Legal & General life insurance [2024]

Legal & General are one the UK’s best life insurance providers, but what exactly do they offer and how does it compare to other insurers on the market?

Legal & General are on our panel of leading UK insurers, meaning we can help you compare quotes and provide you with all the information you need to establish whether they’re the right insurer for you.

Between January 2022 and January 2023, we sold 34,733 Legal & General policies (that’s over 38% of all the policies we sold)^.

Legal & General

Who are Legal & General?

Legal & General were established in 1836 by a group of 6 lawyers. Today, they’re a leading financial services provider, serving over 10 million customers through savings and retirement solutions, as well as life insurance.

The services provided by Legal & General include:

  • Investments (stocks, shares and ISAs)
  • Pensions & retirement solutions
  • Life insurance (term life insurance, whole of life insurance, over 50 life insurance, critical illness cover)

What other policies are available through Legal & General?

As well as the life insurance policies outlined above, Legal & General also offer policies to provide additional cover. These include:

  • Critical illness cover
  • Income protection
Legal & General critical illness cover
  • Available to those aged 18 - 67
  • Can be added to Legal & General level or decreasing term life insurance for an additional cost
  • Can provide a lump sum if you’re diagnosed with a serious illness (that’s listed within the policy)
  • 37 illnesses are included
  • Available through Reassured
Legal & General income protection
  • Available to those aged 18 - 59
  • Can be taken out alongside a life insurance policy
  • Protect up to 60% of your usual earnings
  • Provides monthly payments if you can’t work due to illness or injury
  • Short-term and long-term options available
  • Available through Reassured’s advised team

While both critical illness cover and income protection can both be used to protect your income if you can’t work due to illness, they provide cover in different ways.

Critical illness cover provides a lump sum payment, while income protection provides monthly payments to mimic an income.

We have a full Legal & General income protection review if you’d like more information on this product »

Compare Legal & General life insurance [Find our best deals]

At Reassured we can save you time and money by helping you compare Legal & General life insurance with other top UK insurers.

We’re committed to finding you the right cover to meet your needs at our best price.

We can also walk you through each step of the application and answer any questions you might have along the way.

Life insurance through us starts from 20p-a-day, so why not get in touch?

Contact us today to protect your family’s financial future.

Legal & General life insurance FAQs

Who underwrites Legal & General life insurance?

All underwriting for Legal & General is carried out themselves.

Does Legal & General life insurance have any exclusions?

Legal & General only apply exclusions for hazardous activity risks to their life insurance policies. They won’t add any exclusions to your life insurance policy for medical risks.

Hazardous activity exclusions will only be made if you request them. For example, if you have high risk hobbies or a high risk occupation you could opt for an exclusion to be added to your policy (loved ones won’t be able to claim for these reasons) or you could pay a higher premium.

However, if you secure critical illness cover, exclusions could be added to your policy depending on your medical history.

For example, if you’re living with a medical condition that’s covered under critical illness cover, this along with any related conditions will likely be excluded.

Can you write Legal & General life insurance in trust?

Yes, it’s possible to write Legal & General life insurance in trust.

Writing your policy in trust is the process of detaching your policy from your estate (any savings, property and possessions you own).

Key points with writing your policy in trust:

  • Upon your passing, the rights to your policy are passed over to a trustee (of your choosing) who is responsible for distributing the funds as per your wishes
  • Allows loved ones to avoid/minimise 40% inheritance tax and a lengthy probate process
  • You have more control over who receives what and when as you can provide your trustee with clear instructions on what to do with the pay out

At Reassured we offer a FREE trust writing service with the majority of the policies we sell (including Legal & General).

We can talk you through the process and answer any questions you might have.

How to claim Legal & General life insurance?

Claims can be made with Legal & General via phone or email.

  • Email: life.claims@landg.com
  • Phone: 0800 137 101 (phone lines are open Monday to Friday 09:00 - 17:30)
  • When making a claim, the following information is required:
    - Policy number
    - Name of deceased
    - Cause of death and place of death (if known)
    - Relationship to the deceased
    - Legal next of kin (if known)

How long do Legal & General take to pay out?

Once a claim has been accepted, Legal & General aim to pay out within 5 days.

How to cancel Legal & General life insurance?

You can cancel your Legal & General life insurance policy by contacting them directly.

If you cancel within 30 days of the start of your policy, any premiums you’ve paid will be refunded. However, if you cancel after this time, you won’t be refunded.

Once your policy has been cancelled, your cover will no longer be in place.

Are Aviva and Legal & General the same company?

No, Legal & General and Aviva are separate companies.

While they both provide a range of insurance and financial services, they are independent companies and aren’t connected.

Sources:

All information regarding Legal & General's product offerings is correct as of 08/04/2024. This is subject to change by Legal & General at any time

[1] https://www.legalandgeneral.com/insurance/life-insurance/

[2] https://www.legalandgeneral.com/landg-assets/adviser/protection/protection-new/adviser-toolkit/our-claims/2023-claims-statistics-infographic.pdf

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Do Legal & General sell joint life insurance?

Yes, it’s possible to take out joint life insurance through Legal & General. This is available with the following policy types:

  • Level term life insurance
  • Decreasing term life insurance
  • Whole of life insurance

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:

AgeJoint policy price per monthTwo single policies price per month% Difference
30£12.65£14.1612%


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.