Legal & General Life Insurance Reviews 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 31st December 2023

legal and general life insurance reviews

Welcome to our legal and general life insurance reviews page. Legal & General is among the largest insurance providers in the United Kingdom.

Without a comprehensive life insurance policy, would those close to you be able to do the following if you passed away?

  • Repay the mortgage
  • Cover college tuition fees
  • Pay off any outstanding debts
  • Fund their existing lifestyle
  • Purchase a new property
  • Plan for funeral and cremation costs
  • Resolve inheritance tax liabilities

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Legal & General Life Insurance Summary Table

Life Insurance from £5 a monthOffers a fixed premium to help with budgeting, provided by the UK’s No.1 Life Insurance provider.
Coverage DetailsCovers death or terminal illness within the policy length. Premiums are guaranteed, with additional benefits like Free Life Cover and Accidental Death Benefit.
Critical Illness CoverOptional add-on to the life insurance policy for extra protection.
Wellbeing SupportFree access to a team of Care Experts to help understand and find later-life care.
Care ConciergeFree access to a team of Care Experts to help understand and find later life care.
Decreasing Life InsuranceDesigned to protect a repayment mortgage, with decreasing cover in line with the mortgage.
Single or Joint Life InsuranceOptions to cover one person or two lives, with joint life insurance paying out upon the first insured person’s death.
Claim ProcessThree-step process including getting in touch, assessment, and payout within 5 working days if accepted.
Additional BenefitsIncludes options like Free Life Cover, Terminal Illness Cover, and the possibility to add Critical Illness Cover at an extra cost.

About Legal and General

Legal & General is a British financial services company that offers a range of insurance and investment products.

The company was founded in 1836 by Sergeant John Adams and five other lawyers and originally operated under the New Law Life Assurance Society.

Today, Legal & General serves over 10 million customers and manages over £1 trillion in assets worldwide.

The company’s policies are provided by its subsidiary, Legal & General Assurance Society Ltd and regulated by the Financial Conduct Authority.

Commonly known as L&G, Legal & General is a trusted provider of financial services products in the United Kingdom.

At the Moneyfacts Consumer Awards 2020 and 2024, Legal & General was chosen Life Insurance Provider of the Year.

It also has a 5-star Defaqto rating. Legal and General paid out 97% of life insurance claims and 92% of critical illness claims to clients in 2020.

Information on Life Insurance from Legal & General

A life insurance policy helps protect the client’s family if they pass away, and the money received from this type of policy can help family members pay outstanding debts, continue making mortgage payments, and cover the cost of living when the policyholder is no longer around.

For clients to apply for a Legal & General life insurance policy, they must be a resident of the United Kingdom between the ages of 17 and 77 – applicants aged 17 must also write their plan in trust.

Clients can choose level term or decreasing term policy options for the life cover depending on their circumstances and needs.

Level Term Life Insurance

For those choosing a level term policy, their policy will pay out a lump sum when they pass away within a specified term, and the amount being paid out will remain the same throughout the life of the policy.

Level term policies through Legal & General must have a minimum term of one year and a maximum term of 40 years.

Decreasing Term Life Insurance

The other option Legal & General offers is a decreasing term policy. This policy provides a lump sum payment that will decrease over time, generally in line with the decline of a mortgage payment or until the policyholder’s children grow older to the age of 18.

Decreasing life insurance policies generally tend to be cheaper than level term policies since the beneficiaries receive lump sum decreases over time.

Applicants must be under the age of 74 to apply, and the policy must have a minimum term of 5 years.

Additional Benefits

Free Life Cover

If you want to take out life insurance to cover your mortgage, you may be interested in knowing that you can get free cover between the exchange of contracts and the completion of your property purchase for up to 90 days.

Free life cover is available if the policyholder dies before the property purchase is completed and before their life insurance starts.

This can provide peace of mind for those worried about a large financial commitment.

Accidental Death Benefit

Legal and General covers you for accidental death until they have either accepted or rejected your application, up to 90 days after processing has begun.

If you died in an accident during that period, you’ll be insured for up to £300,000.

Funeral Costs Are Paid in Advance

If your life insurance payment is delayed because of probate, your family may be entitled to an advanced payment of up to £10,000 to help cover funeral costs. The money is directly given to the funeral home or director.

Second Medical Opinion Service

Legal and General have teamed up with Healix Health Services Ltd to provide policyholders with a second medical opinion service at no additional cost in case of a terminal illness claim.

Over 50’s Life Insurance

Legal and General Over 50’s life insurance plan is designed for people aged between 50 and 80. 

The main feature of this policy is that it comes with guaranteed acceptance, which means that you will be accepted for cover regardless of your health or lifestyle.

No medical examinations are required; you can tailor the policy to suit your needs. Premiums are typically paid monthly and will cease at the age of 90.

However, your cover will continue even after this age. Your family will receive a lump sum payout if you die while the policy is in force.

Joint Life Insurance Policies

Couples seeking life insurance may consider Legal and General’s joint life insurance.

Joint life insurance is a policy that insures both spouses and pays out a death benefit to the surviving spouse when either dies.

The primary benefit of joint life insurance is that it can be cheaper than two separate policies.

However, there are considerations when choosing between single and joint policies. For instance, it only pays out once, so the surviving individual must find new coverage.

Also, if one spouse has health issues, it could affect their premiums.

Legal and General will allow you to split the policy into two single policies if your relationship ends, a feature, not many other insurance providers offer.

Adding Critical Illness to a Legal & General Life Insurance Policy

Clients who purchase a life insurance policy through Legal & General can add critical illness cover to their plan at no additional cost.

If the policyholder is diagnosed with one of the listed critical illnesses during the life of the policy, they can be paid a lump sum to help assist with the effects and costs of contracting that illness.

The lump sum paid out from critical illness coverage is not as much as that offered through a life insurance policy, but it can still make a significant financial difference.

An example is if a policyholder wishes to take out a £200,000 life insurance policy to protect their mortgage but also add critical illness cover with a value of £50,000.

Policyholders can add whatever amount of critical illness cover they wish to add to a standing life insurance policy.

Legal and General will cover over 40 conditions ranging from cancer to blindness to Alzheimer’s disease. It is important to know and understand the full list of conditions covered.

Free Child Critical Illness Cover

When adding critical illness cover to your life insurance policy, you are entitled to Children’s Critical Illness Basic Plan as standard.

Your child must be between 30 days and 18 years old, or 21 years old if they are in full-time education, to be included.

It covers 31 conditions that payout fully and two illnesses in which you will receive a partial payment. The maximum payout is £25,000, or 50% of the policy’s coverage amount, whichever is lower.

You can upgrade to the Children’s Critical Illness Extra Plan for an additional cost.

This offers a maximum payout of £30,000 or 50% of the policy’s coverage amount. It covers 76 illnesses and eight serious conditions that are specific to children.

Acceptance Criteria for Life Insurance

When conducting our legal and general life insurance reviews, we discovered that for applicants to be accepted for an insurance policy through Legal & General, they must meet a certain number of basic criteria.

First, the individual looking for a Legal and General life insurance quote must be generally healthy, not hold a dangerous occupation and not partake in any type of dangerous hobbies.

Additionally, applicants must also be between the ages of 17 and 77 years of age and be permanent residents of the United Kingdom.

Once the application has been submitted, an insurance agent may request more medical information.

Terminal Illnesses and Life Insurance through Legal & General

All of the life insurance policies through Legal & General also include terminal illness cover.

This enables the individual and their loved ones to claim on the insurance policy that will pay out the lump sum when the individual is diagnosed with a critical illness.

A terminal illness is a medical condition expected to cause the individual to pass away within 12 months. Generally, the Medical Officer from the company will need to confirm the illness when it occurs.

The Cost of Life Insurance Policies through L & G

The cost and the premium payments of a life insurance policy through Legal & General will vary from one applicant to the next.

Some deciding factors that will affect the cost of the life insurance policy include the applicant’s health, age, and the amount and types of coverage they choose to include in their plan.

Generally, premium payments can start as low as £6 a month but will increase depending on what types of options the individual chooses to include.

How Much Life Insurance do You Need?

Determining how much cover you will require and how long will depend on several factors.

If you have young children, a mortgage, or any other outstanding debts, you must have enough life insurance to protect your loved ones financially.

The last thing you want is for your family to be saddled with unpaid bills after you’re gone.

You should ensure that your policy provides enough financial security to replace your income and support your family. This will ensure that they can maintain their standard of living after you are no longer around.

Increasing Your Life Insurance Benefit

If your life circumstances have changed since you first purchased your policy, such as getting married or having children, you might want to increase the amount of your life insurance.

If you are under 55 years old and any of these changes apply, you are entitled to increase your health insurance benefit without having to answer any additional medical questions. 

  • Birth or adoption of a child
  • Marriage or civil partnership
  • Your earnings have increased due to a promotion or a change of employment
  • Your mortgage has increased; you move house or have undertaken home improvements

You must inform Legal and General within six months of the event to increase your life policy.

Client Legal and General Life Insurance Reviews

According to an online survey and ranking website, Legal & General has an overall 98 percent rating from over 470 respondents who stated they would buy from them again.

The company also has an excellent rating from, with over 85 percent of respondents recommending the services that Legal & General offers.

We hope you found our legal & general life insurance reviews beneficial. Please feel free to contact us with any questions you might have.

Further life insurance company comparisons can also be worthwhile before deciding upon any financial commitments, and we encourage people to do this.

Legal And General Life Insurance Review In Conclusion

No one likes to think about their own death, but it’s important to have a life insurance policy in place to take care of your loved ones financially if something happens to you.

A life insurance payout can provide peace of mind and financial security at a difficult time, and we can help you find the right policy for your needs.

Get a no-obligation free life insurance quote today and give yourself and your loved one’s peace of mind knowing you’re protected.

We include life insurance with legal and general in our quotation process to ensure you get a full range of options.

Further Information for those interested in a Legal and General life insurance quote:

Legal & General Insurance Limited
Company registered number 423930. Registered number 202050
Address: 1 Coleman St, London EC2R 5AA
Hours: Open 9 AM, Closes 5 PM

Phone: 020 3124 2000

How to Make a Life Insurance Claim at Legal and General

legal and General life insurance claims can be made by contacting them at:

Legal & General Assurance Society Limited
Address: City Park, The Droveway, Hove East Sussex, BN3 7PY


Phone: 0800 137 101