AIG are one of the leading life insurance providers in the…
Legal & General claim to be the UK’s number one life insurance provider.
With a customer experience rating of 76% on Fairer Finance and a 96.7% pay out rate (as of 2022), many are satisfied with the products and services offered by Legal & General.
But are they the best life insurance provider for you?
Over the last 12 months, we’ve sold 34,733 Legal & General policies (that’s over 38% of all the policies we sold)x.
Why not compare Legal & General life insurance with other leading providers using the award-winning broker service offered by Reassured?
Alternatively, keep reading as we review the merits of Legal & General life insurance. In this in-depth review we’ll be covering:
All quotes are personalised, fee-free and no-obligation, so why not get in touch?
Whether Legal & General are a good choice for you will depend on what you want to cover and your available budget.
Legal & General life insurance policies are affordable (with premiums starting from £5 a month) and offer a wide range of features.
The points above highlight key areas which could make Legal & General a good life insurance provider for you.
Alternatively, at Reassured, we can provide you with all the information you need to know about Legal & General life insurance - enabling you to make an informed decision.
Another great way to establish whether Legal & General are a good insurer is to read their customer reviews and ratings. See below for our summary of these…
Legal & General life insurance is highly rated, with a 5 star Defaqto rating.
Across all their insurance products, Legal & General are rated 3.1 stars on Trustpilot - with 43% of customers rating them 5 stars.
Legal & General ratings from Fairer Finance can be found below. Fairer Finance assess a range of areas to help you make an informed decision.
|Brand||Fairer Finance claims score||Complaints performance||Transparency rating||Customer experience rating|
The information in this table has been taken from https://www.fairerfinance.com/ratings/customer-experience-ratings/life-insurance
Furthermore, Legal & General have won the Moneyfacts ‘Life insurance provider of the year’ award three years in a row (2020 – 2022).
If you have loved ones that are financially dependent on you, life insurance can help to secure their financial future.
This means they won’t be expected to make changes to their lifestyle or budget at an already distressing time.
Why not contact Reassured for your free life insurance quotes? We can help you find the right policy to meet your needs.
To compare a range of life insurance polices, why not contact Reassured?
We can help you compare Legal & General level term vs decreasing term life insurance to find you our best deal.
Legal & General advertise their life insurance from just £5 a month.
However, like all providers, Legal & General calculate the cost of your life insurance premiums using a number of factors.
When completing the life insurance application with Legal & General, you’ll need to provide the following information:
Below you’ll find example quotes for Legal & General life insurance through Reassured.
Quotes are based on a non-smoker, in good health, for a level term life insurance policy (with a 20-year term) with £200,000 of cover:
|Age||Price per month|
The cost of life insurance can vary depending on the factors mentioned above, so the price you pay could be more or less than these pricing illustrations.
Comparing quotes is essential in finding an affordable life insurance policy.
At Reassured we can help you compare quotes from some of the UK’s best insurers, including Legal & General.
Life insurance quotes through Reassured start from just 20p-a-day, so why not get in touch?
Both critical illness cover and income protection can help to replace your income if you’re left unable to work due to illness, however the two policies have many differences.
Why not read our in-depth income protection vs critical illness cover guide to find more?
It’s unlikely that you’ll be required to undergo a medical exam when taking out Legal & General life insurance.
However, if you’re over a certain age, are requesting a high sum assured or have disclosed certain medical conditions, Legal & General have the right to request the following:
If you’re asked for any of the above, it will be paid for by the insurer and arranged for a time and day that suits you.
Yes, it’s possible to take out joint life insurance through Legal & General. This is available with the following policy types:
Joint life insurance allows you to cover two lives simultaneously under one policy.
This means there’s one premium to pay between you both, helping you to save money on life cover.
The table below shows how you could save money by securing a joint life insurance policy with Legal & General.
This example quote is based on non-smokers, in good health, for a level term life insurance policy (with a 20-year term) for £200,000 of cover:
|Age||Joint policy price per month||Two single policies price per month||% Difference|
However, the main drawback with joint cover is that once a claim has been made (upon the first death), the policy will expire and the surviving partner will be left without protection.
Unlike other insurers, Legal & General allow the option to split a joint policy into two individual policies after a divorce or break up.
Reassured can help you to conduct a full joint life insurance vs two single policies comparison to help you find the right option to meet your needs.
In 2022, Legal & General paid out 96.7% of all life insurance claims. Across 12,571 life claims, around £59,000,000 was paid out in total.
This highlights the likelihood of a successful life insurance pay out should the worst happen to you.
How long do Legal & General take to pay out?
Once a claim has been accepted, Legal & General aim to pay out within 5 days.
Legal & General only apply exclusions for hazardous activity risks, not medical risks.
Exclusions will only be added if you specifically request it.
For example, with Legal & General, if you’re offered higher premiums due to a high-risk factor being identified, you can opt to have an exclusion added to your policy rather than pay the additional premium price.
The exception to this is suicide. With all policies, suicide is excluded within the first 12 months of the policy.
This means if there’s an act of suicide, within this time, a pay out won’t be made.
Yes, it’s possible to write Legal & General life insurance in trust.
Writing your life insurance in trust is the process of detaching your policy from your estate (any savings, property and possessions you own).
Upon your passing, this passes the rights of your policy to a trustee (of your choosing) who will be responsible for distributing the funds as per your wishes (like the executor of a Will).
At Reassured, we offer a free service to help you write your Legal & General life insurance in trust.
We can talk you through the entire process, answer any questions you have and help decipher any jargon.
When arranging life insurance through Legal & General, it can be possible to receive a free gift.
Currently, Legal & General are offering a £100 M&S or Amazon gift card to new life insurance customers.
Your policy must be arranged directly through Legal & General and you’ll need to make 6 premium payments in order to be eligible to receive the gift card from them.
If purchasing Legal & General life insurance through a broker, like Reassured, you won’t be eligible for the gift card offer.
While a free gift can be a nice incentive to secure cover through a particular provider, it shouldn’t be the key factor when making your decision.
What’s more important is ensuring you get the right cover to meet your needs.
At Reassured we can discuss this with you and provide you with all the information you need to make an informed decision.
The Legal & General life insurance department can be contacted via telephone on 0800 316 5591 (Monday to Friday 09:00 - 18:00).
For general enquiries, policy cancellations and complaints, you can write to:
Legal & General
Assurance Society Limited
City Park, The Droveway
When was Legal & General founded?
Legal & General were founded in 1836 and by 1939 they had paid out their first life insurance claim.
Who underwrites Legal & General life insurance?
All underwriting for Legal & General life insurance is carried out themselves.
This means no work is outsourced and any queries you have can be addressed directly.
Are Aviva and Legal & General the same company?
To avoid any confusion, Aviva and Legal & General are not the same company.
Whilst offering a very similar array of services, they're both independent companies and are not connected in any way.
How to cancel Legal & General life insurance?
You can cancel your Legal & General life insurance policy by contacting them directly.
It’s possible to cancel your policy at any point during the policy term.
If you cancel within 30 days of the start of your policy, any premiums you’ve paid will be refunded.
However, if you cancel your policy after the first 30 days, you won’t receive a refund.
Once a life insurance policy has been cancelled, your cover will cease immediately and your loved ones won’t be able to claim when you pass away.
How to claim Legal & General life insurance?
A claim can be made on a Legal & General life insurance policy in the event you:
Claims can be made via:
When making a claim the following information will need to be provided:
At Reassured we can help you compare Legal & General life insurance with other top UK providers.
Our award-winning broker service can provide you with personalised quotes, free of charge.
By using the services of a life insurance broker to compare quotes you can ensure you find the right policy at the best price from our panel of insurers.
A friendly member of our team can also walk you through each step of the application and answer any questions you may have.
Simply get in touch today to protect your family’s financial future.
All information regarding Legal & General's product offerings is correct as of 13/06/2023. This is subject to change by Legal & General at any time
AIG are one of the leading life insurance providers in the…
There as many life insurance providers to choose from in…
Find out everything you need to know about LV= life…
Royal London is one of the UK's leading life insurance…
Is SunLife the right over 50 life insurance provider for…
Are One Family the right insurer for you? Find out…
There as many life insurance providers to choose from in…
Conduct a comprehensive life insurance comparison using our…
Arranging life insurance in your 40s can open you up to…
Did you know that it's still possible to secure affordable…
According to internal data from Reassured, the average cost…
What’s the best over 60 life insurance? Find out about your…
Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!Mrs M Rushworth
Very professional and reassuring. Life insurance sorted in about 10 minutes.Stephen Davies
very courteous and friendly. Polite professional and empathic.Stedroy Fenton
Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.Piotr Stepien
Really attentive during the call, good clear guidance throughout. Well done.Michael Reynolds
Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.Sera Woolley
I made the right choice and now I feel relieved that I did.glyn
Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!Katelia Merritt
I must say Jake took me through every step and was brilliant, recommend them anytime.Allan Green
Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.Jenny Berry