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Legal and General: Life Insurance reviews

Name: Life Insurance
Rating: 4.06 (105 reviews)

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3.92

Based on 105 reviews, last reviewed 17th Dec 2024

85% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

23%

12%

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

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 represent... Read more Reviewed on: 17th December 2024

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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 (105)

Review of the Legal and General, Life Insurance:

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

Affordable Life Insurance

Affordable Life cover including children Reviewed on: 23rd August 2024

Really easy to use and set up life insurance providi...

Really easy to use and set up life insurance providing peace of mind Reviewed on: 22nd August 2024

Good product

No issues with the life insurance Reviewed on: 22nd August 2024

No option for 0 stars

Poor poor service and an embarrassment and complete shambles of an insurance company, I inserted a claim back in February 2024 for income protection which was recommended to me when I got my mortgage back in 2018 I have been signed off work since September 23 due to ill health and incapacity to work. I have supplied all recommended documents and you have received all the necessary documents to support my claim...........however your contacting my gp for further information for medical information prior to when I took your "recommended" policy out which has therefore put my claim at risk and has been declined! I've been paying the policy £15.96 every month for this policy and I'm not seeing any benefit from it!!! I have a dependent under 18 with no income at the moment as I'm currently attending acute day service due to my ill health and you as a company aren't helping with my recovery at all!!! Your quite happy to phone my gp for a duty of care consultation but you clearly don't care one bit at all! Your quite happy to take my money monthly knowing I don't have an income that I can't pay my bills. When asked about to your colleagues what if they were in my situation they couldn't comment like they don't have a sense of care at all or empathy. It's not just one person handling the case it's multiple people which doesn't make sense at all! I will be seeking legal advice and speaking to the insurance ombudsman regarding this matter and you as a company and employees should be ashamed quite happy to pass the blame so on and so forth don't know how you all sleep at night!!!! Because I know dam sure I don't sleep. Holly in your clinical team rings me for an update and asks the relevant details and updates but if I don't answer it will impact my claim.....it seems this has already been impacted by your inconsistent unprofessional manner and day to day running!! I've already put a complaint in and have been informed this can take up to 8 weeks which is absolutely disgusting!! Oh and to add to this a decision was made on the update portal on Friday 5th July no email notification or phone call, I had to take this upon myself and ring up to be informed its been declined and to be told the person who has been dealing with the case has gone home.....hmmmm this sounds to me very unprofessional and not a care in the world. I will be making further complaints and making everyone fully aware what you have done and are doing not individually but as a whole company. Reviewed on: 8th July 2024

Good policy that is comprehensive and is affordable.

Good policy that is comprehensive and is affordable. Reviewed on: 25th May 2024

I am a first time customer in the last year.

I am a first time customer in the last year. I was very surprised by the ease of selecting a product, the information available to make that decision and the continuing support and updates I get. I would highly recommend them. Reviewed on: 24th May 2024

Total peace of mind!

Upon speaking to any agent whenever I've needed them they have been patient, helpfully and very thorough in taking their time to make sure your satisfied. Exactly what you need when chatting about your life insurance. Total peace of mind! Reviewed on: 23rd May 2024

Excellent service

Legal and General paid out life insurance with no problems whatsoever, no excessive asking for information. Purchased via a broker around 17 years ago. Dealt with quickly and easily at a very distressing time. Really good customer service, very sympathetic and professional and I would highly recommend and use again in the future. Reviewed on: 20th May 2024

I would give zero stars if possible!

I would give zero stars if possible! Shocking Experience with Legal & General for a Critical illness cover . After 6 years of payments on the insurance when I have done a claim , they have declined my claim after 8 months of investigation as well as cancelling my insurance and they have returned my payments back . Why didn’t they tell me after a month, a year …???? At this stage no other company will offer me a insurance , probably if I died, my wife and kids would have been homeless by now. Reviewed on: 19th March 2024

Poorly tested admin procedures causing customers unn...

Poorly tested admin procedures causing customers unnecessary inconvenience with obstacles impossible to overcome. Rigid bureaucracy. Corporate arrogance. It's all about Legal & General. "Sod the investors; we've got their money and they can't get it back." Legal & General is a self-serving, annuity-fund detention centre. Reviewed on: 8th February 2024

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