Life Insurance
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Frequently asked questions
Life Insurance

Life insurance, also referred to as term assurance, is a simple, popular and cost effective way to help protect your family financially in the event of your death. If you die during the term of your life insurance policy, or you are diagnosed and are eligible to claim for a terminal illness, a lump sum will be paid.

You choose how much life insurance you buy. People often want their policies to pay out a multiple of their salary or the value of their mortgage. You may have dependants to think of, or an unprotected loan to cover. Many employers provide up to four times your salary as life cover. This may not be enough to maintain your family's present standard of living; if you are unsure please contact a financial adviser who will help you decide on the appropriate level of life insurance cover for your personal circumstances.

If you want to increase the amount of life cover you have then you can use the Guaranteed Insurability Option. This is subject to certain conditions which are detailed in the Key Features Document.

We calculate your life insurance premiums based mainly on your age, your occupation, whether you smoke, your medical history, the level of cover you need, how long you need the cover for and the type of contract that you choose. For example, the older you are, the higher your premium will be.

Life insurance premiums start from just £5 a month. Your cover will depend on your individual circumstances and needs and the premium you choose to pay. There are no hidden extras. Why not get a quote for online life insurance right now?

No, if the plan covers two people it will only pay out once. This would be when the first of you dies or becomes eligible for terminal illness cover whichever comes first. The policy will then end and no further benefits will be payable.

Level term means the amount you are insured for remains the same throughout the term of your policy unless you exercise a Guaranteed Insurability Option.

Mortgage term insurance (mortgage life cover) offers you reassurance that in the event of your death, or diagnosis of a terminal illness, there will be help paying off the mortgage. It is not connected to the mortgage itself or the repayments you make on it. You will pay a fixed monthly premium for the term (length of time) you have chosen.

Mortgage decreasing term insurance is where the amount you are insured for decreases over time. Since your monthly premium is fixed but the sum you are insured for decreases roughly in line with the way a repayment mortgage reduces, it's generally cheaper than mortgage term insurance. In some circumstances, the lump sum paid out may not be enough to pay off your repayment mortgage in full, for example if your mortgage interest rate averages over 10% during the term of the plan.

Terminal illness cover is designed to cover you if you die or are diagnosed as being terminally ill during the policy term, and in the opinion of your hospital consultant and our medical officer, the illness is expected to lead to death within 12 months. Terminal illness can't be claimed after your death or if the length of your policy is less than two years. Terminal illness cover is automatically included in your policy at no extra charge.

If you're concerned about the possibility of being unable to pay your premiums due to not being able to work for 26 weeks or more, you should consider Waiver of Premium option at the outset for an additional cost. If you choose to take out this option on your life insurance or mortgage insurance, your premium will be waived after 26 weeks as a result of incapacity due to illness or accident. Terms and conditions apply. Please refer to the Key Features Document. for further information.

Sometimes when you submit your life insurance application Legal & General may not be able to give you an immediate decision and may request more information. During this time they provide you with free accidental death benefit so that you still have some protection in place. There is no underwriting required - giving you added peace of mind that you have cover in place in the event of accidental death. Some terms and conditions apply, please see the Key Features Document.

We understand that your protection needs may change during the term of your policy and you may need to change your level of cover. Our policies are flexible allowing you to change your cover in line with your new circumstances. Options include:

  • Changing the duration of your policy
  • Increasing or decreasing the amount of cover
  • Changing between monthly or annual premiums
  • Removing a person from a joint policy where cover is no longer required for that person
  • Splitting a joint life policy in to two single life policies in the event of divorce, dissolution of a civil partnership, or taking out a mortgage in the name of one person on the policy

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