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Legal and General


Legal & General’s goal is simple – they want to protect as many people as possible from life’s unexpected events

At Legal & General everything they do starts with you, the intermediary. They listen and learn and design products and services so they can deliver more for you, and you can deliver more for your clients. Just like you’re there for your clients, Legal & General are here for you.

  • Designing quality products for all your client’s needs
  • Supporting you whenever you need it
  • Offering insights and expertise to help you continue to grow and prosper
  • Create brighter financial futures


Designed to help protect your clients and their families, L&G’s range of products help protect the things that matter most.

Life Insurance
Critical Illness Cover
Income Protection Benefit
Rental Protection Plan
Business Protection

What is Umbrella Benefits?

It’s our package of four added-value services and optional benefits that are ready to help protect against the unexpected – like carrying a brolly in case of rain.

Wellbeing Support – Gives your clients access to a registered nurse from RedArc Assured Limited, for personalised help at the end of the phone. Some of the situations that nurses can support with include menopause, mental health support, recovery from illness or injury and financial support.

Access is included as standard across all protection products. 

Rehabilitation Support Service- It gives your clients access to our in-house team of specialist healthcare professionals, who’ll support their quicker return to health and work.

Included as standard across income protection products.

Private Diagnostics*- A blend of virtual consultations and in-person testing appointments, your clients get swift access to some of the UK’s top consultants for non-invasive diagnostic testing for cancer, cardiac or neurosurgical referrals.

Available at an additional cost of £4.50 a month.

Fracture Cover*- If your clients have an accident and sustain one of the 31 specified injuries, they can make a claim to receive a cash sum. The pay-out could help meet some of the extra bills associated with the injury.

Available at an additional cost of £5.90 a month.

To find out more about Umbrella Benefits, and what is and isn’t covered, visit our Umbrella Benefits web page.

Care Concierge

Care Concierge is designed for customers who are in need of support when it comes to navigating the UK Care system, this could be because they have elderly relatives who are becoming less independent or loved ones who are facing a disability or degenerative condition. We are adding this service onto our retail protection products to support our customers who may be in this position now or in the future, this service is suitable for the overall Target Market for each of our products. Adding this service does not alter the target market of any of our products nor does it change the fair value assessment of our products.

The UK’s care system is complex, fragmented, and underfunded.

In 2021 Legal & General took steps to address the later life care challenge and launched the L&G Care Service, helping people to understand, find and fund later life care.

Designed for customers who face caring responsibilities, the core principles of the service are to support consumers at a time of crisis and connect them to expert guidance related to providing care for another person through a telephone support helpline and digital platform.

Within L&G Retail protection, we are looking to offer this service to New Customers purchasing a retail protection product from the launch date.
The service will be available across all products, for customers and their family to utilise if and when they need it.

• Life Insurance
• Critical illness
• Income Protection
• Whole of Life Insurance
• Guaranteed Over 50’s
• Relevant Life Insurance

This service can be used by the life assured and their family, including their partner, children and parents. The Freephone helpline will be available Monday – Friday 9am to 5pm

For more information click here.

Our Research

State of the Nation

The report gathers insights from small and medium size businesses about the potential risks they may face, their awareness of risks, and how they as a business could mitigate them.

Key findings:

  • 75% of businesses have some form of business dept
  • 59%  would cease trading within 12 months of losing a key person
  • 73% of businesses had taken out Business Protection following advice

View the full report and infographic here

Deadline to Breadline

Did you know the average working household is only 19 days from the breadline? That’s a 21% decrease since April 2020 in the length of time they’d be able to cover basic living costs.

Key findings

  • How long it would take someone to reach the ‘breadline’ if they lost their income
  • What’s preventing your clients from engaging with their financial plans
  • How client buying behaviours are changing in response to the cost of living crisis

Download the report

The secrets of protection success

Learn the secrets of protection success from advisers, for advisers. Are you ready to become a top protection seller? Our latest research, The Secrets of Protection Success, shares the winning formula used by some of the industry’s top protection advisers, designed to help you achieve better outcomes

Download the report

Get in touch with us today.

Interested in TMA’s Protection offering? Contact us for a discussion…