Legal & General Life Insurance
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
Why Choose Legal & General Life Insurance?
Legal & General has been a trusted name in financial services since 1836, providing reliable and flexible life insurance solutions for individuals and families across the UK. With a strong track record of claims payouts and a commitment to financial security, Legal & General offers policies that cater to various needs and budgets.
Life insurance provides peace of mind, ensuring that your loved ones are financially secure in the event of your passing. Whether you’re looking to cover mortgage repayments, replace lost income, or leave a financial legacy, Legal & General has a policy to suit your needs.
The Importance of Life Insurance
Many people underestimate the financial impact of losing a primary income earner. Legal & General’s life insurance policies are designed to provide essential financial support to your dependents, helping them cover:
- Mortgage and rent payments
- Household expenses
- Childcare and education costs
- Funeral and medical expenses
- Outstanding debts and financial obligations
Without life insurance, your loved ones may struggle to maintain their standard of living. Planning ahead ensures they are protected, even in the most difficult circumstances.
Types of Life Insurance Offered by Legal & General
Life Insurance
This policy ensures that a tax-free lump sum is paid to your loved ones if you pass away during the term of the policy. It provides:
- Fixed coverage amount
- Affordable premiums
- Terminal illness cover included at no extra cost
- Flexible policy terms to match your specific needs
- Option to add Critical Illness Cover for extra protection
Decreasing Life Insurance
Designed to align with a repayment mortgage, this type of policy decreases in value over time, ensuring that your outstanding mortgage is covered if you pass away. Features include:
- Lower premiums than standard life insurance
- Tailored coverage that decreases in line with your mortgage balance
- Terminal illness cover included
- Ideal for homeowners who want financial security for their family
Over 50s Life Insurance
For UK residents aged 50 to 80, this plan offers guaranteed acceptance with no medical underwriting. It is ideal for covering funeral costs or leaving a small inheritance. Benefits include:
- Guaranteed payout upon passing
- Fixed monthly premiums
- No medical questions required
- Free Funeral Payout option available with selected providers
Benefits of Legal & General Life Insurance
Financial Security for Your Loved Ones
Legal & General’s policies provide peace of mind, ensuring your family is financially secure if the unexpected happens.
Terminal Illness Cover
Included in most policies, this feature allows for an early payout if diagnosed with a terminal illness and given less than 12 months to live.
Accidental Death Benefit
While your application is being processed, you receive temporary accidental death cover, ensuring immediate protection.
Wellbeing Support Services
With select policies, policyholders have access to professional wellbeing support, including bereavement counselling and mental health services.
Flexible Premium Options
Choose from a variety of premium structures that suit your budget and long-term needs.
Claims & Payouts
Legal & General has a strong track record of claims payout, with over £519 million paid in life insurance claims in 2023, supporting more than 13,000 families. Their commitment to providing financial support during difficult times makes them a trusted choice for life insurance.
How to Get a Legal & General Life Insurance Quote
Getting a quote is quick and easy. Simply enter your details, choose your coverage level, and receive an instant estimate. Legal & General’s advisors are available to guide you in selecting the best policy for your needs.
Comparison Table of Legal & General Life Insurance Policies:
|
Policy Type |
Coverage Amount |
Term Length |
Medical Required? |
Key Benefit |
|
Life Insurance |
Fixed Amount |
5-50 years |
Yes |
Pays out a lump sum |
|
Decreasing Life Insurance |
Decreases over time |
Matches mortgage |
Yes |
Covers outstanding mortgage |
|
Over 50s Life Insurance |
Fixed Amount |
Lifetime |
No |
Guaranteed acceptance |
Additional Resources & Support
Legal & General understands that choosing life insurance can be overwhelming. That’s why we offer:
- Life Insurance Calculators to help you determine the right level of coverage.
- Expert Advice from professional advisors who can guide you through your options.
Get Protected Today
Secure your family’s financial future with Legal & General Life Insurance. Get a quote now and take the first step toward peace of mind.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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