Product support

If you need to contact us please do so on: 0345 730 20 14.

Calls may be recorded and monitored. Call charges will vary.

You may be able to request the following changes to be made to your plan depending on when you bought it:

• an increase or decrease to the term of the plan;
• a change to the amount of cover;
• the removal of a life assured;

Moving home: Your plan is not affected by any changes to your residence. If your situation has changed it may be worth considering if your plan still suits your needs. Changes to your plan for example increasing the amount of cover could be as easy as making a phone call, and in some cases will not need any further underwriting.

To find out what changes you are able to request on your plan please use the telephone numbers above.

These changes may affect the premiums that you pay. Legal & General will assess all requested changes based on your circumstances at the time. They'll let you know whether and on what conditions they can make a requested change to your plan.

They'll also let you know if the change you ask for will mean that your existing plan has to be cancelled and a new plan set up. A new plan may have different terms and conditions.

Legal & General want to make even the difficult times easier for you by making the claims process a smooth one.

If a claim arises on your Life or Critical Illness Cover, please contact Legal & General at the UK based call centre on freephone: +44 783 974 9373.

When calling to make a claim please have your plan number to hand. The lines are open between 9am and 5:30pm Monday to Friday. Calls may be monitored or recorded.

Or write to:
Legal & General Claims Department
City Park
The Droveway
Hove
BN3 7PY

Before making a critical illness claim please check your original policy document for details of the illnesses covered.

A member of the claims team will send you a blank claim form for you to complete and return back with your original policy document. They will then write to your GP and specialist to confirm the diagnosis, when the diagnosis is confirmed the payment will be sent to the bank account nominated on your claim form.

If you need to make a claim, it's important that you continue to pay your premiums while your claim is assessed. This is because the premiums may be paying for other parts of the policy, for example Life Assurance or Waiver of Premium Benefit. This cover will remain in force until a decision is made on your claim. Any overpaid premiums will be refunded once your claim is paid.

Life cover is designed to pay a lump sum in the event of your death. If you provide financial support to help another, it is wise to consider how that person would support themselves without you.

Even if you don't work, if you spend time caring for your children or other dependants, you're an invaluable resource that would be surely missed. Life cover could help provide care and protect your dependants' financial future in the event of your death.

You may be able to request the following changes to be made to your plan depending on when you bought it:

• an increase or decrease to the term of the plan
• a change to the amount of cover
• the removal of a life assured under a joint plan
• a change to the frequency of your premium payments (annually to monthly or monthly to annually)

To find out more about what changes you are able to request on your plan contact one of the following numbers: 

If you need to contact us please do so on: 0345 730 20 14.

Calls may be recorded and monitored. Call charges may vary.

These changes may affect the premiums that you pay. Legal & General will assess all requested changes based on your circumstances and health at the time. They'll let you know whether and on what conditions they can make a requested change to your plan.

They'll also let you know if the change you ask for will mean that your existing plan has to be cancelled and a new plan set up. A new plan may have different terms and conditions.

The minimum period for Level Term Assurance is one year, and the maximum, depending on your age, is 40 years.

The amount, type and length of cover will all have a major effect on your payments. The answers to the questions in your application will also have an effect. These include: age, sex, occupation, health, height, weight, medical history and lifestyle.

A joint plan covers two named people at the same time but will only pay out on the death of the first person to die. If there are two separate plans, each will cover an individual on their own and will pay out only on that person's death. Both joint and single life plans will end either when a claim is made or the plan reaches the end of its term.

You can cancel your plan at any time. If you cancel within the first 30 days Legal & General will give back any premiums that you have already paid. If you cancel after this or your plan reaches the end of its term without a claim being made, nothing will ever be paid out.

Your contract will be with Legal & General. All claims, amendments or other communications should be made with Legal & General.

The information you provide will be used by Rafidain Bank and Legal & General to provide a quote, form part of the underwriting process, as part of statistical analysis or as part of the claim process. The details will be kept for the duration of a policy and a period after the policy has finished. Your data will not be passed on to any undeclared third party for any marketing purpose.