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About Legal & General Life Insurance

Legal & General (L&G) is one of the UK’s top providers of Life Insurance, having received many awards for its services since it was established in 1836. Rated 5 stars by Defaqto (the maximum possible score), on their level term assurance policy. L&G paid out £509 million in life claims in 2022, that's 96% of claims paid and is trusted by millions of British families.

L&G life insurance policy types include level term, decreasing term, whole-of-life, over 50s cover or family income benefits, as well as offering joint or single policies. The minimum acceptance age is 18 and the maximum is 74. L&G Life Insurance automatically includes Terminal illness cover for no extra cost. You can add Critical illness cover for an additional cost, by doing so you’ll also automatically get Children's Critical Illness Cover.

Learn more about L&G types of cover, which add-ons are relevant to you, cover exclusions, how much monthly premiums cost, any limited-time deals and also compare L&G plans with other top providers for free.

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Frequently Asked Questions

What is life insurance?

Life insurance (also known as life cover and death cover) allows you to help protect your family in the event of your death. If the worst were to happen, your family or dependants will be paid a lump sum or a series of small payments.

Life insurance aims to give you added peace of mind that your family will receive financial assistance if anything happens to you.

Reasons why people buy life insurance

Life insurance is not for everyone, though if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance.

Life insurance can be a safety net for your family. If you were to die life insurance could help your family in a number of ways:

• Pay off existing debts whether it is a Mortgage, Credit Cards or a Loan.
• Help to cover final expenses such as funeral costs.
• Help to cover your children’s education.
• Help protect your family’s income and allow them to maintain their lifestyle.

What type of insurance should I get?

• Level term life cover: This is where the amount you pay and your future cover stay the same during a policy term unless any changes are made to the policy. This will pay a lump sum in the event that your death is during the specified policy term.

• Decreasing term life cover: This is a payment to pay the balance of your mortgage in the event of your death. It decreases with time as the balance of your mortgage decreases.

• Critical Illness cover: Critical illness cover will pay out the lump sum agreed if you have been diagnosed with a critical illness during the policy term. Critical illnesses are specified in the policy.

• Whole life cover: This will pay out a lump sum when you die, whenever that is. It's more expensive than term life cover for the same size of payout.

• Joint life cover: This is life insurance cover for yourself and your partner in one policy. This cover will insure two people at the same time on a ‘first death’ basis. The cover pays out if one of you passes away, after which the policy would end.

• Over 50s life cover: Designed for people aged 50-80 and paying out a fixed lump sum when you die to your loved ones to cover things like funeral expenses, outstanding debts or even as a gift to the people you love.

Different life insurance companies pay out different amounts depending on your policy. So you’ll need to look for the best life insurance UK companies are offering.

How much life insurance do I need?

The aim is to have enough cash to cover the lack of income if you’re gone. A good rule of thumb is getting life insurance coverage that's 10 times your income, but it depends on your individual financial circumstances.

Some important considerations include any outstanding debts (e.g. mortgage, credit cards, loans), any dependants (e.g. childcare costs, education), a partner who rely on your income to maintain lifestyle, final expenses (e.g. funeral expenses) and – quite simply – how much you can afford in monthly life insurance premiums.

Now, the cost of life insurance is typically not substantial - it’s usually a small monthly fee - but because most policies last so many years, those small amounts can build up over time. Premiums vary from insurer to insurer so it's important to shop around to save money.

When should I think about getting life insurance?

When it comes to timing, the younger you are when you buy life insurance, the better. This is because at a younger age, you'll qualify for lower premiums. However, for many of us, the decision to take out life insurance is triggered by a major life event - such as having a baby or moving house – it can be a good idea to buy life insurance sooner rather than later.

Regardless of your age, if you want to help provide for your family financially if you die, you should consider buying life insurance - especially true if you have loans, mortgages and financial dependents.

Can everything be done online?

The answer is no and there are a few reasons you may need to speak to someone on the phone.

Firstly, the size of your life insurance pot can regularly be half a million quid or more and thus life insurance companies (and you) will want to make sure you have a complete record of the conversation and all the details regarding your policy.

And secondly, experienced advisors will help you get the cheapest price for your circumstances - as insurance companies provide advisors (or brokers) with the lower rates because they are professionally trained to accurately assess risk and to help you choose a policy that adequately insures you. Furthermore, being independent from any one insurance provider means you’ll be able to quickly compare multiple UK’s leading quotes and select the plan that’s cheapest and best for your circumstances. The exact same life insurance policy can vary in price by up to 50% between different insurers. By comparing quotes, you can save.

Through this site you will receive a free, no-obligation quotation.

Will my family have to pay tax on my life insurance?

Tax treatment depends on one’s individual circumstances and may be subject to future change. The content of this article is provided for information purposes only and is not intended to be, nor does it constitute, any form of tax advice.

The standard inheritance tax rate is 40% - though generally speaking, when the beneficiary of a life insurance policy receives the death benefit, this money is not counted as taxable income, and the beneficiary does not have to pay taxes on it. Furthermore, when you write a life insurance policy in trust, because the payout does not go to your legal estate, its value will not count towards the inheritance tax threshold and so the entire sum will go to the beneficiaries.

Compare Legal & General and other leading UK providers to get the best rate

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Quick to fill out the information required and I received the cheapest quote by far. I would strongly recommend this site to anyone needing life insurance.
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Loads of options. I spoke with an experienced advisor that was able to answer all my questions and made me really think about what I need to protect my family.
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Life Insurance Choices provides an easy way to compare life insurance quotes and to help find the best value life insurance cover for your circumstances. The quotes provided are based on the information you submit to us.

Our service is free to use without any obligation to accept the quotes that you receive.

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Life Insurance Choices is a trading name of Magnetise Choices Ltd. Magnetise Choices Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: 769876).

Insurance details published on this site are for information purposes only and do not constitute financial advice.

By submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Life Insurance Choices may at its sole discretion send the details of this enquiry to an appropriate authorised insurance broker for the purpose of providing life insurance quotes, and 3) the insurance broker may contact you for further information as required. We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an appropriately authorised insurance broker who works with a limited number of providers. Certain products might also be exclusive to selected providers and intermediaries. We are happy to introduce you to an alternative agent upon request. We aim for accuracy and up-to-date information on our website, but errors and omissions may happen. Therefore, please refrain from considering this information as an absolute statement or representation of fact. Life Insurance Choices is not an insurance company. We offer a free service, connecting you with an appropriately authorised firm who undertakes the Regulated Activity of Insurance Broking (as specified by the FCA) for comparing providers and obtaining a FREE no-obligation quote. We’re passionate about helping you get the best deal. Find out more about our compensation notice and money back in your pocket promise.

Premiums may vary depending on each individual’s circumstances.

* £5 per month based on a 34-year-old non-smoker taking out £100,000 level term cover over 20 years, living in central London (L&G) – Prices correct as of January 2024.
£10 per month based on a 36-year-old non-smoker taking out £200,000 level term cover over 20 years, living in central London (L&G) – Prices correct as of January 2024.
The following monthly rates are for £100,000 and £200,000 covers (£100,000/£200,000) based on a non-smoker, level term cover over 20 years, living in central London – Prices correct as of January 2024, prices will vary depending on individual circumstances: £4.20/£6.29 for a 30 year old born in 1994 (L&G) | £5.25/£8.82 for a 35 year old born in 1989 (L&G) | £7.54/£12.96 for a 40 year old born in 1984 (L&G) | £10.97/£19.86 for a 45 year old born in 1979 (L&G) | £16.67/£28.95 for a 50 year old born in 1974 (AIG) | £25.65/£46.25 for a 55 year old born in 1969 (AIG) | £45.17/£84.34 for a 60 year old born in 1964 (AIG) | £85.39/£164.91 for a 65 year old born in 1959 (AIG).

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