Legal & General life insurance

Legal & General claim to be the UK’s number one life insurance provider[1].

With a customer experience rating of 76% on Fairer Finance[2] and a 96.7% pay out rate (as of 2022)[3], 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.

Legal & General

Why not compare Legal & General life insurance with other leading providers using the award-winning broker service offered by Reassured?

Legal & General additional policies

Legal & General offer additional policies which can be added to, or taken out alongside, a life insurance policy to provide an extra safety net of cover.

These include:

Legal & General critical illness cover

Legal & General life insurance with critical illness cover

  • Available to those aged 18 - 67
  • Can be added to level or decreasing term policies for an additional cost
  • Can provide a lump sum pay out if you’re diagnosed with a serious illness (that’s listed within the policy and matches the specified definition)
  • You’ll be covered for 37 serious illnesses, including cancer, heart attack and stoke
  • Once a claim has been made for critical illness your policy (including life insurance) will expire
  • Children’s critical illness cover is automatically included
  • Available through Reassured
Legal & General income protection

Legal & General income protection insurance

  • Available to those aged 18 - 59
  • Can’t be added to a life insurance policy but both policies can be taken out simultaneously
  • Up to 60% of your usual earnings could be paid out in monthly, tax-free, payments if you’re unable to work due to illness or injury
  • Doesn’t cover unemployment or redundancy
  • Payments will continue until you return to work or the policy expires
  • Available through Reassured Advice
  • Why not read our complete review of Legal & General income protection insurance?

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?

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

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.

Does Legal & General life insurance have any exclusions?

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.

Can you write Legal & General life insurance in trust?

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).

This offers the following benefits:

  • Avoid/minimise 40% inheritance tax
  • Avoid/minimise a lengthy probate process
  • Have more control over who receives what

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.

Legal & General life insurance FAQs

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:

  • Pass away (within the policy term)
  • Are diagnosed with a terminal illness with less than 12 months to live (if terminal illness cover is included in your policy)
  • Are diagnosed with a serious illness covered by critical illness cover (if you have opted to add this to your policy)

Claims can be made via:

  • Email:
  • Phone: 0800 137 101 (phone lines are open Monday - Friday 09:00 - 17:30)

When making a claim the following information will need to be provided:

  • Policy number
  • Name of the deceased
  • Cause of death and place of death (if known)
  • Relationship to the deceased
  • Legal next of kin (if known)

Compare Legal & General life insurance quotes

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










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