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.

Later Life Mortgages

Through your employer having a group protection policy with us, as part of our Umbrella Benefits Scheme, you could receive a £250 Love2 shop gift card if you receive financial advice from Legal & General Financial Services Limited and successfully complete a Legal & General Later Life Mortgage.


A later life mortgage is a mortgage aimed at homeowners aged 55 or over and allows you to borrow money based on the value of your home, while continuing to live there. Your home will need to be worth a minimum of £100,000. Our later life mortgages include lifetime mortgages and Retirement Interest Only Mortgages.


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 a later life mortgage through a qualified financial adviser, who will also help you understand if it’s right for you. Legal & General Financial Advice Limited offer advice on our Later Life Mortgages, so if you’d like to speak to one of our advisers, get in touch today. Terms and conditions apply.


Call: 0808 273 6840


Monday to Sunday 8:30am - 8:00pm. We may record and monitor calls.

Home Insurance

As a result of a change in ownership of Legal & General Insurance Limited, we’re no longer able to offer new Home Insurance policies under the Umbrella Benefits promotion. If you’re an existing customer and would like to make a claim, or need to find out more about your policy, please click here and we’ll be happy to help.