Ensure life goes on with life insurance

Life Insurance

  • From £5 a month
  • 5 Star Rated cover
  • UK's No 1 Life Insurance provider*
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Ensure life goes on, with Life Insurance

What if the unthinkable happened to you? Life insurance is there to ensure the life you’ve built together goes on. From keeping the roof over their heads, to paying the ever-increasing bills, life insurance means you can keep providing the things that really matter after you're gone.

A provider you can trust, now and in the future. No-one covers more families in the UK than us* (based on new life insurance sales). And with fixed monthly premiums unless you make any changes to your policy, you’ll always know exactly how much you’re paying – no surprises.

Some great reasons why to choose us:

  • Premiums from only £5 a month depending on your individual circumstances
  • 5 Star Defaqto rated cover, the highest rating possible!
  • Voted Life Insurance Provider of the Year (direct) – 2020-2023**

Types of cover

Mother and baby

Life Insurance

Your chosen cash sum could be paid out if you die during the length of the policy. It could be used to help protect the family's lifestyle and everyday living expenses or help to pay the mortgage.

Family standing in their door

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. Meaning your loved ones could continue to live in the family home without worrying about the mortgage.

Your cashback - Frequently asked questions

TopCashback logo

  • To be eligible for cashback your application must be completed online via TopCashback
  • Your cashback amount is based on your monthly premium, ensure your cover is affordable and meets your needs
  • You can track your cashback via the Topcashback website
  • Once you have paid 6 monthly payments in 6 consecutive months your cashback is processed by Topcashback and should be paid within 4-10 weeks
  • For queries regarding cashback please refer to TopCashback directly and complete a cashback query form. Legal & General are unable to deal with queries directly.

Terms and conditions apply.

Or call us on 0800 316 5591

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

We may record and monitor calls

Life Insurance 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.

Ready to help protect your family?

Why choose Legal & General for your life insurance

Life insurance provider of the year

Award winning cover

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

Number one rosette

The UK's No.1 Life Insurance Provider

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

Defaqto 5 star expert rated image

Expert rated

5 Star Defaqto rated cover, the highest rating possible!

What our customers are saying

Cashback Terms and Conditions

  • This offer is only available to customers who take out a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover online via TopCashback.
  • You will be eligible for your cashback six months after your policy start date, provided you haven't cancelled your policy and your payments are fully up to date.
  • If you purchase a Legal & General Life Insurance or Decreasing Life Insurance, with or without Critical Illness Cover via a Cashback website, you will not be eligible for any other Legal & General Life Cover 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 cashback 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 cashback reward per policy sold.
  • This offer cannot be used in conjunction with any other discount or offers