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Legal & General Life Insurance

From a humble beginning in a London coffee shop, Legal & General have gone on to become one of the most trusted and respected names UK wide.

Get a Legal and General Life Insurance quote today…

✓ From £5 a month, 20p a day
✓ Fixed premiums so you can budget
✓ UK’s No.1 Life Insurance provider**

Get a quick quote for Legal & General life insurance today and protect the ones you love. Affordable Legal and General life insurance is just a click away. You can get covered with the best value life insurance in minutes and with no forms or medicals.

Why Legal & General Life Insurance?

Our specialists here at Insured-Life can help you navigate the variety of life insurance products offered by Legal & General and guide you through their application process to make the road to protection as smooth as possible.

Here are just some of the reasons we are happy to offer Legal & General life insurance:

• In 2014 they were voted Best Life Insurance Provider at the Personal Touch Awards and in 2013 they were voted Protection Provider of the Decade at the LifeSearch Awards!
• In 2013 they paid out £242 million in Critical Illness and Terminal Illness claims – helping over 3400 people when they needed it most.
• They are the UK’s number one term assurance provider based on new individual term assurance sales in 2013.*
• Their minimum life insurance premium starts from as little as £6 per month, that’s just 20p a day (your actual premium will depend on your individual needs and circumstances).
• Their policies come with extra benefits at no additional cost to you, such as Terminal Illness Cover and Accidental Death Benefit.

Accidental Death Benefit is included as standard on all term assurance applications at no extra charge, and will pay out if the policy holder dies as a result of an accident while their application is being underwritten. 

Accidental Death Benefit

• Will be provided for up to 90 days.
• Will be added as soon as a completed application is submitted for an underwriting decision.
• Applies only if the only cause of death is due to an accident.

If you were to claim:

• Legal & General will pay out the amount you wish to be covered for on your application, or £300,000, whichever is the lower.
• In the case of joint life applications, payment will only be on the first life.
• In the event of a claim, Legal & General will only pay out on one of the following, accidental death benefit, free life cover, immediate cover or the policy applied for, not on all four

Terminal Illness Cover

Terminal Illness Cover will pay out a cash lump sum if the life assured becomes terminally ill.

• Terminal Illness cover comes free automatically.
• A claim will be paid if you are diagnosed as being terminally ill, and in the opinion of a registered NHS consultant and our Medical Officer, and the illness is expected to lead to cause death within the next 12 months.
• This policy feature will no longer be available in the final 12 months of your policy.

If mortgage or decreasing cover is chosen, then the terminal illness cover will also decrease as time passes.
If after a claim is paid, and the policy holder survives for longer than 12 months, Legal & General will not request a penny back.

Reasons to buy Legal and General life insurance:

  • Reputation: Legal & General is an established company with a long history in the insurance business. This might give you confidence in their ability to manage your policy and pay out when needed.

  • Range of Products: They typically offer a variety of life insurance products, allowing you to choose the one that best meets your needs. This might include term life insurance, whole life insurance, and universal life insurance.

  • Flexible Features: Legal & General’s policies often come with a range of features and options, such as adding critical illness cover or the ability to increase or decrease your cover over time.

  • Competitive Rates: Legal & General often offer competitive premiums, although the price will depend on your individual circumstances.

  • Financial Strength: Legal & General has typically been rated well by financial rating agencies, indicating their financial stability and ability to pay out claims.

  • Customer Service: Many customers appreciate the level of customer service offered by Legal & General.

As with any financial decision, it’s crucial to do your own research, consider your personal needs and circumstances, and, if needed, consult with a financial advisor. You’ll want to read the policy documents carefully to understand exactly what is and isn’t covered.

Helping you make sound
financial decisions

Legal & General is a leading provider of life insurance products, offering a range of policies designed to meet the diverse needs of individuals and families. Their life insurance policies help provide financial security and peace of mind to policyholders by ensuring that their loved ones are protected in the event of the policyholder’s death. Here is an overview of the types of life insurance policies offered by Legal & General:

Term Life Insurance:
Term life insurance provides coverage for a specified period, usually ranging from 10 to 30 years. If the policyholder dies within the term, the beneficiaries receive a tax-free death benefit. If the policyholder survives the term, the policy expires, and no payout is made. Term life insurance is generally more affordable than other types of life insurance and is suitable for individuals who require coverage for a specific period.

Whole Life Insurance:
Whole life insurance offers lifelong coverage, as long as the policyholder continues to pay the premiums. This type of policy not only provides a death benefit but also accumulates cash value over time, which can be borrowed against or used for investments. Whole life insurance is generally more expensive than term life insurance but offers the added advantage of a cash value component.

Universal Life Insurance:
Universal life insurance is a flexible policy that combines the features of both term and whole life insurance. It offers permanent coverage, cash value accumulation, and the ability to adjust premium payments and death benefits as the policyholder’s needs change. This type of policy is suitable for individuals who desire flexibility in their life insurance coverage and want to adjust it according to their changing financial circumstances.

Legal & General life insurance policies come with various features and benefits, such as competitive premium rates, financial stability, optional riders to customize coverage, guaranteed renewability and conversion options, and terminal illness and critical illness coverage. The company is known for its strong credit ratings and efficient claim processing, ensuring that beneficiaries receive their payouts promptly.

Legal & General life insurance policies offer various features and benefits that cater to the diverse needs of individuals and families. Some of the key features and benefits of their life insurance policies include:

Competitive premium rates: Legal & General is known for offering competitive premium rates, making their life insurance policies more accessible and affordable to a broader range of customers.

Financial stability and strong credit ratings: Legal & General has a strong financial foundation and high credit ratings from reputed agencies, reflecting their ability to meet policyholder obligations and pay claims promptly.

Optional riders to customize coverage: Legal & General offers various riders that can be added to the base life insurance policy to enhance coverage. These riders allow policyholders to tailor their policies to meet specific needs, such as adding critical illness coverage, disability income protection, or accidental death benefits.

Guaranteed renewability and conversion options: Many of Legal & General’s term life insurance policies come with guaranteed renewability and conversion options. This means that policyholders can renew their term policies without undergoing additional medical underwriting or convert their term policies into permanent policies, such as whole life or universal life insurance.

Terminal illness and critical illness coverage: Legal & General life insurance policies may include provisions for terminal illness or critical illness coverage. This means that if the policyholder is diagnosed with a terminal illness or specific critical illnesses, they may be eligible to receive a portion of the death benefit while still alive, which can be used to cover medical expenses or other financial needs.

Trust services: Legal & General offers trust services to help policyholders manage the payout of their life insurance policies. By placing the policy in trust, policyholders can ensure that the death benefit is paid directly to their chosen beneficiaries, potentially avoiding inheritance tax and reducing the time it takes for beneficiaries to receive the payout.

These features and benefits make Legal & General life insurance policies a reliable choice for individuals seeking financial security for themselves and their loved ones. By understanding the different types of life insurance and their associated benefits, policyholders can make informed decisions and choose the right policy for their needs.

Choosing the right Legal & General life insurance policy involves considering your unique needs, financial goals, and personal circumstances. Here are some steps to help you make an informed decision:

Assess your needs: Consider why you need life insurance and what you want the policy to achieve. Factors to consider include providing financial support for dependents, covering outstanding debts, or funding future expenses like children’s education or your spouse’s retirement.

Determine the coverage amount: Estimate how much coverage you need to fulfill your financial goals and protect your loved ones. Take into account your current income, assets, liabilities, and future expenses when calculating the coverage amount.

Select the policy type: Legal & General offers various policy types, including term life, whole life, and universal life insurance. Understand the differences between them and choose the one that best suits your needs and budget.

Term life insurance is typically more affordable and provides coverage for a specific period. It’s suitable for those who need protection for a certain time frame, such as until their children become financially independent or their mortgage is paid off.

Whole life insurance offers lifelong coverage and accumulates cash value over time. It’s suitable for those who want guaranteed protection for their entire life and are interested in the cash value component.

Universal life insurance provides flexible coverage, cash value accumulation, and adjustable premium payments and death benefits. It’s suitable for those who want a more customizable policy that can adapt to their changing financial circumstances.

Review optional riders: Legal & General offers various riders that can be added to enhance coverage. Consider whether you need additional protection, such as critical illness, disability income, or accidental death benefits, and choose the appropriate riders.

Compare quotes: Obtain quotes from Legal & General and other insurance providers to ensure you’re getting competitive premium rates and coverage options. Comparing quotes can help you identify the best policy for your needs and budget.

Evaluate the insurer’s reputation: Research Legal & General’s financial stability, credit ratings, and customer reviews to ensure they have a strong track record of meeting policyholder obligations and paying claims promptly.

Consult a professional: Seek advice from a financial advisor or insurance agent to help you analyze your needs and select the most suitable policy. These professionals can provide valuable guidance and help you navigate the life insurance landscape.

By following these steps, you can make an informed decision and choose the right Legal & General life insurance policy that best meets your needs and provides financial security for your loved ones.

The application and underwriting processes for Legal & General life insurance are designed to assess the risk associated with insuring an applicant and determine the appropriate premium rate. Here’s an overview of these processes:

Application Process:
Gather personal information: Be prepared to provide personal details such as your name, address, date of birth, occupation, and contact information.

Complete a questionnaire: You will need to answer questions about your medical history, family medical history, lifestyle habits (such as smoking and alcohol consumption), and any hazardous activities you may participate in (e.g., skydiving or scuba diving).

Choose coverage and policy type: Select the type of life insurance policy (term, whole, or universal) and the coverage amount you desire. You can also choose optional riders to enhance your coverage.

Designate beneficiaries: Provide information about your chosen beneficiaries, including their names, dates of birth, and relationship to you.

Review and sign the application: Carefully review the information you’ve provided in the application to ensure it’s accurate and complete. Any discrepancies or omissions may lead to delays or complications during the underwriting process or when filing a claim. Once you’re satisfied with the information, sign the application.

Underwriting Process:
Medical examination: Depending on your age, coverage amount, and health history, Legal & General may require you to undergo a medical examination. This typically involves a basic physical check-up, blood and urine tests, and may include additional tests depending on your medical history.

Review of application and medical records: The underwriter will review your application, medical examination results, and may request additional information or records from your healthcare providers to gain a comprehensive understanding of your health status.

Risk assessment: The underwriter will assess the risk associated with insuring you based on your age, health, lifestyle habits, occupation, and other factors. This risk assessment will determine whether Legal & General will offer you coverage and the appropriate premium rate.

Policy issuance: If the underwriter approves your application, you will be offered a policy at a specific premium rate. Review the policy terms and conditions carefully before accepting the offer. Once you’ve accepted the offer and paid the initial premium, your coverage will begin.

The application and underwriting processes for Legal & General life insurance may take a few weeks to complete, depending on the complexity of your medical history and the type of policy you’re applying for. It’s essential to be honest and thorough when providing information during these processes to ensure a smooth experience and avoid potential complications in the future.

Filing claims and receiving payouts from Legal & General life insurance policies are designed to be as straightforward as possible. Here’s an overview of the claims process and what to expect in terms of payouts:

Claims Process:
Notification: The beneficiary or the person responsible for managing the deceased’s affairs should notify Legal & General about the policyholder’s death as soon as possible. This can be done through the company’s customer service channels, such as phone, email, or online chat.

Submission of required documents: Legal & General will provide guidance on the required documents for filing a claim. These may include:

  • A certified copy of the death certificate
  • The original life insurance policy document or policy number
  • A completed claim form provided by Legal & General
  • Proof of the beneficiary’s identity, such as a passport or driver’s license
  • Any additional documents requested by the insurer, depending on the circumstances surrounding the death
  • Claims assessment: Once all required documents have been submitted, Legal & General will review the claim, verify the information, and assess whether the policy covers the claim. The company may also investigate the cause of death and confirm that the policy was in force at the time of death.

Claims decision: If the claim is approved, Legal & General will process the payout. If the claim is denied, the company will provide a detailed explanation for the decision, and the beneficiary or claimant may have the right to appeal.

Payout options: Legal & General may offer various payout options, such as lump-sum payments, installment payments, or annuity options, depending on the policy terms and the beneficiary’s preferences.

Lump-sum payment: The most common payout option is a lump-sum payment, where the beneficiary receives the entire death benefit as a single, tax-free payment.

Installment payments: The beneficiary may choose to receive the death benefit in installments over a specified period, such as monthly, quarterly, or annually.

Annuity option: The death benefit can be converted into an annuity, providing the beneficiary with regular income payments for a specified period or for life.

Timing of payouts: Legal & General is known for its efficient claims processing, and once a claim is approved, the payout is typically made promptly, often within a few weeks. However, the exact timing may vary depending on the complexity of the claim and any required investigations.

Understanding the claims and payout process for Legal & General life insurance policies can help ensure a smooth experience and provide financial support to beneficiaries during a challenging time. If you have any questions or concerns about the claims process, contact Legal & General’s customer service for assistance.


Q: Can I get a Legal & General life insurance policy if I have a pre-existing medical condition?
A: Legal & General considers each applicant on an individual basis. Depending on your specific pre-existing medical condition and its severity, you may still be eligible for coverage. However, you might face higher premium rates or have certain exclusions added to your policy.

Q: Can I change my Legal & General life insurance policy after it has been issued?
A: Depending on the type of policy you have, you may be able to make changes, such as increasing or decreasing your coverage, updating your beneficiaries, or adding optional riders. For some changes, you might need to undergo additional underwriting or provide updated medical information.

Q: How can I pay the premiums for my Legal & General life insurance policy?
A: Legal & General offers various payment options, including direct debit, credit card, or check. You can typically choose the frequency of your payments, such as monthly, quarterly, semi-annually, or annually.

Q: Can I cancel my Legal & General life insurance policy if I no longer need it?
A: Yes, you can cancel your life insurance policy at any time by contacting Legal & General and providing a written request. However, keep in mind that canceling a term life insurance policy means you will lose your coverage, and you won’t receive a refund for any premiums paid. If you cancel a whole life or universal life policy, you may be eligible to receive a portion of the policy’s cash value, but you may also face surrender charges.

Q: Does Legal & General life insurance cover death due to COVID-19?
A: Legal & General typically covers death due to COVID-19, as long as the policy was active and in force at the time of death. It’s essential to disclose any recent COVID-19 exposure or symptoms during the application process, as failure to do so could lead to complications during the claims process.

Q: What happens if I miss a premium payment for my Legal & General life insurance policy?
A: Legal & General usually provides a grace period of 30 days from the premium due date, during which you can make the missed payment without losing your coverage. If you fail to make the payment within the grace period, your policy may lapse, and you will lose coverage. It’s important to contact Legal & General if you’re facing financial difficulties to discuss potential options, such as premium payment deferrals or converting your policy to a lower-cost option.

These FAQs provide a general overview of common questions about Legal & General life insurance. If you have more specific questions or need assistance with your policy, it’s best to contact Legal & General directly or consult with a financial advisor or insurance agent.

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Losing a loved one is never easy…

but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.

Ask Yourself:

  • Who would pay the rent or mortgage if you were to pass away suddenly?
  • Who would pay your children’s university fees or provide money for childcare whilst your surviving partner goes out to work?
  • Who would provide the money for your family’s food, clothing or lifestyle?
  • Who would pay for your funeral or clear your debts?

These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.

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We Provide Complete Cover For:

Life Insurance

Make sure your family have financial security in the event of your passing…

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Protect your income if you’re unable to work due to illness or injury…

Critical Illness

Get a lump sum payment if you’re diagnosed with a serious illness…

Frequently Asked Questions

Whose Products Do We Sell?
  • We offer products from a range of insurers for life insurance and critical illness cover.
  • We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
  • As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
  • We sometimes get preferential rates on selling policies which we pass on to you.
  • We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
  • We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
  • We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
  • NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
  • You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
  • We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?