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.
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 is provided and underwritten by Legal & General Insurance Limited.
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.
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
Legal & General life insurance customer reviews
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).
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
Premiums start at £6 per month, but your insurance costs will vary greatly based on things like your age and health, as well as the type of insurance and level of cover you need.
Yes, you may be able to change your policy, provided you are under the age of 45 and have not had a premium increase applied to your policy.
Life insurance payments are currently not subject to income and capital gains tax for UK residents, but may be subject to inheritance tax.
If you’re more than 30 days late with your monthly payment, your cover will be stopped and you will have to take out a new policy.
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.
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