Life Insurance From £6 a month 5 Star Rating comprehensive cover UK's Number One Life Insurance provider† Find out more Get a quote Our Life Insurance Key documents Cover details FAQs News and articles Trustpilot Read reviews What is Life Insurance? 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. How does Life Insurance work? 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, how long you need it for and whether you want to take out life insurance under joint or single names. For more help, take a look at our life insurance calculator or speak to your financial adviser. Premiums from only £6 a month depending on your individual circumstances Your cash sum could help pay the mortgage or help with everyday living expenses Peace of mind for you knowing life insurance can help financially protect your loved ones Option to add Critical Illness Cover for an additional cost when you take out your policy †UK's number one Life Insurance provider based on new individual Life Insurance sales in 2019, Term & Health Watch Report 2020, Swiss Re. Get a quote Or call us on 0800 316 5591 8:30am to 8pm Monday to Friday 9am to 1pm Saturday We may record and monitor calls *£100 Gift Card after you take out life cover. Terms and conditions apply. Cover details What's covered? You'll be covered if you die or if you're diagnosed with a terminal illness (with a life expectancy of less than 12 months) within the length of the policy. You choose how much cover you need and how long you need it for. Premiums are guaranteed and will not change unless you make changes to the policy. Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit. Terms and conditions apply. You have the option to add Critical Illness Cover at an extra cost when you take out your life insurance policy. Things you need to know This is not a savings or investment product and has no cash value unless a valid claim is made. If you stop paying premiums when due, your plan will be cancelled and you won't get anything back. You won't be covered within the first year of the policy if 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 won't be covered if your terminal illness does not meet our definition. See the Policy Booklet PDF for more information. 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 important information and key documents before you apply: Policy Summary Policy Booklet Life insurance explained Do I need life insurance? 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 financialy, as well as people with a mortgage on the family house. When should I get life insurance Are you eligible for life insurance? 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: at least 18 years of age currently living in the UK and have spent at least 183 days in the UK in the last tax year. Get a quote Life Insurance Calculator How much cover will you need? Our life insurance calculator is the easiest way to estimate how much cover you may need to financially protect your loved ones. Calculate your life insurance What type of life insurance do you need? We offer more than one type of life insurance as everyone's needs are different. Life Insurance With this policy you could choose a cash sum amount that stays the same throughout your policy term (which is why this type of life insurance is sometimes known as 'level term' life insurance). Your monthly premiums will remain the same unless you make a change to your policy. The cash sum could be used to cover childcare costs, school fees or unpaid bills, helping to financially protect your family if you pass away. Find out more about the types of life insurance we offer. Decreasing Life Insurance This type of life insurance is often taken out to protect a mortgage. You choose a term duration that covers the length of your mortgage repayments, and the cash sum decreases roughly in line with the way a repayment mortgage decreases. The premiums are lower, due to the fact the cash sum reduces over time. Find out more about Decreasing Life Insurance. Single or joint life insurance? Single or joint Life Insurance Single life insurance covers one person, whereas joint life insurance covers two lives. The difference is that joint life insurance pays out upon the death of the first insured person, at which point the cover stops. Some couples prefer to have single life insurance policies, which ensures the surviving partner still has cover after the first death, but joint life insurance policies can be cheaper. Read more about single v joint life insurance policies to work out which is best for your needs. Our Life Insurance claims process Step 1 - Get in touch We understand that making a claim is going to be distressing time for your loved ones. That's why our experienced claims staff are specially trained to handle all calls with care and compassion. Call them on 0800 137 101 between 9am and 5pm Monday to Friday. Step 2 - Assessment 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. Step 3 - Paying out If the claim is accepted, we'll pay out within 5 working days directly to the personal representative of the deceased person, usually the executor of the will. Life insurance FAQs What is life insurance? How does life insurance work? Am I eligible to apply for life insurance? How much Life Insurance do I need? When should I get life insurance? Can I cancel my policy if I no longer need it? Am I eligible for a free gift with life insurance if I apply online? What's the difference between Life Insurance vs Over 50s Fixed Life Insurance? Can I put my life insurance policy in Trust? How long should I get life insurance for? Can I have multiple life insurance policies at the same time? What does life insurance not cover? View all FAQs Why use Legal & General Award Winning Provider **Voted Life Insurance Provider of the Year (Direct) Moneyfacts Consumer Awards, 2020 & 2021. Expert Rated Our Life Insurance Plan has been 5 Star Rated. The UK’s No.1 Life Insurance Provider *Based on new individual Life Insurance sales in 2020, Term & Health Watch report 2021, Swiss Re. What our customers are saying Read more Ready to get a life insurance quote? Get a quote Call us on 0800 316 5591 8:30am to 8pm Monday to Friday 9am to 1pm Saturday We may record and monitor calls. Related information and products Life Insurance additional benefits When you take out our Life Insurance we include a number of additional benefits at no extra cost, such as Free Life Cover and Terminal Illness Cover (where life expectancy is less than 12 months), giving you extra peace of mind. Terms and conditions apply. Life Insurance additional benefits Critical Illness Cover Get extra protection with Critical Illness Cover which can be added for an extra cost when you take out your life insurance policy. Critical Illness Cover Decreasing Life Insurance If you're looking for life cover to specifically cover a repayment mortgage, take a look at our Decreasing Life Insurance where the amount of cover reduces roughly in line with the way a repayment mortgage reduces. Decreasing Life Insurance News and articles Life insurance calculator Use our life insurance calculator to help you work out how much cover you might need. Life insurance calculator Life insurance news and guides From information about different types of life insurance to articles about looking after your health and well-being - check out our wide variety of articles and guides. Find out more Making life insurance quotes easier Getting life insurance quotes is one of those things that probably gets pushed to the bottom of the list. You may think it's going to be too complicated or time-consuming or you simply keep putting it off because it's not something you want to think about. Here to help with your Coronavirus questions We understand you might have questions or concerns about COVID-19 (Coronavirus) and the effect on your finances, so we’ve put together some answers to common questions and useful information to help give you answers. 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