Bought the Critical Illness and Life Insurance policy in good faith many years prior to being diagnosed with a degenerative disease. To cut a rather lengthy and unfortunate story short Legal & General decided to question my illness regardless of its severity and my not being able to work AND DUG into my private life and inheritance after my mothers death (from cancer); to state that because I inherented a business from my family that I do not qualify for the policy claim. All these underhanded actions to avoid a rather large payout. Disgusting!!!! I am currently and with costs going through the Ombudsman. Please do NOT take out any of their policies. Legal & General's practice to avert payouts are totally unethical and will worsen any diagnosed ailment! - as that is inevitablely their aim.