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Life insurance FAQs.
Our life assurance helps you protect your loved ones financially in the event of your death. If you die during the period of cover, your policy pays out your chosen amount of cover. You choose the amount of cover you need and the length of time you want to be insured for.
Our life assurance policies automatically include Terminal Illness Cover at no extra cost, and this means we'll pay your chosen amount of cover if you're diagnosed with a terminal illness and have less than 12 months to live. Terms and conditions apply.
Mortgage Term Assurance - designed to help pay off your interest only mortgage if you die during the term of your policy.
Mortgage Decreasing Term Assurance - designed to help protect a repayment mortgage as the amount of cover reduces roughly in line with mortgage.
Your premiums are guaranteed to stay the same for all types of policies unless you alter your policy. Full details can be found in the Key Features Document PDF
You can add Critical Illness Cover and Waiver of Premium to our policies for an additional cost.
Tell me more about life assurance
We recognise that sometimes your protection needs change. Our polices 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.
If you cancel within 30 days we will return any premiums paid. If you cancel after 30 days you won't get anything back. Our life assurance policies are not savings or investment products and have no cash value unless a valid claim is made.
Read more about our application process.
If you took a policy out online with Legal & General or provided a promotional code at the time of sale you could be eligible to receive a free gift. Terms and conditions apply.
0800 316 5591
9am to 5pm Saturday
We may record and monitor calls and call charges will vary.
Contact Us
Visit our Contact Us section for useful telephone numbers, email and postal addresses.
I need to make a claim
Visit our claims section for all the information and contact details you'll need when making a claim.
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