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Legal and General: Life Insurance reviews

Name: Life Insurance
Rating: 4.03 (106 reviews)

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3.81

Based on 106 reviews, last reviewed 23rd Mar 2025

No new 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

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

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

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