Our approach

Our approach is tailored to the needs of our clients. We first seek to develop a deep understanding of our clients’ business models, strategy and capabilities to develop reinsurance solutions that best allow them to meet their objectives:


We work closely with our customers to fully understand their business.


We respond rapidly to clients’ needs in a constantly changing market.


We deliver new ideas and new technology to provide a world class customer experience. 

Our specialisms

We develop our custom solutions across our three core specialisms, based on detailed and in-depth analyses of your business.

Asset performance risk

We take on risk related to the performance of assets backing the business our clients write.  We guarantee their performance through our investing expertise as a Group.

Mortality and longevity risk

We are experts in biometric risks, with extensive capabilities across multiple geographies.

Global intermediation

We can also assist our clients in transferring risks globally, helping them achieve the protection that is best suited to their needs.

Access to world-leading expertise

As part of the L&G group, we make use of our pool of experts across our three broad business areas:

Investing and Annuities

  • Legal & General Retirement (LGR) ‘LGR Institutional’ provides pensions de-risking solutions for defined benefit pension schemes. ‘LGR Retail’ helps customers manage their finances in retirement and has a growing lifetime mortgage business.
  • Legal & General Capital (LGC) aims to increase the risk adjusted returns on the group’s shareholder assets with a focus on housing, urban regeneration, clean energy and SME financing.

Investment Management

  • Legal & General Investment Management (LGIM) provides investment management for pension schemes and institutional clients, as well as managing auto-enrolled pension schemes and retail investments.


  • Legal & General Insurance (LGI) provides life insurance products for UK and US customers. Our UK group protection business provides insurance cover for employees.
  • General Insurance provides household insurance and other personal insurances such as pet, travel and lifestyle cover.

Talk to us

Want to find out more?

One of our specialists will be happy to talk to you