Save money on
Legal & General life insurance

Legal and General policies via Lifesaver Direct

When applying to companies such as Friends Provident, you often pay for a consultant's time. By entering your details on this site, you will be able to bypass these costs and receive a saving in the form of a discount on the monthly premium. i.e. YOU WILL PAY A LOWER MONTHLY PREMIUM FOR THE SAME COVER.

About Legal and General

Legal & General provide financial security millions of people in the form of the pension fund they have built up over the years. They pay over £650 million in pensions each year to more than 290,000 people. In 2002 Legal & General was involved in arranging around £19.2 billion worth of mortgages through intermediaries, via its Mortgage Club, 8.8% of the UK mortgage market. Their investment management business provides fund management expertise to Legal & General's Retail and Corporate businesses, as well as to trustees of pension schemes and other institutional clients. Total funds under management worldwide were in excess of £124 billion as at 30 June 2003, of which more than 60% were held for external clients

Facts about Legal & General

• Legal & General is one of Britain's top 50 FTSE companies
• They have over 4.5 million customers and employ over 8,800 staff
• Legal & General is involved in 1 in every 10 housing transactions in the UK (12 months to December 2002)
• Legal & General has funds under management in excess of £124 billion worldwide as at 30 June 2003.
• They also have operations in the USA, France, the Netherlands and Germany, as well as the UK

Save money on life assurance

Premium rates have come down as a result of

Save money on mortgages

Mortgage rates have improved as a result of:

General explanation

Why you can save money on life assurance and critical illness

Over the course of the last 18 months to 2years protection costs, have in many cases been decreasing. It has however recently been announced that providers will be increasing the cost very shortly. The market has never been more competitive and you may never have a better opportunity to save money by taking advantage of low cost life assurance and critical illness cover.

There are a number of factors to consider:

The new plan will need to be underwritten and could be offered on different terms or rejected if your state of health is different to when you originally took out the plan. If you do elect to take this offer you must ensure that the new plan is acceptable and in force before you stop the original.

You may wish to consider your level of cover as it may no longer be suitable, will it suffice? If you feel a review would be beneficial we can help you with this.

Mortgage protection plans are usually used in conjunction with repayment mortgages to protect against death and/or critical illness. The cover is designed to reduce in line with the outstanding mortgage loan.

Life insurance cover is designed to pay out a lump sum should you die during the term of the policy. This is usually on a level basis, meaning that the sum assured does not reduce. Critical illness cover may also be included in the plan.

For an additional cost, critical illness cover can be added to the life cover or mortgage protection plans. It provides cover if you are diagnosed with a critical illness such as cancer, stroke, heart attack, loss of hearing, and numerous others.

A full explanation of the policy will be shown in the key features document.

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