Business Details
Your Trusted Life Insurance Provider
Legal & General has been a trusted provider of life insurance and protection solutions for over 185 years. We specialise in offering comprehensive coverage options including Life Insurance, Decreasing Life Insurance, Critical Illness Cover, and Over 50 Life Insurance tailored to meet diverse customer needs. Our policies provide financial security for families, mortgage protection, and terminal illness coverage, supported by industry-leading benefits such as Wellbeing Support and Care Concierge services.With Defaqto 5 Star Rated products and a commitment to paying 100% of valid claims, we combine expert underwriting with compassionate customer care. Our digital tools enable customers to obtain personalised quotes within minutes while our dedicated claims team ensures efficient processing with empathy during difficult times.
Services
Life Insurance
Decreasing Life Insurance
Critical Illness Cover
Over 50 Life Insurance
Mortgage Protection
Highlights and features
- We've protected families for over 185 years with expert underwriting
- Our Defaqto 5 Star Rated policies offer comprehensive coverage options
- We paid 583 million in life claims during 2024 alone
- We provide 24/7 wellbeing support and care concierge services
- Our digital tools enable instant policy quotes and management
Associations and certifications
- Defaqto 5 Star Rated
What people say
Excellent service
Quick claims process
Competitive rates
Professional advisors
Peace of mind
Services
Life Insurance
Our Life Insurance provides financial protection through level term coverage that remains constant throughout the policy term. This solution safeguards dependents against mortgage liabilities and living expenses in case of unexpected death. Policyholders benefit from guaranteed premiums, terminal illness coverage, and optional critical illness add-ons. The product includes free life cover during property transactions and allows policy adjustments for changing life circumstances.
Decreasing Life Insurance
Specifically designed for mortgage holders, this decreasing term cover aligns with repayment schedules by reducing coverage amount over time. It ensures outstanding mortgage balances can be settled by policy payouts, enabling families to retain their homes. Features include fixed premiums, critical illness add-on options, and automatic policy adjustments for property transactions. The coverage period must match mortgage terms with minimum 5-year and maximum 50-year durations.
Critical Illness Cover
This add-on coverage provides financial support for 42 specified critical conditions including cancer, heart attacks, and strokes. Payouts occur upon diagnosis with 14-day survival requirement, offering funds for medical expenses and lifestyle adjustments. Benefits include automatic child coverage, wellbeing support services, and guaranteed renewals. Exclusions apply for pre-existing conditions and certain low-grade cancers as detailed in policy documents.
Over 50 Life Insurance
Designed for older applicants aged 50-80, this guaranteed acceptance policy requires no medical disclosures. It offers fixed premiums until age 90 with coverage continuing for life. The cash sum assists with funeral costs or inheritance planning, featuring full payout after one year except for accidental death exceptions. Policyholders may reduce premiums after initial term with proportional coverage adjustments.
Wellbeing Support
Complimentary support service included with all policies provides mental health resources and care guidance. Accessible from policy inception, it offers telephone counselling, clinical assessments, and care coordination for policyholders and immediate family members. The service connects users with appropriate healthcare providers and offers specialist advice for long-term conditions and end-of-life care planning.
People
Lisa Redman
Senior Propositions Manager, Retail Protection
Lisa leads product development for retail protection solutions with 15+ years' experience in insurance proposition design. She specialises in creating customer-centric life insurance products that balance regulatory compliance with market needs.
Questions
How much life insurance can I get for £25 monthly?
For £25/month, a 30-year-old might receive £610,937 coverage over 25 years, while a 50-year-old would get £82,035 under similar terms.
What critical illnesses are covered?
We cover 42 conditions including cancer, heart attacks, strokes, and organ transplants with specific medical criteria for each diagnosis.
Can I cancel my policy anytime?
Yes, you can cancel within 30 days for full refund or anytime after with no refund for monthly payments.
How quickly are claims processed?
Most claims settle within 5 working days after documentation submission with dedicated support throughout the process.
Is medical evidence required?
Standard life insurance requires health disclosures while Over 50 Life Insurance has no medical requirements.
What happens if I stop paying premiums?
Your policy will lapse with no value returned unless you reinstate within 6 months with updated health information.
Videos
