I have been with LegaL & General for a 'With Profits' investment since 2008 and returns on the whole have been good but this years returns on the 'With Profits' Growth Bond is a dsappointmentt a measley 2% for the declared bonus (2012). Legal % General are very polite and helpful on the telephone and my investment applications have been processed with efficiently. However, investors investing with this company should note the high penaulties for early cash in charges which can be between 5 - 10% in the early years, so do not invest if you cannot commit for at least 5 years.