Life Insurance

Financial protection for your family

Cover for your loved ones from £5 a month
Choose a cover amount to suit your needs
Rated 'Excellent' on Trustpilot

Trustpilot

Our life insurance product has an ‘Excellent’ star label with ratings of 4.3 stars out of 5. Read reviews from customers like you.

Ensure life goes on, with Life Insurance

Think of life insurance like a safety net. It could pay out a cash sum if you were to pass away while covered by the policy or if you were diagnosed with a terminal illness and your life expectancy is less than 12 months. But while all life insurance policies broadly share the same principles, there are different details you can compare.

Benefits of our life insurance

Quick and easy cover

Get a free life insurance quote online in 2 minutes. You could be covered in just 20.

Help provide financial security for your loved ones

In 2024 we paid out £583 million in life claims, helping more than 14,000 people and their families.

Wellbeing support

We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service. Access phone-based services to support your mental health and wellbeing. Find out more.

Get a free quote

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

We may record and monitor calls

£100 gift card after you take out cover.

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

What Decreasing Life Insurance covers

Life insurance - cover at a glance

Cash lump sum payment – you choose how much cover you need and how long you need it for. We’ll pay that lump sum if you were to pass away after a valid claim is made.
Guaranteed premiums which can be made monthly or annually. They won’t change unless you make changes to the policy.
Accidental Death Benefit at no extra cost. We’ll cover you while we process your application, giving you peace of mind that you’re covered in case of accidental death. Terms and conditions apply.
Free Life Cover included at no extra cost. If you’re moving home, 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. Terms and conditions apply.
Terminal Illness Cover – you're covered from day one of your policy starting. We will pay out the full amount of cover if you're diagnosed with a terminal illness that meets our definition. See the Policy Booklet for more information.
Joint life separation – should you divorce/dissolve a registered civil partnership we can cancel your policy and set up two single policies. Terms and conditions apply.
Critical Illness Cover – for an extra cost you have the option to add this when you take out your life insurance policy.

Things you need to know

Not paying your premiums. If you stop paying premiums when due, your plan will be cancelled and you won't get anything back
No cash value. This is not a savings or investment product and has no cash value unless a valid claim is made.
Suicide or intentional self-injury in the first year. The policy will be cancelled if within the first year 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're covered only for the policy term. You're covered for your chosen length of policy until the expiry date, unless the amount of cover is paid out, or the policy is cancelled by you or us. Cover will stop when the policy ends and no further premiums will be payable.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your cover amount 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.

Policy documents

See a full list of what is and isn't covered in our policy documents before you apply. If you are an existing customer please refer to your policy documents for details of your cover.

Ready to help protect your family?

Why get life insurance with L&G?

We've been protecting families like yours for over 185 years. You can trust us to provide expert cover and supporting benefits.

Defaqto 5 Star Rated

5 Star Defaqto rated cover - the highest rating possible!

There when you need us

In 2024 we paid out £583 million in life claims, helping more than 14,000 people and their families.

Wellbeing Support

We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service, offering phone-based services to support your mental health and wellbeing.

Care Concierge

Free access to our team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones understand and find adult and later life care. Find out more.

Our Life Insurance product reviews

As of 28 May 2025, 1,010 customers have rated our life insurance giving the product an average star rating of 4.3 out of 5 on Trustpilot. The score of 4.3 corresponds to the star label ‘Excellent’. It includes reviews from customers who’ve claimed on a policy.

Terms and conditions

If you buy Life Insurance and/or Decreasing Life Insurance with or without Critical Illness Cover, you’ll be entitled to either a £100 Amazon.co.uk Gift Card* or M&S e-Gift Card when 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 website.
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.