Our UK based staff provide a dedicated service to deal with all your life insurance queries

 

Life insurance FAQs.

What is life assurance and how does it work?

Our life assurance helps to protect your loved ones financially in the event of your death. You choose the amount of cover you need and the length of time you want to be insured for. Your policy is designed to pay out your chosen amount of cover if you die during the length of the policy.

What different types of life assurance do you offer?
Level Term Assurance - designed to help make sure your family are financially protected if you die during the length of your policy.

Mortgage Term Assurance - designed to help pay off your interest only mortgage if you die during the length of your policy.

Mortgage Decreasing Term Assurance  - designed to help protect a repayment mortgage as the amount of cover reduces roughly in line with the way a repayment mortgage decreases.

Your premiums are guaranteed to stay the same for all types of life assurance unless you alter your policy. Full details can be found in the Key Features Document (PDF: 150KB)
Who can apply for life assurance?
You must be a UK resident and at least 17 years old (if age 17, the plan must be written in trust) at the time of applying.

Tell me more about life assurance
How much will life assurance cost?
Our life assurance premiums can cost as little as £6 per month, that's the equivalent of just 20p a day. Your individual premium will depend on your own needs and circumstances.
What's the difference between Level Term Assurance and Mortgage Term Assurance?

Level Term Assurance and Mortgage Term Assurance work in exactly the same way. Level Term Assurance is usually taken out for family protection and Mortgage Term Assurance is taken out for mortgage protection. They are both designed to help pay out your chosen amount of cover if you die during the length of the policy. 

Mortgage Term Assurance comes with two added benefits at no extra cost:

SmoothMove - a 24-hour moving day rescue service to help with emergencies on moving day and offers services such as car recovery, hotel accommodation and legal advice. SmoothMove is provided by Inter Partner Assistance, one of the largest international emergency assistance groups.

Free life cover - we offer free life cover between exchange of contracts and completion of your property purchase. In Scotland we provide the free cover from when you complete missives for your chosen property until the date of entry.

How much life assurance do I need?
It depends on your individual circumstances. You may want to think about leaving a lump sum to your dependants or help clear an outstanding mortgage on your death. If you'd like more help our life cover calculator maybe useful or speak to your financial adviser.
Can I add Critical Illness Cover?
Yes, you can add Critical Illness Cover at an additional cost when you take out life insurance.
What's the difference between Terminal Illness Cover and Critical Illness Cover?

Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years). It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. Providing financial support at a time when it could be needed the most. 

Critical Illness Cover is available when you buy your life insurance at an additional cost. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy. 

Read more about Terminal Illness Cover

Read more about Critical Illness Cover

What if I need to make a change to my policy?

Our policies allow you to make changes giving you the freedom to:

  • Change the term
  • Increase or decrease the amount of cover
  • Remove a life from a joint policy if cover is no longer required for that person
  • Change the frequency of your premium between annually and monthly

We also offer 'Joint life separation'. This allows a joint policy to be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into one name.

What's the difference between life assurance and Over 50s plans?

Life assurance is designed to pay out a cash sum if you die during your chosen period of cover, which is a maximum of 40 years.

The Over 50s Life Insurance Plans, however, are designed to cover you until you die no matter when death occurs, providing you have held the plan for more than one year.

The main differences difference between the two types of plan is the age criteria and eligibility. You can apply for life assurance from age 18, but life insurance is underwritten so during the application process we will ask questions about your medical history, occupation and lifestyle.  To apply for our Over 50s Life Insurance Plans you must be aged 50-80 and a UK resident when you apply. Our Over 50s Life Insurance Plans are not underwritten so you won't be asked any medical or health questions.

There are other important factors that you need to be aware of on both types of plan, so please read all the information available:

Learn more about life assurance

Learn more about Over 50s Life Insurance

Can I cancel my policy if I no longer need it?

Yes, you can cancel your policy. If you cancel within 30 days we'll return any premiums paid. If you cancel after 30 days you won't get anything back.

What is the application process for life insurance?
The application process is straightforward and consists of some easy to follow steps.
Read more about our application process.
Am I eligible for the free gift if I apply online?
If you take out a policy online with Legal & General or provide a promotional code at the time of applying you could be eligible to receive a free gift. Terms and conditions apply.

Or call us on
0800 316 5591
8am to 8pm Weekdays
9am to 5pm Saturday

We may record and monitor calls and call charges will vary.

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