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Legal and General relaunches and improves income protection policy

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Legal & General has launched its new and improved Income Protection Benefit Plan. It has removed the 'any' occupation definition altogether and guaranteeing that all policyholders get an 'own' occupation definition. This will be more consumer-friendly.


Other product enhancements include:

  • Increased maximum benefit from £120,000 to £200,000

  • Increased expiry age from 65 to 70

  • New guaranteed insurability options to make it easier for people to increase their cover in line with their earnings

  • Removal of all exclusions except for drugs and alcohol


Legal & General paid 90.4% of income protection claims in 2008.


Bernie Hickman, managing director for protection at Legal & General, said: "We're offering advisers and their clients flexibility and value for money with a Defaqto five star income protection product and a full menu proposition. This will be more consumer-friendly and make it easier for advisers to market these plans to their clients."


Income protection insurance: News update: 3 February 2010


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