Legal & General Life Insurance
Find out if Legal & General's life insurance policies are right for you, whatever stage of life you are in.
Who is Legal & General?
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’s life insurance policies
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
Legal & General life insurance exclusions
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:
- 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.
Benefits of Legal & General life insurance
- Over 50s cover available
- Able to make changes to policy
- Accidental death benefit and live cover included
Drawbacks of Legal & General life insurance
- No whole-of-life cover
What is the claims process for Legal & General life insurance?
You can make a life insurance claim by calling Legal & General on specific policy helplines.
What affects the cost of Legal & General life insurance?
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
Our customer satisfaction scores ("Customers say") are based on a survey of 1,587 customers carried out in December 2022.
Learn the details of our methodology and scoring.
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