Better Health for All
10
Legal & General demonstrates exceptional commitment to mental health, with its "Not a Red Card" campaign engaging 3.5 million people on social media.
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The company offers a comprehensive Mental Health Care Pathway, early intervention, preventative support, tailored treatment, Mental Health First Aid training, an Employee Assistance Programme (EAP) providing up to eight counselling sessions, a mental health app (Unmind), Bupa mental health support, and a Wellbeing Advisory Board.
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Mental illness is the single biggest cause of claims for its Group Income Protection policies.
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The company's principal goods and services, while primarily financial, include health-positive offerings such as Group Income Protection with mental health pathways, virtual GP, physiotherapy, and the Health Equity Fund, demonstrating a strategic focus on health impact. For example, 62% of employees using the Virtual GP service avoided time off work, and 57% using online physiotherapy returned to work swifter.
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Legal & General has no revenue from products with direct negative health impacts, and its financial products do not have addiction potential or direct safety implications for users. The company is ISO/IEC 27001 certified, has a Security Controls Framework, and provides annual mandatory information security training for employees, demonstrating excellent health data practices.
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No significant negative health externalities from operations are evidenced. The company does not hold healthcare-related patents, produce food or nutritional products, or conduct clinical trials.
Fair Money & Economic Opportunity
-10
Legal & General provides customer data portals, including a new app launched in September 2024 for Workplace pension members to track pension value, manage investments, and view transaction history
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. An online claims journey allows Retail Protection customers to monitor claim progress 24/7
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. For financial literacy, L&G's RedSTART partnership delivered workshops to over 3,000 pupils in 2024
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, with the program serving 25,000 pupils across seven UK regions
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and showing a statistically significant positive effect on financial knowledge
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. A Guided Retirement Planner is available to 5.4 million direct contribution workplace members
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. The company also runs a TikTok channel with 7.1 million video views in 2024
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and a podcast in the top 5% of all podcasts
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. For product simplicity, the readability of the Income Protection Policy Benefit Terms and Conditions improved from 'over 18 years' to 'under 12 years'
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. The Institutional Retirement business received the Crystal Mark from the Plain English Campaign for the clarity of its documentation
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Fair Pay & Worker Respect
40
Legal & General is a Real Living Wage Employer, accredited since 2013, and has met its commitment to achieve 100% coverage for people in dedicated roles in its real estate portfolio and those directly contracted by its Real Estate business.
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The CEO median pay ratio was 54:1 for the 2023 financial year.
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The Total Recordable Injury Frequency Rate (TRIFR) for employees and contractors based in offices was 0.5813 per 100,000 hours in 2024, which translates to 1.1626 per 200,000 hours.
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The median gender pay gap was 28.0% in 2024.
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The Employee Engagement Index was 80% favorable in 2024, seven percentage points higher than the industry benchmark.
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The voluntary employee turnover rate was 6% in 2024.
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Fixed-term contracts account for 2.8% of employees, and all UK employees have access to private medical insurance.
7
Fair Trade & Ethical Sourcing
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All supplier contracts stipulate compliance with the Modern Slavery Act 2015 for in-scope suppliers
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, and modern slavery audits are carried out in the supply chain by an independent specialist
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. No direct cases of modern slavery were found in 2024
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, although indicators of human rights infringements and some labour irregularities were identified, which did not require escalation to authorities
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. The company conducts proactive risk assessments, including a micro supplier inherent risk assessment on its top 97 suppliers by spend and priority in 2024
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, and plans to map its supply chain beyond tier one for high-risk suppliers
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Honest & Fair Business
0
Legal & General Group PLC incurred a $3.5 million regulatory fine in 2022, imposed on Banner Life Insurance Company by the New York Department of Financial Services, related to consumer protection offenses.
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The company maintains comprehensive whistleblowing policies and procedures, which include anonymous reporting channels via email or freephone, and ensure confidentiality.
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These policies are supported by compulsory training programs and a zero-tolerance stance on retaliation against whistleblowers.
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Investigations are conducted fairly and impartially, with oversight from a Whistleblowing Oversight Committee that meets quarterly to assess effectiveness and ensure timely case resolution.
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An Independent Non-Executive Director also serves as the Whistleblowing Champion, providing additional governance.
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Kind to Animals
0
Legal & General Group PLC is a financial services company, and its core business operations do not involve animal testing, animal agriculture, or the use of animal-derived ingredients. Consequently, KPIs related to cruelty-free certification, alternative testing, humane operations, ethical input substitution, supplier audits, cage-free sourcing, animal testing policy/volume, innovation investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable. While LGIM participated in a debt-for-nature swap creating $323 million for marine conservation,
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the evidence only states the initiative's aim to protect species, not measured outcomes of biodiversity impact or species recovery. For public policy engagement, LGIM co-filed a shareholder resolution on antimicrobial use in a supply chain
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and launched funds with ethical exclusions;
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however, these actions relate to corporate governance and investment strategy, not direct engagement in public policy improvement or advocacy for higher legislative/regulatory standards.
No War, No Weapons
-30
Legal & General invested approximately $5 billion in arms companies between 2020 and 2022, positioning it among the top 10 European investors in the defense sector.
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In March 2025, the company announced plans to increase its exposure to the defense sector.
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Despite this, L&G Asset Management has a Controversial Weapons Policy, dated March 2025, that defines specific "red lines" for investment, banning companies involved in cluster munitions, anti-personnel landmines, and biological and chemical weapons.
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This policy commits to seeking to divest holdings within 90 days when new companies are identified for the exclusion list.
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The policy is implemented for all non-US pooled active funds and certain non-U.S. pooled index funds, and for certain segregated mandates as per client requests, with US pooled funds applying these policies to the extent permitted.
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Planet-Friendly Business
-10
Legal & General reported total Scope 1, 2, and 3 greenhouse gas emissions of 5.23 million tCO2e in 2024.
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The company has SBTi-validated targets
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, including a 1.5°C objective for its asset portfolio with a 50% reduction in GHG emission intensity by 2030.
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In 2024, 86% of electricity was procured from renewable sources.
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It achieved 100% waste diversion from landfill in 2024.
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As of 2024, 68% of suppliers by spend have science-based carbon reduction targets.
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The company's reporting is in accordance with all 11 TCFD recommendations.
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It utilizes the LGIM Destination@Risk toolkit for climate scenario analysis
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, using four scenarios including 1.5°C and Below 2°C pathways.
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The company discloses £2.0 billion exposure to companies with revenue linked to coal
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and has a Real Estate Net Zero Carbon Roadmap.
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Respect for Cultures & Communities
30
Legal & General has over 20 formal partnerships with various community and educational groups, including RedSTART Educate, Age UK, and the Royal Botanic Gardens, Kew.
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An independent and confidential whistleblowing hotline is available to employees, suppliers, customers, and other stakeholders across all operations.
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Whistleblowing investigations are tracked against a 60 working-day service level agreement.
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No specific cultural appropriation incidents have been reported.
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Safe & Smart Tech
-10
Legal & General Investment Management (LGIM) ensures human oversight for AI and integrates AI responsibly.
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The Group is actively strengthening its Data Management, AI, and Emerging Technology Risk frameworks, including reviewing policies and hiring a dedicated manager in 2025.
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LGIM also outlines expectations for companies on AI usage, focusing on governance, risk management, and transparency.
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The company is ISO 27001 certified.
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Legal & General encrypts all information provided by users before it is sent, recommending 128-bit encryption, and uses a secure email solution for confidential communications.
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For AI-driven decisions, users can obtain explanations and request a human review.
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Users have rights under data protection law, including access, correction, and erasure.
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Dual-factor authentication is utilized, and the company may require proof of identity.
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Systems are regularly monitored for vulnerabilities, with risk assessments and penetration testing conducted.
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Security testing includes designing solutions for new services.
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However, Legal & General collects an extensive range of personal information, including health, family details, visual images, and location data, retaining some for 7 years and pension product data indefinitely.
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The company adheres to UK GDPR, the Data Protection Act 2018, and other applicable regulations, is registered with the ICO, and regulated by the PRA and FCA.
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Zero Waste & Sustainable Products
-10
Legal & General has achieved 100% waste diversion from landfill in all offices and directly delivered housing development projects where it is responsible for waste management.
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The company also exceeded its target to reduce overall waste volumes per core occupied office by 20% from a 2019 baseline, achieving a 41% reduction.
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This was supported by initiatives such as the Reuse Exchange marketplace and a partnership with Globechain to enhance circular economy practices.
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Legal & General has a company-wide target to reduce overall waste volumes per core occupied office by 20% from a 2019 base year by 2025.
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The company aims to minimize and design out waste through the careful implementation of circular economy principles, applying them to its operations and real estate assets.
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Its supplier sustainability questionnaire incorporates themes including the circular economy, and the weighting of sustainability in tenders was increased to 20% by December 2022.
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Furthermore, the Vizta occupier engagement platform, including the Reuse Exchange, provides sustainability insights and a reuse marketplace to educate customers (occupiers) on circular economy principles and waste avoidance.
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