How to make a claim
Over 50s Life Insurance is provided by Legal & General.
When your policy is in place, what matters most is that it will pay out in the event of your death and your family will have the support they need. That’s why you should think about telling your intended beneficiaries that this policy has been purchased – in case a claim needs to be made.
What’s more, with our cover your family will be able to speak directly to one of Legal & General’s UK-based claims teams. Simply call us and everything will be taken care of by our friendly, experienced staff. The Samaritans train our people so that they’re always ready to provide you with quality service.
How can your family make a claim when you die?
We know that this will be a difficult time for your family. To make it easier for them, we recognise the need for a simple and straightforward process when making a claim.
When your family needs to make a claim they can call our UK-based claims team on: 0800 137 101. Lines are open 9:00am to 5:30pm Monday to Friday. To maintain a quality service we may record and monitor calls.
If your family is calling from abroad, they need to call on: 0044 1273 374 665. Remember calls are charged at the prevailing international rate.
Or they could also contact us by mail or email at:
Legal & General Assurance Society Limited
Documents you need in the event of an Over 50s Life Insurance claim
In order to make a claim we require the following documentation:
- A death certificate
- The original policy document
- Date of death and contact details
Missing the original policy document? Our staff will be able to discuss the additional procedure for making a claim with your representatives.
More information needed to help process a claim? Again, our claims staff will contact your representatives.
Things you need to know:
- A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
- Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
- After your 90th birthday you will stop paying premiums but your cover will continue.
- If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
- This is not a savings or investment product and has no cash value until a valid claim is made.
- Inflation will reduce the buying power of your cash sum in the future.