Legal & General Life Insurance

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

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Legal & General

Legal & General life insurance could help you protect your loved ones in case the worst happens. L&G has been awarded the UK’s No 1 life insurance provider, based on new individual life insurance sales in 2016 (Term & Health Watch Report 2017, Swiss Re). Continue reading to find out if it has the right life insurance policy for you.

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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.

Updated January 21st, 2020
Name Product Age range at application Cover range Term Pays out Joint cover
Legal & General Life insurance
Legal & General Life insurance
18-77
Not specified
From 1 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
You can get cover for up to 50 years, provided you will not turn 90 before the end of the policy term. Your premiums and potential payout amount stay consistent throughout the term.
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
Your potential payout will reduce over time, as will the size of your premiums. This is designed to cover the reducing cost of a mortgage or other large debt.
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
This provides additional cover for a range of illnesses and conditions, and can be added to your regular life insurance when you take out a policy.
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
If you’re over 50, you can get ongoing life cover that protects you until you pass away, You continue to pay premiums until you turn 90, with a maximum cover level of £10,000.

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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.

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:

  • 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.

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

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.
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