Started claim on terminal illness policy expecting it to be sorted within a few weeks. It's now 6 months down the line with constant requests for more information from my oncologist. They don't chase up requests for oncology information, that's your job. I have no doubt they will drag this on in the hope I survive more than 12 months. I could write a book on how incompetent these scammers are but I would just be repeating other reviews. Finally, please read these reviews and take note. Do not use L& G as you will be dealing with the most heartless and incompetent company when you need professional and caring people at a stressful time. Good luck.