Bereavement

In the unfortunate event that COVID-19 leads to a claim, we’ll approach this as we normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that may apply to your policy.

Critical Illness Cover

COVID-19 isn’t a specified critical illness under the terms of our policy. In the unfortunate event that you were to develop a critical illness that we cover as a result of Coronavirus, we would approach this claim in the same way as we would usually. For more details of your policy please refer to your policy documents.

If you or your representatives need to make a claim, please write to Legal & General at:

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

You can also call Legal & General’s claims department on 0800 068 0789. Lines are open between 9 and 5 Monday to Friday. Legal & General may record and monitor calls
When Legal & General are told about a claim, they will send you or your representative a claim form to complete and return.
To make a valid life or critical illness claim Legal & General will ask for supporting evidence. For Legal & General to pay out on a critical illness claim, the illness you have must be one of the illnesses covered by your plan and meet the definition of the illness. All diagnosis and medical opinions must be from a medical specialist:
• who holds an appointment as a consultant at a UK hospital; and
• whose specialism we reasonably consider is appropriate to the cause of the claim.
If a claim is made under Terminal Illness Cover, then you must be terminally ill as described below:
Legal & General will pay a claim for Terminal Illness Cover if you are diagnosed as being terminally ill, and in the opinion of your hospital consultant and Legal & General’s Medical Officer, the illness is expected to lead to death within 12 months.

If you claim under the definitions above the policy will pay out a benefit of 25% of the amount of cover or £25,000, whichever is lower. This benefit is in addition to your main amount of cover so your cover will not end after this payment is made. Your cover and monthly premium will continue as normal.

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

Please call Legal & General’s UK based call centre:

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

Legal & General 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 Legal & General 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 Legal & General by mail or email, please use the addresses below:

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

life.claims@landg.com

Legal & General 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 Legal & General 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.

These benefits are paid in addition to your main policy so your cover will not end after you receive your pay out. Your cover and monthly premium will continue as normal.

Yes. You are eligible for Over 50s life insurance from Sainsbury's Money if you are between the age of 50 and 80, are a UK resident and have lived in the UK for 183 days in the last tax year.

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.

Life insurance, also called term assurance, is a simple way to help financially protect your family in the event of your death. If you die during the term of your life insurance policy, or you’re diagnosed with a terminal illness that you’re eligible to claim for, a lump sum could be paid. Terminal Illness Cover could pay out the full amount of cover when life expectancy is less than 12 months.

Life Insurance is designed to pay out a cash sum if you die during your policy term. Your monthly payments and the fixed lump sum won’t change over time (unless you make changes to your policy).

Two types of life insurance are available: Life Insurance and Decreasing Life Insurance.
Life insurance could pay out a cash sum if you die during your policy term. Your monthly payments and the cash sum won’t change over time (unless you change your policy). This could be used to help pay off an interest only mortgage or to help protect your loved ones financially.
Decreasing life insurance is designed to help protect a repayment mortgage. Your monthly payments will stay the same but the amount you’re covered for – and any potential pay-out – will decrease over the term of your policy, roughly in line with the way a repayment mortgage decreases.

If you’re not sure which type of life insurance policy would suit you best, please speak to a financial advisor.

To add critical illness cover to your life insurance policy, you must be a UK resident aged 18 to 67. The policy must end before your 70th birthday. You can apply for a policy that covers just you, or you plus another person. If two people are covered by the policy, it will only pay out once. This is because cover ends once a valid claim has been made and the full cash sum has been paid.

After we have received your application, you have 30 days to change your mind. A Cancellation Notice will be sent once the plan has started confirming your right to cancel. If you cancel your policy after the cancellation period, or stop paying premiums at any time, your cover will end 30 days after the first missed premium and you won't get any money back. You can cancel your plan after the 30 day period by writing to us. Read more about Over 50s Life Insurance Plans.

We appreciate during this difficult period many people are looking for ways to reduce their monthly expenses. However, before cancelling you may want to consider the reasons you took out the policy in the first place, perhaps to look after your loved ones if you were no longer able to do that for them, to pay off your mortgage or provide an income if you got a critical illness or were unable to work.

We would advise you to contact us to discuss your situation before cancelling. You can reinstate your policy after 60 days, however we would advise you to contact us to discuss your situation.

After the 60 day grace period you may need to answer some health and lifestyle questions (called a Declaration of Health), plus you’ll need to repay any missed premiums and reinstate a payment method.

Your policy may be cancelled 90 days after your first missed premium. If this is the case you’ll need to apply for a new policy. The underwriting process will include disclosure of any new lifestyle or medical issues that may have occurred since you took out your original policy.

Please note, life insurance typically gets more expensive as you get older or if your circumstances change, therefore you may end up paying more for a new policy.

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.

Yes. You can have multiple over 50s life insurance policies, as long as your total cash sum does not exceed £10,000. If your policy was taken out before 2017, check your policy documents to confirm your total cash sum.

No, your policy will only pay out once, either on diagnosis of a specified critical illness or on death during the policy term. Your policy ends once a valid claim has been made and a cash sum paid out. However, if your claim is for carcinoma in situ of the breast treated by surgery, low grade prostate cancer requiring treatment or a children's critical illness claim, the policy will continue as normal.

Decreasing Life Insurance is an insurance policy where the amount you’re insured for decreases over time. It’s generally cheaper than life insurance because your monthly premium is fixed but the sum you’re insured for decreases roughly in line with the way a repayment mortgage reduces. Your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of cover is adjusted to match any new mortgage arrangements. For Decreasing Life Insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.

Critical Illness Cover can be added to your policy at an additional cost, it pays out if you are diagnosed with one of 41 different conditions including some forms of cancer, heart attack and stroke. For more information please refer to the Key Features Document. Terminal illness cover is included at no extra charge on all of Legal & General's life insurance policies with a duration of 2 years or more. You can claim under the terminal illness cover definition if in the opinion of your hospital consultant and Legal & General's Medical Officer, your life expectancy is 12 months or less.

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

You may be able to increase your cover without the need for any further medical information on certain life events. This is subject to certain conditions as detailed in the Policy Booklet.

Decreasing life insurance is designed to help protect a repayment mortgage. As you pay off more of your mortgage over time, your amount of cover reduces – roughly in line with it.

A 'joint' life insurance policy covers two lives, on a 'first death' basis. This means the chosen amount of cover is paid out if the first person dies, during the length of the policy, after which the policy would end. A joint life insurance policy only pays out once and would leave the surviving person without any life insurance. If there are two single life policies, if the first one dies, the surviving person still has their own cover. Terms and conditions apply, please refer to the Policy Booklet.

No – your joint policy will end when one of the two people covered passes away or becomes eligible for terminal illness cover (whichever happens first). At this time a final pay-out is made and no further benefits will be payable. Terminal Illness Cover could pay out the full amount of cover on diagnosis of a terminal illness when life expectancy is less than 12 months.

Yes, a trust is a simple legal arrangement that allows you (the settlor) to gift your life insurance policy to someone else (the beneficiary). Setting up a trust means that you as the settlor appoint additional trustees (as the settlor you are automatically a trustee). The trustees become the legal owners of the policy and look after it for the benefit of your beneficiaries. If you are in need of assistance in setting up a trust, please contact your financial or legal adviser.

General life insurance policies are set up to cover you for a period of time (for example 20 years) and will only pay out on death if it occurs within that period. Whereas an over 50s life insurance policy covers you for the rest of your life and pays out when you die, regardless of when that is.

Certain long-term illnesses and severe conditions are considered critical illnesses. These can include cancer, heart attacks and strokes. The extent of the illnesses that are covered under critical illness insurance depends on your life insurance policy. See full L&G list.

Yes, critical illness cover for your children is included at no extra cost. All your children, step-children and legally adopted children aged from 30 days to 18 years old are covered, this also includes children up to 21 if they're in full time education. Your policy also covers any children born or legally adopted during the term of the policy. The maximum individual claim is £25,000 or 50% of your chosen amount of cover, whichever is lower. A maximum of two claims can be paid under children's critical illness cover, after this the benefit will end. However, your policy will not be impacted by children's critical illness claims and would continue to provide cover. For more information, please refer to the Key Features Document.

Sometimes Legal & General will ask for more information before they can make a decision about your application. While they assess this information, they’ll provide you with free accidental death benefit so that you’re covered in the event of accidental death. Some terms and conditions apply, please see the Policy Summary document.

Yes, you can get decreasing life insurance online. Get a quote with Sainsbury’s Money to find out how much your premium could be today. We’ll need a few details from you, including how much cover you need as well as how much you’re able to pay each month. Then we’ll do the rest.

Level term means the amount you are insured for remains the same throughout the term of your policy unless you exercise a guaranteed insurability option.

Critical Illness Cover is additional cover that you can add when you take out life cover. It’s designed to help protect you financially in the event if you are diagnosed with or undergo a medical procedure for one of L&G's specified critical illnesses during the length of your policy and you survive for 14 days from diagnosis. If you choose to add Critical Illness Cover, Children's Critical Illness Cover is automatically included at no extra cost. Terms and conditions apply.

The level of cover you choose is up to you. If you’re not sure how much cover you’ll need then you can use our life insurance calculator to get a better idea.

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.

Terminal illness cover is included in your policy at no extra charge. It’s designed to cover you if you are diagnosed as terminally ill during the term of your policy. You’re considered as terminally ill if your hospital consultant and L&G's medical officer agree that the illness is expected to lead to death within 12 months. A claim can't be made for terminal illness after your death or if the length of your policy is less than two years.

A complete list of the critical illnesses covered is below. Medical terms have been used to describe the conditions and in some cases your insurance will be limited e.g. some types of cancer aren’t covered.
In most cases, you’ll be covered if your condition results in permanent symptoms or certain types of surgery. For the exact criteria your condition needs to meet for you to make a claim, please read the Guide to Critical Illness Cover.
• Alzheimer’s disease – resulting in permanent symptoms
• Aorta graft surgery – requiring surgical replacement
• Aplastic anaemia – with permanent bone marrow failure
• Bacterial meningitis – resulting in permanent symptoms
• Benign brain tumour – resulting in either surgical removal or permanent symptoms
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases
• Cardiac arrest – with insertion of a defibrillator
• Cardiomyopathy – of specified severity
• Coma – with associated permanent symptoms
• Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotomy
• Creutzfeldt-Jakob disease – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Dementia – resulting in permanent symptoms
• Encephalitis – resulting in permanent symptoms
• Heart attack – of specified severity
• Heart valve replacement or repair – with surgery
• HIV Infection – caught from a blood transfusion, physical assault or accident at work
• Kidney failure – requiring permanent dialysis
• Liver failure – of advanced stage
• Loss of hand or foot – permanent physical severance
• Loss of speech – total permanent and irreversible
• Major organ transplant – from another donor
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – where there have been symptoms
• Multiple system atrophy – resulting in permanent symptoms
• Open heart surgery – with median sternotomy
• Paralysis of a limb – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Primary pulmonary hypertension – of specified severity
• Progressive supranuclear palsy – resulting in permanent symptoms
• Removal of an eyeball – due to injury or disease
• Respiratory failure – of advanced stage
• Spinal stroke – resulting in symptoms lasting at least 24 hours
• Stroke – resulting in symptoms lasting at least 24 hours
• Systemic lupus erythematosus – with severe complications
• Third degree burns – covering 20% of the surface area of the body or 20% of the face or head
• Total and permanent disability – of specified severity
• Traumatic brain injury – resulting in permanent symptoms

Cover will stop when the decreasing term life insurance policy ends. No further premiums will be payable after this.
You’re covered from the policy start date until the policy expiry date, unless one of the following occurs first:
• The amount of cover is paid out, or
• The policy is cancelled by you or us.

Mortgage term insurance (mortgage life cover) offers you reassurance that in the event of your death, or diagnosis of a terminal illness, there will be help paying off the mortgage. It is not connected to the mortgage itself or the repayments you make on it. You will pay a fixed monthly premium for the term (length of time) you have chosen.

To make use of over 50s life insurance, you have to be over the age of 50. You will be required to pay a fixed sum every month, which will guarantee a cash payout when you pass away. This money is given to your family and can help towards funeral costs or anything else that may provide support should the worst happen.

With Sainsbury's critical illness cover you will be covered for 41 conditions that could affect your life and work – that's 17 more than the Association of British Insurers guidelines. Cancer, heart attack and stroke are a few of the illnesses covered. However, because of medical advances, not all types will have a severe impact on your lifestyle and not all will be covered by your policy. For example, a cancer needs to have spread or reached a specified severity to be covered under the policy.

Mortgage decreasing term insurance is where the amount you are insured for decreases over time. Since your monthly premium is fixed but the sum you are insured for decreases roughly in line with your repayment mortgage amount, it's generally cheaper than mortgage term insurance. In some circumstances, the lump sum paid out may not be enough to pay off your repayment mortgage in full, for example if your mortgage interest rate averages over 10% during the term of the plan.

Your premiums are based on a lot of things including your age, occupation, medical history, whether or not you smoke, cover level, length of cover and the type of contract that you choose. For example, the older you are, the higher your premium will be.

As the amount of cover decreases over time, decreasing life insurance cover may work out cheaper than other regular term life insurance options. However, this isn’t always the case. Get a quote today to find out which life insurance option is best for you.

As your weight during pregnancy is not a true reflection of your normal weight, when asked, please state what your weight was immediately before pregnancy.

Premiums start from £5 a month. Your level of cover will depend on your circumstances and the premium you choose to pay. If you’re interested in taking out life insurance then you can get a quote today.

Your life and critical illness policy can cover you for a duration of 2 to 40 years, up to the age of 70.

Have you used any tobacco products within the past 12 months?
It is important that you answer the question truthfully. Please answer ’Yes‘ even if you consider yourself to be a social smoker (e.g. only during evenings out or weekends). This includes cigarettes, pipes, cigars or other tobacco products such as nicotine patches.

What is your average weekly consumption of alcohol?
Answer this question based on your current level of alcohol consumption, even if this has changed recently. Later in the application you will be asked if your level of alcohol consumption has changed over the previous 5 years and whether you've been medically advised to reduce your level of alcohol consumption.

Critical Illness Cover is an optional extra that you can add to your life insurance policy when you take out cover. Premiums depend on your individual circumstances.

If you are finding it hard to pay your premiums we would always advise you to contact us to discuss your options.

Our grace period means that if you were to miss or cancel a payment, you’ll remain covered by your policy for 60 days from the date of your first missed premium (this is the day your payment would have been collected).

If you restart your regular payments and pay your missing premiums within your 60 day grace period, there will be no change to your cover or usual premiums. We won’t ask you any health or lifestyle questions, and there’s nothing else you need to do.

No, if you reinstate your payments and pay any outstanding arrear before the end of your 60 day grace, your premium amount will remain the same and no further medical or lifestyle questions will be asked.

When you reinstate your payment method you will be given the choice to either include the arrears amount in your first Direct Debit instalment, or pay the arrears amount via Debit or Credit card.

You can arrange this via My Account or via phone.

If you're concerned about the possibility of being unable to pay your premiums due to not being able to work for 26 weeks or more, you should consider Waiver of Premium option at the outset for an additional cost. If you choose to take out this option on your life insurance or mortgage insurance, your premium will be waived after 26 weeks as a result of incapacity due to illness or accident. Terms and conditions apply. Please refer to the Key Features Document for further information.

No, all customers are limited to one period of grace in any given year. Please call us to discuss your situation if you are finding it difficult to arrange payment.

If a claim is being made within 60 days of the first missed premium, we’ll assess and pay any valid claim (subject to the policy’s normal terms and conditions, minus any outstanding amount owed on the policy).

The guaranteed insurability option allows you to increase the amount of cover when specific life changes occur. No further medical evidence or health assessments are required. If you want to increase the amount of cover using one of the options above it’s likely that an additional medical assessment will have to take place, this can be done at any time during your policy. If your cover changes, your premium will change.

You can apply to change your cover to suit your circumstances by:
• Changing the duration of your policy
• Increasing or decreasing the amount of cover
• Changing between monthly or annual premiums
• Removing a person from a joint policy where cover is no longer required for that person
• Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a civil partnership, or taking out a mortgage in the name of one person on the policy. Terms and conditions apply

In order to make a claim Legal & General require the following documentation:
• An original death certificate
• The original policy schedule
If you do not have the original policy document Legal & General’s advisers will be able to discuss the additional procedure for making a claim.
Legal & General’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.

Please access the following link -
https://myaccount.landg.com/registration
• View, download or print existing or historical policy documents. – only for policies after June 2016. But documents can be requested via the Secure Messaging Centre
• Send and receive a secure message
• Change all customer contact data such as names / addresses / telephone numbers / email addresses
• Set-up and update bank direct debit details and change the collection date
• Cancel a policy within the initial cooling off period
• Live chat during office hours and access to a support centre with frequently asked questions
• Register a complaint through the Secure Messaging Centre

My Accounts online portal
• View, download or print existing or historical policy documents – only for policies after June 2016. But documents can be requested via the Secure Messaging Centre
• Send and receive a secure message
• Change all customer contact data such as names / addresses / telephone numbers / email addresses
• Set-up and update bank direct debit details and change the collection date
• Cancel a policy within the initial cooling off period
• Live chat during office hours and access to a support centre with frequently asked questions
• Register a complaint through the Secure Messaging Centre

Please navigate to our Contact us page here for more information and contact details.