What we do.

Our business is designed to reflect the risk, savings and investment needs of our customers at various key stages of their lives. We believe that our products provide benefits to our customers and to society as a whole.

Our customers benefit from dealing with a company that can understand their various financial requirements, there is also a public policy benefit. We provide an important social role through our products which reduce the likelihood of people falling back on the State as a result of loss of income, homelessness or poverty in retirement.

Our Risk business helps protect customers against certain unforeseen events. Customers pay upfront premiums in return for insurance and protection products and to buy annuities to provide a retirement income. We work hard to deliver on our promises and pay all eligible claims, helping individuals to cope with the financial consequences of events such as bereavement, illness, damage to property or outliving their savings in old age.

Our Savings business helps customers with financial planning, savings and investments. Customers invest money through unit trusts, ISAs, bonds, index trackers and pensions.

Our Investment Management business (LGIM) invests money on behalf of its clients. We are the largest manager of UK sourced pension assets and one of the largest investors in the UK stock market.

Our International businesses combine our mature existing international businesses in the United States, France and the Netherlands, with selective expansion in the fast-growing middle class wealth of emerging markets.