Our Umbrella Benefits Scheme enables  you to qualify for additional support  as part of the group protection cover taken out by your employer.  These are available alongside the free telephone and online Employee Assistance Programme (EAP) service that we offer.

Life Insurance

Through your employer having a group protection policy with us, as part of our Umbrella Benefits Scheme, you have access to discounted Legal & General life insurance. Life insurance could pay out a cash sum to your family or loved ones if you pass away during your chosen period of cover.

To find out what can be covered, please read our policy summary and policy booklet.

Get a quote

Get a quote today and receive 10% discount off our life insurance premiums plus a £30 M&S Gift Card. Terms and conditions apply.

Please call Legal & General directly on 0800 008 3174, using offer code DISERV. Lines are open  8am to 8pm Monday to Friday, 9am to 5pm on Saturday. We may record and monitor calls.

Home Insurance

Through your employer having a group protection policy with us, as part of our Umbrella Benefits Scheme, you can get a Home Insurance quote. By not receiving commission, we are able to offer you  an exclusive deal with Fairmead Insurance Limited, to help keep the price we offer as low as possible.

Home Insurance is underwritten by Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group.

It’s quick and easy with SmartQuote

SmartQuote is an easy to use, mobile-friendly tool that will give you a Home Insurance quote by answering 5 simple questions. You don’t need to know when your home was built or what kind of locks you have. By using publicly available data sources, SmartQuote provides all the information needed to give you a quote on the spot – all you need to do is choose the cover you need.

There are lots of other reasons to insure with Fairmead Insurance Limited:

  • Spread the cost - there is no interest charge when you pay monthly.
  • It’s easy to make a claim using their UK based call centres and claims line open 24/7, 365 days a year.
  • Choose cover to meet your needs rated by Defaqto

Defaqto is an independent service that compares financial products. Defaqto analysts study the financial market for services and products, before giving them a Star rating based on the features and benefits, they offer, with 5 Stars being the top rating.

What is Home Insurance?

Home or House Insurance can help protect your property and belongings from unexpected events like escape of water, fire, storm, floods and theft. Whether as a result of extreme weather, or unforeseen circumstances such as water damage from a burst pipe or suffering a break in, home insurance is designed to cover you against the cost of repair, rebuilding or replacement, depending on which cover you choose.

What is the difference between Buildings and Contents Insurance?

There are two types of Home insurance: Buildings Insurance, if you need to protect the structure of your home and Contents Insurance, if you need cover for your belongings. Your policy can include both or you can choose to take either one out separately.


  • Buildings Insurance covers the costs of repairing or rebuilding the structure of your home and its permanent fixtures and fittings should it be damaged or destroyed. It includes your garages and domestic outbuildings within the boundaries of your land.
  • Contents Insurance covers your household goods and personal belongings like clothes, furniture, curtains and kitchen appliances in the home (including contents inside garages within the boundaries of your land) - everything you'd take with you if you moved to a new house. 

Get a quote

We understand that both your time and your home are precious. Get a SmartQuote to protect your property and belongings. By clicking ‘Get a Quote’ you will be transferred to Fairmead Insurance Limited, where you can view full terms and conditions and start your SmartQuote.

Get a quote

Lifetime Mortgages

Through your employer having a group protection policy with us, as part of our Umbrella Benefits Scheme, you could receive a £250 Love2shop gift card if you receive financial advice from Legal & General Financial Advice Limited and successfully complete a Legal & General Lifetime Mortgage. Terms and conditions apply.

A lifetime mortgage allows you to release tax-free cash from the equity in your home to do more of the things you enjoy.

You must be 55 or over and living in (or buying) your own home, with either a small or no mortgage. Your home must be worth at least £70,000 or £100,000 depending on your property type.

A lifetime mortgage is a loan secured against your home. It will reduce an inheritance and you may have cheaper ways to borrow money.

Click here to find out more about lifetime mortgages and how to qualify for the offer.


Talk to an adviser

You can only take out an equity release plan through a financial adviser, who will also help you understand if equity release is right for you. Legal & General offer advice on our lifetime mortgages, so if you'd like to speak to one of our advisers about a Legal & General lifetime mortgage, get in touch today.

0808 273 6840

Lines are open

Monday to Friday 8:30 am – 8:00 pm

Saturday 9:00 am – 1:00 pm

Calls may be recorded and monitored.

Calls are free from a UK line