Who we are

About Legal & General Retail

Legal & General Retail covers the savings, protection, mortgage and retirement needs of about 12 million retail policyholders and workplace members. We’re a UK market leader in life insurance, workplace pensions and retirement income.

The retirement side of our business helps our customers lead more colourful later lives. In 2021, we wrote £957 million of annuity premiums to just under half a million people. Almost 100,000 people benefited from £848 million of Lifetime and Retirement Interest Only mortgages. And we helped over 4.4 million Workplace Savings policyholders save for retirement.

Our protection businesses help people plan for the unexpected. They give peace of mind to about 6.3 million UK Life Insurance customers, over 1.8 million employees in Group Protection schemes and around 1.3 million US Term Life Insurance customers. We paid £2.1bn of protection claims during 2021.

Our Mortgage Club is the UK’s largest and longest-running mortgage club. Since 1995, we’ve completed £667 billion of mortgages.  We’re now involved in nearly one in five of all UK mortgages and one in three of all intermediated ones. Our award-winning Surveying Services team and their partner firms help on average 150,000 homebuyers a year with surveys and valuations.

Operationally we’re a centre of technology excellence. We’ve made strategic investments in a range of fast-growing fintech businesses. We’re also working closely with other Legal & General divisions to drive further tech synergies. That’s helped us maintain our excellent customer service, competitive market positions and business growth through the pandemic and beyond.

What we do

Retirement and savings

Retirement Solutions: We offer a holistic solution across the whole retirement savings and income journey, working both directly with customers and through a wide range of employers.

Home Finance: Since 2015, we’ve helped people over 55 enjoy a more colourful retirement with our Lifetime and Retirement Interest Only Mortgages.

Financial Advice: Legal & General Financial Advice opened in 2019. Through it we offer advice on our range of later life mortgages and lending products, helping people find the right retirement lending.


UK Retail Protection: We’ve sold Life Cover since 1836 and are the UK’s number one individual life insurance provider. We also offer Critical Illness and Income Protection Cover.

UK Group Protection: We offer Group Life, Group Critical Illness and Group Income Protection for companies ranging from 10 person SMEs to corporates employing thousands.

US Protection: Our US companies, Banner Life Insurance Company and William Penn Life insurance Company, have been protecting Americans for more than 70 years.

Mortgage Services

Mortgage Club: We work with new and existing lenders to deliver great products, pricing and criteria, alongside affordability calculator SmartrFit, partner network SmartRefer and other tools.

Surveying Services:  We offer a Digital Home Survey, plus Home Surveys Level 2 and 3. In 2021, What Mortgage Awards judged us “Best Surveying Service” and YourMortgage “Best Surveyor”.


Financial services: We make targeted investments in start-ups and scale-ups like financial wellbeing specialists SalaryFinance, insurance comparers theidol.com and mortgage experts Smartr365.

Health: Health and Care helps customers understand, find and fund care through our Care Concierge online platform and phone support service.

Our people