What we do

Our business is built on understanding people, how long they live, what risks they are comfortable with and their changing needs throughout life. We aim to see things before others do and create far-sighted approaches to better manage our assets and meet our customers’ needs. We have three broad business areas which provide solutions for our customers.

Investing and Annuities

Legal & General Retirement (LGR)

Legal & General Capital (LGC)

We provide reliable and secure pension income for individuals and members of corporate pension schemes.

Institutional clients

Legal & General Retirement (LGRI)

Working with companies, pension fund trustees and their advisers to provide risk transfer solutions, with a UK market share of around 30%.

Launched Pension Risk Transfer (PRT) business in the US in 2015, now has assets of over $1.5bn.

Legal & General Capital (LGC)

Builds relationships directly with partners and LGIM to develop direct investments and increase the risk-adjusted returns on shareholder assets.

Retail Clients

Legal & General Retirement (LGRR)

LGRR deals directly with customers and through advisers and partners. Top three in UK individual annuities, with 14% market share in the first three quarters of 2017. No.1 in UK lifetime mortgages, with 33% market share.


In the UK we're based in London, Hove, Solihull, Bracknell, and Sherburn, North Yorkshire. Our US risk transfer business is located in Stamford, Conneticut. We also have a Bermuda office.

Investment Management

Legal & General Investment Management (LGIM)

We provide institutional and personal investment management services, managing the investments of many of the UK's biggest corporate pension schemes.

UK's leading investment manager

LGIM have long been the UK's leading investment manager for DB plans, establishing an expertise in liability driven investments (LDI) and equity index funds. We have a 42% share of the LDI market.

Strong capabilities

We have continued to broaden our range significantly and have strong capabilities in active fixed income, multi asset and real asset investments. We have now established a leading position in US LDI and are building our presence in Asia, the Middle East and across Europe.

UK's No.1 Defined Contribution (DC) asset manager

We offer a leading workplace proposition, combining administration and investment services as well as offering investment only. We are No. 1 in the UK for managing DC assets, with £68.2bn AUM at 31 December 2017.

We were ranked third in the UK for retail net flows over the first nine months of 2017 with net flows of £3bn, distributed mostly by financial advisers. We also offer our products online and by phone.


Our main UK office is based in the City of London. Our US investment management business is located in Chicago. We also have international offices in Hong Kong and Tokyo.


Legal & General Insurance (LGI)

General Insurance (GI)

We help people safeguard their families' financial futures through providing insurance covering life, critical illness, and disability, long-term sickness, buildings, possessions, pet and travel.

Legal & General Insurance (LGI)

Top four player in UK Group Protection market, with 16% market share. No.1 in UK retail protection, with 24% market share. Top 10 provider of US term life insurance. UK's largest mortgage club, distributing housing loans to consumers.

General Insurance (GI)

No. 7 in UK household insurance.


Our main UK offices are based in Birmingham, Hove, Cardiff and Barnsley. Our US office is based in Frederick, Maryland.