Full product details for the Legal & General Multi Protection life insurance policy, including application criteria, policy details, cover, funds, guaranteed insurability, premiums & fees, claims, exclusions and conditions.
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This product is only available to individuals who are permanent UK residents.
Available Direct
yes
This product is available direct from the provider.
Minimum Age
17 years
The minimum age at outset is 17 attained. If the policy is for someone under the age of 18 then it must be taken out in trust by someone over the age of 18.
Maximum Age for New Cover
78 years
The maximum age at entry for life cover is 78 attained, if no indexation or conversion is selected (minimum term is 1 year without indexation or conversion).
The age at entry for life cover is attained if indexation is selected (minimum term is 2 years if indexation is chosen).
The age at entry for life cover is 69 attained if conversion is selected (minimum term is 10 years if conversion option is chosen).
The Level Term Assurance Plan has a minimum term of 1 year, and the plan must end before age 80. If a one year term is chosen, terminal illness cover does not apply.
Minimum Child Age
30 days (1 month)
To be covered, a child must be aged over 30 days and less than 18 years.
Maximum Child Age
17 years
The maximum age for children's critical illness cover is age 17 attained. Children's critical illness cover To be covered, a child must be aged over 30 days and less than 18 years.
Cover for Expats
no
Not available.
Cover for Foreign Nationals
yes
Plans are available to foreign nationals resident in the UK. Residency requirements For an EU citizen who intends to remain in the UK, applications can be considered, subject to normal underwriting rules and exclusions. Non-EU citizens will be considered if they can prove they have to right to remain in the UK indefinitely.
If they only have limited leave to remain, then the application can be considered for the duration of their stay, subject to the Legal and General minimum term applying.
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