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Life Insurance Customer Support

Life Insurance Customer Support

Frequently asked questions
Critical Illness

Am I eligible to take out critical illness cover?

To add critical illness cover to your life insurance policy, you must be a UK resident aged 18 to 67. The policy must end before your 70th birthday. You can apply for a policy that covers just you, or you plus another person. If two people are covered by the policy, it will only pay out once. This is because cover ends once a valid claim has been made and the full cash sum has been paid.

What critical illnesses are covered under this policy?

With Sainsbury's critical illness cover you will be covered for 41 conditions that could affect your life and work – that's 17 more than the Association of British Insurers guidelines. Cancer, heart attack and stroke are a few of the illnesses covered. However, because of medical advances, not all types will have a severe impact on your lifestyle and not all will be covered by your policy. For example, a cancer needs to have spread or reached a specified severity to be covered under the policy.

How long can I take a policy out for?

Your life and critical illness policy can cover you for a duration of 2 to 40 years, up to the age of 70.

Do my children also receive some critical illness cover?

Yes, critical illness cover for your children is included at no extra cost. All your children, step-children and legally adopted children aged from 30 days to 18 years old are covered, this also includes children up to 21 if they're in full time education. Your policy also covers any children born or legally adopted during the term of the policy. The maximum individual claim is £25,000 or 50% of your chosen amount of cover, whichever is lower. A maximum of two claims can be paid under children's critical illness cover, after this the benefit will end. However, your policy will not be impacted by children's critical illness claims and would continue to provide cover. For more information, please refer to the Key Features Document.

As my policy includes life and critical illness cover, does that mean it could pay out twice, once when I get a critical illness and then again if I die?

No your policy will only pay out once, either on diagnosis of a specified critical illness or on death during the policy term. Your policy ends once a valid claim has been made and a cash sum paid out. However, if your claim is for carcinoma in situ of the breast treated by surgery, low grade prostate cancer requiring treatment or a children's critical illness claim, the policy will continue as normal.

What if I need to make a change to my policy?

We understand that your protection needs may change during the term of your policy and you may need to change your level of cover. Our policies are flexible allowing you to change your cover in line with your new circumstances. Options include:

  • 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 in to 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

What's the difference between using my guaranteed insurability option and making changes to the policy?

The guaranteed insurability option allows you to increase the amount of cover when specific life changes occur. No further medical evidence or health assessments are required. If you want to increase the amount of cover using one of the options above it’s likely that an additional medical assessment will have to take place, this can be done at any time during your policy. If your cover changes, your premium will change.

What happens to my policy if I claim under the carcinoma in situ of the breast or low grade prostate cancer definition?

If you claim under the definitions above the policy will pay out a benefit of 25% of the amount of cover or £25,000, whichever is lower. This benefit is in addition to your main amount of cover so your cover will not end after this payment is made. Your cover and monthly premium will continue as normal.

What's the difference between terminal illness cover and critical illness cover?

Critical Illness Cover can be added to your policy at an additional cost, it pays out if you are diagnosed with one of 41 different conditions including some forms of cancer, heart attack and stroke. For more information please refer to the Key Features Document. Terminal illness cover is included at no extra charge on all Legal & General's life insurance policies with a duration of 2 years or more. You can claim under the terminal illness cover definition if in the opinion of your hospital consultant and Legal & General's Medical Officer, your life expectancy is 12 months or less.

Can I put a life insurance policy in trust?

Yes, a trust is a simple legal arrangement that allows you (the settlor) to gift your life insurance policy to someone else (the beneficiary). Setting up a trust means that you as the settlor appoint additional trustees (as the settlor you are automatically a trustee). The trustees become the legal owners of the policy and look after it for the benefit of your beneficiaries. If you are in need of assistance in setting up a trust, please contact your financial or legal adviser.

I want to apply for a policy that includes critical illness cover but am currently pregnant. How do I answer the weight question?

As your weight during pregnancy is not a true reflection of your normal weight. When asked, please state what your weight was immediately before pregnancy.

If I claim under the children's critical illness cover, or carcinoma in situ of the breast, or for low grade prostate cancer, what happens to my policy?

These benefits are paid in addition to your main policy so your cover will not end after you receive your pay out. Your cover and monthly premium will continue as normal.

I'm not sure how to answer the smoker and alcohol consumption questions below?

Have you used any tobacco products within the past 12 months?

It is important that you answer the question truthfully. Please answer ’Yes‘ even if you consider yourself to be a social smoker (e.g. only during evenings out or weekends). This includes cigarettes, pipes, cigars or other tobacco products such as nicotine patches.

What is your average weekly consumption of alcohol?

Answer this question based on your current level of alcohol consumption, even if this has changed recently. Later in the application you will be asked if your level of alcohol consumption has changed over the previous 5 years and whether you've been medically advised to reduce your level of alcohol consumption.

If I need to make a critical illness claim, what should I do?

If you or your representatives need to make a claim, please write to Legal & General at:

Claims Department 
Legal & General Assurance Society Limited
City Park
The Droveway
East Sussex

You can also call Legal & General’s claims department on 0800 068 0789. Lines are open between 9 and 5 Monday to Friday. Legal & General may record and monitor calls

When Legal & General are told about a claim, they will send you or your representative a claim form to complete and return.

To make a valid life or critical illness claim Legal & General will ask for supporting evidence. For Legal & General to pay out on a critical illness claim, the illness you have must be one of the illnesses covered by your plan and meet the definition of the illness. All diagnosis and medical opinions must be from a medical specialist:

  • who holds an appointment as a consultant at a UK hospital; and
  • whose specialism we reasonably consider is appropriate to the cause of the claim.

If a claim is made under Terminal Illness Cover, then you must be terminally ill as described below:

Legal & General will pay a claim for Terminal Illness Cover if you are diagnosed as being terminally ill, and in the opinion of your hospital consultant and Legal & General’s Medical Officer, the illness is expected to lead to death within 12 months.