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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

Very happy with how I have been treated

Very happy with how I have been treated Reviewed on: 31st January 2024

Quick and simple

Very easy to set up life insurance at a good price Reviewed on: 31st August 2023

Good product and easy to organise

Easy to get the product set up and sorted. Highly recommend and got a £45 Amazon voucher Reviewed on: 24th August 2023

Legal & General company

Good company to buy the life insurance policy from. Reviewed on: 24th August 2023

Life with no worries

Setting up my life insurance with Legal and General has been the smoothest experience, when I thought it would have been something much more difficult and time consuming. As my pension is already set up with them, I gave them a call to enquire about their life insurance products and had spoken to a very helpful member of their team who explained everything to me, and I was happy to proceed. They are very clear in what is included and what the terms of the policy are, and the documents are sent to you in a very timely manner. I have set up my life insurance with them about 5 months ago, and have had no issues at all. I would highly recommend them! Reviewed on: 24th August 2023

Making complex simple

Had to increase my life cover recently after moving house, ended up taking an additional policy and adding income protection. Whole process was simple and would highly recommend. Reviewed on: 23rd August 2023

A straight forward company that does what it says

I have had multiple different insurances with legal and general over the years including life insurance, critical illness and I have a pension with them. The customer account dashboard makes it easy to see and manage all products that are held with them, and although I haven't had to claim for anything, the range of illnesses covered it great, the premium is fair and communication when required has been easy. Reviewed on: 23rd August 2023

Great price and very easy to obtain quote

Very easy to both generate the quote and adjust this to suit my needs. Overall price provided was excellent and I feel reassured by having this cover in place. I was able to obtain more cover for a better price than elsewhere. Reviewed on: 22nd August 2023

Value for money

I have a life insurace offered by legal and general a very good product and outstanding customer service Reviewed on: 22nd August 2023

Straightforward but a little behind the times

I've had life insurance with L&G since 2013 when our first daughter was born. No events or drama but 10 years later I can't find any correspondence from them and it's difficult to register to take a look at my details. Reviewed on: 16th August 2023

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