Legal & General Life Insurance

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

4.0 ★★★★★ (90 reviews) Write a review
Legal & General
Customer rating
★★★★★
Satisfaction survey
Customers praised the ease of set up and communication
Complex pre-existing conditions severity assessment
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.
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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.

Name Product Cover range Term Pays out Joint cover
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
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
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
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

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

Our customer satisfaction scores (“Customers say”) are based on a survey of 798 customers carried out in December 2020.
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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