Hello I would not give 1 star we had guaranteed life with critical illness insurance when my wife died of breast cancer they said there was no problem but little did I know what I was in for the months went by then they asked for my wife's medical records up until she got cancer after they went through that they wanted from when she was born after that the 18 months until her death this all took 6-8 months with me ringing every week to see what was going on ending in £108.000 payment over £55.000 short went to ombudsmen wast of time that was with a solicitor.all this was on top of a top London hospital giving my wife radio therapy to the head resulting in suing NHS . 3 years later new solicitor going through everything L&G comes up he jumps on it and with in a week gets them to cough up £55.000 he said there should be interest for 3years which he worked out at nearly £15.000 L&G replied no interest or they won't pay the £55.000 he cut it down to£7.000 but same reply while all this was going on i had 2 breakdown's I have 3 kids I was almost pushed to do something stupid.L&G you just don't know how bad you made it. I cried writing this 11 years on