It's not for you...it's for them.
Get life insurance today from £6 a month.
Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. If you die or if you're diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy, it could pay out a cash sum. Life Insurance can’t replace the love you give but it could help during a difficult time.
After all, life insurance is not for you...its for them.
Our Life Insurance could pay out a cash sum if you die or are diagnosed with a terminal illness while covered by the policy (provided your life expectancy is less than 12 months). The amount of cover you choose will stay fixed unless you change your policy.
You choose the amount of cover you need and how long you need it for. You can take out life insurance under joint or single names and you can pay your premiums monthly or annually. For more help, take a look at our life insurance calculator or speak to your financial adviser.
Whether you need life insurance will depend on your individual circumstances. For example, life insurance can provide peace of mind for people with children, partners, or spouses that depend on them financially, as well as people with a mortgage on the family house.
Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.
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.
Please read the key documents below and the important information page before you apply.
Most people who apply are able to get cover for their needs, just make sure you answer all the questions truthfully when you apply. You are eligible to apply if you are:
Our life insurance calculator is the easiest way to estimate how much cover you may need to financially protect your loved ones.
We understand that making a claim is going to be distressing time for your loved ones. That's why our experienced claims staff are specially trained to handle all calls with care and compassion.
Call them on 0800 137 101 between 9am and 5pm Monday to Friday.
Due to the current COVID-19 situation our call centres have reduced staff and as such waiting times may be significantly increased. If possible please email us instead at email@example.com and we'll get back to you as soon as possible.
Our expert claim handlers will deal with the claim as quickly as possible and will keep your loved ones informed throughout the process. They will contact them if they need any further information, such as a claim form or death certificate.
If the claim is accepted, we'll pay out within 5 working days directly to the personal reresentative of the deceased person, usually the executor of the will.
You must be at least 18 years of age, be currently living in the UK and must have spent at least 183 days in the UK in the last tax year. Upper age limits apply. See the Policy Summary for full details.
Every family has a different set-up, so consider your personal circumstances. If you’re a homeowner, you may want to take out life insurance to cover the length of a mortgage; for example, 25 years. If you have a family, could your loved ones afford things like childcare, educational costs and daily living expenses?
You may want to think about your annual salary multiplied by the number of years your family will be financially dependent on you. Think about the amount of money your family would need to maintain their lifestyle and cover things like everyday living expenses.
If you'd like more help, you might find our life insurance calculator useful. Alternatively, you could speak to your financial adviser if you have one, or get a life cover quote today.
Yes, you can cancel your life insurance policy at any time. After applying for cover you'll receive a 30 day cancellation notice which you must send back if you decide not to continue with the policy. If you cancel within this 30 day period, we will return any premiums paid. But if you cancel after this period you won't get anything back.
To talk to us about cancelling a policy, please call us on:
9am to 5pm, Monday to Friday.
Due to the impact of Covid-19 there may be a longer wait time than we would usually expect. For enquiries about existing policies, we are ensuring that MyAccount has all the most up to date information for you.
We may record and monitor calls. Call charges will vary.
Please remember that life cover policies are not savings or investment products and have no cash value unless a valid claim is made.
You may be eligible for a free gift after you take out a Legal & General Life Insurance Policy online or by telephone.
You could be eligible for a gift card 6 months after the start of a new policy, so long as you haven’t cancelled it and you’ve made all your payments.
Note that our offer is only available if you apply directly to Legal & General. If you apply through a Financial Adviser, or any website other than Legal & General’s, such as a comparison site, you will not be eligible for the free gift. Customers who have cancelled a Legal & General Life Insurance or Decreasing Life Insurance policy within the last 18 months are not eligible for this offer., you will not be able to take advantage of the gift card.
If you’re looking at your options later in life, you may be torn between getting life insurance or Over 50s Fixed Life Insurance. Let’s take a look at some of the differences.
Life insurance is designed to pay out a cash sum if you die during the length of your policy. When assessing your Life Insurance application, we'll ask you questions about your medical history, occupation and lifestyle. Life insurance is there to offer financial protection to your loved ones. The cash sum paid out could be used by them to pay off a mortgage for example, or help with childcare costs and other everyday living expenses. Some age restrictions apply, please read the Policy Summary PDF for full details.
Over 50s Fixed Life Insurance is designed for UK residents aged 50 to 80 who want a fixed cash sum to give to their loved ones when they die. It's for people who want guaranteed acceptance with a simple application process and who don't want to answer medical or lifestyle questions. Full cover is payable after just one year.
There are other important factors that you need to be aware of when deciding on life insurance vs Over 50s Fixed Life Insurance, so please read all the information available, and contact Legal & General for more information.
Please remember that neither of these plans are a savings or investment product and have no cash value unless a valid claim is made.