Legal & General’s retail protection business has simplified its life and critical illness policy documents in a bid to make them easier for customers to understand and help advisers to explain cover details more effectively.
The move, in response to adviser and customer feedback, means customers will now receive a new policy schedule and terms and conditions document in their welcome pack. These will aim to provide a clearer overview of key policy details.
The new policy schedule document provides customers with a summary of their cover in one place, explaining who is protected, the cover amount, premiums, important dates, and any benefits or exclusions.
An updated terms and conditions document also features an introduction page, outlining the policy’s benefits, a contents page, guides on cover options and product combinations, and signposting throughout.
While these changes apply to life and critical illness products, including relevant life plan, business protection, family and personal income plans, and rental protection plans, no changes have been made to the product definitions or features offered.
The provider added these updates are part of its ongoing improvements to support customers and advisers. In January 2026, L&G’s retail protection business made a series of underwriting changes in a bid to simplify the application process.
Pippa Keefe, commercial director, retail protection at L&G: “We have simplified our policy documents to make it easier for life and critical illness customers to understand their cover, and to help advisers clearly explain key policy details to clients, better supporting them on their protection journey.
“These improvements reflect our ongoing commitment to listening to and actioning adviser and customer feedback.”
