I’ve had a income protection policy in place for years which was done through my employer. I had a terrible episode last year and was eventually hospitalised with critical blood pressure brought on by extreme stress. I was also suffering with anxiety and depression. L & G took almost 5 months to assess my claim and stated that because I went on walks I was fine to return to work! That was the worst time of my life and was seeing 3 counsellors, with dreadful thoughts of hopelessness and contemplated taking my life. I am currently appealing the case and will take it to the ombudsman. My advice, avoid L & G at all costs. They will build their case in order not to pay and have zero empathy. I note the appalling treatment of other customers after love ones have died or diagnosed with terminal illness. A truly shocking company.