Menu

For critical illness claims call 0800 068 0789

We’re here Monday to Friday 9am ‐ 5:30pm.
Calls may be monitored and recorded. Call charges wil vary.

Making a claim will come at a difficult time for you and your family. So we’ve made the process simple. This means when making a claim, you’ll be able to talk to one of Legal & General's claims experts. They’re understanding and experienced professionals ‐ in fact they're trained by The Samaritans.

If you make a claim for a terminal illness or for a critical illness (if your policy includes this), there’s the option to receive a second medical opinion at no extra cost to your premium. This is the opportunity to have a face-to-face consultation on your condition with a Consultant Specialist. It can help provide further information on your diagnosis, insight into your proposed treatment and advice on whether any alternative treatments are available. A supporting medical report will also be sent to you and your GP. An alternative diagnosis could be used to support your claim. This new diagnosis or information will not be used to reverse an accepted claim decision.

This service is provided by Healix Health Services Ltd on behalf of Legal & General. Legal & General will pay up to £300 towards the cost of your consultation.


If it’s a critical illness claim what we’ll need from you are:

Your name

Some very basic details about your condition

Your life insurance policy number

Keep in mind that in the event of a critical illness (or terminal illness) claim we’ll pay the money to you.


Frequently Asked Questions

How much life insurance cover should I get?

You choose how much life insurance to buy. You might want your policy to pay out the value of your mortgage, or a specific lump sum for your dependants, or provide enough to cover both. To help you get an idea of how much cover you might need, take a look at our cover calculator.

What if I need to make a change to my policy?

You can make changes to our policies, like:

  • Changing the term of your policy
  • Increasing or decreasing your cover amount
  • Changing between monthly and annual premiums
  • Removing someone from a joint policy when cover is no longer required for them
  • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a registered civil partnership, or taking out a mortgage in the name of one person on the policy.

Terms and conditions apply. For more information, please read the policy terms and conditions or get in touch with us.

Can I cancel my life insurance at any time?

Yes. Just contact us if you want to cancel. Once you cancel your Direct Debit payments, your cover will stop and you’ll no longer be insured.

Can my mortgage be covered with life insurance?

This depends on the whether you take out Level or Mortgage Decreasing Term Assurance, the amount of cover you take, and the length of the policy you choose. Your choices need to be made after you consider your mortgage product, outstanding mortgage and mortgage term. If you have an interest‐only mortgage, your outstanding mortgage loan stays the same until you repay it at the end of the mortgage term. Level Term Assurance could cover this type of mortgage. If you have a repayment mortgage, Mortgage Decreasing Term Assurance may be more appropriate. The amount of cover reduces broadly in line with the decrease in your outstanding mortgage loan.

If my policy includes life and Critical Illness Cover, does that mean it could pay out twice, once when I’m diagnosed with a critical illness and then again if I die?

No, your policy can only pay out once. This would happen on diagnosis of a specified critical illness or on death during the policy term. Your policy ends once a valid claim has been made and the cash sum paid out. There is an exception to this if your claim is for carcinoma in situ of the breast treated by surgery, low‐grade prostate cancer requiring treatment, or a children’s critical illness claim. The policy will continue as normal after a pay out in one of these circumstances.

Good to know

Direct Line’s Life Insurance is provided by Legal and General