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Legal & General life insurance and protection - what to know

Legal & General was founded in 1836 by six lawyers in London and remains one of the best known protection providers in the UK.

This is an information page, not a recommendation. The right insurer depends on your circumstances and underwriting. Product details change over time, so always verify with Legal & General or an adviser before relying on any detail.

About Legal & General

Legal & General (L&G) is a long-established UK financial services group founded in 1836. It offers a range of individual protection products to UK customers, available directly and through financial advisers and brokers.

Its protection range covers life insurance, decreasing (mortgage-aligned) cover, over-50s life cover, critical illness cover and income protection. Features such as terminal illness cover and children's critical illness cover may be included within certain products.

The cover L&G can offer, the terms and the premium depend on the information provided during the application and the outcome of underwriting, which is assessed on an individual basis.

Protection products in the UK

  • Life insurance (level term)
  • Decreasing life insurance
  • Over-50s life insurance
  • Critical illness cover
  • Income protection

Published claims statistics

These figures are published by the insurer or a reputable source and describe its overall claims experience in a given year. They are not a guarantee of how any individual claim will be assessed.

2025

Legal & General paid £992 million in individual protection claims, supporting 20,621 customers and families

Source: Our protection claims (Legal & General adviser claims page)

Good to know

  • L&G protection plans can come with Wellbeing Support, which provides access to registered nurses for the policyholder and their immediate family.
  • Care Concierge offers free, impartial telephone guidance to help customers understand and find later-life care options.
  • Claims statistics reflect the insurer's overall experience in a given year and do not guarantee the outcome of any individual claim.

How GoInsureMe fits in

GoInsureMe is a whole-of-market broker. We compare Legal & General against other insurers on our panel and recommend cover based on your individual circumstances. We are not tied to Legal & General and do not earn more for placing you with one insurer over another.

The cheapest or best-known insurer is not automatically the right one for you. Your health, age, occupation, family and budget all affect which insurer will offer suitable terms, and which questions you may be asked during the application.

Compare your options

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A free callback can help you compare suitable cover across the market, based on your health, budget and cover goals.

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Important

This page is for information only and is not a recommendation or financial advice. GoInsureMe is not affiliated with or endorsed by Legal & General. Product details, support services and claims statistics change over time and may differ for your policy. Always verify the current details with Legal & General or speak to a regulated adviser before making a decision. GoInsureMe is a trading style of Pure Protection Ltd, authorised and regulated by the Financial Conduct Authority.