Press releases

Legal & General release death and critical illness claims figures for 2010.

Russ Whitworth - Underwriting & Claims Director Legal & General Insurance
Russ Whitworth
Underwriting & Claims Director, Legal & General Insurance

06 May 2011

Russ Whitworth - Underwriting & Claims Director Legal & General Insurance
Russ Whitworth
Underwriting & Claims Director, Legal & General Insurance

Legal & General has paid more claims than ever before, a total of £373million combined death and critical illness claims, which is a figure that has increased every year since 2006.

Over the last five years Legal & General has:

  • Paid out a staggering £1.6billion in death and critical illness claims.
  • Paid an average amount of £63,622 per critical illness claim.
  • Seen the average age of a critical Illness claimant steady at 44 years.
  • Received a critical illness claim from our youngest adult claimant at only 19 years old.

These figures highlight the potential importance of critical illness cover for everyone. It is estimated that around one in ten of all cancer cases are adults aged 25-49 years*.

Russell Whitworth, Underwriting & Claims Director at Legal & General said: “Our key focus is to help people in their hour of need and I am proud of these figures; they demonstrate how we have helped nearly 33,000 people, over the last five years, making their lives easier at an extremely difficult time.

We are in the business of paying claims and as an industry we have worked hard over the last decade to reduce non- disclosure. We continue to strive to improve understanding about this issue with customers.

Less than 2% of claims in 2010 were repudiated purely for medical non-disclosure. It is essential we continue to do everything we can to ensure customers understand what they are covered for under the terms of their policy so that we are able to pay as many claims as possible.

An ABI statement of Best Practice for Critical Illness sets out the model wording for all critical illnessess and we adhere to this best practice. This has been reviewed as recently as 21 February with a new 24th definition and we work closely with the ABI and advisers to ensure customers understand what they are buying”.


Notes to editors

  • Average amount paid out for critical illness £58,449
  • Largest claims payout £500,000
  • Average age of claimant 44 years
  • Youngest adult claimant 19 years
  • 0ldest claimant 74 years
  • Top five reasons for claiming
  • Cancer
  • Terminal illness
  • Heart Attack
  • Multiple Sclerosis
  • Stroke

Note – Not all types of cancer are covered by Critical Illness plans.

Legal & General’s claims data in detail
 Death claims paid £152m £179m £215m £217m £226m
 Claims declined (overall) 3.4% 3.7% 1.9% 1.8% 2.2%
 Critical illness claims paid £92m £110m £146m £152m £147m
 Claims declined (overall) 16.7% 11.8% 7.2% 6.4% 8.2%
 Claims declined (for non-disclosure) 12.1% 7.7% 4.2% 1.8% 2.8%
 Claims declined (for not meeting policy definition) 4.6% 4.1% 3% 4.6% 5.4%


* Source Cancer Resaearch UK, July 2010

** Cancer Research UK March 2011

Source for all data: Legal & General Claims department, 2011 based on critical illness claims finalised in 2010.

The full list of critical illnesses covered depends on the type of critical illness policy originally taken out and some illnesses may not be covered. For the full definitions relevant to our range of Critical Illness Cover and details of the policy benefits and limitations, please refer to Legal & General’s Guide to Critical Illness Cover or the policy document.

The information contained in this press release is intended solely for journalists and should not be relied upon by private investors or any other persons to make financial decisions.

For more information please contact:

Alyson Bowcott

Alyson Bowcott
PR Manager, Legal & General Group

t: +44 (0) 20 3124 2092
m: +44 (0) 7764 582574

About Legal & General

Legal & General Assurance Society Limited.

Registered address:
One Coleman Street
London EC2R 5AA.
Registered in England 166055.

About Legal & General

Legal & General Group Plc.

Registered Office: 
One Coleman Street 

Registered in England. Registered Number: 1417162.

Legal & General Group Plc is a holding company, subsidiary undertakings of which are fully authorised as appropriate under the Financial Services and Markets Act in respect of their investment activities in the UK.

© Legal & General Group Plc 2011