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Simple life insurance and mortgage protection

Will coronavirus (COVID-19) affect me taking out a policy?

We’re having to change the way we work for a while as a result of the coronavirus pandemic. From 3 April, we’re asking two more questions on our application forms for Barclays Life Insurance for Mortgage Protection and Barclays Simple Life Insurance. If you applied before 3 April, there’s no need to reapply, but if you need to update your application and therefore get a revised quote, you’ll need to answer these new questions.

What are the new questions?

We’ll be asking

In the last 30 days have you

a)      Had a new or unexplained continuous cough, fever or high temperature?  

b)      Tested positive for, or been diagnosed with coronavirus/COVID-19?     

In the last 14 days have you

a)      Been self-isolating or been advised you should?  

b)      Had direct contact with someone who has been diagnosed with, or suspected of having coronavirus?   

What happens if I answer ‘yes’ to either of the new questions?

We’ll ask you to reapply if you’ve been

  • Diagnosed with coronavirus

  • Experiencing coronavirus symptoms

  • In contact with someone who’s been diagnosed with coronavirus, or someone who is or has been experiencing coronavirus symptoms

When can I reapply?

If you’ve tested positive or been diagnosed with coronavirus, you can reapply 90 days after you stopped experiencing symptoms.

If you are or have been experiencing symptoms, you can reapply 30 days after you stopped experiencing symptoms.

If you’ve been in contact with someone who’s been diagnosed with coronavirus, or someone who is or has been experiencing symptoms, you can reapply 14 days after you had direct contact with them and you’ve been symptom-free for 30 days.

What happens when you need a report from my GP?

We obtain medical evidence on a small number of applications where necessary, as part of our normal process. We appreciate the NHS is experiencing unprecedented challenges right now, which might cause a delay in us getting these reports.

Do I need to chase my GP?

No. We’re aware that some surgeries are unable to complete GP reports and they’re asking insurers not to chase them up at the moment. While we haven’t experienced this ourselves, we’ll continue to monitor this closely and try to reduce any impact as much as we can.

Can I claim for coronavirus?

If coronavirus sadly leads to a bereavement claim, we’ll approach this as we normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that apply.

Critical illness cover
As a new disease, coronavirus isn’t a specified critical illness under the terms of our policy. If, as a result of coronavirus, you developed a critical illness that we do cover, we’d assess your claim the same way we usually would. Your policy documents have details of what’s covered. 

I’m over 70 and need life cover, what can I do?

Provided you answer the questions on our application form truthfully, there may be products suitable for your needs. If you’re unsure, we recommend you speak to a financial adviser.

If, as a result of coronavirus, I was diagnosed with a critical illness that’s listed in the policy terms, would you pay out on a critical illness claim?

While coronavirus isn’t listed as a critical illness in our policy terms, we’d assess your claim the same way we usually would. Our approach to claims is very clear: we pay all valid claims.

Are payment breaks available?

At present, this option isn’t available. But if you want to discuss this, please speak to Legal & General directly on 0370 010 4080, as they’ll consider any requests on an individual basis.

How do I cancel?

If you want to cancel because of the cost, we might be able to find a more suitable alternative for you. For mortgage protection-related life insurance, speak to a mortgage adviser. For Simple Life cover, please log in to ‘My Account’ at Legal & General for details on how to cancel, or contact Legal & General directly on 0370 010 4080.

If you still want to cancel after reviewing your current cover, please contact Legal & General on 0370 010 4080 to cancel your policy.