Business Details
Trusted Insurance Solutions for Your Family's Future
Legal & General Group has been a trusted name in the insurance industry for over 185 years, offering comprehensive life insurance and protection solutions tailored to meet diverse customer needs. Our expertise spans life insurance, critical illness cover, and over-50s plans, underpinned by a commitment to transparency, customer support, and innovation. Recognised with a Defaqto 5 Star rating, we pride ourselves on paying out 100% of valid claims promptly, ensuring financial security for families during challenging times.Our services are enhanced by additional benefits such as Wellbeing Support and Care Concierge, reflecting our dedication to holistic customer care. With a strong focus on ethical practices and client-centric solutions, we continue to lead as a reputable choice for insurance protection in the UK.
Services
Life Insurance
Decreasing Life Insurance
Critical Illness Cover
Over 50 Life Insurance
Income Protection
Highlights and features
- We have over 185 years of experience in providing trusted insurance solutions.
- Our Defaqto 5 Star-rated cover ensures the highest standards of quality.
- We paid out 583 million in life claims in 2024, supporting over 14,000 families.
- Our Wellbeing Support service offers dedicated mental health assistance from day one.
- Care Concierge provides impartial guidance for adult and later-life care needs.
Associations and certifications
- Defaqto 5 Star Rated
What people say
Excellent customer service
Prompt claims payout
Comprehensive coverage options
Trusted for decades
Helpful wellbeing support
Services
Life Insurance
Life Insurance provides a lump sum payout if you pass away during the policy term, offering financial security for dependants. Ideal for covering mortgages, childcare costs, or daily expenses, this level-term cover ensures fixed premiums and guaranteed protection. Customers benefit from additional features like terminal illness cover and free life cover during property transactions.
Critical Illness Cover
Critical Illness Cover offers a cash sum if diagnosed with specified serious illnesses like cancer or heart attack, supporting income replacement during recovery. Automatically includes children's cover and wellbeing support, this policy helps manage medical costs and lifestyle adjustments. Claims are paid once, with premiums remaining fixed for the policy term.
Over 50 Life Insurance
Over 50 Life Insurance guarantees acceptance without medical checks for UK residents aged 5080, providing a cash sum for funeral costs or inheritance. Premiums stop at age 90, with cover lasting a lifetime. Features include accidental death benefits in the first year and flexible premium reductions after 12 months.
Decreasing Life Insurance
Decreasing Life Insurance aligns cover with repayment mortgages, reducing the payout amount over time while keeping premiums fixed. Designed to settle outstanding loans, it ensures families retain homeownership. Includes terminal illness cover and free life cover during property moves.
Income Protection
Income Protection provides a regular income if illness or injury prevents work, covering essential expenses. Policies include rehabilitation support and flexible deferment periods, ensuring long-term financial stability. Tailored to individual occupations and lifestyle needs.
People
Lisa Redman
Senior Propositions Manager, Retail Protection
Lisa leads product development for retail protection at Legal & General Group, focusing on regulatory compliance and customer-centric enhancements. With over two decades in insurance, she specialises in creating accessible, compliant life cover solutions.
Questions
What types of life insurance does Legal & General Group offer?
We offer Level Term Life Insurance, Decreasing Life Insurance, Critical Illness Cover, and Over 50 Life Insurance, each tailored to different protection needs.
How are life insurance premiums calculated?
Premiums depend on age, health, smoker status, cover amount, and policy term. Younger, healthier individuals typically pay lower rates.
Can I add critical illness cover to my policy?
Yes, Critical Illness Cover can be added to Life or Decreasing Life Insurance policies for an extra cost, covering specified illnesses.
What is terminal illness cover?
Terminal Illness Cover pays out if you're diagnosed with a terminal condition and have less than 12 months to live, included at no extra cost.
How do I make a claim?
Contact our claims team via phone, provide the policy number and death certificate, and we'll process your claim promptly, typically within five working days.
Is there a gift for new customers?
Yes, eligible new customers receive a £100 Amazon gift card six months after policy start, provided payments remain up to date.
