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.

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Previous
Provider

6.4 /10

Based on 15008 reviews

#10 of 10 decreasing term life insurers

Sentiment Score: 3.9/10
15008 reviews found on websites such as TrustPilot

Price Band

£ £ £ £ £

Good for

Rated 5 stars by Defaqto
Maximum cover limit of £9m

84% of consumers read reviews before purchasing

*Based on an independent survey of 1000 people by Compare By Review

Jonathan Kermeen

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 15 Mar 2022

Will Not Pay For Flat Roof Storm Damage

been with them for 14 years never claimed till roof collapsed they sent bvs there surveyor who said it was ware and tare without looking at damage

Recieved a response over 5 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

Mrs Dunnet

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 9 Sep 2021

Appalling

My critical illness cover claim was denied. I am a 38 year old with Breast Cancer. I was advised that because I had a previous benign lump checked 7 years ago I was ineligible to claim. They knew t…

Recieved a response over 5 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

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Quotes our team received

Details

Decreasing term cover quote for £150,000

Decreasing Term Quote

£7.16

Per Month

Second Medical Opinion

Yes

Claims Paid

97%

Details

Includes £37,500 critical illness cover

With Critical Illness Cover

£23.51

Per Month

Second Medical Opinion

Yes

Claims Paid

97%

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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

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.

Decreasing Term Life Insurance Guides

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