Before you apply
It’s usually quick and easy to apply for life insurance online, but there are some things to bear in mind before you buy a policy.
Remember that life insurance is not a savings or investment product and offers no cash value or financial return unless a valid claim is made. If you stop paying premiums before the end of your plan, your cover will end 30 days after your missed payment.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements.
It's your responsibility to make sure any policy you purchase is right for you. If you have questions or need advice, you should speak directly with a financial advisor. Please read the Policy Booklet [PDF, 266 KB] and Policy Summary [PDF, 176 KB] before you apply.
Legal & General Wellbeing Support Services explained
There are lots of reasons why you might want access to Wellbeing Support; maybe you’d like a friendly chat following a medical diagnosis, or advice on navigating healthcare systems. We want to support you as much as possible. Here are just some of the ways Legal & General Wellbeing Support can help.
Dealing with a serious illness
If you’ve been diagnosed with a serious illness or require support for a disability, your nurse will be there to offer wellbeing support. That includes helping you understand a diagnosis, advice on managing life with an illness or disability or return to work coaching.
We know how hard it is to lose a loved one, but you can count on the bereavement support to help you cope. Even if all you need is someone to listen, RedArc nurses will lend an ear.
Second medical opinion
For your own peace of mind following a diagnosis or course of treatment, RedArc can arrange face-to-face appointment with a UK-based specialist consultant.
Mental health support
If you’re having difficulties with your mental health and you’re not sure how to improve it, nurses can provide long-term support and guidance from a mental health nurse as well as counselling, therapy sessions and other forms of wellbeing support.
Looking after a sick or elderly loved one is challenging for anyone, and if you’re in that situation, you’ve got to think about your own health and wellbeing too. RedArc can offer emotional and practical support for carers whose wellbeing can be improved.
Help at home
It’s one thing to be discharged from hospital, but the recovery phase can also be a challenging time. RedArc nurses provide health and wellbeing advice over the phone while you’re at home.
Keeping your loved ones safe is the most important thing in the world, and RedArc can provide advice on how to support an elderly relative, whether they’re living independently or at a residential home.
Loneliness and isolation
We can all experience loneliness at different times in our lives – whether we’ve lost a loved one, relocated from our usual home or been diagnosed with an illness. No one should have to face these challenges alone, but our Wellbeing Support provides a direct line to a supportive RedArc nurse.
No two people have exactly the same challenges, and Legal & General Wellbeing Support treats you as an individual. Specialist counselling caters for you and your needs.
Dietary and lifestyle guidance
If you’re seeking advice on healthy living – for example, if you’re at risk of a heart attack, stroke or diabetes – RedArc nurses can offer you the guidance you need.
Legal & General Wellbeing Support Services are available to customers purchasing a new life insurance policy via Sainsbury’s Bank on or after 13 January 2020.
Accidental death benefit
Unfortunately serious accidents can happen. Sometimes when you submit a life insurance application online, over the phone or in person, an immediate decision can’t be given. That’s why accidental death benefit is included with our life insurance policy, at no extra cost.
The cover will last for 90 days or until your application is accepted, postponed or declined, or you give notification that you no longer want to proceed, whichever is earliest. The maximum payment would be the amount of cover you applied for (across all applications) or £300,000, whichever is lower. Find out more about accidental death benefit.