Life insurance to help protect your loved ones

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.

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

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.

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.

Get a free quote

Call us free on 0800 316 5591

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

We may record and monitor calls

Cashback FAQs

Quidco logo

  • 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.

Terms and conditions apply.

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 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 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 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