It’s not nice to think you could suffer an accident or illness that prevents you from working, or a critical illness that has a severe impact on your lifestyle, but it can happen to anyone at any time.
We have two types of insurance, Income Protection Benefit and the Family and Personal Income Plans, that could help you and your family if it did happen to you. Please click on the links below for more information about the plans.
Income Protection benefit is designed to help protect your income and your family financially if you can’t work due to incapacity caused by illness or injury that results in a loss of earnings.
It provides cover until your policy ends no matter how many claims you make. We will pay you the income protection benefit monthly for as long as the claim is valid, until the policy ends or you die. Alternatively you can choose to keep the cost down by choosing the low cost option where the income protection benefit is paid monthly for a period of up to 5 years then the policy ends.
Also flexible deferment periods are offered to match your employment sick pay, these are 4, 13, 26 or 52 weeks enabling you to choose when you start receiving your monthly income protection benefit. You need to select one of these but choosing a longer deferment period can reduce the cost of the policy.
The income protection benefit can be used however you like – from helping to pay medical expenses, general household bills or towards covering your monthly mortgage payments.
While tax and national insurance are deducted from your normal income, they won't be deducted from the income protection benefit we pay out monthly.
If you want more information about our Income Protection Benefit Plan take a look at our Key Features Document PDF, then call our Direct Advice Line on 0800 316 9336. Our friendly qualified Legal & General Advisers will be able to talk you through your options, any limitations and terms and conditions. We may record and monitor calls.
The Family and Personal Income Plans are designed to help protect you and your family financially if you die or are diagnosed with one of the specified critical illnesses (if chosen) during the policy term. They are different from Life and Critical Illness insurance plans that pay out a lump sum, as these will pay out a monthly benefit until the end of the policy term, rather than a cash lump sum. You can choose between either:
The monthly benefit can be used however you like – from helping to pay for medical expenses, child-care costs, towards covering your monthly mortgage payments and bills or as an income for your family if you were to die.
If you want more information about our Family and Personal Income Plans take a look at our Key Features Document PDF, then call our Direct Advice Line on 0800 316 9336. Our friendly qualified Legal & General Advisers will be able to talk you through your options, any limitations and terms and conditions. We may record and monitor calls.
Did you know?
What if this happened to you?
Could your savings help financially with your recovery, cover the cost of home adaptations or enable you to keep making payments on your mortgage until you were well enough to return to work?
Could your savings continue to support you if you had to take a job with a lower salary?
Could you manage financially if your partner needed to take time off work to become your full time carer?
If you were to become ill or injured and needed to take extended time off work, how would you replace your income and meet your monthly financial commitments?
With our Income Protection Benefit or Family and Personal Income plans, you may not need to worry about the ‘what if’s’ or the ‘could you’s’ as they can help protect you, your income and your family at times of need.
If you contact the Direct Advice Line our friendly qualified Legal & General Advisers will help you by discussing your individual needs with a view of recommending the most suitable product or products we can offer. Our advisers can only provide advice on the products Legal & General offer. Alternatively you can contact an Independent Financial Adviser.
9:00am to 6:00pm weekdays
We may record and monitor calls
Call us on 0370 163 0657
8:30 to 6:00pm Monday to Friday
9am to 1pm on Saturday
Call charges will vary.
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We aim to manage all of our claims with compassion and competence. To ensure we are able to do this our claims staff are trained by the Samaritans.