It's not for you...it's for them.
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Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. If you die or if you're diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy, it could pay out a cash sum. Life Insurance can’t replace the love you give but it could help during a difficult time.
After all, life insurance is not for you...its for them.
Our Life Insurance could pay out a cash sum if you die or are diagnosed with a terminal illness while covered by the policy (provided your life expectancy is less than 12 months). The amount of cover you choose will stay fixed unless you change your policy.
You choose the amount of cover you need and how long you need it for. You can take out life insurance under joint or single names and you can pay your premiums monthly or annually. For more help, take a look at our life insurance calculator or speak to your financial adviser.
Whether you need life insurance will depend on your individual circumstances. For example, life insurance can provide peace of mind for people with children, partners, or spouses that depend on them financially, as well as people with a mortgage on the family house.
Please remember that 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 you make sure your amount of cover is adjusted to match any new mortgage arrangements.
Please read the key documents below and the important information page before you apply.
Most people who apply are able to get cover for their needs, just make sure you answer all the questions truthfully when you apply. You are eligible to apply if you are:
Our life insurance calculator is the easiest way to estimate how much cover you may need to financially protect your loved ones.
We understand that making a claim is going to be distressing time for your loved ones. That's why our claims staff are specially trained to handle all calls with care and compassion.
Call them on 0800 137 101 between 9am and 5:30pm Monday to Friday or email us at email@example.com
Our expert claim handlers will deal with the claim as quickly as possible and will keep your loved ones informed throughout the process. They will contact them if they need any further information, such as a claim form or death certificate.
If the claim is accepted, we'll pay out within 5 working days directly to the personal reresentative of the deceased person, usually the executor of the will.
You must be at least 18 years of age, be currently living in the UK and must have spent at least 183 days in the UK in the last tax year. Upper age limits apply. See the Policy Summary for full details.
It depends on your individual circumstances. You may want to think about leaving a lump sum for your dependants or help clear an outstanding mortgage if you die (during your policy term). If you'd like more help, you might find our life insurance calculator useful. Alternatively, you could speak to your financial adviser if you have one.
After applying for cover you will receive a 30 day cancellation notice which you must send back if you decide not to continue with the policy.
If you cancel within 30 days we will return any premiums paid. If you cancel after 30 days you won't get anything back.
Please remember that life cover policies are not savings or investment products and have no cash value unless a valid claim is made.
If you take out a policy online with Legal & General or provide a promotional code at the time of applying you could be eligible to receive a free gift. Terms and conditions apply.
Life Insurance is designed to pay out a cash sum if you die during your chosen period of cover, which is a maximum of 50 years, but the policy must end before your 90th birthday. When assessing your Life Insurance application, we'll ask you questions about your medical history, occupation and lifestyle.
Over 50s Life Insurance is designed for people aged 50 to 80 who want a fixed cash sum to give to their loved ones when they die. It's for people who want guaranteed acceptance with a simple application process and who don't want to answer medical or lifestyle questions. You must be a UK resident to apply.
There are other important factors that you need to be aware of on both types of plan, so please read all the information available.