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Legal & General Reviews

Legal & General gives you accidental death benefit while they process your application so you have some form of cover in the meantime.

6.4 /10
Based on 11908 reviews
#10 of 10 life insurers
  • 11908 reviews found on websites such as TrustPilot

Price Band

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Good for

  • Rated 5 stars by Defaqto
  • Maximum cover limit of £9m
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Quotes our team received

Life Insurance Pricing Image One


Decreasing term cover quote for £150,000

Life Insurance Quote

Per Month

Minimum Cover Limit


Maximum Cover Limit

Life Insurance Pricing Image Two


Includes £37,500 critical illness cover

With Critical Illness Cover

Per Month

Minimum Cover Limit


Maximum Cover Limit


What does Legal & General life insurance cover?

  • You’ll be able to claim if you die or are diagnosed with a terminal illness (with a life expectancy of 12 less than 12 months) within the length of the policy.
  • You choose how much cover you need and how long you need it for.
  • Premiums are guaranteed and will not change unless you make changes to the policy.
  • Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit.
  • You have the option to add Critical Illness Cover at no extra cost when you take out a life insurance policy.   

Things you should know about Legal & General life insurance 

  • Life insurance is not a savings or investment product and has no cash value, unless you make a valid claim.
  • If you stop paying premiums when due, your policy will be cancelled and you won’t get anything back from it.
  • You won’t be covered within the first year of the policy if you die as a result of suicide or intentional and serious self-injury.
  • You won’t be covered if your terminal illness does not meet Legal & General’s definition. If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements. 

Frequently asked Questions

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Legal & General offers Level Term and Decreasing Term life insurance for both single and joint policies.

Yes. Legal & General require you to answer a few simple health questions before you purchase a policy. These questions will need to be answered accurately and honestly, otherwise, it may result in your cover being revoked or your payout being refused upon your death.

Yes, you have the option of adding critical illness cover at an extra cost when you take out your life insurance policy.

Legal & General requires you to be a UK resident over the age of 18 before applying for life insurance.

Life Insurance Guides

Check out our insurance guides for more information