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Legal And General Life Insurance Review

  • Legal & General life insurance review 2026
  • UK's largest life insurer by policies
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Legal And General Life Insurance Review

Comprehensive 2026 review of Legal & General life insurance. As the UK's largest life insurer with 10+ million policies in force and 189 years of experience since 1836, discover if L&G offers the right cover for you. With a 98%+ claims payout ratio, AA- financial strength rating, and £1.2 billion paid in claims in 2023, Legal & General consistently ranks among the best UK life insurers. Compare L&G with 50+ other providers through LifePro - we sold 206,655 L&G policies over 5 years (21,612 in 2023 alone).

By: Lorna Bailey Protection Expert Updated: 2nd January 2026

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Since forming in 1836, Legal & General have become one of the UK’s best life insurance providers, offering a range of policies to suit a variety of needs.

But what exactly do they offer and how does it compare to others on the market?

Legal & General are on our panel of leading UK insurers, meaning we can help you compare prices and provide you with all the information you must establish whether they’re the right insurer for you.

Throughout 2023, we sold 21,612 policies from Legal & General, meaning over the last 5 years we’ve sold 206,655 Legal & General policies^.

Enter your financial commitments to understand the level of Legal & General life insurance cover you require.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Legal And General Life Insurance, and find the right level of cover for your needs at the best available price.

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Frequently Asked Questions

Is Legal & General a good life insurance company?

Legal & General is the UK's largest life insurer by policies in force (10+ million). Founded in 1836, they have 189 years of experience and paid over £1.2 billion in life insurance claims in 2023. They have an AA- financial strength rating (Very Strong) and pay out 98%+ of claims. L&G is consistently rated among the best UK life insurers and is available through LifePro - we sold 21,612 L&G policies in 2023 alone.

What types of life insurance does Legal & General offer?

Legal & General offers comprehensive life insurance options: Level term life insurance (fixed payout), Decreasing term (mortgage protection), Increasing term (inflation-protected), Family income benefit (regular payments), Over 50s life plan (guaranteed acceptance 50-80). Optional add-ons: Critical illness cover, Total permanent disability cover, Terminal illness acceleration. All available through LifePro brokers.

How much does Legal & General life insurance cost?

Legal & General premiums are very competitive and often among the cheapest. Example: 35-year-old non-smoker, £250,000 cover over 25 years might pay £10-15/month with L&G. Cost depends on: Age, health, smoking status, cover amount, policy term, add-ons selected. LifePro sold 206,655 L&G policies over 5 years because they consistently offer excellent value. Always compare to ensure best rate.

Does Legal & General pay claims quickly?

Legal & General has an excellent claims record: 98%+ claims payout ratio, £1.2 billion+ paid in 2023, Average payout time: 10-15 working days for straightforward claims. Main decline reasons: Non-disclosure of medical conditions, Policy lapsed (non-payment), Death within suicide exclusion (first 12 months). L&G's claims performance is consistently strong and transparent.

Should I buy Legal & General directly or through LifePro?

Buying through LifePro offers advantages: Compare L&G with 50+ other insurers (may find cheaper option), No extra cost (L&G pays broker commission), Expert advice on which L&G policy suits you, Help with application and medical disclosures, Free claims support if needed. Direct purchase from L&G means you only see their prices. LifePro sold 21,612 L&G policies in 2023 - they're often the best choice but not always.

What makes Legal & General different from other insurers?

Legal & General stands out for: UK's largest life insurer (10+ million policies), Consistent competitive pricing (often cheapest), 189 years in business (since 1836), Strong financial stability (AA- rated), High claims payout ratio (98%+), Wide product range and flexibility, Excellent digital tools and customer service. L&G combines size, stability, and value - a safe choice for UK life insurance.

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