanced cases
  • Cardiac arrest – with insertion of a defibrillator
  • Cardiomyopathy – of specified severity
  • Coma – with associated permanent symptoms
  • Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotomy
  • Creutzfeldt-Jakob disease – resulting in permanent symptoms
  • Deafness – permanent and irreversible
  • Dementia – resulting in permanent symptoms
  • Encephalitis – resulting in permanent symptoms
  • Heart attack – of specified severity
  • Heart valve replacement or repair – with surgery
  • HIV Infection – caught from a blood transfusion, physical assault or accident at work
  • Kidney failure – requiring permanent dialysis
  • Liver failure – of advanced stage
  • Loss of hand or foot – permanent physical severance
  • Loss of speech – total permanent and irreversible
  • Major organ transplant – from another donor
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple sclerosis – where there have been symptoms
  • Multiple system atrophy – resulting in permanent symptoms
  • Open heart surgery – with median sternotomy
  • Paralysis of a limb – total and irreversible
  • Parkinson’s disease – resulting in permanent symptoms
  • Primary pulmonary hypertension – of specified severity
  • Progressive supranuclear palsy – resulting in permanent symptoms
  • Removal of an eyeball – due to injury or disease
  • Respiratory failure – of advanced stage
  • Spinal stroke – resulting in symptoms lasting at least 24 hours
  • Stroke – resulting in symptoms lasting at least 24 hours
  • Systemic lupus erythematosus – with severe complications
  • Third degree burns – covering 20% of the surface area of the body or 20% of the face or head
  • Total and permanent disability – of specified severity
  • Traumatic brain injury – resulting in permanent symptoms