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Legal and General: Life Insurance reviews

Name: Life Insurance
Rating: 4.03 (106 reviews)

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3.82

Based on 106 reviews, last reviewed 23rd Mar 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

23%

13%

Latest highest rating:

5

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

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

Do you want to find out what life as a Legal and General life insurance customer is like? Now you can! Read Legal and General life insurance reviews at Smart Money People to find out what other policy holders have to say.

Legal and General Life Insurance reviews (106)

Review of the Legal and General, Life Insurance:

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

Good company

Good company, easy to work with. Reviewed on: 25th August 2024

Perfect fit for me

I had a very thorough assessment with curmstomer service to find the right cover, services and income protection. I have beenn insured for years now and got my yearly updates. Reviewed on: 25th August 2024

Haven't yet interacted with the customer service.

Haven't yet interacted with the customer service. Reviewed on: 24th August 2024

Excellent customer service and product range.

Excellent customer service and product range. Reviewed on: 24th August 2024

It was so simple and quick to get the right policy s...

It was so simple and quick to get the right policy set up and I had little trouble getting response to a query I had in the few months after starting. Reviewed on: 24th August 2024

A slick and straightforward experience

A slick and straightforward experience, which is just what you want Reviewed on: 24th August 2024

Great provider

I’ve been with Legal and General for several years and always got the best price with them and really easy to renew Reviewed on: 23rd August 2024

Great company!

Great company. Friendly and helpful. Reviewed on: 23rd August 2024

Reliable & Professional

Reliable and professional company Reviewed on: 23rd August 2024

They raised our insurance because my wife was sick w...

They raised our insurance because my wife was sick when pregnant! Despite all symptoms going upon giving birth. They won’t reduce it either Reviewed on: 23rd August 2024

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