Our business.

Our business is designed to reflect the risk, savings and investment needs of our customers at various key stages of their lives. In return, we provide benefits to our customers and wider society as a whole.

Our Risk business helps protect customers against certain unforeseen events. Customers pay upfront premiums in return for insurance, individual protection and annuities. We work hard to then deliver on our promises and pay all eligible claims that help enable individuals to cope with the financial consequences of unforeseen events, such as bereavement, illness, damage to property or outliving their savings in old age.

Our Savings business helps customers with financial planning, savings and investments. Customers invest money through unit trusts, ISAs, bonds, index trackers and pensions. Acting as a steward of our customers’ money, we aim to help people save for the medium to long term and build funds that provide a secure income in retirement.

Our Investment Management business (LGIM) invest money through unit trusts, ISAs, bonds, index trackers and pensions. As a result, we are the largest manager of UK sourced pension assets and one of the largest investors in the UK stock market.

Our International businesses combine our mature existing international businesses in the United States, France and the Netherlands, with selective expansion in the fast-growing middle class wealth of emerging markets.

Not only can our customers benefit from dealing with a company like ours that can understand their various financial requirements; there is also a public policy benefit. We provide an important social role through our products and services which reduce the likelihood of people having to fall back on the State as a result of loss of income, homelessness or poverty in retirement.