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Life insurance provider of the year - Moneyfacts 2026

Life Insurance

Financial protection for your family

  • Cover from £5 a month
  • Access to Wellbeing Support
  • Rated 'Excellent' on Trustpilot 
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Trustpilot
L&G life insurance has an ‘Excellent’ star rating of 4.4/5 stars. Read our customer reviews.

Protect life as they know it.​

Think of life insurance like a safety net that helps protect your family financially when you’re no longer here. It pays out if you pass away while covered by the policy or are diagnosed with a terminal illness and your life expectancy is less than 12 months. The payout from a life insurance policy can help your loved ones manage outstanding debts such as the mortgage and keep up with the monthly bills and childcare costs.

 

Benefits of our life insurance

Quick and easy cover

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

We're there when you need us

In 2025 we paid out over £527 million in life claims, that's an average of £1.4million every single day. Helping almost 14,000 people and their families.

Fixed monthly costs

Cover starts from just £5 a month and will never go up, unless you make changes to your policy. Tell us about the cover you want for a personalised quote.

Wellbeing Support

Practical and emotional help at no extra cost


You and your immediate family will get​ access to Wellbeing Support when​ you take out Life Insurance with us,​ thanks to our partnership with RedArc​ Assured Ltd.​ This connects you with experienced,​ registered nurses who offer a wide range of phone‑based wellbeing​ support.

Here’s a few examples of how they​ could support you:​

  • Bereavement counselling or​ therapy​
  • Physiotherapy after injury​
  • Help with managing serious or​ chronic illness​
Learn more

What life insurance covers

What's covered

  • Cash lump sum payment – you choose how much cover you need and how long you need it for. We’ll pay out a cash 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 if you're diagnosed with a terminal illness that meets our definition. See the Policy Terms and Conditions 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 documents.

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.

pdf - 314.97 KB

Policy Summary

pdf - 355.84 KB

Policy Terms and Conditions
Life insurance welcome gift card

£100 gift card

after you take out cover. Restrictions apply - Read more on Amazon

Life insurance calculator

Our life insurance calculator is the easiest way to estimate how much cover you may need to financially protect your loved ones.

Calculate your life insurance

Supporting benefits

Wellbeing Support service

We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

 

  • Dedicated support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
  • Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
  • Get the help you need. You don't need to claim on your policy – you can simply get in touch with your nurse directly.
Wellbeing Support

Care Concierge

Care Concierge is personal service to help understand and find adult and later life care. There's a lot to consider when looking for care, and it's important that you or your loved one get the support they need.

 

  • Free access to our team of Care Experts, offering confidential and impartial telephone guidance. This can help you or loved ones understand and find adult and later life care. 
  • Available to the policyholder, their partner, children and parents.
  • Tailored 1:1 impartial advice. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.
Care Concierge

Why get life insurance with L&G?

We've been protecting families like yours for 190 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 2025 we paid out over £527 million in life claims, thats an average of £1.4 million every single day. Helping almost 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, offering confidential and impartial telephone guidance. This can help you or loved ones understand and find adult and later life care. Find out more.

Ready to get a life insurance quote?

Get a quote in 2 minutes

Call us on 0800 316 5591

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

We may record and monitor calls.

Our Life Insurance product reviews


As of 15 May 2026, 1,601 customers have rated our life insurance giving the product an average star rating of 4.4 out of 5 on Trustpilot. The score of 4.4 corresponds to the star label ‘Excellent’. It includes reviews from customers who’ve claimed on a policy.

 

Trustpilot

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.

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