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Legal & General life insurance

Compare quotes for Legal & General life insurance today

Compare quotes for Legal & General life insurance today

Why get life insurance from Legal & General?

Established in London in 1836, Legal & General (L&G) has been providing financial and asset management services to customers for more than 180 years.

Legal & General Retail helps create brighter financial futures for all its customers. The division covers the savings, protection and retirement needs of around 13 million retail policyholders and workplace members.

In 2022, L&G had total individual annuity sales of £954 million and issued £632 million of lifetime mortgages and retirement interest only mortgages. Its workplace pension platform served 4.9 million members, while its protection businesses gave peace of mind to more than 6.3 million UK life insurance, 1.8 million group and 1.5 million US customers, taking in £3.1 billion of gross written premiums.

As well as life insurance, Legal & General also offers a number of business protection products. These include business life insurance, key person protection and income protection insurance.

How to contact Legal & General

For life insurance enquiries, call Legal & General on 0370 010 4080: Monday-Friday, 9am-5pm. (Call charges may vary. Calls may be recorded and monitored for training purposes.)

For general questions, you can also use the chatbot support service on Legal & General’s website.

Customer support is also available on Twitter (now X): @landg_uk

What types of life insurance can I get with Legal & General?

Legal & General offers the following types of life insurance policies:

  • Level term life insurance
    This type of cover pays out a lump sum if you die within the policy term. Your monthly premiums will stay the same unless you make a change to your policy.
  • Decreasing term life insurance
    Designed to cover a repayment mortgage. The amount you’re covered for decreases roughly in line with the way a repayment mortgage decreases.
  • Increasing term life insurance
    A type of cover designed to protect against inflation and the rising cost of living. Premiums are higher and can increase, but it does mean your pay-out increases over time.
  • Over-50s life insurance
    Specifically designed for people aged 50-80. The cash sum is guaranteed and there’s no need for a medical.

Life insurance from Legal & General can be bought as a single policy or a joint policy.

When you choose a level term or decreasing term policy, Legal & General include the following features as standard:

Accidental death benefit

Receive short-term cover while your life insurance application is being processed.

Terminal illness cover

An early pay-out if you’re diagnosed with a terminal illness and your life expectancy is less than 12 months.

Free life cover

Free life cover between exchange of contracts and completion if you’re buying life insurance to cover your mortgage.

Wellbeing support

Access to registered nurses offering support for your wellbeing and mental health as often as you need.

Care Concierge

Free access to a team of care experts who can help you or your loved ones on all aspects of later life care.

Advance funeral payment

Families can receive an advance payment of up to £10,000 to help cover funeral costs if probate is delayed.

What optional extras are available?

Critical illness cover can be added to level term or decreasing term policies for an additional cost. The cash sum pay-out can provide essential financial support if you’re diagnosed with a critical illness or injury that your policy covers.

Legal & General’s critical illness cover also includes child critical illness cover as standard.

Legal & General offers a waiver of premium option for an additional cost. This means premium payments won’t need to be paid after 26 weeks if the person covered can’t work because of illness or injury.

These optional extras can only be added at the start of your policy.

Why compare life insurance with Compare the Market?

Our comparison service is quick and easy to use. Just give us a few details and we’ll compare Legal & General as well as other top life insurance providers to help you find cover.

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It takes just 4 minutes[1] to get a life insurance quote with Compare the Market

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[1] Correct as of September 2023.

What Defaqto star ratings do Legal & General insurance policies get?

Legal & General’s term life insurance, over 50s and some critical illness cover policies are rated 5 stars by industry experts Defaqto.

A Defaqto 5-star rating corresponds to an ‘excellent product with a comprehensive range of features and benefits’.

How well is Legal & General reviewed on Trustpilot?

In October 2023, Legal & General was rated 2.6 on Trustpilot.

See Legal and General’s current Trustpilot rating

Frequently asked questions

Can I cancel a policy with Legal & General?

The quickest way to cancel your policy is by logging into MyAccount. Alternatively, you can fill in a secure cancellation form or call Legal & General on 03700 600 015 (Monday-Friday, 9am-6pm).

If you cancel within 30 days of starting your cover, you should receive a refund for any premiums paid. If you cancel after the 30-day ‘cooling-off’ period, you won’t get any money back.

Who underwrites policies from Legal & General?

Legal & General’s life policies are underwritten by Legal & General Assurance Society Limited.

What additional benefits are available from this provider?

Additional benefits of buying a Legal & General life insurance policy include:

  • More than 180 years of experience
  • 80% of underwriting decisions are instant
  • The option to make changes to your policy
  • Choice of a free Amazon or M&S gift card
  • Funeral Benefit option for over-50s life insurance policyholders
  • Option to put your policy in trust.