Charges + premiums

• The premium we quote you is affected by a number of factors. The main ones are your age, sex, occupation, smoker status, health, the level of cover you need and type of contract that you choose. The older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
• There are no hidden extras - premium payments include all expenses and cover starts from just £6 per month.
• Premiums are guaranteed - you pay the same throughout the term of the plan. However, if you decide to include critical illness cover in your plan, you can choose between guaranteed and reviewable premiums.
• You can increase the amount your policy covers you for in the future, but your premium will increase. There are also certain terms and conditions for increasing your cover, which are outlined in the key features and policy conditions PDF documents. Please read them carefully.
• Legal & General's term assurance (life insurance) includes terminal illness cover at no extra cost. Read about terminal illness cover.