Name: Legal & General
Rating: 1.65

“L&G are definitely not the caring organisation they hold themselves up to be. This organisation left me on the verge of taking my own life. I was receiving income protection payments, due to long-term serious health issues. A GP who I'd never even heard of, let alone spoken to, produced a totally unlawful report (breaching countless medical consent and reporting laws and regulations), sending it to L&G without my consent. This is a separate issue which I’m also having to deal with at a high level. It clearly opened an unexpected pathway for L&G to cut costs, which they duly obliged. Despite the GP report being unlawful and being sent without my consent, L&G chose a type of ‘plausible deniability' in terms of ‘turning a blind eye' to these facts. L&G then sent their 'attack dog', one of the most deplorable, dreadful VCS ‘specialists' to complete the most partisan assessment at my home. This ‘specialist’ produced the most dishonest, contradictory, inconsistent report, therefore enabling L&G to end my much-needed payments, despite my own GP (who had ALWAYS produced the requested reports for L&G over a 10-year period) being totally unaware that L&G had even requested a report. L&G had to later admit to two instances of dishonesty within the VCS report, although there were numerous other examples which they didn’t admit to. L&G then, following my appeal (which included a large amount of medical evidence and an up-to-date report from my own GP, confirming my overwhelming unfitness to work), employed a third party (Symbios Health) to carry out an OH assessment. Without exaggeration, this OH assessment, completed by Dr Oli Cooper, was by far the worst, most traumatic, upsetting, inappropriate assessment of its kind that I’ve ever undergone and, given that my health issues have existed for almost 20 years, I’ve gone through dozens of them via various official organisations. It was so blatantly clear and obvious that L&G had utilised Dr Cooper and Symbios Health to ‘rubberstamp’ their decision. I took note of everything which occurred during the horrific assessment, even raising it with L&G prior to any final report being issued, therefore ensuring that L&G couldn’t allege that I was only doing so because of bitterness over any report. L&G couldn’t have cared less. I’m really lucky to have an incredible support network, especially my amazing mum. But, I’ve never felt so desolate and alone. To then highlight L&G’s despicable conduct, they sent the OH report, which they undoubtedly knew that I totally disagreed with, to the same GP Surgery where all of this began, without my consent at any stage. Under medical consent and reporting laws, this is strictly forbidden. They sent the report blindly, without any covering letter, which is again not allowed. I only discovered that L&G had done this because I had to submit a SAR request. This latest discovery is being investigated, and I’ve since moved GP Surgeries. L&G, unbelievably, tried to justify their decision to send the dreadful report, insisting (laughably) that they did so “for the benefit of my health", despite it being done without my consent, and with this inevitable enormous risk that it would end up in the hands of the GP who began my nightmare, as he’s actually a Practice Partner. L&G argued with a detailed report, compiled by my expert Consultant with decades of experience and knowledge. His report confirmed that my condition is extensive, acute and widespread. His report also confirmed my poor diagnosis and prognosis, whilst giving specific details about what will happen as a result of my condition, in later years. L&G dismissed his report, going against a specialist NHS Consultant, who has also carried out an astounding number of surgeries associated with my condition and similar. L&G instead chose the opinion of a VCS individual, who included so many guesses, assumptions, and wild theories, without any context whatsoever. L&G then backed this up by accepting a scandalous report from an OH 'therapist', who is somehow labelled a 'doctor', despite having absolutely zero experience with conditions like mine. L&G used these unjustifiable opinions and assumptions over the expertise and knowledge of my specialist Consultant, and my own GP, whom have cared for and treated me for almost 20 years, something which is incomprehensible. The Ombudsman Service is absolutely useless. They hide behind certain policy interpretations and wording, not wanting to offend such a large organisation like L&G, making it up as they go along. There are so many other disgusting elements to my case, too many to discuss in this review. But, the overall takeaway from this is that L&G are absolutely anything but a caring, decent organisation. L&G’s conduct and behaviour has been so callous, cruel, and underhand, it beggars belief. The ignorance and arrogance L&G have displayed is staggering. Don’t be fooled by the name and history. L&G are one of the worst organisations to be dealing with patients, or people with health issues related to employment, or critical illness insurance. I would urge everyone whom has no alternative but to be associated with L&G through their employer to be fully on guard, do your research, make sure that you know your rights for any worst case scenario, have a healthy distrust of the organisation, and always ensure that your own GP produces any requested reports L&G ask for, even if that means contacting your GP Surgery every single day. L&G are a very devious organisation. Let my harrowing review be a lesson in preparation. Thank you for taking the time to read my comments.”

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Posted 3 weeks ago

“PROVEN SUCCESS IN RECOVERING LOST INVESTMENTS”

Legal & General 1 star review on 7th August 2025

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Posted 3 weeks ago

“Chat bot isn't very good. Phone system doesnt allow option to speak to advisor. The voice bot doesnt recognise anything you say.”

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Posted 1 month ago

“All thanks to your service”

Legal & General 2 star review on 5th July 2025

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Posted 1 month ago

“Losing $63,500 to a crypto scam shattered my trust and nearly ruined me financially. I was embarrassed to even talk about it. I found Mrs. Francesca’s company through an online forum, and though I was skeptical, their professionalism stood out. They were honest, methodical, and responsive throughout. I never expected to recover anything, but they proved me wrong. Thanks to them, I’ve recovered more than half of what I lost—and just as importantly, my sense of control.”

Legal & General 1 star review on 1st July 2025

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Posted 1 month ago

“Losing $63,500 to a crypto scam shattered my trust and nearly ruined me financially. I was embarrassed to even talk about it. I found Mrs. Francesca’s company through an online forum, and though I was skeptical, their professionalism stood out. They were honest, methodical, and responsive throughout. I never expected to recover anything, but they proved me wrong. Thanks to them, I’ve recovered more than half of what I lost—and just as importantly, my sense of control.”

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Posted 1 month ago

“Losing $63,500 to a crypto scam shattered my trust and nearly ruined me financially. I was embarrassed to even talk about it. I found Mrs. Francesca’s company through an online forum, and though I was skeptical, their professionalism stood out. They were honest, methodical, and responsive throughout. I never expected to recover anything, but they proved me wrong. Thanks to them, I’ve recovered more than half of what I lost—and just as importantly, my sense of control.”

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Posted 1 month ago

“After my cash withdrawal request was denied, I was unable to access my trading account. In addition to being quite frustrated, I was worried that I would lose my investment in this circumstance. Similar account issues are encountered by many investors, which can cause them to lose faith in trading platforms. However, after I contacted them, (FraudShieldRecovery INC) team effectively assisted me in getting my funds back”

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Posted 2 months ago

“When my cash withdrawal was denied and my account access suddenly restricted, I feared the worst. It's a common issue, and I understand why people lose faith in platforms. But thanks to Mrs. Mercy and her amazing support team, I was able to recover my funds and regain confidence in the process”

Legal & General 1 star review on 14th June 2025

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Posted 2 months ago

“I’m extremely impressed with the professionalism and expertise of Mr. Tony and his team. They took the time to understand my situation and crafted a recovery plan that worked. Their commitment and clear communication gave me peace of mind, and I’m thrilled to say they successfully helped me get my money back.”

Legal & General 1 star review on 13th June 2025

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Posted 2 months ago

“After my withdrawal request was denied, I couldn’t access my trading account. I felt frustrated and anxious, afraid I might lose my investment. Sadly, I know many others face similar issues, which can seriously damage trust in trading platforms. Thankfully, Mrs. Mercy and her team stepped in and guided me through the process. With their help, I was able to recover my funds.”

Legal & General 1 star review on 9th June 2025

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Posted 2 months ago

“Ridiculously hard to get a hold of. System cycles you back through automated prompts. Once, it sounded like a rep picked up, said nothing, and put me back through the automated system. Online area is horrible and says I don't have a bill due but an email came in saying I have one due tomorrow. Pathetic.”

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Posted 2 months ago

“harrylucy977 - @ gmail . com Successfully Recovered my money”

Legal & General 1 star review on 22nd May 2025

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Posted 3 months ago

“$31 a month for $100,000 then after 8 years no missed payments went up to $87.... Just got a letter $122 a month starting next month, same payout.. time for me to look elsewhere.. extremely disappointed!!!!! Do not recommend this company!!!!!!”

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Posted 3 months ago

“Thanks to presleyjossie - @ gmail . com, I got my money back”

Legal & General 1 star review on 11th May 2025

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Posted 3 months ago

“Can't get answer to my question. Does not recognize my policy number.”

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Posted 4 months ago

“Have been policy holders for years. Horrible experience incredibly unhelpful bureaucracy refused to provide basic policy information. Would avoid this company in any way I could advise anyone else. Supervisor was Demetrous Daniels. Poor service.”

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Posted 5 months ago

“It became clear that getting my money back would not be easy. Frustrated and unsure of what to do next, I shared my situation with a close friend. They immediately advised me to report the issue to Bitclaim. Net. Although I was skeptical, I decided to take their advice. To my relief, within a week, I was able to recover my funds. The process was smooth, and I finally felt a sense of closure after days of stress and uncertainty. This experience was a harsh wake-up call about the dangers of trusting online financial platforms. No matter how legitimate a company seems, it’s essential to conduct thorough research before making any investment. I now take extra precautions and encourage others to do the same. If something feels off, act quickly waiting too long can make all the difference in whether or not your funds are recoverable.”

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Posted 5 months ago

“My husband died at the beginning of December, it's now February and I'm still waiting for a settlement. I've had to borrow money to pay for his funeral and it has been a hugely anxiety filled experience. I'd advise anyone to think carefully before going with this company!”

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Posted 6 months ago

“12 weeks ago I received a letter from legal and General informing me that my father, who died in 2010, had a life insurance policy. All the paperwork, will, our mums will and death certificates were sent to Legal and General the same day. I had to set up a secure email account with Legal and General for updates. 12 weeks and 1 update, prompted by an email from me, later and still nothing. A phone call to Legal and General and I was told they were waiting for a response from HSBC regarding the policy but had to chase it up by snail mail as they didn't have a contact number for them! It took me 2 minutes yo find a contact number and confirm with HSBC that it was the correct number to chase up this correspondence. The same day I passed this number to Legal and General. In that phone call i was told, patronisingly, that 'I should sit and wait patiently' by a member of the claims team. 2 weeks later, absolutely no contact, info or update from them. Formal complaint being made tomorrow.”

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Posted 8 months ago

Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Over A Week

Legal & General Reviews