Legal & General

Legal & General Life Insurance

Find out if Legal & General's life insurance policies are right for you, whatever stage of life you're in.

4.0 ★★★★★ (447 reviews) Write a review

Legal & General (L&G) life insurance could help you protect your loved ones in case the worst happens. We’ve analysed the policies available from L&G, and you can see what its customers think, in the star rating above.

Legal & General is a British financial services multinational that aims to help people achieve financial security in an affordable way, and offers insurance, mortgages, pensions and other financial services.

Legal & General offers a range of life insurance policies, including level term and decreasing term cover, as well as critical illness cover and policies designed for those over 50.

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Updated regularly
Name Product Age range at application Cover range Term Pays out Joint cover Link
Legal & General Life insurance
Legal & General Life insurance
18-77
Level term and decreasing options available
maximum policy length of up to 50 years up to 90 years old
If a policyholder dies or is diagnosed with a terminal illness, sum will be paid
Optional
Legal & General Decreasing life insurance
Legal & General Decreasing life insurance
18-74
Not specified
From 5 to 50 years (term must end before you turn 90)
If you die or get a terminal illness during the cover period
Yes, but the policy will only be paid out once
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Legal & General Critical illness cover
Legal & General Critical illness cover
18-67
Not specified
From 2 to 40 years (term must end before you turn 70)
f you’re diagnosed with a covered illness or condition
No
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Legal & General Over 50's Life Insurance
Legal & General Over 50's Life Insurance
50-80
Up to £10,000
Unlimited (you pay until you turn 90)
If you die or get a terminal illness during the cover period
No
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What’s covered under my policy?

What’s covered under your policy will depend on the type of policy you have chosen. As this is life insurance, generally the policy will pay out when the insured person passes away.

You do have the option to add Critical Illness Cover, which will offer financial help to your family should you fall ill.

With L&G life insurance, you also have the option to add on Accidental Death Benefit Cover and Terminal Illness Cover to your policy at no extra cost.

It is important to be aware of what is excluded from your L&G life insurance policy before you buy. For further details on these exclusions, take a look at your policy documents. The company won’t pay out if death is a result of the following:

  • Suicide
  • Taking part in a dangerous sport or pastime.
  • Taking part in any aerial flight other than as a fare paying passenger on a licensed plane.
  • Committing, attempting or provoking an assault or criminal offence.
  • War, riot or civil commotion.
  • Drugs or alcohol.
  • Accidents that happened before you applied.
  • Over 50s cover available
  • Able to make changes to policy
  • Accidental death benefit and live cover included
  • No whole-of-life cover

Legal & General fared reasonably well in the 2024 Finder customer satisfaction survey, with 81% of its customers in the survey saying they’d recommend the brand to a friend. Several mentioned that the brand was easy to contact.

One said: “Straightforward application process. Communications are clear but the website could be a bit better.”

On the reviews platform Trustpilot, Legal & General overall has a “great” rating of 3.8 out of 5, based on more than 13,000 reviews (last updated: March 2024).

You can make a life insurance claim by calling Legal & General on specific policy helplines.

There are multiple factors which could impact the cost of your life insurance policy, including:

  • Which cover you choose. Different policies will pay out different amounts and in different ways, which will impact your life insurance premium.
  • Your sum insured. The greater the amount you wish your policy to pay out, the higher the insurance premium.
  • Your health. If you have a pre-existing medical condition, it will increase the price of your insurance premium.
  • Your habits. For example, if you smoke this will increase the cost of your insurance policy.

Frequently asked questions

Life insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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