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Legal and General: Life insurance reviews

Name: Life insurance
Rating: 4.08 (113 reviews)

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3.97

Based on 113 reviews, last reviewed 5th Sep 2025

600% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

58%

22%

12%

Latest highest rating:

4

Life insurance is a product hard to evaluate. Life insurance is a product hard to evaluate. It's best to never know. So, back to L&G, they are taking my regular payments, they delegated a 3rd part... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Do not put your trust in them Do not be lured by the glossy brochures and comfort inducing advertising, Legal and General do not want to help you or your family when your life is t... Read more Reviewed on: 23rd March 2025

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About this product

You can get L&G (Legal and General) life insurance by applying online.

L&G have partnered with RedArc Assured Limited to provide a Wellbeing Support service. You’ll have access to phone-based services to support your mental health and wellbeing. With each policy, you get accidental death benefit at no extra cost.

L&G life insurance reviews help you find out what it’s really like to be a customer. If you’ve used L&G before, you can also leave a review and share your experience.

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Legal and General Life insurance reviews (113)

Life insurance is a product hard to evaluate.

Life insurance is a product hard to evaluate. It's best to never know. So, back to L&G, they are taking my regular payments, they delegated a 3rd party to do the customer service, and things were OK so far. There's not much you can talk or ask about a life insurance, so not much to evaluate, really. Reviewed on: 5th September 2025

Good work

My experience with them has been seamless so far. Getting cover was super easy and straightforward. I would recommend. Reviewed on: 5th September 2025

Great life insurance

Affordable life insurance great value Reviewed on: 5th September 2025

Peace of mind for a small monthly premium.

Very good value for a small monthly premium. Gives me peace of mind that any liabilities will be met rather than my relatives, Reviewed on: 5th September 2025

I took out a life insurance policy and the policy wa...

I took out a life insurance policy and the policy was explained in detail so I knew exactly what I was signing up for. They have recently contacted me to ensure the policy is still what I need and if I had any thoughts on changing or staying as I am. They are proactive rather than waiting for a client to call without constantly feeling the need to bombard you with emails. Great service all round. Reviewed on: 5th September 2025

Excellent

Great customer service.I was fully informed about every product and information.I was happy with whatever information and help i was given. Reviewed on: 5th September 2025

Pain free experience , never had any issues with the...

Pain free experience , never had any issues with them , there online services is great and easy to use . Reviewed on: 4th September 2025

Do not put your trust in them

Do not be lured by the glossy brochures and comfort inducing advertising, Legal and General do not want to help you or your family when your life is turned upside down by a critical illness, engineerd to minimum industry guidance allows them to abandon you after decades of paying your premiums in your time of utmost need, walk away from you. Claims handlers, trained to operate with narrow minds to disassemble your criticall illness. I had an emergency admission to A+E, full Re-sus, a severe lung heamorrage, huge blood loss, multiple organ failure, my heart failed, kidneys and liver failed, I was kept alive by ITU. Lungs bleeding requiring many blood transfusions, I was on highest level life support, and transfered to specialist unit, ia coma for weeks I was not expected to survive and they where not sure if I would be the same if I did wake up. I did survive, thanks to our NHS and the love for my familiy. Legal and General dont believe this meets there policy for critical illness!? I required months of chemotherapy and treatments, months off work, many years of treatments to come. I could not walk for months, I sufferd daily to this day, permanent disabilty, caused by an autoimmune disease, my consultants affirm A-Typical ANCA Negative Vasculitis, a very rare autoimmune disease, the cause of which is understood to be SLE, (Lupus), an insured critera, but Legal and General refuse to accept the wording, or the science, will not accept medical papers, rheumatologist written statement, Renal consultant diagnosis, because they have to have it so specificlly written in words as they lack suitably qualified staff and CMOs, they are not competent. I sufferd permanent kidney damage, Legal and General argue on words, new medical tests are ignored when inconvenient to there repuduation narrative. There is no integrity, they operate with the devil in the detail and are not critical thinkers. Legal and General will sell you a policy for peace of mind, it really is not at all, in my experience they will do everything at there disposal to reject your claim. Be wary when a concerned claims handler calls you out of the blue to discuss your claim, they are decietfully recording your phone call without your prior consent or permission, speaks volumes on how they operate. Legal and General argue against your medical consultants, albeit incorrectly, with highly dubious medical opinions that are out of date, and refutable, however there CMO's opinions are treated as the final word by claims handlers, they answer to absolutley no-one when challenged or queried on the science, completely untouchable unless you have the resources of your own solicitor, the CMO at Legal and General is GP, hardly comparable to current practising specialist medical consultant, yet Legal and General can make innacurate arguments against you and your healthcare professionals and consultants, with no recourse, a policy holder cannot respond, because they refuse to answer your lettters or engage in dialogue, they operate with impunity at this level. Dont rely on the in house complaints pricess, or Ombudsman, they have no medical knowledge, they are unable to challenge Legal and General in this regard, dont want to be seen as argumentative in areas they have no knowledge, defaulting to accepting Legal and General CMO, even when wrong or challenged. If had not survived, which there was a very real chance I was not going to, I have no confidence whatsoever that Legal and General would honour my life insurance policy to my family. Legal and General have failed me after a serious near death criticall ilness. life time disability and injuries, all of which I am insured. Integirty,morals,ethics,values do not appear in there ethos or culture in my experience. since 1836, making billions for the shareholders, by failing there duty to policyholders, a muti billion organisation making its money dishonestly Shame on you Legal and General. Reviewed on: 23rd March 2025

Completely incompetent at every level

I just needed to change my Direct Debit details. L&G makes tens of millions in profit every year to spend on training their customer service representative and "My Account" login areas yet this is how painful they make the most simple task. (that every other company seems to have managed quite simply). 1. Go online to change details - Their login areas is down. 2. Try again. Log in and see a message saying "Just fetching your data, we won't be long". It does this for over an hour!! I give up... 3. Look for the phone number on the website. Nothing!! 4. I then email Customer Support with all of my account details, instructions on what I need to do and new bank details. Receive auto-reply saying confirming receipt and saying they will respond within 48hs. After TWO weeks, no reply!! 5. Re-send the email again, same auto-reply. Never received a reply. 6. Start getting auto-generated emails telling me my DD didn't go through and that I need to take action. Grrrr!! 7. Go back to the website to look for a phone number again. After 20 minutes I give in to the continuous web loop telling me I have to start a BotChat to contact customer services. 8. Start BotChat that does not understand the question "I need to change my Direct Debit details" 9. Another 20 minutes wasted trying to get the bot to connect to a human. Eventually, it tells me I have to call. Wow!! 10. I call, after 40 minutes on hold the first person tells me they can't do that and puts me on hold for a further 25 minutes. 11. Eventually speak to a human who assures me she will do everything I need. 20 minutes going through every detail of my policy just to change my account number and sort code. 12. While on the phone I ask why I can't login into 'My Account' areas. She says they have fixed it and I can now. 13. I log in and the 'My Account' platform is a complete waste of time. My product does not appear because it was started before 2022 and all I can change is my password and marketing preferences. That's it!!! It does nothing else. 14. Sit back, frustrated, shocked but slightly relieved it is over and think Wow!! That was horrendous, how does a company the size of L&G get it so wrong at every step. 15. 1 week later I get a call from my IFA saying she has had an email from L&G saying that my DD has failed and I need to contact them to pay and change my DD details. (I explain all of the above). 16. She tells me multiple stories of how terrible L&G are and that she will call them. 17. She comes back saying that she is sending me a DD form that I will have to manually fill in, scan and send back to her. She will then send it to L&G. 18. Fingers crossed that will work. Potential customers thinking of choosing L&G, OMG go somewhere else. I'd hate to think how they handle a claim if this is what's involved in changing some simple account details. L&G you should be ashamed and the people in charge of your Customer Service and online UX don't deserve whatever huge salary they are on. Reviewed on: 17th December 2024

Easy to use, easy to update policy and great price

Easy to use, easy to update policy and great price Reviewed on: 14th October 2024

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