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In 1836, Sergeant John Adams and five other lawyers formed Legal & General (L&G) in a coffee shop on London’s Chancery Lane. Fast forward almost 200 years and they now have more than 10 million customers and manage more than £1 trillion in assets worldwide. Through their experience and knowledge, they’ve become a world leader in protection.
By reaching this page you are eligible for 2 months FREE cover when you arrange a new Life Insurance policy.
Simply fill in the form below to apply your 2 months free discount or call us on 02084327333 stating the code VC2MF.
As you’d expect, Life Insurance policies are designed to pay out a lump sum if you die before the end date. Legal & General offers a few different kinds of Life Insurance.
You also have the option of adding Critical Illness Insurance onto your policy. This allows you to claim in the event that you either die, or receive a critical diagnosis.
Legal & General Life Insurance Coverage | |
|---|---|
Maximum Benefit | Unlimited |
Type of Cover |
|
Minimum Entry Age | 18 |
Maximum Entry Age |
|
Terminal Illness Cover? | ✅ Providing policy term is 2+ years |
Joint Cover? | ✅ Joint life first death only |
Premium Type |
|
Waiver of Premium | Optional | Optional Critical Illness Cover |
Maximum Benefit
|
|
Conditions Covered
|
|
Critical Illness Extra
| An optional add-on for an extra premium, this pays:
|
Survival Period | 14 days |
Children’s Cover
| As standard with adult cover, covering children between 30 days and 18 years old (or to their 21st birthday if in full-time education). This covers:
|
Children’s Critical Illness Extra
| An optional add-on for an extra premium, this covers children from birth rather than 30 days old, paying:
|
Legal & General Life Insurance offers an unlimited maximum benefit, so you can choose exactly how much cover you need.
It’s one of the oldest and largest UK financial services providers and paid 97% of Life Insurance claims in 2024.
Legal & General’s Life Insurance policies come with several key policy factors that need to be taken into consideration.
As you can see, there are many features to Legal & General’s life insurance which make it very comprehensive. With no upper limit to the amount of insurance you can have, you can take out as much cover as you need.
If you need to increase your cover, Legal & General allows you to do so with a Guaranteed Insurability option. This means you can increase your benefit without further medical underwriting if you go through certain life events:
You must inform Legal & General within 6 months of the event. The maximum increase is the lower of 50% of your original benefit or £150,000, except for increases in your earnings or mortgage.
For an earnings increase, the maximum cap is your original benefit multiplied by the percentage increase in your earnings. For a mortgage increase, Legal & General caps it at the increase in your mortgage.
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To take advantage of the guaranteed insurability option, you must apply on or before your 55th birthday. For joint policies, this applies to the oldest insured person.
There’s always a chance that those who take out a joint policy may later divorce, separate, or dissolve their civil partnership. With Legal & General’s life insurance you can split a joint policy into two single policies in these circumstances.
You must inform Legal & General within 6 months of finalising your separation. The maximum amount of cover for each new policy is the lower of £1 million or the original amount of cover on the joint policy.
Both new policies cannot extend past each party’s 70th birthday.
Child cover is free when you take out Critical Illness Insurance for yourself. This pays a valid claim if your child develops a critical illness aged between 30 days old and their 18th birthday. It also pays out in a number of other situations that make it fairly unique:
To prevent inflation eroding the purchasing power of your benefit over time, Legal & General lets you index your benefit. This means it will rise each year in line with Retail Prices Index (RPI) inflation. The maximum annual increase is 10%.
As your benefit goes up, your premiums will also rise each year by the rate of inflation multiplied by 1.5. So, for example, if inflation is 2% your premiums will rise by 3.5%.
The Life Insurance options you choose will depend on many factors. Your age, homeownership status, and medical history will all need to be considered.
As specialists in our field, we can take a lot of the hassle out of the equation for you. Contact us on 02084327333 or email help@drewberry.co.uk and we can help you find the best option for your needs.
Rauri Taylor
Independent Protection Advisor
On top of Legal & General’s standard cover, there are some extra benefits that are included.
This covers you in the event that you die from accidental causes during your application for cover. You’re covered for up to 90 days from when Legal & General receive your application.
If you die from accidental causes during this time, they’ll pay out a claim. The amount paid will be for the amount of cover you’ve asked for, up to a maximum of £300,000.
If you add Critical Illness Insurance, Legal & General offers an accidental hospitalisation benefit of £5,000. This pays out if you suffer physical injuries as a direct result of an accident that leave you hospitalised for at least 28 consecutive days.
Legal & General will advance up to £10,000 of your payout to a funeral director. This can then cover funeral costs if probate delays your family receiving your benefit.
Legal & General Life Insurance policyholders get access to Wellbeing Support, a service provided by RedArc Assured Limited. This provides a range of practical and emotional assistance when you need it the most. The support services include:
Getting answers quickly is so important when you are faced with a potentially serious health issue.
Legal and General’s Private Diagnostics service will give you access to some of the UK’s top specialist consultants. If you are referred for cardiology, oncology or neurosurgery, you’ll also have access to their diagnostic test centres to investigate your symptoms.
This additional benefit does however come at an extra cost of £4.50 per month.
If you were to fracture a bone, such as wrist, collarbone or skull, Fracture Cover would provide you with a cash lump sum which you can put towards recovery.
This additional benefit comes at an extra cost of £5.90 a month. It’s also important to note that in order to make a successful claim, the injury you sustain must be one that is specified in your policy.
When looking at Life Insurance companies, it’s important to compare the key features of each provider’s policy. Below are L&G’s key comparison points for its Life Insurance product.
Child Critical Illness Cover comes free when you take out Critical Illness Cover for yourself. With some insurers, child cover is an optional add-on for an extra premium.
If you want Critical Illness insurance, any children you either have, or plan to have, could benefit from this cover. As a result, Legal & General could have an advantage over other insurers.
Legal & General’s child cover offers unique features most other insurers don’t offer. This includes the £5,000 hospitalisation benefit, £1,000 childcare support and £100 family accommodation benefit.
Legal & General offers an accidental hospitalisation benefit with its Critical Illness Insurance. This is fairly unique in the market and hasn’t yet been matched by other providers.
With Critical Illness Insurance, every insurer has a survival period. This is the length of time you must live after your diagnosis for the insurer to pay a claim.
With Legal & General, this survival period is 14 days. There are insurers which allow you to claim providing you survive 10 days.
Legal & General Life Insurance includes Terminal Illness Cover, which pays out your benefit early if you become terminally ill. However, this option is only available on policies which run for at least 2 years.
It is common among many other insurers for Terminal Illness Cover to cease in the final 12 months of a policy. However, Legal & General appears to be the only insurer that stipulates it is only available on policies with a minimum duration.
Legal & General includes Nurse Support Services for free, which offers help and support in a variety of areas. However, these extra features are fairly minimal compared to other insurers. For example, there are insurers which include access to remote GP services and physiotherapy with Life Insurance.
Legal & General are just one of a number of insurers who offer Life Insurance in the UK. If you’d like to know more about the other top providers we’ve written a comprehensive guide reviewing the best UK life insurers.
As we all have unique personal circumstances, having a specialist on your side can make all the difference. We can compare quotes across the whole of the market and make sure you set-up your cover correctly.
If you would like to speak to one of our team you can call us on 02084327333 or email help@drewberry.co.uk.
Alternatively if you are confident you know what you are looking for you can use our Life Insurance quote tool. This can help you compare the cost across the leading UK providers.
When it comes to protecting yourself and your finances, you deserve first-class service. Here’s why you should talk to us:
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