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Life Insurance and Critical Illness Cover

Legal & General is the UK’s number one provider of Life Insurance, no one covers more lives in the UK*. With L&G as our provider, you too can have the peace of mind that their life insurance products bring, with prices starting from just £6 a month.

Choose from Life Insurance or Life Insurance with Critical Illness Cover and your loved ones could be financially protected should the unthinkable happen.

*Based on new individual Life Insurance sales in 2023, Term & Health Watch report 2024, Swiss Re.

The products may be suitable if you:

  • Are at least 18 years of age
  • Are a UK resident and have spent at least 183 days in the UK in the last tax year
  • Have dependants and there is little or no access to funds elsewhere if you were to die or suffer from one of the critical illnesses covered
  • Want either a fixed or decreasing level of cover (see 'Types of cover' below)
  • Can afford the monthly premiums

The products may not be suitable if you:

  • Are not a UK resident or are a UK resident who has not spent at least 183 days in the UK in the last tax year
  • Have no dependants and there is reasonable access to funds elsewhere if you were to die or suffer from one of the critical illnesses covered
  • Want a monthly benefit rather than a lump sum payout
  • Cannot afford the monthly premiums

About our services

You won't receive any advice from us in relation to financial protection products. To make you aware, we only offer protection products through our arrangement with Legal & General.

About our services (PDF)

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Find out more and get a quote

You can find out all you need to know about the types of products that may be suitable for you and how they can protect you and your loved ones. Click here for more information and to get a quote.

Why consider life cover?

People take out life insurance for all kinds of reasons. Most want to make sure their loved ones will be provided for. So if the worst should happen, you can still provide life's essentials such as covering the mortgage, childcare costs and everyday living expenses. Others may even want to take out life insurance to help cover the cost of their funeral when the time comes. It all depends on your individual circumstances.

Types of cover

You can choose between two different types of cover: Life Insurance and Decreasing Life Insurance. Each starts from £6 a month and for an additional cost, you can add optional Critical Illness Cover. This can help minimise the financial impact on you and your family if you're diagnosed with a specified critical illness.

Life Insurance

  • Life Insurance could pay out a cash sum if you die while covered by the policy.
  • The amount of cover you choose will stay fixed unless you change your policy
  • You choose the amount of cover you need and how long you need it for

Please note: Life cover policies have no cash value unless a valid claim is made

Decreasing Life Insurance

  • Decreasing Life Insurance is designed to help protect a repayment mortgage
  • The amount of cover reduces roughly in line with the way a repayment mortgage reduces. Meaning your loved ones could continue to live in the family home without worrying about the mortgage
  • You can choose the amount of cover you need and how long you need it for. It's important to ensure the amount of cover matches your outstanding mortgage

Please note: Life cover policies have no cash value unless a valid claim is made