When you apply for the Sainsbury's Over 50s Life insurance plan you won't be asked to have any medical assessments.

Once this policy starts we will send you a notice of your right to cancel. If you cancel this policy within 30 days of receiving the notice, we will refund any premiums paid. If you cancel this policy after 30 days of receiving the notice, we will not refund any premiums paid.

Read more about Over 50s Life insurance plans.

If you are aged 50 to 80 and a UK resident for at least 183 days per year, you're guaranteed to be accepted for the Over 50s Life insurance plan. Read more about Over 50s Life insurance plans.

No, the plan has no cash in value unless a valid claim is made, so you will get nothing back if you decide to cancel the plan after the first 30 days of applying. Read more about Over 50s Life insurance plans.

Your partner can also apply for the plan providing they are aged 50 to 80 and a UK resident for at least 183 days per year. However, as the plans are set up individually, they cannot be held in joint names. Read more about Over 50s Life insurance plans.

When the time comes, a claim can be made in writing or over the telephone. Read more about the claims process.

Please call L&G’s UK based call centre:

0800 137 101
9:00am to 5:30pm Monday to Friday

L&G may record and monitor calls. Calls are free from a landline only.

If you are an Independent Financial Adviser or Solicitor calling on behalf of a client, please call L&G on 01273 824 665

If calling from abroad:

0044 1273 824 665
Calls are charged at the prevailing international rate

If you would prefer to contact L&G by mail or email, please use the addresses below:

Claims Department
L&G Assurance Society Limited
City Park
The Droveway
Hove
East Sussex
BN3 7PY 

life.claims@landg.com

When making a claim, it is helpful to have the following documentation:

• An original death certificate -  or details of the circumstance of the death
• The policy number (if you don’t have this, we can still help)

If you do not have the original policy document L&G’s advisers will be able to discuss the additional procedure for making a claim.

L&G’s claims team may require additional information from you, but this will be explained to you over the telephone.

If you're taking out a policy, it could help speed up the claims process if you tell your loved ones about the policy and where you keep the original policy schedule.

L&G will deal with the claim as quickly as they can. However, sometimes they need to refer to third parties and this can cause a delay. If L&G know of any delays they will tell your representative when to expect a response. But, their friendly staff will talk your representative through the next steps, and are always on hand to answer any questions they may have in the meantime.