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Legal and General: Critical Illness reviews

Name: Critical Illness
Rating: 3.89 (9 reviews)

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3.17

Based on 9 reviews, last reviewed 13th Aug 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

56%

22%

3 star

2 star

22%

Latest highest rating:

5

I rang a few months ago to clarify what constitutes... I rang a few months ago to clarify what constitutes to critical illness and they were great at clarifying that and generally very helpful. Reviewed on: 13th October 2024

Latest lowest rating:

1

NOT THE CARING COMPANY IT PRETENDS TO BE L&G are definitely not the caring organisation they hold themselves up to be. This organisation left me on verge of taking my own life. Was receiving ... Read more Reviewed on: 13th August 2025

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Legal and General critical illness reviews from our Smart Money People can help you to find out more about Legal and General before you choose to buy a policy with them. If you have experience of using this company, you too can write an Legal and General critical illness review. Together, we can help to increase trust and transparency in financial services.

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Legal and General Critical Illness reviews (9)

NOT THE CARING COMPANY IT PRETENDS TO BE

L&G are definitely not the caring organisation they hold themselves up to be. This organisation left me on verge of taking my own life. Was receiving income protection payments, due to long-term serious health issues. A GP who I'd never even heard of, let alone spoken to, produced a totally unlawful report, sending it to L&G without my consent. This is a separate issue which I’m also having to deal with at a high level. It clearly opened an unexpected pathway for L&G to cut costs, and they duly obliged. Despite GP report being unlawful, sent without my consent, L&G chose a type of ‘plausible deniability' in terms of ‘turning a blind eye' to these facts. L&G then sent one of most deplorable, dreadful VCS ‘specialists' to complete most partisan assessment at my home. This ‘specialist’ produced most dishonest, contradictory, inconsistent report, therefore enabling L&G to end my much-needed payments, despite my own GP (who had ALWAYS produced requested reports for L&G over a 10-year period) being totally unaware that L&G had even requested a report. L&G had to later admit to two instances of dishonesty within VCS report, although there were numerous other examples which they didn’t admit to. L&G then, following my appeal (which included a large amount of medical evidence and an up-to-date report from my own GP, confirming my overwhelming unfitness to work), employed a third party (Symbios Health) to carry out an OH assessment. Without exaggeration, this OH assessment, completed by Dr Oli Cooper, was by far the worst, most traumatic, upsetting, inappropriate assessment of its kind that I’ve ever undergone and, given that my health issues have existed for almost 20 years, I’ve gone through dozens of them via various official organisations. Clear and obvious that L&G had utilised Dr Cooper and Symbios Health to ‘rubberstamp’ decision. I took note of everything which occurred during horrific assessment, even raising it with L&G prior to any final report being issued, therefore ensuring that L&G couldn’t allege that I was only doing so because of bitterness over any report. L&G couldn’t have cared less. To highlight L&G’s despicable conduct, they sent the OH report, which they undoubtedly knew that I totally disagreed with, to same GP Surgery where all of this began, without my consent. Under medical consent and reporting laws, this is strictly forbidden. They sent report blindly, without any covering letter, which is again not allowed. Only discovered that L&G had done this because had to submit a SAR request. This latest discovery has been condemned by Ombudsman in my favour. I’ve since moved GP Surgeries. L&G, unbelievably, tried to justify decision to send dreadful report, insisting (laughably) that they did so “for the benefit of my health", despite it being done without consent, and with inevitable enormous risk that it would end up in hands of GP who began my nightmare, as he’s a Practice Partner. There are so many other disgusting elements to my case, too many to discuss in this review. But, overall takeaway from this is that L&G are absolutely anything but a caring, decent organisation. L&G’s conduct and behaviour has been so callous, cruel, and underhand, it beggars belief. The ignorance and arrogance L&G have displayed is staggering. Don’t be fooled by the name and history. L&G are one of the worst organisations to be dealing with patients, or people with health issues related to employment. I would urge everyone whom has no alternative but to be associated with L&G through their employer to be fully on guard, do your research, make sure that you know your rights for any worst case scenario, have a healthy distrust of the organisation, and always ensure that your own GP produces any requested reports L&G ask for, even if that means contacting your GP Surgery every single day. L&G are a very devious organisation. Let my harrowing review be a lesson in preparation. Thank you for taking the time to read my comments. Reviewed on: 13th August 2025

I rang a few months ago to clarify what constitutes...

I rang a few months ago to clarify what constitutes to critical illness and they were great at clarifying that and generally very helpful. Reviewed on: 13th October 2024

Friendly and helpful

Recently contacted with a query re my policy; couldn’t fault speed or efficiency and friendliness of the customer service. Reviewed on: 23rd August 2024

The application process is easy!

The application process is easy and straight-forward. Many months later I’ve rang about confirmation of what my insurance includes and I was reassured and explained to in detail. Reviewed on: 23rd August 2024

Great cover for reasonable price

Knowledgeable/expert advice, easy to understand, comprehensive cover that meets our needs at a reasonable price Reviewed on: 3rd June 2023

Great!

I have just got the critical illness and life cover for my mortgage protection. This covers my whole mortgage should anything happen to me. I was advised to put this in trust, they sent me a pack which explained everything around how to do this in simple language which was easy to understand. Reviewed on: 14th August 2022

Don't bother

Please don't bother insuring yourselves for life cover with this firm as they don't pay out when you die of COVID-19 if there was a 0 star for effort and empathy then I'm sure they would qualify. As a business professional I have never experienced such weak excuses from a company not to pay a small life cover that another rival company did!!!. They will happily take your money for years but beware down the line if you think your loved ones will be looked after think again! Shame on you !! Reviewed on: 24th February 2021

Very good

Great package, really covers everything and a great price Reviewed on: 18th October 2016

Superb

I went through a broker to find critical illness cover and they heavily recommended L&G for me. Have got to say the interaction with them so far has been superb. Reviewed on: 7th September 2015

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