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Legal and General: Life insurance reviews

Name: Life insurance
Rating: 4.08 (113 reviews)

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4.01

Based on 113 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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.

Legal and General Life insurance reviews (113)

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

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

Legal and general life

Easy to use, great value. Easy to modify to personal needs Reviewed on: 23rd August 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

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