Make a Life Insurance claim

Our life insurance policies are provided and managed by our trusted partners, Legal & General.

If you need to make a claim it can be a stressful and worrying time. Legal & General want to help you by providing a stress-free claims process. Your claim will be handled sensitively by one of their experienced case handlers.

Life Insurance claims, step-by-step

1: Contact Legal & General

You’ll need to give them:

  • The policy number
  • The name of the person who has died
  • The cause, date and place of death (if known)
  • Your name and relationship to the person who has died
  • The name of the legal next of kin (if known)

2: Claims assessed

Your case handler will let you know if they need any further information or documents. In most cases, you’ll need to send the death certificate.

Depending on the type of policy and the circumstances of the death they may need to:

  • Request information from the doctor or coroner
  • Request legal documents

3: Payouts

Full payments for valid claims are made within 3 days.

Ways to contact Legal & General

Over the phone

Call charges will vary.

Monday to Friday, 9am to 5.30pm.
Closed Saturdays, Sundays and bank holidays.

UK: 0800 137 101
Abroad: +44 1273 374 665

In writing

Legal & General Claims Department
City Park
The Droveway
East Sussex


For your security, do not include any personal, financial or banking details.

Note: You can only make a waiver of premium claim if you chose to add it to your policy when you originally applied.

Waiver of Premium may cover your monthly payments, after 26 weeks if you can’t work due to sickness or injury. Let Legal & General know if you think you’ll need to make a claim. The earlier you tell them, the more they can help.

You’ll need to give them:

  • Your policy number.
  • Details of the reason you've been unable to work.
  • How long you've been unable to work.


Call as soon as possible, and Legal & General will talk you through the next steps.

Monday to Friday, 9am to 5.30pm

UK: 0800 068 0789
Abroad: +44 1273 374 414