Protection | Adviser | Legal & General

Our response to COVID-19 - Caring for you and your clients

These are unprecedented times as we all try to adapt to a new normal. For many uncertainty and insecurity are a constant presence in their lives but we will continue to do all we can to support you and your clients.

You can access lots of information and tools, including short videos about the case tracking functions in Agent Hub. If you can’t find the answer to your question online, then our phone lines are open. However, we apologise that your wait time may be longer than usual. And we please ask you not to call us unless you cannot progress your case via our user systems.

To stay up to date with Legal & General developments for protection, please access our dedicated COVID-19 page.

Our response to COVID-19

Latest Updates

Updates to our Covid-19 underwriting approach
Launching our 2020 claims statistics
Early Warning System has moved to Existing Business Agent Hub
New Deadline to Breadline Report

Updates to our Covid-19 underwriting approach

Ensuring as many people as possible can access the cover they need

As of 14 June 2021, we’re lifting the majority of underwriting restrictions and will no longer be asking people if they are self-isolating due to Covid-19, or if they have had direct contact with someone who had, or was thought to have Covid-19. The questions around any recent diagnosis of Covid-19 or recent Covid-19 related symptoms have been retained but have now been moved to be part of the main application.

In addition, the Covid-19 related restrictions on the maximum ratings available that could be applied on certain conditions during the pandemic will all be lifted from 14 June 2021. Further updates to our underwriting approach mean that for Life cover a customer who previously had Covid-19 can apply for cover as soon as they can confirm they have made a full recovery, and those applying for Critical Illness and Income Protection can apply 30 days after full recovery. Previously customers had to wait up to 90 days after recovery.

“We regularly review our underwriting approach based on the latest medical and Government guidance and are therefore lifting the majority of underwriting restrictions that we have had in place due to the Covid-19 pandemic.

We have taken a nuanced approach to underwriting throughout the pandemic with the aim of offering the maximum number of people cover. Our updated approach is good news for customers and will allow cover to be given to those who previously would have been postponed due to Covid-19 diagnosis or symptoms.” David Banks, Underwriting & Claims Director, at Legal & General
Launching our 2020 claims statistics

In 2020, we paid out over £763 million across our Life, Critical Illness Cover, Terminal Illness Cover and Income Protection policies, supporting 15,855 customers and their families.

We also supported families who lost loved ones due to factors attributable to Covid-19, paying out over £39 million in life insurance claims – helping 1214 families.

Learn more about the people we’ve supported and how you can help us pay more claims.

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Early Warning System has moved to Existing Business Agent Hub

From Monday 1^st February we will be decommissioning our old retention system known as Early Warning System (EWS) and move to Existing Business Agent Hub (EBAH)

EBAH gives you easy access to one place where you can view your existing business alongside managing your new business pipeline.

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New Deadline to Breadline Research Report now available

We visit the perception and reality gaps, and the myths and misconceptions that prevent consumers from engaging further with their financial plans. As well as sharing some hints and tips to overcome these common barriers.

Learn more about how we can help you ensure your clients protect their financial security.

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Underwriting and claims

Get familiar with the details of the underwriting process, medical and financial evidence requirements and our straightforward claims process.

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Webinars and workshops

Stay up to date with our products and services by signing up for our regular webinars. Expert training support also available through our CII accredited training workshops.

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Trusts

Help your clients stay in control of who receives their legacy when they die. Payouts are probate-free so are made quickly and fall outside of a client’s estate for tax purposes.

Introducing our new online Trusts

Working with Legal & General

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Multi-Pet Discount Terms and Conditions

This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.

Legal & General Protection

Updates to our Covid-19 underwriting approach

Ensuring as many people as possible can access the cover they need

Launching our 2020 claims statistics

Early Warning System has moved to Existing Business Agent Hub

New Deadline to Breadline Research Report now available

Life Insurance

Critical illness cover

Income Protection

Rental Protection Plan

Business Protection

Underwriting and claims

Trusts

Latest news

Deadline to Breadline

Claims record

Working with Legal & General

Multi-Pet Discount Terms and Conditions