I found L&G to be quick in taking your premiums but not quick in settling claims. What's the point of having insurance when you can't use it when you need to. I submitted a claim with L&G two and a half months ago (at the same time as a claim with FriendsLife). I included all my medical evidence and Friendslife settled my claim within 2 weeks. I am still waiting for L&G to confirm if my claim is valid. I have not had one letter/phone call/email from L&G over this period, and if it were not for me phoning them to get an update, I'd be none the wiser. I would definitely not recommend them for any protection insurance products. Friendslife is so much better!!!