Tell us about yourself
Fill in the type of cover you're looking for, your age, height and occupation, whether you smoke or drink, your family's medical history, and details of your pre-existing conditions.
Why choose Legal & General life insurance?
Legal & General have sold life insurance since 1836 and are the UK’s number one individual life insurance provider. They help create brighter financial futures and cover the savings, protection and retirement needs of about 14 million customers across the UK and US.
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Award winning cover
L&G are the Money Facts Life insurance provider of the year 5 years in a row.
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The UK's number one life insurance provider*
*Based on new individual Life Insurance sales in 2023, Term & Health report 2023, Swiss Re.
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Wellbeing support
Legal & General are partnered with RedArc Assured Limited to bring their customers access to a phone-based service to support your mental health and wellbeing.
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Care Concierge
Free access to Legal & General's team of Care Experts, this confidential and impartial telephone advisory service can help you or your loved ones understand and find later life care.
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Expert rated
Legal & General have a 5 star Defaqto rated cover, the highest rating possible!
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Pay out claims
In 2023, Legal & General paid out £519 million in life claims, helping more than 13,000 people and their families.
What types of life insurance can I get with Legal & General?
Level term life Insurance: Life insurance, sometimes known as family life insurance, is where the amount of cover you choose and the premium you pay will stay the same throughout the duration of your policy, unless you decide to make any changes. If you pass away while covered, your family will get a cash sum to help them financially. It could be used to help pay the bills or cover child care costs, for example.
Decreasing Life Insurance: Decreasing life insurance is when the amount of cover you choose will decrease over time, roughly in line with the way a repayment mortgage decreases. This type of life insurance is often taken out to help protect a repayment mortgage. If you were to pass away while covered, your family would get a cash sum to help cover the mortgage, so they get to stay in their family home without the worry of mortgage payments.
Can I cancel my life insurance and switch providers?
You have the flexibility to cancel your policy at any time. If you cancel within 30 days of taking out a policy, Legal & General will return any premiums paid. However if you cancel after this period you won't get anything back.
You can also ask to make changes to your life insurance with Legal & General instead of cancelling your policy. You may be able to increase your cover without the need for any further medical information on certain life events, for example: the birth of a child, marriage or civil partnership or an increase to your mortgage due to moving home.
You can also ask to make other changes such as changing the term, the amount of cover or removing a name from a joint policy. These changes could affect the premiums you pay, terms and conditions apply.
What add-ons can I get?
Critical Illness Cover
Children's Critical Illness Cover is included as standard. Terms and conditions apply.
Legal & General paid out £225 million in critical illness cover claims in 2023, helping more than 3,500 people and their families.
Critical Illness Cover can be an invaluable way of protecting you and your family against the financial implications you would face if you were diagnosed with a critical illness. It can be added for an extra cost when taking out Life Insurance or Decreasing Life Insurance.
How do I contact Legal & General?
Call Legal & General on:
Phone: 0808 250 1044
Monday to Friday: 8:30am-8pm
Saturday: 9am-1pm
Calls may be recorded and monitored.
How do I make a claim with Legal & General?
Make a claim in three easy steps.
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Step 1: Get in touch
Legal & General's experienced claims staff are trained to handle your questions with care and compassion. When you need to make a claim simply call them on 0800 123 4567.
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Step 2: Assessment
Expert claim handlers will deal with the claim as quickly as possible and will keep your loved ones informed throughout the process.
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Step 3: Paying out
If your claim is accepted, you will receive the pay-out within 5 working days directly to the representative of the deceased person, usually the executor of the will.
How do I get a life insurance quote with Legal & General?
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We’ll fetch our best quotes
We have some of the top UK providers on our panel for you to choose from. Browse policies ordered by lowest premium.
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Choose the deal you want
Once you've found the policy that's right for you, all it takes is a click through to your chosen provider to buy your policy today for the price you see.
Who underwrites Legal & General?
Legal & General is a UK-based insurance company that underwrites its own life insurance.
Can I pay my life insurance in monthly installments?
You can pay your premiums monthly or annually and can also choose between a joint life or a single life policy. Your premiums are guaranteed to stay the same unless you alter your policy.
How long does it take to get your life insurance money from Legal & General?
After your claim has been accepted, you can expect to get your pay-out after 5 working days.
Reviewed on 11 Dec 2025