Older-couple-with-bike-helmets

Every client has a story

Every day, advisers help clients navigate important decisions.

From adapting to unexpected life changes to creating a more comfortable retirement, every decision is shaped by a unique set of circumstances, priorities and goals.

In this series, Emilie from L&G steps outside the office to meet the clients and advisers behind those conversations. Together, they explore the experiences that have shaped each journey.

Because every client has a story.

Watch the trailer

Legal & General Logo

Every client has a story / 03 Jul 2026 / 01:05

00:00,780 --> 00:00:01,919
Being made redundant,

00:00:01,919 --> 00:00:02,819
it happens,

00:00:02,940 --> 00:00:04,160
it happens to so many people.

00:00:04,440 --> 00:00:06,179
As I was getting to the stage and thinking,

00:00:06,419 --> 00:00:07,660
where do I turn?

00:00:07,960 --> 00:00:10,019
Every month you're spending more of

00:00:10,019 --> 00:00:11,759
what little money you have got there.

00:00:12,679 --> 00:00:15,480
One conversation can tell you a lot about someone,

00:00:15,699 --> 00:00:17,100
but it's never the whole story.

00:00:17,679 --> 00:00:20,100
I'm Emily and I work for Alan G and every

00:00:20,100 --> 00:00:22,019
day I speak to the customers on the phone,

00:00:22,059 --> 00:00:23,300
hearing about their lives,

00:00:23,460 --> 00:00:26,179
what they're going through and what they're hoping for,

00:00:26,300 --> 00:00:27,480
but it's only a snapshot.

00:00:27,620 --> 00:00:29,879
From my mental health point of view,

00:00:30,339 --> 00:00:32,020
it's made a huge impact,

00:00:32,259 --> 00:00:32,960
a huge impact.

00:00:33,179 --> 00:00:35,539
It's just made me feel that I love my house again.

00:00:36,359 --> 00:00:38,880
It's taken a weight off your mind,

00:00:39,000 --> 00:00:39,060
really,

00:00:39,060 --> 00:00:41,100
as to how are we going to afford to get this done.

00:00:41,619 --> 00:00:42,820
In this series,

00:00:42,880 --> 00:00:46,179
I'll be meeting some of them in person to hear what matters to them

00:00:46,340 --> 00:00:49,140
and understand the role their advisor played along the way,

00:00:49,320 --> 00:00:51,399
because every client has a story.

00:00:54,899 --> 00:00:56,679
You work all your life.

00:00:57,140 --> 00:00:57,729
You've got to be happy.

00:00:58,000 --> 00:00:58,119
Yeah.

00:00:58,299 --> 00:00:58,880
You can't be unhappy.

Meet the people behind the stories

Hear directly from clients and their financial advisers as they share the real stories behind their lifetime mortgage journeys.

Legal & General Logo

Jill and David's story

Finally saying goodbye to the avocado bathroom.

Jill and David's story / 03 Jul 2026 / 06:36

More customer stories from L&G

See how authenticity, compassion and teamwork help us lead the way:

5693269 - USP_Thumbnails

A cat called Sean

Sean shares his fond memories of a cat-loving customer.

A cat called Sean / 09 May 2025 /

5693269 - USP_Thumbnail

Living life their way

Liz and Lou discuss how customer feedback uplifts and warms their hearts.

Living life their way / 09 May 2025 / 01:01

Our equity release products and tools

Products

Couple in kitchen

Retirement Interest Only Mortgage

A type of residential mortgage that allows clients aged 55 and over to release equity from their home, which they must pay all the monthly interest each month for the life of the loan.

Women smiling

Interest Roll Up Lifetime Mortgage

Allows clients aged 55 and over to release equity from their home without having to move or make any monthly payments.

Women with camera

Optional Payment Lifetime Mortgage

Allows clients aged 55 and over to release equity from their home and pay some or all of the monthly interest which will reduce the amount of interest that rolls up.

Women with dog

Payment Term Lifetime Mortgage

Allows clients aged 50 and over to release equity from their home and pay all the interest each month for a chosen payment term after which the interest rolls up. This may reduce the overall cost of the loan.

Calculators

Lifetime Mortgage calculator

Demonstrate how much your client may be able to borrow with our Lifetime Mortgages.

RIO affordability calculator

See how much your client maybe able to borrow with our Retirement Interest Only Mortgage (RIO) affordability calculator.

Support for your customers

older lady with care helper

Care Concierge

A free service which gives your clients access to confidential telephone guidance to help them understand, find and fund the care and support available to adults that is most suitable to their needs

Provided by Legal & General Care Service.

Hands together

Supporting vulnerable customers

A toolkit to help your clients.

Roll of houses

Product governance

We’ve provided below some important information about our approach to Consumer Duty including information about our product governance processes and who our products may or may not be suitable for.

Supporting you

Setting the foundations workshops

After qualifying, it can feel daunting taking the leap into advising lifetime mortgages. We want to help you in making this transition as simple and easy as possible.​

Apply now

Our services for you to use when selling one of our Lifetime Mortgages.

Lending criteria

Detailed information about our lending criteria, and how to make the pre-application to completion process easier.

Existing customers

Online requests for your client's Interest Roll Up (Previously Flexible) or Optional Payment Lifetime Mortgage

Need help?

You can contact our services teams to help you with your query.