Legal & General Multi Protection, CI & Children’s Extra | ActiveQuote
Date Reviewed: 16.05.2019
What is the minimum acceptable age at commencement when applying for Legal & General Multi-Protection + CI & Children's Extra?
The minimum age to take out a policy is 18. However, it is possible for a life of another policy to be taken out on a 17-year old by an adult with insurable interest. This policy can then be placed in an Absolute trust with the 17-year-old as the beneficiary.
What is the maximum age attained at the commencement of insured for Legal & General Multi-Protection + CI & Children's Extra?
The maximum age to apply for life cover at the commencement of the plan is 77 attained.
What is the minimum policy term for Legal & General Multi-Protection + CI & Children's Extra?
The minimum term for plans with just Life Cover is 1 year.
The minimum term for Life and Critical Illness Cover plans (fixed payout) is 2 years.
The minimum term for and Life and Critical Illness Cover (decreasing payout) is 5 years.
What is the minimum sum assured for Legal & General Multi-Protection + CI & Children's Extra?
There is no minimum sum assured - this is subject to the minimum premium.
What is the maximum sum assured for life cover only and where accelerated CIC is included for Legal & General Multi-Protection + CI & Children's Extra?
There is no maximum sum assured for life cover only. Sums assured above £5,000,000 will be subject to reassurance.
Is there an additional critical illness cover for Legal & General Multi-Protection + CI & Children's Extra?
A stand-alone critical illness plan is available (albeit that L&G adds life cover for no additional risk premium).
What is the minimum acceptable monthly premium for Legal & General Multi-Protection + CI & Children's Extra?
The minimum monthly premium is £6.00.
What are the additional benefits with Legal & General Multi-Protection + CI & Children's Extra?
Benefit enhanced on accident or accidental death
An accident hospitalisation benefit is available on plans that include Critical Illness Cover.
Accident hospitalisation benefit
We will pay £5,000 if the life assured is admitted to the hospital with physical injuries for a minimum of 28 consecutive days immediately following an accident. The physical injury must have resulted solely and directly from unforeseen, external, violent and visible means and must be independent from any other cause.
We will only pay one claim in respect of each life assured. This benefit is not payable if a valid claim has been made for:
- A terminal illness
- A critical illness
We will provide the following additional benefits if children's critical illness cover is shown as included in the policy schedule:
Child accident hospitalisation benefit
We will pay £5,000 if a relevant child is admitted to hospital with physical injuries for a minimum of 28 consecutive days immediately following an accident. Physical injury must have resulted solely and directly from unforeseen, external, violent and visible means and must be independent from any other cause.
We will only pay this benefit if the accident doesn't result in us paying out under Children's Critical Illness Cover as described in section 3.2.3.
We will only pay one claim per relevant child, to a maximum of two relevant children. If the same relevant child is covered by more than one policy issued by us, we will pay a maximum of £10,000 for that relevant child under this benefit.
The accidental death benefit is available during underwriting, providing "free cover" during this period. Please see "free cover during underwriting" section for details.
Fracture Cover – No
Donor Cover – No
Other benefits – Also the following is available:
Child Funeral Benefit
On the death of a relevant child, we will contribute £5,000 towards their funeral.
Up to a maximum of two claims per policy. We will not pay the claim if:
- The relevant child's condition was present at birth.
- The cause of death first arose before the relevant child was covered.
- We have paid a children's critical illness claim for the relevant child
If you choose Critical Illness Cover and we pay a claim under the policy due to the diagnosis of the life insured with any critical illness as defined in the sections headed 'Critical Illness Cover Definitions' and 'Additional Cover Included for Critical Illness Cover.
If you choose Critical Illness Extra and we pay a claim under the policy due to the diagnosis of the life insured with any critical illness listed under sections headed 'Critical Illness Cover Definitions', 'Critical Illness Extra Definitions' and 'Additional Cover Included For Critical Illness Extra'.
We will pay up to £1,000 towards childcare with a registered childminder if you have a natural child, legally adopted child or stepchild under 5 years old at the time of your diagnosis.
We will only pay the childcare benefit when we have received receipts or proof of payment from the registered childminder. This benefit covers childcare that takes place in the 18 months following the life insured's diagnosis
Family Accommodation Benefit
For every night a relevant child spends in hospital, in the three months immediately following diagnosis of one of the critical illnesses covered in the section headed `Children's Critical Illness Cover' , we will pay you £100 per night up to a maximum of £1,000.
Sum assured in instalments - The sum assured is paid as a lump sum and there is no option to have payments made in instalments.
Large case discount available – No
What is the total number of critical illnesses conditions covered by Legal & General Multi-Protection + CI & Children's Extra?
There are 98 critical illness conditions covered.
What are the exclusions applicable to critical illness cover with Legal & General Multi-Protection + CI & Children's Extra?
There is 1 exclusion for critical illness cover. Alcohol or drug abuse exclusion is limited to a specified number of conditions.
Alcohol or drug abuse
The alcohol or drug abuse exclusion is limited to the following specified number of conditions:
- Cardiac Arrest is secondary to illegal drug abuse.
- Cardiomyopathy related to alcohol or drug abuse
- Coma secondary to alcohol or drug abuse
- Dementia secondary to alcohol or drug abuse
- HIV infection resulting from sexual activity or drug abuse
- Liver disease is secondary to alcohol or drug abuse.
Would I be excluded from Legal & General Multi-Protection + CI & Children's Extra if
I worked in armed force - Not excluded
Had a pre-existing condition – Pre-existing conditions are not excluded in respect of the main policy benefits, but are excluded in respect of children's cover.
Pre-existing conditions- A claim will not be paid if the symptoms arose before the child was covered under the plan.
Are there Virtual GP Services for Legal & General Multi-Protection + CI & Children's Extra?
Legal & General GP24
Optional benefit available if critical illness cover and guaranteed premiums are chosen. Must be chosen at the start of the policy and will be an additional cost. This benefit is provided by Healix Health Services and Medical Solutions UK Ltd and can be renewed every three years.
General Practitioner Services
Your client and their immediate family will have access to the General Practitioner Services 24 hours a day, 365 days a year from anywhere in the world. The services are available over the telephone or via webcam for a face-to-face consultation with a practising, qualified GP.
Private Consultation Concierge Service
The Private Consultation Concierge Service is designed to help your client and their immediate family locate a private consultant or specialist and make an appointment for an appropriate time and date. They will be able to choose from a number of consultants and specialists - all private treatment must be referred by your client's own GP or by using the Legal & General GP4 service. Any costs will need to be funded by your client.
Are there any claims support services for Legal & General Multi-Protection + CI & Children's Extra?
Legal & General Nurse Support Services
Legal & General Nurse Support Services is provided by RedArc Assured Limited and includes the following;
Serious illness, disability and bereavement support;
A service offering bereavement support, advice on treatments and coping strategies, and help sourcing specialist equipment you might need to make life a little easier.
Second Medical Opinion
If your client has concerns about their diagnosis or treatment and wishes for a second opinion, a personal nurse adviser can arrange a face-to-face appointment with a UK-based consultant.
Mental health support
Using their expertise, personal nurse advisers offer long-term support for a range of mental health conditions including depression, stress, PTSD, bipolar and many more.
For those dedicating their time to caring for a loved one who's sick or elderly, we offer a service providing emotional and practical support specifically for carers.
Help at Home
Following a hospital stay, a personal nurse adviser will offer advice and support over the phone.
Whether it's living independently or in a residential home, we can support with choosing the best course of care for an elderly relative and how to keep them safe.
Available throughout the lifetime of the plan.
To find out more about Legal & General and our other Life insurance providers call us today on 0800 862 0373 or get a quote now
* Information about the Legal & General Multi-Protection + CI & Children's Extra product is provided by Defaqto and is correct as of the review date stated