Life Insurance

From £5 a month
5 Star Rated cover
UK's No.1 Life Insurance provider**

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Read our life insurance reviews

It's not for you, it's for them

Providing for your loved ones is so important. But what would happen if the worst happened to you? Life Insurance could financially protect your loved ones when they need it most. After all, life insurance is not for you. It’s for them.

How does Life Insurance work?

Our Life Insurance could pay out a cash sum if you die or are diagnosed with a terminal illness while covered by the policy (provided life expectancy is less than 12 months). The amount of cover you choose will stay fixed unless you make changes to your policy.

You choose the amount of cover you need and how long you need it for. You can take out life insurance under joint or single names and you can pay your premiums monthly or annually.

Premiums from only £5 a month depending on your individual circumstances
Your cash sum could help pay the mortgage or help with everyday living expenses
Peace of mind knowing life insurance can help financially protect your loved ones

We also offer Decreasing Life Insurance, designed to help protect a repayment mortgage so the amount of cover reduces roughly in line with the way a repayment mortgage decreases. Helping your loved ones to stay in the family home without worrying about the mortgage.

**UK's number one Life Insurance provider based on new individual Life Insurance sales in 2022, Term & Health Watch Report 2023, Swiss Re.

Or call us on 0800 316 5591
8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls

Receive a £120 gift card

after you take out cover on or before 22 November 2024.

Restrictions apply, see www.amazon.co.uk/gc-legal

Cover details

What's covered?

You'll be covered if you die or if you're diagnosed with a terminal illness (with a life expectancy of less than 12 months) within the length of the policy.
You choose how much cover you need and how long you need it for.
Premiums are guaranteed and will not change unless you make changes to the policy.
Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit. Terms and conditions apply.
You have the option to add Critical Illness Cover at an extra cost when you take out your life insurance policy.

Please read the key documents before you apply:

Things you need to know

This is not a savings or investment product and has no cash value unless a valid claim is made.
If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
You won't be covered within the first year of the policy if you die as a result of suicide or intentional and serious self-injury, or an event where, in our reasonable opinion, you took your own life.
You won't be covered if your terminal illness does not meet our definition. See the Policy Booklet PDF(3.2MB) for more information.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements. If you take out Decreasing Life Insurance you should also check that the interest rate on your mortgage does not become higher than the rate applied to the policy. The rate will be shown in your Personal Quote or the Policy Booklet.

Why choose Legal & General for your life insurance

Award winning cover

**We've been crowned 'Life Insurance Provider of the Year (Direct)' for the 5th time at the 2024 awards.

The UK's No.1 Life Insurance Provider

*Based on new individual Life Insurance sales in 2023, Term & Health Watch report 2024, Swiss Re.

Expert rated

5 Star Defaqto rated cover, the highest rating possible!

Ready to get a life insurance quote?

Call us on 0800 316 5591

8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls.

What our customers are saying

Terms and conditions

If you buy Life Insurance and/or Decreasing Life Insurance with or without Critical Illness Cover on or before 22 November 2024, you’ll be entitled to either a £120 Amazon.co.uk Gift Card* or M&S e-Gift Card after you apply online or by phone. Please read the following terms and conditions before you apply:

This offer is only available to customers who take out a Legal & General Life Insurance and/or Decreasing Life Insurance policy, with or without Critical Illness Cover online or via the telephone.
You will be eligible for your e-Gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date. A letter or email will be sent to you with details of how to redeem your e-Gift card, please allow 60 days from your policy start date for delivery of this communication. Once you have chosen your gift card it cannot be changed.
This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover via a Cashback site.
This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’t www.legalandgeneral.com, such as a comparison site, you will not be eligible for this offer.
If you have previously held and cancelled a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover within the last 18 months, you will not be eligible for this offer.
Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for an e-Gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused.
This offer is limited to one e-Gift card per policy sold.
You have twelve months from your policy start date to claim your e-Gift card or you will not be eligible for this offer.
Legal & General reserve an absolute right to amend and/or withdraw any offer at any time.
No cash alternative will be offered.
This offer cannot be used in conjunction with any other discount or offers.

*Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Cards ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products available on www.amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.