Life Insurance

No one knows what the future holds, but if you were to die, how would your family cope financially? Could they pay the mortgage and other household bills? Life insurance could provide the security of knowing your loved ones will still manage financially if you were no longer around.

*Based on new individual Life Insurance sales in 2017, Term & Health Watch report 2018, Swiss Re

Types of cover

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 (interest only).

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.

What's covered?

You'll be covered if you die or are diagnosed with a terminal illness (life expectancy less than 12 months) within the length of the policy.
You choose the amount of 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. Please read the Policy Summary PDF.
You can add Critical Illness Cover at an extra cost when you take out your life insurance policy.

Important information

Life insurance is not a savings or investment product and has no cash value unless a valid claim is made.

If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless your amount of cover is adjusted to match any new mortgage arrangements. If you have Decreasing Life Insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.

What's not covered?

You won't be covered if within the first year of the policy, 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 the terminal illness does not meet our definition
You won't be covered if the premiums under the policy are not up to date
You won't be covered if a terminal illness claim is made after death

Please read the Policy Summary PDF, Policy Booklet PDF and Guide to Critical Illness Cover PDF before you apply.

Disclaimer

*Cashback amounts:

Premium	Cashback amount
£6 - £10	£31
£10.01 - £20	£55
£20.01 - £30	£115
£30.01 - £40	£175
£40.01 - £50	£235
£50.01 - £60	£295
£60.01+	£355

Please remember to choose a premium that you can afford now and in the future and only apply for the amount of cover that you need.

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, on or before 31 January 2019 online via QuidCo.
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.

Life Insurance

Help protect your family. Premiums from only £6 a month.

Types of cover

Life Insurance

Decreasing Life Insurance

Product details

What's covered?

What's not covered?

Ready to help protect your family?

Why use Legal & General

Voted Life Insurance Provider of the Year (Direct) at the Moneyfacts Consumer Awards, 2016 & 2017.

Life Insurance Provider of the Year (Direct) - Highly Commended at the Moneyfacts Consumer Awards, 2018 & 2019

Trust

Disclaimer

*Cashback amounts:

Cashback Terms and Conditions