Press releases

Legal & General critical illness update improves quality of cover and reduces complexity

Legal & General has today announced the launch of an updated critical illness offering with improved cover and a simplified list of conditions that makes our critical illness products much easier for advisers and customers to understand.

29 Jul 2019

Press release (PDF 322KB)

The changes are part of Legal & General’s longer-term mission to raise awareness about critical illness cover and to continue providing competitive, quality cover as the UK’s number one life insurance provider*. The updated products will be available to intermediaries from 29th July 2019.

The new merged list of conditions makes it much easier for intermediaries to explain to their clients what conditions are covered, allowing for more straightforward protection conversations.  For example, ‘coronary artery by-pass grafts’ and ‘open heart surgery’ have been combined to ‘specified heart surgery’. The conditions covered and quality of definitions are a crucial part of whether a CI claim is successful and more simplified wording will give customers greater understanding that a future claim could be accepted.

This latest update shows that Legal & General continues to listen closely to and act upon feedback from intermediaries. During recent polling by the FTSE100 insurer, 81% of intermediaries said they would prefer similar conditions to be merged together where it makes sense.

* Swiss Re-Term & Health Watch 2018

Craig Brown, Director of Intermediary: "At Legal & General, our mission is to work together with intermediaries to ensure more people across the country are protected from the financial impact of a critical illness. That’s why we’re listening to our intermediary partners, the very people on the front line of conversations about cover, taking on board their feedback to improve our critical illness offerings."

Further information