
What is 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
Types of life insurance
Life insurance
Life insurance is where the cover and monthly payment (premium) you choose will stay the same for the length of your policy, unless you make any changes. If you pass away while covered, your family will get a cash sum to help with things like household bills or child care costs, for example.
Decreasing life insurance
Decreasing life insurance means the amount of cover will decrease over time, roughly in line with the way a repayment mortgage decreases. It's usually used to help protect a repayment mortgage. If you pass away while covered, your family would get a cash sum which could be used to help pay the mortgage.
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Cashback FAQs
- To be eligible for cashback your application must be completed online via Quidco
- 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 Quidco website
- Once you have paid 6 monthly payments in 6 consecutive months your cashback is processed by Quidco and should be paid within 4-10 weeks
- For queries regarding cashback please refer to Quidco directly and complete a cashback query form. Legal & General are unable to deal with queries directly.
What Decreasing Life Insurance covers
Life insurance - cover at a glance
Things you need to know
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.
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.
Our Life Insurance product reviews
As of 10 July 2025, 1,079 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.
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 Quidco.
- We will validate your Cashback claim after you have paid your sixth consecutive premium for your Legal & General Life Insurance policy and/ or Critical Illness policy, provided you haven’t cancelled your policy and your payments are fully up to date. Please allow up to eight (8) weeks following this for your Cashback to be processed and paid into your Quidco account.
- If you purchase 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