Legal & General life insurance review

All underwriting for Legal & General is carried out themselves.

Legal & General only apply exclusions for hazardous activity risks to their life insurance policies. They won’t add any exclusions to your life insurance policy for medical risks.

Hazardous activity exclusions will only be made if you request them. For example, if you have high risk hobbies or a high risk occupation you could opt for an exclusion to be added to your policy (loved ones won’t be able to claim for these reasons) or you could pay a higher premium.

However, if you secure critical illness cover, exclusions could be added to your policy depending on your medical history.

For example, if you’re living with a medical condition that’s covered under critical illness cover, this along with any related conditions will likely be excluded.

Yes, it’s possible to write Legal & General life insurance in trust.

Writing your policy in trust is the process of detaching your policy from your estate (any savings, property and possessions you own).

Key points with writing your policy in trust:

• Upon your passing, the rights to your policy are passed over to a trustee (of your choosing) who is responsible for distributing the funds as per your wishes
• Allows loved ones to avoid/minimise 40% inheritance tax and a lengthy probate process
• You have more control over who receives what and when as you can provide your trustee with clear instructions on what to do with the pay out

At Reassured we offer a FREE trust writing service with the majority of the policies we sell (including Legal & General).

We can talk you through the process and answer any questions you might have.

Yes, it’s possible to buy Legal & General life insurance online.

This can be done directly, through a comparison site or through Reassured.

Reassured offer a buy online service, giving our customers the flexibility to purchase a policy at a time that suits them.

You’ll have access to multiple quotes at your fingertips, including quotes from Legal & General.

Our online service is the fastest in the industry, allowing you to protect your family in under 11 minutes^*.

Claims can be made with Legal & General via phone or email:

• Email: life.claims@landg.com
• Phone: 0800 137 101 (phone lines are open Monday to Friday 09:00 - 17:30)

When making a claim, the following information is required:

• Policy number
• Name of deceased
• Cause of death and place of death (if known)
• Relationship to the deceased
• Legal next of kin (if known)

Once a claim has been accepted, Legal & General aim to pay out within 5 days.

You can cancel your Legal & General life insurance policy by contacting them directly.

If you cancel within 30 days of the start of your policy, any premiums you’ve paid will be refunded. However, if you cancel after this time, you won’t be refunded.

Once your policy has been cancelled, your cover will no longer be in place.

No, Legal & General and Aviva are separate companies.

While they both provide a range of insurance and financial services, they are independent companies and aren’t connected.