Legal & General vs Vitality Which Life Policy Wins in 2025
Choosing the right life insurance is one of the most significant financial decisions you can make for your family's future. In the bustling UK market, two names consistently stand out: the established giant, Legal & General, and the innovative challenger, Vitality. Both are titans of the industry, yet they offer fundamentally different approaches to protection.
Legal & General represents tradition, reliability, and straightforward, comprehensive cover. Vitality, on the other hand, has revolutionised the market with its dynamic, wellness-linked "shared value" model, rewarding you for staying healthy.
So, which one is right for you in 2025? Is the predictable stability of L&G the smarter choice, or does the interactive, reward-based approach of Vitality offer better long-term value? This is more than just a price comparison; it's a clash of philosophies.
Here at WeCovr, we are independent experts who navigate the entire UK insurance market for our clients every day. We've delved deep into the policy documents, crunched the numbers, and analysed the small print to bring you this definitive, independent comparison.
WeCovr’s independent analysis of cover, pricing, and extras
To determine which provider might be the best fit for your unique needs, we will dissect their offerings across several key areas:
- Core Cover: How do their fundamental life, critical illness, and income protection policies stack up?
- Critical Illness Definitions: A crucial area where their approaches diverge significantly.
- Added Value & Rewards: What do you get beyond the core insurance policy? This is where the real battleground lies.
- Pricing & Premiums: How do their costs compare for different individuals, and what factors influence the price you pay?
- Specialist Cover: How do they cater to the specific needs of business owners, directors, and the self-employed?
By the end of this guide, you'll have a crystal-clear understanding of the strengths and weaknesses of both Legal & General and Vitality, empowering you to make a confident and informed decision.
A Tale of Two Insurers: Who Are Legal & General and Vitality?
Before we dive into the nitty-gritty, let's get to know our contenders.
Legal & General: The Stalwart of British Insurance
Founded in 1836, Legal & General (L&G) is a FTSE 100 company and one of the UK's most recognisable financial services brands. When you think of traditional insurance, you're likely thinking of a company like L&G.
- Reputation: They have built a formidable reputation on trust, financial strength, and reliability. For generations, they have been a go-to provider for life insurance, pensions, and investments.
- Approach: L&G's philosophy is centred on providing clear, comprehensive, and high-quality cover. Their products are designed to be easy to understand and to do exactly what they promise: pay out when you need them most.
- Claims Performance: Their reliability is backed by hard data. In 2023, Legal & General paid out over £883 million in individual protection claims, helping more than 19,500 customers and their families. This equates to an impressive 96% of all claims.
For many, L&G is the "gold standard" of traditional insurance – a safe, predictable, and dependable pair of hands.
Vitality: The Innovative Health & Wellness Pioneer
Vitality entered the UK market as a disruptor. Originally launched as PruProtect in 2007 (a joint venture with Prudential), they rebranded as Vitality in 2014 and have since transformed the conversation around life and health insurance.
- Reputation: Vitality is known for innovation and a proactive approach to health. They operate on a "shared value" model, which posits that what's good for your health is also good for them (as you're less likely to claim) and for society.
- Approach: Their unique selling point is the Vitality Programme. This isn't just an insurance policy; it's a wellness programme that actively encourages and rewards you for making healthy choices. By tracking your activity, you earn points that unlock tangible, everyday rewards and can lead to lower premiums.
- Claims Performance: Despite their modern approach, they are equally committed to paying claims. In 2023, Vitality paid out £126 million across life, serious illness, and income protection claims, with a 97.4% payout rate for life claims.
Vitality appeals to the modern consumer who wants their insurance to be an active, engaging part of their life, not just a policy filed away in a drawer.
Core Life Insurance Products: A Head-to-Head Comparison
At their heart, both companies offer the foundational products designed to provide a financial safety net. The two main types are Level Term and Decreasing Term Assurance.
- Level Term Assurance: You choose a lump sum amount and a policy term (e.g., £200,000 over 25 years). If you pass away within the term, this fixed amount is paid out. It's ideal for covering an interest-only mortgage or providing a lump sum for your family's living expenses.
- Decreasing Term Assurance: The lump sum decreases over the policy term, usually in line with a repayment mortgage. Because the potential payout reduces over time, these policies are typically cheaper than level term cover.
Let's see how they compare on the core features.
| Feature | Legal & General | Vitality |
|---|---|---|
| Cover Types | Level, Decreasing, Family Income Benefit | Level, Decreasing, Family Income Benefit |
| Terminal Illness Cover | Included as standard (12-month diagnosis) | Included as standard (12-month diagnosis) |
| Maximum Age at Entry | Up to 84 (depending on term) | Up to 74 |
| Maximum Term Length | Up to 50 years (not exceeding age 90) | Up to 50 years (not exceeding age 90) |
| Joint Life Options | First Death or Second Death basis | First Death basis only |
| Increasing Cover Option | Available (RPI-linked) | Available (RPI-linked) |
Both providers offer solid, flexible term assurance products. A key differentiator is L&G's option for "Joint Life, Second Death" cover. This type of policy only pays out after the second person on the policy passes away. It's less common for family protection but is a vital tool for inheritance tax (IHT) planning, often used to cover the IHT bill that becomes due on the second death.
Critical Illness Cover: Digging Deeper into the Definitions
This is where the philosophies of L&G and Vitality diverge most starkly. While both aim to provide financial support upon diagnosis of a serious condition, how they do it is very different.
A 2024 report highlighted that cancer, heart attack, and stroke remain the "big three" conditions leading to claims, accounting for the vast majority of all critical illness payouts. How these are defined is therefore paramount.
Legal & General: The Traditional, Comprehensive Approach
L&G offers what is widely considered one of the most comprehensive traditional Critical Illness Cover (CIC) policies on the market.
- Structure: Their model is binary. If your condition meets their policy definition, you receive 100% of your sum assured. If it doesn't, you receive nothing (though they do have smaller "additional condition" payments).
- Coverage: Their core CIC policy covers a large number of full-payment conditions (typically 40+), including the major ones like cancer, heart attack, and stroke. They also include a significant list of "additional payment" conditions (often paying the lower of £35,000 or 50% of your cover amount) for less severe illnesses, without reducing your main cover.
- Children's Cover: This is a real strength for L&G. Their enhanced children's cover is automatically included and is one of the most generous available, covering a wide range of child-specific conditions and even providing a cash sum if a child is hospitalised with an injury for an extended period.
Vitality: The Modern, Severity-Based Approach
Vitality doesn't call their product "Critical Illness Cover". They call it "Serious Illness Cover" (SIC), and the name change reflects a fundamental difference.
- Structure: Vitality's model is based on severity. Instead of a 100% or nothing payout, they pay a percentage of your sum assured (from 5% up to 100%) based on the impact and severity of your condition. For very severe conditions, they can even pay out more than 100% (up to 200% with their optional boosters).
- Coverage: This approach means Vitality covers a much wider range of conditions than any traditional provider – over 180 in total. The argument is that it's better to receive a smaller payout for a less severe condition that still has a financial impact, rather than receiving nothing at all from a traditional plan.
- The Debate: Is this better? It depends on your perspective.
Let's look at an example:
| Condition | Legal & General (CIC) | Vitality (SIC) |
|---|---|---|
| Early Stage Cancer | Might qualify for an "additional payment" (e.g., £35k). The main policy remains intact. | May pay out 12.5%, 25%, or 50% of the main sum assured, depending on the specific diagnosis. |
| Major Heart Attack | 100% payout if it meets the full definition. | 100% payout. |
| Less Severe Stroke | May not meet the full definition, resulting in no payout. | Could pay out 25% or 50% based on the level of permanent symptoms. |
The Verdict on CIC/SIC:
- L&G offers certainty. You know that for a defined list of serious events, you will get a 100% payout. It's clear-cut and powerful.
- Vitality offers a wider safety net. You're covered for many more conditions, but the payout for some illnesses might be less than 100%. This can provide crucial financial support earlier in an illness journey.
Income Protection: Securing Your Salary
For most working people, their biggest asset isn't their house or their car; it's their ability to earn an income. Income Protection (IP) is designed to replace a portion of your salary if you're unable to work due to illness or injury.
Both L&G and Vitality offer high-quality IP policies, and the most important factor for any IP policy is the definition of incapacity. The best definition is "Own Occupation", which means the policy will pay out if you are unable to perform your specific job. Both insurers offer this as their primary definition for many professions.
Legal & General Income Protection
L&G's IP is a solid, reliable product. It focuses on providing a dependable replacement income and support to help you get back to work.
- Key Features:
- Fixed Benefit: The monthly benefit you choose is what you get, providing certainty.
- Rehabilitation Support: Like their other policies, their IP comes with access to Wellbeing Support, offering tailored advice and therapies to aid your recovery.
- Fracture Cover: Often included, providing a small lump sum for specific broken bones, even if you can still work.
It’s a robust, set-and-forget style of income protection.
Vitality Income Protection
As you'd expect, Vitality's IP is interwoven with its wellness programme.
- Key Features:
- Income Booster: By engaging with the Vitality Programme and achieving Platinum status, you can boost your monthly income payout by 20% at the point of claim, at no extra cost. This is a unique and potentially very valuable feature.
- Premium Reductions: By maintaining a high Vitality status, you can earn significant discounts on your premiums over the life of the policy.
- Early Intervention Support: Vitality provides access to physiotherapy and mental health support services without needing a GP referral, potentially preventing a long-term absence from work.
The choice here comes down to engagement. L&G provides a stable, predictable safety net. Vitality offers a dynamic product where your own healthy actions can directly enhance your cover and reduce your costs.
The Extras & Add-Ons: Where the Value Proposition Shifts
This is where the comparison gets really interesting. A modern insurance policy is no longer just about the cheque on death or diagnosis; it's about the ongoing value and support.
Legal & General: Support When You Need It Most
L&G's value-add services, often bundled under their "Umbrella Benefits", are focused on providing practical and emotional support during difficult times.
- Wellbeing Support (provided by RedArc): This is the cornerstone of their offering. Policyholders and their families get access to a dedicated nurse adviser from RedArc. These are experienced, registered nurses who can provide:
- A friendly ear and emotional support.
- Help understanding a diagnosis and treatment options.
- Guidance on navigating the NHS.
- Arranging second medical opinions, counselling, or complementary therapies.
- Rehabilitation Support: For income protection claims, they provide tailored support to help you get back to work.
- Simple, Powerful Support: The value here is not in weekly freebies, but in expert, human support at the absolute worst moments of your life. It’s a quiet benefit that becomes priceless at the point of claim.
Vitality: Value Every Single Day
Vitality's value proposition is completely different. It's loud, proud, and designed to be used from day one. The Vitality Programme is a comprehensive ecosystem of rewards and benefits.
- How it Works: You earn "Vitality Points" for health-related activities: tracking your steps, going to the gym, completing online health reviews, getting a dental check-up, and more.
- Status Levels: The more points you earn, the higher your status climbs, from Bronze, through Silver and Gold, to Platinum.
- The Rewards: This is the headline grabber. The rewards for a high status are significant and can include:
- Weekly rewards like a free coffee or cinema ticket.
- Up to 50% off membership at Virgin Active and Nuffield Health gyms.
- Significant cashback on healthy food purchases at Waitrose & Partners.
- A discounted Apple Watch to help you track your activity.
- Discounted flights with British Airways.
- Free Amazon Prime membership.
The potential monetary value of these rewards can be substantial, often exceeding the cost of the insurance premium itself for highly engaged members. This turns the insurance premium from a "grudge purchase" into a monthly subscription for a wellness club that happens to include life insurance.
The WeCovr Extra: Your Health, Our Priority
We believe in empowering our clients to live healthier lives, whichever insurer they choose. That’s why, in addition to finding you the best policy, WeCovr provides complimentary access to our own AI-powered calorie and nutrition tracking app, CalorieHero. This shows our commitment extends beyond just the policy; we want to support your wellbeing journey, complementing the support services of L&G or the active rewards of Vitality.
Pricing: A Numbers Game
It's impossible to give a definitive "cheaper" verdict, as pricing depends on your age, health, lifestyle, smoking status, and the level of cover you need. However, we can illustrate the different pricing models.
Let's imagine two scenarios. All quotes are illustrative and will vary.
Scenario 1: Alex, a 35-year-old non-smoker, office worker, seeking £250,000 of level term life insurance over 25 years.
| Insurer | Indicative Monthly Premium | Pricing Model |
|---|---|---|
| Legal & General | £11.50 | Fixed. This price will not change for the 25-year term. |
| Vitality | Starts at £14.00 | Dynamic. This initial premium can be reduced by up to 15-25% through engagement. Highly active members could pay less than L&G. Inactive members will pay more. |
Scenario 2: Sarah, a 42-year-old non-smoker, marketing manager, seeking £150,000 of Life & Critical Illness Cover over 20 years.
| Insurer | Indicative Monthly Premium | Pricing Model |
|---|---|---|
| Legal & General | £48.00 | Fixed. Predictable cost for comprehensive CIC. |
| Vitality | Starts at £55.00 | Dynamic. This higher initial premium comes with access to all rewards. An engaged 'Gold' status member could see their premium reduce over time, plus gain hundreds of pounds in annual rewards value. |
Key Takeaway on Pricing:
- Legal & General offers price certainty. You know exactly what you'll pay every month for the entire term.
- Vitality offers a potential for savings and value, but requires active participation. You are betting on your own ability to stay engaged and healthy. If you do, the overall value proposition (premiums + rewards) can be exceptional. If you don't, you may end up paying more than you would with a traditional insurer.
For Business Owners, Directors, and the Self-Employed
Protection isn't just for individuals; it's a critical tool for business resilience.
Legal & General for Business
L&G is a market leader in the business protection space, leveraging its reputation for rock-solid, straightforward cover.
- Key Person Insurance: If a business would suffer financially from the death or critical illness of a key employee, L&G's standard life and CIC policies are perfectly suited to provide a lump sum to cover recruitment costs, lost profits, or clear debts.
- Relevant Life Cover: This is a highly tax-efficient way for a limited company to provide death-in-service benefits for its directors and employees. L&G is one of the biggest and most trusted providers in this market. The premiums are paid by the business and are typically an allowable business expense, with no P11D benefit-in-kind implications for the employee.
Vitality for Business
Vitality extends its wellness philosophy into the business world, arguing that a healthy workforce is a more productive and resilient one.
- Executive Income Protection: Vitality offers a company-paid income protection plan for directors. This is paid for by the business (again, as an allowable expense) but pays a benefit directly to the individual, tax-free under current rules. The link to the Vitality Programme is a powerful tool for encouraging senior leaders to stay healthy, reducing sickness absence and improving performance.
- Small Business Health Insurance: Vitality also has a strong presence in the business health insurance market, with plans specifically designed to support the wellbeing of a whole team.
For the self-employed and freelancers, the choice between the two for Income Protection is a classic head-vs-heart dilemma. Do you want the predictable safety net of L&G, or are you motivated by the interactive rewards and income booster from Vitality? This is where a detailed chat with an adviser at WeCovr can help align the right product with your personality and work ethic.
The Verdict: Which Insurer is Right for You in 2025?
There is no single "winner" in this contest. The best insurer is the one that best aligns with your needs, your lifestyle, and your personality.
You should choose Legal & General if:
- ✅ You want a simple, robust, "set-and-forget" policy from a trusted household name.
- ✅ You value the certainty of a fixed premium that will never change.
- ✅ You aren't interested in tracking your activity or using apps to get discounts.
- ✅ You want the reassurance of comprehensive, traditional critical illness definitions.
- ✅ The value of expert nursing support during a claim is more appealing than weekly rewards.
- ✅ You're a business owner looking for straightforward Key Person or Relevant Life Cover.
You should choose Vitality if:
- ✅ You are already active and health-conscious, or you are looking for motivation to become so.
- ✅ You are excited by the idea of being rewarded for healthy living with tangible benefits like free coffee, cinema tickets, and discounted gym memberships.
- ✅ You are willing to engage with the programme to actively manage and reduce your premiums.
- ✅ You prefer the wider safety net of severity-based illness cover, which pays out for more conditions.
- ✅ You're a director who wants to link your personal income protection to your health and wellbeing.
How to Get the Right Advice
Comparing two major insurers is a great start, but the UK market is full of excellent providers like Aviva, Royal London, AIG, and Zurich, each with their own strengths. Navigating this landscape alone can be daunting.
This is the value of independent advice. An expert broker like WeCovr doesn't just sell you a policy; we provide a service. We can:
- Assess Your Needs: We take the time to understand your family, finances, and future goals.
- Compare the Whole Market: We run a comprehensive comparison of all leading insurers to find the most suitable cover at the most competitive price.
- Explain the Details: We cut through the jargon and explain the crucial differences in policy definitions.
- Handle the Application: We help you complete the forms accurately, ensuring a smooth underwriting process.
- Place Your Policy in Trust: We provide invaluable guidance on writing your policy into trust, which can ensure the payout goes to the right people quickly and outside of your estate for inheritance tax purposes.
Choosing between Legal & General and Vitality is a choice between two different philosophies of protection. One offers quiet, steadfast security; the other offers dynamic, interactive engagement. The right choice is deeply personal, and we're here to help you make it.
Is Vitality always more expensive than Legal & General?
What happens if I have a Vitality policy and I stop exercising?
Is Legal & General's critical illness cover better than Vitality's?
Do I need a medical exam to get a policy with either insurer?
Can I switch my existing life insurance policy to L&G or Vitality?
Why should I use a broker like WeCovr instead of going direct to the insurer?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!