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Legal And General Life Insurance Review
L & G was founded in 1836 and has helped over 10 million people around the world with a variety of insurance products and investment and saving solutions. They are one of the most popular brands when it comes to life insurance. Often due to their competitive prices and cover. But Legal and General Reviews can be a bit mixed even when getting 4.5 stars with Trustpilot.
Some of the benefits of Legal & General life insurance are:
- Accidental Death Benefit - You are covered while the application is in process
- Terminal Illness Cover - L&G will pay out the fill amount of cover if you are diagnosed to die within 12 months.
- Free Life Cover - You are covered between exchange and completion if covering a mortgage.
- Making Changes to a policy - You may be able to increase your cover without the need for any further medical information on certain life events.
- Second Medical Opinion - An additional service can which gives you access to a database of consultant specialists throughout the UK, to support your claim.
What Does Legal & General Offer
Legal and General offer a stand alone life insurance with an optional of life and critical illness. Critical illness as a stand alone policy is not available. This can be as a level term policy or decreasing if you want to cover a mortgage. They have also improved their cover by now also offering "Critical Illness Extra". This means they now offer 48 full payout conditions with another 28 additional payments up to a maximum of £30,000. Childrens critical illness cover is included but can also benefit from the upgrade to "Critical Illness Extra"
Legal & General paid out £332.7m in 2018 across 10,046 claims, the equivalent of 28 a day. The insurer paid 97% of all life claims last year. The three main conditions were cancer (38%), cardiovascular disease (18%) and pneumonia (7%), with an average customer payout of £34,279
The standard Legal & General life insurance cover starts from £6 a month with the provider. Needless to say, your unique situation and requirements will then affect the final cost. As such, if you are worried that your Legal and General life cover might get too expensive, we provide can obviously provide you quotes from other Top UK brands.
We partner with Legal & General life insurance among other insurance providers. Being a whole of market broker we can help you get the protection you need for your loved ones at at big discount. Share your details with our online quote system and let the tool do all the calculations for you to find the best deal.
Using our online quote form you can get a within minutes and apply online. You can also request a call from our friendly advisors if you need any help choosing your Legal and General life insurance plan. Because we help you compare a variety of discounted quotes from reputable life cover insurers in the UK, you can rely on us to get you the best deal. There’s no trick or hidden fees. We provide qualified and reliable advice with no obligation to purchase on your end.
More importantly, we take care of our customers and have a responsibility to give you the best possible advice for your situation.
If you are unsure how to pick the best life insurance cover for your needs, or if you are set on signing up for a Legal & General life insurance plan, we can help you navigate the confusing legal jargon and find the best deal. Don’t hesitate to get in touch with our team of advisors on 0207 112 8844 to discuss your situation.
Discount Life Insurance…Why Use Us
We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.
Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.