Legal & General income protection review 2026
A closer look at Legal & General’s Income Protection Benefit: who can apply, what it pays and for how long, what affects the cost, key terms and claims.
- Cover
- Up to 60%
- Of income up to £60,000, then 50%
- Maximum benefit
- £20,000
- A month
- Age to apply
- 18–59
- UK residents
- Deferred period
- 4–52 weeks
- Five options, then paid monthly in arrears
In a nutshell
Legal & General’s Income Protection Benefit pays you a regular monthly benefit if illness or injury stops you working and you lose earnings. It’s sold through L&G’s own team of advisers and through financial advisers, to UK residents aged 18 to 59 who have been registered with a UK GP for at least the last two years.
- Covers up to 60% of your gross income up to £60,000 a year and 50% of anything above that, up to £20,000 a month. The benefit is tax-free.
- You choose a deferred period of 4, 8, 13, 26 or 52 weeks. Benefit is then paid monthly in arrears until you return to work or the policy ends, or for up to 12 or 24 months per claim if you choose the limited benefit period.
- Cover can last until your 70th birthday, or your chosen retirement age if earlier, with a minimum term of five years.
- If you work 16 hours a week or more, you’re assessed against your own occupation. If not, you’re assessed on activities of daily living and the most L&G pays is £1,666.67 a month.
- Level cover has guaranteed premiums. With increasing cover, the benefit rises each year in line with the Retail Prices Index (RPI), and the premium rises by the change in RPI multiplied by 1.5.
- Hospitalisation Benefit, an Income Guarantee, proportionate benefit, linked claims, life cover, rehabilitation support and Wellbeing Support are included.
- It doesn’t pay out if you become unemployed or are made redundant, and it has no cash value.
- L&G paid 85% of income protection claims (new and continued) in 2025, and Defaqto rates Income Protection Benefit 5 stars.
Who can apply for Legal & General income protection?
You can take out Income Protection Benefit if you’re aged 18 to 59, a UK resident and have been registered with a GP in the UK for at least the last two years. You can apply even if you’re unemployed, a houseperson or work on average less than 16 hours a week. If that’s still the case when you claim, L&G assesses you on activities of daily living rather than your ability to work, and pays no more than £1,666.67 a month.
- Age to apply
- 18 to 59 (up to the day before your 60th birthday)
- Where you live
- UK resident, registered with a UK GP for at least the last two years
- Maximum monthly benefit
- 60% of gross income up to £60,000 a year plus 50% above that, up to £20,000 a month
- With increasing cover
- Up to £14,000 a month at the start, rising to no more than £20,000
- Houseperson, not working or under 16 hours a week when you claim
- Up to £1,666.67 a month
- Minimum monthly benefit
- None: set by the minimum premium
- Policy term
- At least 5 years, ending no earlier than your 50th birthday and before your 70th birthday or planned retirement date, if sooner
- Deferred period
- 4, 8, 13, 26 or 52 weeks
- Who is covered
- One person: single life only
- How to apply
- Through L&G’s advisers on 0800 294 0275 (9am to 5pm, Monday to Friday), or through a financial adviser
L&G’s adviser guide adds that you need to live permanently in the UK, with a UK bank account and a UK address, and to have spent at least 183 days in the UK in the last tax year.
L&G says around 80% of income protection applications get a decision at the point of sale. Some occupations have limits on how long the policy can last.
Answer the application questions accurately. If wrong information is given deliberately or recklessly, L&G can cancel the policy and refuse to pay, and may not refund your premiums. If the mistake is careless, it can change the policy to the terms it would have offered with the full information. As long as everything was disclosed when you applied, L&G says you don’t need to tell it about changes after the policy starts.
Income from more than one job can be covered under one application. Because the benefit is worked out from your income when you claim, L&G suggests reviewing your cover every year.
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- Ages 18–59
- Paid monthly
- 60 second form
- Free quotes, no obligation
What does Legal & General income protection cover?
Income Protection Benefit pays you a monthly benefit if you can’t work because of an illness or an injury that results in a loss of earnings. The benefit is tax-free, but it won’t replace all of your income from work, and it might affect a claim for some means-tested state benefits.
To claim, you must be incapacitated. If you’re employed or self-employed and worked 16 or more hours a week over the 3 months before, L&G uses an own occupation definition: you’re incapacitated if illness or injury stops you carrying out the material and substantial duties of the occupation you’re following.
If you’re a houseperson, not in paid work or worked on average less than 16 hours a week, L&G uses an activities of daily living definition instead: you’re incapacitated if illness or injury stops you carrying out at least 3 of these 6 activities.
- Walking more than 200 metres unaided on a flat surface
- Climbing a flight of 12 stairs and down again, using the handrail if needed
- Lifting a 2kg object at table height and holding it for 60 seconds before putting it back
- Bending or kneeling to touch the floor and straightening up again without help
- Getting in and out of a standard saloon car without help
- Writing clearly with a pen or pencil, or typing on a computer keyboard
How much you’re paid. When you apply, you choose a monthly benefit of up to 60% of the first £60,000 of your annual income and 50% of anything above that. When you claim, L&G works the benefit out again from your income just before you became ill or injured, not your income when the policy started, so it may be lower if you now earn less. It pays the lower of that amount (less any continuing income) and the benefit on your Policy Schedule, but if the two are less than 10% apart it pays the Policy Schedule amount.
What counts as income. If you’re employed, L&G counts your earnings before tax, bonuses, commission and taxable benefits over the 12 months before your incapacity. If you’re self-employed, it counts your share of the business’s yearly taxable profits, averaged over the three years before your incapacity if you’ve been self-employed for longer than that. If you’ve been self-employed for less than 12 months when you claim, the benefit is limited to 35% of your yearly earnings. The policy only covers income declared to HMRC.
Continuing income. L&G deducts 60% of any pre-tax income you still get while claiming from an employer (such as sick pay) or a business, and from an ill-health early retirement pension linked to the claim. It also deducts the full amount of regular payments from other insurance policies you hold because of your incapacity, including payments made straight to a lender. Income from savings and state benefits such as contributory Employment and Support Allowance and Statutory Sick Pay aren’t deducted.
In L&G’s own example, someone earning £40,000 a year can insure 60% of it: £24,000 a year, or £2,000 a month. If they get £1,000 a month in company sick pay while claiming, L&G deducts 60% of it (£600) and pays £1,400 a month.
If you’re not working. If you’re a houseperson, not working or working less than 16 hours a week when you claim, L&G pays the lower of your chosen monthly benefit and £1,666.67 a month, and assesses you on activities of daily living. If you become incapacitated during statutory maternity, paternity or adoption leave, it pays your chosen benefit based on your income before the leave, as long as you were employed or self-employed just before it.
How long it pays. Payments continue every month until you’re no longer incapacitated or no longer have a loss of income, the policy ends, you die, or you reach the end of a limited benefit period if you chose one.
Level or increasing cover. With level cover, your monthly benefit and your premium stay the same. With increasing cover, the benefit rises each year in line with RPI: it stays the same if RPI changes by less than 1%, and rises by no more than 10%. L&G contacts you 3 months before each policy anniversary with the new benefit and premium.
Income Protection Benefit doesn’t include unemployment cover, so it won’t pay out if you become unemployed or are made redundant.
What’s included with Legal & General income protection?
Alongside the monthly benefit, Income Protection Benefit includes these features and support services.
| Benefit | What it does | Available with |
|---|---|---|
| Waiver of premium | You don’t pay premiums while you’re receiving the monthly benefit. You still pay during the deferred period and until the claim has been assessed. | Available with: Income Protection Benefit |
| Hospitalisation Benefit | If you’re in hospital for more than 7 nights in a row during the deferred period because of the illness or injury you’re claiming for, L&G pays 1/30 of your monthly benefit for each night after the 7th, up to £150 a night. It stops when you leave hospital or the deferred period ends, and after 13 weeks at most. L&G’s claims page says you can claim it even if you’re not making an income protection claim at the same time. | Available with: Income Protection Benefit |
| Income Guarantee | If your earnings have fallen since you took out the policy, L&G still bases the benefit on the lower of £1,500 a month and your chosen benefit (£3,000 for NHS dentists, doctors, midwives, nurses and surgeons), less any continuing income. You need to be working at least 16 hours a week when you become incapacitated. | Available with: Income Protection Benefit |
| Continuous cover | If you’re a houseperson, not working or working under 16 hours a week when you become incapacitated, L&G pays the lower of your chosen benefit and £1,666.67 a month. | Available with: Income Protection Benefit |
| Proportionate benefit | If you go back to work on lower earnings because of your incapacity, L&G pays a proportion of the benefit that reflects the percentage fall in your earnings, until they increase again or the policy ends. With a limited benefit period, it’s paid only until that period ends. | Available with: Income Protection Benefit |
| Linked claims | If the same or a related illness or injury stops you working again within 12 months of going back, you don’t have to wait another deferred period. With a limited benefit period, this applies only if you haven’t reached the maximum benefit period. | Available with: Income Protection Benefit |
| Life cover | If you die during the policy, L&G pays 12 times the monthly premium (not the monthly benefit) as a single payment, and the policy then ends. | Available with: Income Protection Benefit |
| Increasing your cover | Within six months of getting married or entering a civil partnership, divorce or dissolution, having or adopting a child or becoming a child’s legal guardian, your earnings rising by 10% or more or increasing your mortgage, you can increase your benefit without new medical questions. You can also increase it within six months of every third policy anniversary. Each increase can add up to 100% of your original benefit, to a maximum of £833.33 a month and within the maximum allowed for your income, with a total of £2,500 a month for all increases, and is set up as a second policy. The option can’t be used after your 55th birthday, once a valid claim has been made or if you’re incapacitated and about to claim. | Available with: Income Protection Benefit |
| Rehabilitation Support Service | At no extra cost, qualifying claimants get a specialist rehabilitation team that builds a structured return-to-work programme, with support from healthcare professionals including trained nurses, physiotherapists and occupational therapists. | Available with: Qualifying income protection claims |
| Wellbeing Support | Phone-based support from RedArc’s registered nurses for you, your partner and children living at home. You don’t need to make a claim to use it. | Available with: Income Protection Benefit |
| Care Concierge | Free, confidential and impartial phone guidance from L&G’s Care Experts on understanding and finding adult and later life care. | Available with: Income Protection Benefit |
You choose these options when you take out the policy. Stepped Benefit and the limited benefit period can’t be combined.
| Optional extra | What it does |
|---|---|
| Increasing cover | The monthly benefit rises each year in line with RPI, by up to 10%, and the premium by the change in RPI multiplied by 1.5, by up to 15%. The starting benefit is limited to £14,000 a month. |
| Stepped Benefit | Two deferred periods and two benefit amounts: a lower benefit after the first deferred period and a higher one after the second. L&G suggests it if your income would fall but not stop completely while you’re incapacitated. |
| NHS stepped benefit | NHS dentists, doctors, midwives, nurses and surgeons with less than 5 years’ service can have 6 and 12 month deferred periods, with payments matched to when their NHS sick pay reduces or stops. It applies only to NHS earnings. |
| Limited benefit period | Also called the Low Cost option: benefit is paid for up to 12 or 24 months per claim, which L&G describes as a way to keep premiums down. Afterwards the policy continues and premiums restart, but L&G’s adviser guide says a houseperson’s policy ends once the benefit has been paid for the full period (not necessarily in one go). To claim again for the same or a related reason, you need to have been back at work for 6 months in a row, at 16 hours a week or more. |
How much does Legal & General income protection cost?
We didn’t find any price examples published by Legal & General for Income Protection Benefit, so we don’t show any here. The price you’re quoted depends on your own circumstances and the options you choose.
- The monthly benefit you choose
- Level or increasing cover
- Whether you choose the limited benefit period
- Income Protection Benefit or Low Start Income Protection
L&G works out your premium from the monthly benefit you choose at the start. With level cover the premium is guaranteed and won’t change unless you change the policy. With increasing cover it rises each year by the change in RPI multiplied by 1.5, by up to 15%. Premiums are paid monthly by Direct Debit.
Through financial advisers, L&G also offers Low Start Income Protection, with a lower starting premium that increases each year with age. It shares many of Income Protection Benefit’s features, but its maximum level cover is £10,000 a month and it doesn’t include Hospitalisation Benefit or life cover.
For a price, you can call L&G’s advisers on 0800 294 0275 for advice and a personalised quote.
Income protection prices generally depend on your age, health, smoking and job, as well as the deferred period and how long the benefit can be paid. A longer deferred period or a shorter benefit period usually costs less.
Our income protection calculator estimates how much monthly income you might need, what Statutory Sick Pay would cover and how long your savings would last.
Key policy terms
These are the main terms, taken from the Income Protection Benefit policy summary and policy terms and conditions and L&G’s income protection pages.
| Term | Income Protection Benefit |
|---|---|
| Deferred period | 4, 8, 13, 26 or 52 weeks. Benefit is paid monthly in arrears, so the first payment is due a month after it ends |
| When the deferred period starts | The date you became incapacitated, but no more than 4 weeks before you contact L&G |
| Telling L&G about a claim | Within 2 weeks of becoming incapacitated with a 4-week deferred period, otherwise within 4 weeks |
| Working while claiming | Not allowed in any occupation during the deferred period or while the benefit is paid |
| How long benefit is paid | Until you’re no longer incapacitated or have no loss of income, the policy ends or you die; or up to 12 or 24 months per claim with the limited benefit period |
| Policy term | At least 5 years; the policy can’t end before your 50th birthday and must end before your 70th birthday or planned retirement date, if sooner. Some occupations have limits on the term |
| Not covered | Unemployment or redundancy; incapacity due to the normal effects of pregnancy (complications from pregnancy or childbirth that stop you working, confirmed by your doctor or consultant, aren’t excluded); a claim where the policy ends before the deferred period finishes |
| Other reasons a claim may not be paid | Not giving full and honest answers when you apply, not meeting the policy definitions, or premiums not being up to date |
| Premiums while claiming | Paid during the deferred period and until the claim is assessed, then waived while you receive benefit. They restart when the claim ends |
| Missed premiums | The policy ends if a premium is still unpaid 60 days after its due date. Premiums already paid aren’t refunded |
| Cash-in value | None: it isn’t a savings or investment plan |
| Cooling-off period | 30 days from receiving the policy and the notice of your right to cancel, with a refund of premiums paid |
| Cancelling later | Possible at any time, but you won’t get any money back |
| Living or travelling abroad | Covered in the EU, USA, Canada, Australia, New Zealand, the Isle of Man and the Channel Islands. Elsewhere, covered for up to 12 months in a row, with benefit paid for no more than six months |
| Income covered | Only income declared to HMRC |
| Changing the policy | You can ask to lengthen or shorten the term, lower the benefit or change the deferred period, which may need a health questionnaire |
| Tax | The monthly benefit is tax-free, but may affect some means-tested state benefits |
| Trust | Can’t be put in trust |
| Joint policies | Not available: single life only |
| Compensation scheme | Most customers are covered by the Financial Services Compensation Scheme (FSCS) |
Making a claim on Legal & General income protection
L&G’s claims statistics include a column for income protection, which counts new claims and claims already being paid that continued into the year. For 2025 it reported:
- Income protection claims paid in 2025 (new and continued)
- 85%
- New and existing income protection claimants paid in 2025
- 814
- Income protection benefits paid in 2025
- £9.2m
- Average income protection payout a month in 2025
- £779
The share of claims paid was 82.2% in 2022, 80% in 2023 and 84% in 2024. In 2025 the largest payout was £8,000 a month, the most common causes of claims were musculoskeletal conditions (38.3%), cancer (13.9%) and anxiety or depression (11.8%), and the average age at the point of claim was 42.
Contact L&G as soon as you can’t work if you think your illness or injury will last beyond your deferred period. With a 4-week deferred period you need to tell L&G within 2 weeks of becoming incapacitated, and with any other deferred period within 4 weeks. The deferred period can’t start more than 4 weeks before you get in touch.
L&G says the easiest way to start is through My Account, where you can submit the claim, upload documents and track progress from any device. You can also call the income protection claims line on 0800 027 9830. Have ready your policy number, details of your illness or injury, contact details for your GP or consultant and for your employer, and proof of earnings.
L&G then checks your policy, asks for any medical or employment information it needs and sends forms to sign by email or post. Letters from your GP or consultant can speed things up. Being signed off by your GP helps, but L&G will likely need more information, as it assesses each claim on how the illness or injury affects your ability to work. Its terms give the example that stress on its own isn’t an illness, but it can lead to symptoms that might stop you doing the material duties of your job.
Benefit is paid monthly in arrears, so the first payment is due a month after the deferred period ends. It can take longer if information is slow to arrive, which L&G says is more likely with a short deferred period; it then backdates the payment once the claim is approved. Keep paying your premiums while the claim is assessed.
While you’re being paid, you need to start and continue appropriate treatment, and depending on your illness or injury you might need to attend a rehabilitation programme, counselling or therapy. L&G may refer you to its Rehabilitation Support Service, ask you to attend medical examinations or meet one of its team at home, and regularly review your claim. It may stop payments if you don’t give the medical and financial information it asks for.
If you go back to work and then can’t work again for a different reason, it’s treated as a new claim and the deferred period starts again.
- Income protection claims
- 0800 027 9830
- Opening hours
- Mon–Fri, 9am–5.30pm (the policy documents say 9am–5pm)
- Calling from abroad
- +44 (0)1273 374 017
- Claims email
- income.protection@landg.com
- Start a claim online
- legalandgeneral.com (opens in a new tab)
Phone numbers and hours as published by L&G when we checked on 25 September 2026.
Legal & General income protection ratings
Defaqto rates each product from 1 to 5 stars. It gives L&G’s Income Protection Benefit 5 stars in its income protection category, and rates Low Start Income Protection and Rental Income Protection 5 stars too.
Defaqto ratings
| Policy | Range | Defaqto rating |
|---|---|---|
| Income protection | Income Protection Benefit | 5 out of 5 stars |
| Income protection | Low Start Income Protection | 5 out of 5 stars |
| Income protection | Rental Income Protection | 5 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Defaqto ratings: defaqto.com (opens in a new tab)
Is Legal & General income protection good?
Income Protection Benefit covers up to 60% of your income up to £60,000 and 50% above that, up to £20,000 a month, with a choice of five deferred periods, cover until your 70th birthday at the latest and an own occupation definition if you work 16 hours a week or more. Hospitalisation Benefit, an Income Guarantee, proportionate benefit, linked claims, life cover and rehabilitation and wellbeing support are included, and Defaqto rates it 5 stars.
There are points to weigh up. The benefit is worked out from your income when you claim, so it can be lower than the amount you chose if your earnings fall, and the Income Guarantee only protects up to £1,500 a month (£3,000 for NHS dentists, doctors, midwives, nurses and surgeons). If you’re a houseperson, not working or working under 16 hours a week, the activities of daily living test applies and the benefit is capped at £1,666.67 a month. You keep paying premiums through the deferred period, and there’s no cover for unemployment or redundancy.
L&G paid 85% of income protection claims (new and continued) in 2025, and between 80% and 85% in each year from 2022.
Pros
- Covers up to 60% of income up to £60,000 and 50% above that, up to £20,000 a month
- Own occupation definition if you work 16 or more hours a week
- Five deferred periods from 4 to 52 weeks, plus Stepped Benefit and an NHS option
- Guaranteed premiums with level cover
- Hospitalisation Benefit, Income Guarantee, proportionate benefit and linked claims included
- Rehabilitation support, Wellbeing Support and Care Concierge
- Rated 5 stars by Defaqto
- Publishes income protection claims statistics, with figures for each year from 2022 to 2025
Cons
- The benefit is based on your income when you claim, so it may be lower than you chose
- Houseperson or under 16 hours a week: activities of daily living test and a £1,666.67 monthly limit
- Premiums still due during the deferred period and until the claim is assessed
- No cover for unemployment or redundancy
- No cash-in value, and nothing back if you cancel after 30 days
- Single life only, and it can’t be put in trust
- Benefit paid for no more than six months while you’re outside the listed countries
Legal & General income protection policy documents
These are the documents for Income Protection Benefit, which is provided by Legal & General Assurance Society Limited:
-
Income Protection Benefit policy summary (opens in a new tab)
How the policy works, who can apply, the monthly benefit, cover options, key features and the main exclusions.
-
Income Protection Benefit policy terms and conditions (opens in a new tab)
The full terms: incapacity definitions, how the benefit is worked out, continuing income, claims, changes and cancelling.
-
Income protection insurance page (opens in a new tab)
L&G’s customer page for Income Protection Benefit, with FAQs and the number to call for advice.
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Income Protection adviser page (opens in a new tab)
L&G’s page for financial advisers, comparing Income Protection Benefit with Low Start Income Protection.
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Protection Product Profiles (opens in a new tab)
L&G’s adviser guide to its protection products, including income protection limits and benefits.
Documents are published by L&G and open on its website. We read the policy summary LG1922 (04/25) and the terms and conditions LG2013 (04/25). If you already have a policy, check your own policy documents.
How Legal & General income protection compares
Income protection policies can look alike, but the details that decide what you’re paid differ from one policy to another, so it’s worth comparing more than the monthly premium.
The points worth checking on any policy are the ones covered on this page. For L&G’s Income Protection Benefit: you can apply from 18 to 59, it covers up to 60% of your income up to £60,000 and 50% above that (up to £20,000 a month), you can choose a deferred period from 4 to 52 weeks, the own occupation definition applies if you work 16 hours a week or more, and the benefit is paid until you return to work or the policy ends, unless you choose a 12 or 24 month limited benefit period.
Also check how the benefit is worked out when you claim. L&G uses your income just before you became ill or injured, deducts 60% of any sick pay or business income you still receive, and suggests reviewing your cover every year.
Our income protection calculator estimates how much monthly income you might need, what Statutory Sick Pay would cover and how long your savings would last.
Our guide to income protection explains how this type of cover works and lists the insurers in our reviews that offer it, alphabetically.
Other insurers’ income protection guides
Read our full Legal & General life insurance review, or see all our insurer reviews.
Legal & General income protection FAQs
Income Protection Benefit pays you a tax-free monthly benefit if illness or injury stops you working and you lose earnings. If you work 16 hours a week or more, you’re covered if you can’t carry out the material and substantial duties of your own occupation. It doesn’t cover unemployment or redundancy.
Up to 60% of your gross annual income up to £60,000, plus 50% of anything above that, with a maximum of £20,000 a month (£14,000 at the start with increasing cover). If you’re a houseperson, not working or working less than 16 hours a week when you claim, the most L&G pays is £1,666.67 a month.
You can apply from 18 up to the day before your 60th birthday. You also need to be a UK resident who has been registered with a UK GP for at least the last two years. The policy must end before your 70th birthday, or your planned retirement date if sooner.
4, 8, 13, 26 or 52 weeks. L&G suggests matching it to any sick pay or other income you’d still get. The benefit is paid monthly in arrears, so the first payment is due a month after the deferred period ends.
Until you’re no longer incapacitated or no longer have a loss of income, the policy ends or you die. If you chose the limited benefit period (Low Cost option), payments stop after 12 or 24 months of a claim.
Yes. L&G says the monthly benefit is tax-free, but it might affect a claim for some means-tested state benefits.
Yes. If you work 16 hours a week or more, the own occupation definition applies. L&G counts your share of the business’s yearly taxable profits, averaged over the three years before your incapacity if you’ve been self-employed for longer than that. If you’ve been self-employed for less than 12 months when you claim, the benefit is limited to 35% of your yearly earnings.
Yes, during the deferred period and until your claim has been assessed. After that, L&G waives your premiums while it pays the benefit, and they restart when the claim ends.
It includes life cover of 12 times your monthly premium (not the monthly benefit), paid as a single payment, after which the policy ends.
Contact L&G as soon as you can’t work if you think it will last beyond your deferred period, through My Account or on 0800 027 9830. Have your policy number, details of your illness or injury, your GP’s and employer’s contact details and proof of earnings ready.
L&G paid 85% of income protection claims in 2025, counting new claims and those already being paid that continued. The figure was 82.2% in 2022, 80% in 2023 and 84% in 2024.
Yes, at any time. If you cancel within 30 days of receiving the policy and the notice of your right to cancel, L&G refunds your premiums. After that, you won’t get any money back.
Sources
The facts on this page come from these sources.
- Legal & General — Income protection insurance page (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General — Adviser Income Protection product page (Income Protection Benefit and Low Start Income Protection) (opens in a new tab), legalandgeneral.com, accessed 26 September 2026.
- Legal & General — Income Protection Benefit Policy Summary (LG1922) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General — Income Protection Benefit Policy Terms and Conditions (LG2013) (opens in a new tab), legalandgeneral.com, accessed 26 September 2026.
- Legal & General — Protection Product Profiles, adviser guide (W12549) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General — L&G Retail Protection claims statistics 2025 (adviser infographic, "2025 Claims") (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Defaqto — Defaqto Star Ratings (Life & Protection) for Legal & General (opens in a new tab), defaqto.com, accessed 24 September 2026.
- Legal & General — Legal & General - How do I make a claim (customer claims page, phone numbers and opening hours) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General — Protection trusts hub for existing customers (Online Trust Hub) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General Group Plc — L&G press release - L&G paid out over £1.388bn protection claims in 2025 (opens in a new tab), group.legalandgeneral.com, accessed 25 September 2026.
- Legal & General — L&G claims statistics 2022 (adviser one-pager; archived copy, Wayback Machine capture of 6 Dec 2024) (opens in a new tab), web.archive.org, accessed 25 September 2026.
- Legal & General — L&G claims statistics 2023 (adviser infographic, "Our claims statistics 2023") (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General — L&G claims statistics 2024 (adviser infographic; archived copy, Wayback Machine capture of 4 Dec 2025) (opens in a new tab), web.archive.org, accessed 25 September 2026.
- Legal & General — Legal & General - Contact us about your life insurance (existing customers FAQs, claims contacts, bereavement support) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
Related pages
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Income protection
A monthly payment if you can’t work due to accident or illness.
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Best life insurance
What to compare when you choose a policy.
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Term life insurance
Cover for a set number of years, with level or decreasing cover.
