The final steps in your application

What happens after I apply?

As a valued customer, you are important to us and we want to make sure that your protection application with Legal & General is as smooth and efficient as possible.

Assessing your application

Underwriting

Your application will be assessed by our dedicated underwriting team who give careful consideration to your answers. To ensure we can offer the best possible terms for your circumstances, we will assess various factors such as whether you smoke, your age and sex, family history, medical history, lifestyle, occupations, pastimes and financial details.

Additional information

In some circumstances we may need to contact you for further information to help us assess your application fairly.

Acceptance

In most cases, the decision process is straightforward and once we have accepted your application, we will send you a letter describing our terms of acceptance and your premium details. Your policy will then start when you or your adviser confirm a preferred start date.

If you have stated a policy start date on your application and you meet all of our requirements, your cover will start from that date and you will receive your policy documents.

Occasionally we may need to increase the premium if, for example, you have a medical problem or a hazardous occupation or pastime. For Critical Illness Cover, we may occasionally have to exclude certain conditions from your cover (back pain for example). Any exclusions to cover or premium increases will be detailed on your acceptance letter for you to agree before your cover starts.

Very rarely, an application may be declined. If this happens, we will explain our decision in more detail to you