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’s life insurance policy 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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As mentioned above, Legal & General is a British financial services multinational. L&G aims to help people achieve financial security in an affordable way, offering insurance, mortgages, pensions and other financial services.

Legal & General offers a range of life insurance policies, including Life Insurance, Mortgage Life Insurance, Critical Illness Cover, Over 50s Life Insurance and Parent Free Life Cover.

Life Insurance is there to provide your family with financial security should you die during the length of the policy. It will provide you with the peace of mind that your family will be able to manage without you around.
Mortgage Life Insurance is designed to help you pay off the mortgage if you die during the policy. Meaning your family will be able to stay in the family home after you pass away.
Critical illnesses affect people of all ages, and can have a significant impact on a family. You can chose to add Critical Illness Cover to your policy to help your family should you fall ill.
The Over 50s Life Insurance allows seniors to leave a fixed cash sum for loved ones when they die. You can also opt to add funeral benefit to the policy to help with funeral costs.
If you’re the parent of a young child, and you’re worried about the thought of leaving your child with nothing when you die, the Parent Free Life Cover may be for you.

Legal & General is offering £15,000 of free life cover for 12 months to parents with children under the age of 5.

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.

What is not covered under my policy?

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.

What is my excess?

There is no excess on Legal & General’s life insurance policies. It would be unpleasant enough to have to claim on the life insurance policy without having to pay an excess as well.

How much is this going to cost me?

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.

The claims process will change depending on what you are claiming on. To find out the best way to make a claim for your policy, please visit the website.


Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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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