Legal & General Showcase Page
Protection Guru has worked with Legal & General to create a concise objective analysis of their product range.
Legal & General in their own words
Our goal is simple – we want to put protection where it should be.
At Legal & General everything we do starts with you, the intermediary. We listen and we learn. We design products and services so we can deliver more for you, and you can deliver more for your clients. Just like you’re there for your clients, we’re here for you.
Our commitment to you and your clients:
- Designing quality products for all your client’s needs
- Supporting you whenever you need it
- Offering insights and expertise to help you continue to grow and prosper
- Create brighter financial futures
Meet the people behind the numbers
See the impact and real-life value of a protection policy with claims customer stories.
Steve's story
Find out how Steve’s Critical Illness policy supported him and his family after suffering from a heart attack.
Watch Steve’s story >
Barry's story
Barry explains how a pay-out on his critical illness policy allowed him and his family to focus on what’s important following a Subarachnoid brain haemorrhage.
Watch Barry’s story >
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Personal Protection Products
LIFE INSURANCE
CRITICAL ILLNESS
INCOME PROTECTION
WHOLE OF LIFE
RENTAL PROTECTION
Life insurance
Life insurance offers financial protection for your client’s loved ones, with a lump-sum or monthly benefit paid if the life insured passes away.
We offer single and joint life policies as the following options:
- Life Insurance (level cover)
- Decreasing Life Insurance
- Increasing Life Insurance
- Family and Personal Income Plan
- Increasing Family and Personal Income Plan
Find out more
Critical Illness
Legal & General’s critical illness policies are designed to be tailored, to make a difficult time for your client a little easier. The following options are available:
- Life insurance with critical illness cover
- Critical illness cover with life insurance
- Family and personal income plan critical illness cover
- Family and personal income plan with critical illness cover
Clients can choose from the following cover:
Critical Illness cover
Cover at an affordable price with Children’s Critical Illness Cover included so the whole family is covered.
Critical Illness Extra
An intermediary exclusive. All the benefits of Critical Illness Cover, with more conditions covered and additional payments for those clients who want a little more protection.
Children's Critical Illness Cover
Covers the conditions listed under Critical Illness Cover is included for up to two children, including adopted, step or guardianship kids. Children are covered from 30 days old until their 22nd birthday, in education and beyond.
Children's Critical Illness Cover
An intermediary exclusive. Covers all conditions listed under Critical Illness Cover and Critical Illness Extra, plus additional specified child critical illness conditions. Cover is included for an unlimited number of children from birth up until their 23rd birthday.
Find out more
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Income Protection
Income protection pays your client a monthly income if they can’t work because of an illness or injury.
Every client is different, that’s why Legal & General offer two types of plans, for greater flexibility and choice. Your client’s can choose from:
Income Protection Benefit
The premium remains unchanged during the length of the policy unless they make any changes.
Low Start Income Protection
Shares many of the same features as Income Protection Benefit, but the starting premium starts lower, and increases each year with age.
Extra benefits and options that can adapt to your client’s needs
When your clients take out the policy, they can choose one of the following to flex with their life.
Find out more
Download adviser guide
Increasing income protection benefit and increasing low start income protection
Helps protect the monthly benefit against inflation.
Low cost option
Helps to reduce the cost of the plan, the benefit is paid out for one or two years for each individual claim (depending on what was chosen at outset).
Stepped benefit
Provides two deferred periods, and two different monthly benefits, all within one plan. Useful for clients with company sick pay schemes. (not available with Low Cost option)
Whole of life
Legal & General’s Whole of Life Protection Plan is designed for those who want added comfort of knowing that their family will receive a lump sum after their death.
Reasons to recommend Whole of Life Protection Plan:
- Policies can be placed in trust to protect IHT liabilities
- Access to Wellbeing Support included as standard
- No claims cut-off periods
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Rental Protection Plan
Life insurance, critical illness cover and income protection for renters.
Legal & General provide a choice of three products, which are all exclusive through advisers:
Rental Income Protection Benefit
Designed to provide a regular monthly benefit which can be used to help cover rent payments if your client can’t work because of an illness or injury.
Rental Life Insurance
Designed to provide a regular monthly benefit for your client’s surviving family. It can be used to help cover rent payments in the event of your client’s death.
Rental Life Insurance with Critical Illness Cover
Designed to provide a regular monthly benefit for your client or their family. It can be used to help cover rent payments if your client dies or is diagnosed with a specified critical illness.
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Download adviser guide
Protection for every business
Executive Income Protection
It can help small business clients by protecting against the financial impact of their employee becoming ill or injured and unable to work.
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Key Person Protection
It can help your client safeguard their business against the financial impact of death or terminal illness.
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Key Person Income Protection
For businesses who wish to protect against the financial impact of their employee becoming ill or injured.
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Share Protection
It can help your client buy a share of the business if a business partner were to die or become terminally ill.
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Business Loan Protection
Helps your client’s business pay off any outstanding loans or debts if the life insured becomes terminally ill or dies.
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Relevant Life Plan
Cost-effective way for your client to arrange life insurance for their employees. It pays a lump-sum to the employee’s family if they die or are diagnosed with a terminal illness with a life expectancy of less than 12 months.
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Tools & Calculators
Sales aids
Claims & case studies
CPD academy
Research and insights
Deadline to Breadline
Legal & General’s unique data report examines the finances of typical UK households with insights to help you talk about protection.
State of the Nation SMEs
Legal & General’s exclusive report analyses the potential risks facing small and medium-size businesses.
The Link Magazine
Your quarterly magazine of expert protection insights and interviews tailor-made for advisers.
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