Sainsbury’s over 50s life insurance review 2026
A look at Sainsbury’s over 50s Fixed and Increasing Plans: who can apply, what they pay out and cost, the Nectar points offer, key terms and how to claim.
- Entry age
- 50–80
- No medical questions
- Maximum cash sum
- £10,000
- Across all L&G Over 50s plans
- Premiums from
- £5 a month
- Depending on age and smoking
- Premiums stop
- Age 90
- Cover continues for life
In a nutshell
A guaranteed-acceptance whole of life plan from Sainsbury’s Money, provided by Legal & General. It pays a cash sum of up to £10,000 if you die after the first year, as long as you keep paying the premiums.
- For UK residents aged 50 to 80, with no medical questions.
- A choice of a Fixed Plan, where the premium and cash sum stay the same, or an Increasing Plan, where the cash sum is reviewed each year in line with the Retail Prices Index (RPI) and the premium rises by the change in RPI multiplied by 1.5.
- Cover from £5 a month, depending on your age and smoker status. Premiums stop after your 90th birthday, and cover continues for the rest of your life.
- If you die in the first year, the premiums you’ve paid are refunded instead of the cash sum. The exception is a death caused by an accident, within 90 days of it, which pays the full cash sum unless it results from an excluded cause such as suicide or a hazardous sport.
- Nectar members who buy direct can get 22,000 Nectar points once they’ve paid 5 months’ premiums, and L&G’s quote page says Nectar card holders get a greater cash sum.
- Defaqto rates both plans 5 stars, while Fairer Finance gives both 3 stars.
- The plans have no cash-in value, and if you stop paying the premiums, you get nothing back.
Who can apply for Sainsbury’s over 50s life insurance?
Sainsbury’s says its over 50s cover is intended for people aged 50 to 80 who want to help their family cover funeral costs or leave them a small gift. Acceptance is guaranteed, without medical questions, if you meet the age and residency rules below.
- Age to apply
- 50 to 80
- Residence
- UK resident, in the UK for at least 183 days in the last tax year
- Medical questions
- None: acceptance is guaranteed
- Maximum cash sum
- £10,000 across all your L&G Over 50s policies
- Premiums
- From £5 a month, depending on age and smoker status
- Premiums stop
- After your 90th birthday; cover continues for life
- Plans
- Fixed Plan or Increasing Plan
- Who it covers
- One person: plans can’t be held in joint names
- How to apply
- Online through L&G, or by phone on 0800 197 3373
- Payment
- Monthly, by direct debit
The quote questions must be answered by the person to be insured. L&G asks for your date of birth and your recent smoking habits, and uses them to set your premium and cash sum. You count as a non-smoker if you haven’t used tobacco, e-cigarettes or nicotine replacement products in the 12 months before you apply, and if your smoker status affects your premium or cash sum, L&G can ask for your consent to contact your doctor.
An online application is accepted automatically, and the policy document and cancellation notice are sent within seven working days. Mistakes on the form can’t be corrected online once you’ve clicked ‘apply now’: you need to wait for your policy documents and then contact L&G.
You can hold more than one plan, as long as the cash sums added together, including any existing L&G Over 50s Plan, come to no more than £10,000. If you have a plan taken out before 25 November 2017, L&G asks you to check the policy documents you were given for your total cash sum.
Your partner can apply for their own plan if they’re also aged 50 to 80 and meet the residency rule, but plans are set up individually and can’t be held in joint names.
The application line, 0800 197 3373, is open 8.30am to 8pm Monday to Friday and 9am to 1pm on Saturdays according to Sainsbury’s over 50s page and L&G’s quote page, although Sainsbury’s support page gives weekday hours of 8.30am to 6pm.
L&G doesn’t give advice, and Sainsbury’s Money receives a commission from L&G if you buy a plan. If you’re unsure whether the plan is right for you, Sainsbury’s suggests speaking to a financial adviser, and it notes that other products may be available if you’re willing to answer lifestyle and medical questions.
Compare quotes from a panel of UK insurers
- Quick 3 step process
- 60 second form
- Free quotes, no obligation
What does Sainsbury’s over 50s life insurance cover?
Sainsbury’s Over 50s Life Insurance is a form of whole of life cover. It pays a cash sum if you die after the first year of the policy, whenever that happens, as long as you keep paying your monthly premiums until they stop after your 90th birthday.
Sainsbury’s says the cash sum can help your loved ones with costs such as funeral expenses, but the plans aren’t designed to meet the full cost of a funeral and don’t guarantee to.
The cash sum is paid on death to your estate, unless the plan has been assigned or placed in trust. L&G’s terms say the cash sum is paid to the legal representative, and the policy then ends.
What the plan pays depends on when you die, and in the first year on how you die:
- After the first year: the full cash sum, whatever the cause of death.
- Accidental death in the first year: the full cash sum, as long as death occurs within 90 days of the accident.
- Any other death in the first year: the premiums you’ve paid are refunded instead of the cash sum.
- First-year exclusions: even for a death caused by an injury, only premiums are refunded if the injury results, directly or indirectly, from: suicide or intentional serious self-injury; taking part in a hazardous sport or pastime; flying other than as a fare-paying passenger on a licensed airline; committing, attempting or provoking an assault or any criminal offence; war, riot or civil commotion; or taking alcohol, or drugs not prescribed by a registered doctor in the UK.
- What counts as an accident: a bodily injury caused by external, violent and visible means that, on its own, results in death. Sickness, disease and degenerative conditions don’t count.
You can choose between two plans.
Fixed Plan. Your premium and cash sum stay the same, so inflation will reduce what the cash sum can buy in the future. Once you’ve held the plan for at least a year, you can reduce your premium once, as long as it doesn’t go below the minimum premium and L&G still offers the option, and your cash sum reduces with it.
Increasing Plan. Your cash sum is reviewed each year in line with the Retail Prices Index (RPI), and your premium rises by the change in RPI multiplied by 1.5. The yearly increase is capped at 10% for the cash sum and 15% for the premium, and if RPI is 0% or less, nothing changes. L&G tells you what the increase will be at least three months beforehand, and it keeps reviewing the cash sum each year even after premiums stop after your 90th birthday.
If you’re worried about affording the increases, you can decline one after your annual review. Your cash sum then stays at the same value, and you can’t increase your cash sum or premium in later years. After declining, you can also ask once to reduce your premium, with a lower cash sum, but not below the minimum premium.
Sainsbury’s points out that to keep pace with inflation you need to be able to meet the premium increases over the years, and that RPI may not keep up with future rises in funeral costs.
You can put the plan in trust at any time by completing a form, sometimes called a trust deed. L&G says a trust can keep the proceeds out of your estate, which can help manage Inheritance Tax. You keep paying the premiums, and the trustees look after the documents and make the claim when you die. L&G can’t advise you on whether to use a trust.
Sainsbury’s over 50s life insurance benefits & extras
Sainsbury’s over 50s plans come with access to two support services from L&G:
| Benefit | What it does | Available with |
|---|---|---|
| L&G Wellbeing Support | Telephone help and advice from qualified nurses at RedArc, from the day you take out cover for as long as the policy lasts. A nurse can support you after a serious illness diagnosis, and RedArc also offers bereavement and carer support, advice on supporting an elderly relative, and a face-to-face second medical opinion with a UK-based specialist consultant. L&G’s Wellbeing Support guide says the services aren’t part of its terms and conditions, so they can be changed or withdrawn at any time. | Available with: New over 50s policies bought via Sainsbury’s on or after 13 January 2020 |
| Care Concierge | A confidential and impartial telephone service from L&G’s care experts, available at no cost, to help you or your loved ones understand and navigate later life care options. It doesn’t provide care or assess clinical needs. | Available with: Over 50s Life Insurance |
How much does Sainsbury’s over 50s life insurance cost?
We didn’t find published price examples for this plan, so we don’t show any. The price you’re offered comes from a personal quote.
Sainsbury’s says cover starts from £5 a month, depending on your age and smoker status. What you pay and the cash sum you get depend on:
- Your age: L&G asks for your date of birth
- Whether you’ve used tobacco, e-cigarettes or nicotine replacement products in the last 12 months
- The monthly premium you choose
- Whether you give a Nectar card number: L&G’s quote page says Nectar card holders get a greater cash sum
On the Fixed Plan the premium is fixed and guaranteed not to increase, and you pay it every month up to and including your 90th birthday. On the Increasing Plan it’s reviewed each year and rises by the change in RPI multiplied by 1.5, by up to 15% a year, so Sainsbury’s says you need to make sure you can meet the increases over the years.
L&G says it can’t tell you exactly how much you’ll pay overall, because that depends on the premium you choose and how long you live, and on the Increasing Plan also on changes in RPI. Depending on how long you live, the total premiums you pay may be more than the cash sum paid out.
Our over 50 life insurance calculator shows how monthly payments on an over 50s plan add up over time, and when they could pass the amount the plan pays out.
Sainsbury’s over 50s Nectar points offer
Note: Free gifts are offered by select brokers only, our life insurance brokers do not offer free gifts.
Nectar members can get 22,000 Nectar points when they take out a new over 50s plan direct from Sainsbury’s website or by phone and pay 5 months’ premiums. L&G’s over 50s quote page also says Nectar card holders get a greater cash sum.
The banner on Sainsbury’s over 50s page says ‘up to’ 22,000 points, worth up to £110, while the offer terms give 22,000 points worth at least £110. The table below follows the offer terms.
- Points
- 22,000 (worth at least £110)
- When they’re added
- Within 60 days after you’ve paid 5 months’ premiums
- How to qualify
- Buy a new plan direct, online or by phone, and give your Nectar number when you apply
- Excluded
- Purchases through price comparison, cashback, voucher code and similar sites
- Not eligible
- If you’ve held and cancelled an L&G Over 50s policy bought through Sainsbury’s in the last 18 months
- Limit
- Points on no more than 2 policies per household in any 12 months
The points come from Sainsbury’s Supermarkets Ltd, there’s no cash alternative, and Sainsbury’s can change or cancel the offer without notice.
Offer checked on 25 September 2026 and may have changed since.
See other insurers’ offers and their conditions in our guides to life insurance with a free gift and over 50 life insurance with a free gift.
Key policy terms
A few terms that are worth knowing before you apply. Always check the policy documents for the exact plan you’re offered.
| Term | Over 50s Life Insurance |
|---|---|
| First year | Premiums refunded for a death from any cause other than an accident; the full cash sum for an accidental death within 90 days of the accident |
| First-year exclusions | Only premiums refunded for an injury death resulting, directly or indirectly, from: suicide or intentional serious self-injury; a hazardous sport or pastime; flying other than as a fare-paying passenger on a licensed airline; committing, attempting or provoking an assault or any criminal offence; war, riot or civil commotion; or taking alcohol, or drugs not prescribed by a registered doctor in the UK |
| Premiums | Monthly, up to and including your 90th birthday; cover then continues for life |
| Fixed Plan | Premium and cash sum fixed; the premium can be reduced once after a year, with a lower cash sum, while L&G still offers this (minimum premium applies) |
| Increasing Plan | Cash sum reviewed yearly with RPI (up to 10%); premium rises by 1.5 times the RPI change (up to 15%); an increase can be declined, but increases can’t then restart |
| Maximum cash sum | £10,000 across all your L&G Over 50s policies |
| Cooling-off period | 30 days from receiving your Policy Schedule or cancellation notice, with premiums refunded (one FAQ counts the 30 days from when your application is received) |
| Cancelling later | Possible at any time, but premiums aren’t refunded and the cash sum is no longer payable |
| Cash-in value | None: no cash value unless a valid claim is made |
| Missed premiums | Cover ends and nothing is paid back. The product page, application page and L&G’s terms give 60 days, one FAQ says 30 days, and the policy summary gives no period |
| Joint cover | Not available: each person takes out their own plan |
| Trust | Can be set up at any time with a trust deed; L&G can’t advise on it, and may need more information to cancel a plan held in trust |
| Inheritance Tax | The cash sum normally forms part of your estate and may be subject to Inheritance Tax |
| Incorrect answers | Deliberate or reckless: L&G can cancel the policy, refuse to pay and may not refund premiums. Careless: L&G can change the policy to the terms it would have offered |
| FSCS protection | L&G is covered by the Financial Services Compensation Scheme |
Making a claim on Sainsbury’s over 50s life insurance
Claims are made to Legal & General, which provides the plan. The figures below are Legal & General’s own: they combine life and over 50s claims across its whole retail protection business, not only plans sold through Sainsbury’s. For 2025, L&G reported:
- Of L&G life and over 50s claims paid
- 97.5%
- L&G life and over 50s claims paid
- 13,950
- Paid out on L&G life and over 50s plans
- £527m
The over 50s pros and cons in Sainsbury’s comparison guide say most valid claims are paid out in one day, without giving figures. A Sainsbury’s FAQ adds that L&G sometimes needs to refer a claim to third parties, which can cause a delay.
A claim can be made by phone, in writing or online. L&G’s claims page says the fastest way to claim is online: a claim on someone else’s over 50s policy is started through its Claim Portal, where you can submit the claim and upload documents from any device.
Sainsbury’s support page and L&G’s claims page give 0800 009 3506 for over 50s claims, open 9am to 5.30pm on weekdays. The over 50s policy summary and terms and conditions give the same number with hours of 9am to 5pm, plus the email address myclaim@landg.com, while Sainsbury’s FAQ on over 50s claims gives 0800 137 101, the number its support page lists for life insurance claims.
When you tell L&G about a claim, it asks for the policy number (it can still help without it), the name of the person who has died, the cause, date and place of death if known, who you are and your relationship to them, and the legal next of kin if known. L&G’s claims page asks for a copy of the death certificate, while a Sainsbury’s FAQ says L&G needs the original death certificate and the original policy schedule, and that L&G’s advisers can explain an additional procedure if you don’t have the original policy document.
L&G may write to the GP, the coroner (or procurator fiscal) and anyone else involved for more information, and for an accidental death in the first year it may ask the coroner to confirm the circumstances. The cash sum is paid to the legal representative, and the policy then ends.
Sainsbury’s says it could help speed up a claim if you tell your loved ones about the plan and where you keep the original policy schedule.
- Over 50s claims
- 0800 009 3506
- Lines open
- Mon–Fri, 9am–5.30pm (9am–5pm in the policy documents)
- Claims email
- myclaim@landg.com
- Claims by post
- Claims Department, Legal & General Assurance Society Limited, City Park, The Droveway, Hove, East Sussex BN3 7PY
- Complaints
- 0370 010 4080
Sainsbury’s over 50s life insurance ratings
Two independent ratings look at Sainsbury’s over 50s plans themselves, and they reach different results: Defaqto rates both plans 5 stars, while Fairer Finance gives both 3 stars.
| Review site | Rating | What it means |
|---|---|---|
| Fairer Finance | 3 stars (both plans) | Fairer Finance’s over 50s product ratings give Sainsbury’s Over 50s Cover Fixed Plan and Over 50s Cover Increasing Plan 3 stars each, and list premiums that stop at age 90. Checked on 25 September 2026. View on Fairer Finance (opens in a new tab) |
Defaqto ratings for each plan
Defaqto rates each product from 1 to 5 stars. It rates both of Sainsbury’s Money’s over 50s plans 5 stars in its Over 50s life assurance category.
| Policy | Range | Defaqto rating |
|---|---|---|
| Over 50s life assurance | Over 50s Fixed Life Insurance Plan | 5 out of 5 stars |
| Over 50s life assurance | Over 50s Life Insurance Plan - Increasing Plan | 5 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Plan names are shown as Defaqto lists them. Defaqto ratings: defaqto.com (opens in a new tab)
Sainsbury’s Money’s Trustpilot profile covers the whole company, which offers products for pets and travel as well as life cover, rather than over 50s cover alone, so we show its score in our full Sainsbury’s review instead.
Is Sainsbury’s over 50s life insurance good?
Sainsbury’s Over 50s Life Insurance is a way to leave a cash sum of up to £10,000 without answering medical questions, with a choice between a fixed cash sum and one that rises with RPI. Legal & General provides the plan and handles claims, premiums stop after your 90th birthday, and Nectar members who buy direct can get 22,000 Nectar points. Both plans are rated 5 stars by Defaqto.
The limits are worth weighing up: only premiums are refunded for a non-accidental death in the first year, the plan has no cash-in value, nothing is paid back if you stop paying, and depending on how long you live you may pay in more than the cash sum. Fairer Finance rates both plans 3 stars, and Sainsbury’s own pages don’t agree on how long you have after a missed premium.
Whether it suits you depends on how much you want to leave, how long you might pay for it and the price you’re offered, so it’s worth comparing over 50s plans before you decide.
Pros
- Guaranteed acceptance for UK residents aged 50 to 80, with no medical questions
- A choice of a fixed cash sum or one that rises with RPI
- Premiums stop after your 90th birthday, and cover continues for life
- The full cash sum for an accidental death in the first year, if death occurs within 90 days of the accident and no first-year exclusion applies
- Both plans rated 5 stars by Defaqto
- 22,000 Nectar points for Nectar members who buy direct, once 5 months’ premiums are paid
- Wellbeing Support from RedArc nurses and access to Care Concierge
Cons
- Maximum cash sum of £10,000 across all your L&G Over 50s policies
- Only premiums refunded for a non-accidental death in the first year
- No cash-in value, and nothing back if you stop paying
- Depending on how long you live, you may pay in more than the cash sum
- Both plans rated 3 stars by Fairer Finance
- Can’t be held in joint names
- Sainsbury’s pages don’t agree on the missed-premium period
Sainsbury’s over 50s life insurance policy documents
Sainsbury’s asks you to read the policy summary before you apply. The policy summary and terms and conditions are Legal & General’s documents for these over 50s plans, and the Wellbeing Support guide explains the RedArc service. The policy summary doesn’t include the full terms, which are sent with your policy documents.
-
Over 50s Life Insurance policy summary (opens in a new tab)
How the Fixed and Increasing Plans work, who can apply, the maximum cash sum, cancelling and how to claim (QGI13077).
-
Over 50s Life Insurance terms and conditions (opens in a new tab)
The full terms: the first-year rules, premiums, declining increases, trusts, claims and cancelling (QGI11740).
-
L&G Wellbeing Support guide (opens in a new tab)
How the RedArc Wellbeing Support service works and how to contact it.
The documents open on the document server that Sainsbury’s Money links to. They may be updated — the version you receive with your policy is the one that applies.
How Sainsbury’s over 50s life insurance compares
When you compare over 50s plans, it helps to look beyond the monthly price, because the terms can differ from plan to plan. These are the details worth checking, with what Sainsbury’s plan offers for each:
Initial period: one year, with premiums refunded rather than the cash sum paid for a non-accidental death in that time.
When premiums stop: after your 90th birthday, with cover continuing for life.
Maximum cash sum: £10,000, including any other L&G Over 50s policies you have.
Inflation protection: the Increasing Plan’s cash sum rises with RPI, by up to 10% a year, while the Fixed Plan’s stays the same.
Missed payments: cover ends and nothing is paid back.
Gift: 22,000 Nectar points for Nectar members who buy direct, once 5 months’ premiums are paid.
Because Legal & General provides the plan and handles its claims, our Legal & General review is also worth reading.
Our guide to over 50s life insurance explains how this type of cover works and lists the insurers in our reviews that offer it, alphabetically.
Other insurers’ over 50s life insurance guides
- Aviva over 50s life insurance
- Legal & General over 50s life insurance
- NatWest over 50s life insurance
- Post Office over 50s life insurance
Read our full Sainsbury’s life insurance review, or see all our insurer reviews.
Sainsbury’s over 50s life insurance FAQs
Legal & General Assurance Society Limited provides it. Online quotes are given on an L&G website introduced by Sainsbury’s Money, and Sainsbury’s Money receives a commission from L&G if you buy a plan.
Yes. You can apply if you’re aged 50 to 80, you’re a UK resident and you’ve lived in the UK for at least 183 days in the last tax year.
No. Acceptance is guaranteed without medical questions if you meet the age and residency rules, and you won’t be asked to have any medical assessments. L&G asks for your date of birth and recent smoking habits to set your premium and cash sum.
The premiums you’ve paid are refunded instead of the cash sum. If you die as the result of an accident, within 90 days of it, the full cash sum is paid, although an injury death linked to causes such as suicide, a hazardous sport or pastime, or taking alcohol, or drugs not prescribed by a registered doctor in the UK, still only gets a refund of premiums in the first year.
The maximum cash sum is £10,000, and that includes all the Over 50s policies you have with L&G. You can take out more than one plan, as long as the cash sums add up to no more than £10,000.
Premiums are due every month up to and including your 90th birthday. After that you have nothing more to pay, and you’re still covered until you die.
The plan has no cash-in value. You have 30 days from receiving your Policy Schedule to cancel and get your premiums back. After that you can still cancel at any time, but nothing is refunded and the cash sum is no longer payable.
L&G writes to remind you of missed premiums. Sainsbury’s over 50s and application pages say cover ends 60 days after a missed premium, and L&G’s terms say it can cancel the policy if a premium isn’t paid within 60 days of its due date, although one Sainsbury’s FAQ says 30 days. If the plan is cancelled, you won’t get anything back.
No. Plans are set up individually and can’t be held in joint names, but your partner can apply for their own plan if they’re also aged 50 to 80 and meet the residency rule.
Sainsbury’s says the cash sum can help your loved ones with costs such as funeral expenses, but the plans aren’t designed to meet the full cost of a funeral and don’t guarantee to. On the Increasing Plan, RPI may not keep up with future rises in funeral costs.
Nectar members can get 22,000 points (worth at least £110, according to the offer terms) on a new plan bought direct from Sainsbury’s website or by phone, added within 60 days after you’ve paid 5 months’ premiums. You need to give your Nectar number when you apply, and purchases through price comparison, cashback and voucher code sites don’t qualify.
They contact Legal & General on 0800 009 3506, by email at myclaim@landg.com or online through L&G’s Claim Portal, with the policy number if they have it and details of the person who has died.
The cash sum normally forms part of your estate, so it may be subject to Inheritance Tax. You can put the plan in trust at any time by completing a trust deed. L&G says this can keep the proceeds out of your estate, but it can’t advise you on whether to do it.
Sources
The facts on this page come from these sources.
- Sainsbury's Money — How to compare life insurance (pros and cons of the policies Sainsbury's Money offers) (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Sainsbury's Money — Over 50s Life Insurance Plan application (getting started) page (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Legal & General Assurance Society Limited (document published by Sainsbury's Money) — Over 50s Life Insurance policy summary (QGI13077, 11/2025) (opens in a new tab), documents.4rgos.it, accessed 25 September 2026.
- L&G (Legal & General) — L&G over 50s life insurance quote page introduced by Sainsbury's Money (Fixed Plan) (opens in a new tab), over50sainsburys.legalandgeneral.com, accessed 25 September 2026.
- Sainsbury's Money — Over 50s life insurance product page (Fixed and Increasing Plans), with Nectar points offer terms (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Legal & General Assurance Society Limited (document published by Sainsbury's Money) — Over 50's Life Insurance policy terms and conditions (QGI11740, 06/26) (opens in a new tab), documents.4rgos.it, accessed 25 September 2026.
- Defaqto — Defaqto Star Ratings (Life & Protection) for Sainsbury's (opens in a new tab), defaqto.com, accessed 24 September 2026.
- Fairer Finance — Fairer Finance - over 50s life insurance product ratings (Sainsbury's Over 50s Cover Fixed Plan and Increasing Plan; star ratings given as image alt text) (opens in a new tab), fairerfinance.com, accessed 25 September 2026.
- Sainsbury's Money — Life insurance FAQs (support centre) (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Sainsbury's Money (Sainsbury's Financial Services Ltd) — Sainsbury's Money - Life insurance customer support FAQ page: My Account portal and life insurance contact details table (claims phone numbers, email, opening hours) (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Legal & General Assurance Society Limited (document published by Sainsbury's Money) — L&G Wellbeing Support guide (RedArc) (1477-2 04/21) (opens in a new tab), documents.4rgos.it, accessed 25 September 2026.
- L&G (Legal & General) — L&G Care Concierge (retail protection) page, linked from the Sainsbury's Money life insurance page (opens in a new tab), care.legalandgeneral.com, accessed 25 September 2026.
- Legal & General — Underwriter Legal & General - Retail Protection claims statistics 2025 ("2025 Claims" infographic; L&G-wide figures, not Sainsbury's-only) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Legal & General Group Plc — Underwriter Legal & General - press release: L&G paid out over £1.388bn protection claims in 2025 (L&G-wide figures) (opens in a new tab), group.legalandgeneral.com, accessed 25 September 2026.
- Legal & General — Underwriter Legal & General - How do I make a claim (online claims via My Account / Claim Portal, Samaritans-trained claims team, claims phone numbers and hours) (opens in a new tab), legalandgeneral.com, accessed 25 September 2026.
- Sainsbury's Money — Life insurance customer support: how to make a claim (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Sainsbury's Money (Sainsbury's Financial Services Ltd) — Sainsbury's Money - Customer Care: complaints procedure and life insurance complaints contact (Legal & General) (opens in a new tab), money.sainsburys.co.uk, accessed 25 September 2026.
- Trustpilot — Trustpilot - Sainsbury's Money (www.sainsburysbank.co.uk) company reviews, all products (company-wide profile, not life insurance only) (opens in a new tab), uk.trustpilot.com, accessed 25 September 2026.
Related pages
-
Over 50s life insurance
Guaranteed acceptance for ages 50–85, and what to check before you buy.
-
Best life insurance
What to compare when you choose a policy.
-
Term life insurance
Cover for a set number of years, with level or decreasing cover.
