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Legal and General: Life Insurance reviews

Name: Life Insurance
Rating: 4.06 (105 reviews)

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3.94

Based on 105 reviews, last reviewed 17th Dec 2024

100% 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

Smart customer

Smart customer getting affordable insurance Reviewed on: 21st July 2023

Truly shocking communication, ignored and mistreated - AVOID.

Genuinely awful experience dealing with my Dad's life insurance with L&G, he was sadly diagnosed with a brain tumour that has drastically effected his life meaning he can no longer speak, walk or much else. My Dad originally contacted L&G on November the 24th of 2022 to get this resolved and almost 7 months later this is still not resolved. The last communication we received was on the 28th of March 2023, over 3 months ago now, raised a complaint on the 14th of June, CC'ing several different L&G emails and departments due to being ignored on each communication attempt, and have still NOT heard back. We received a 'We will get back to you in 7 days' email and almost 11 days later we have still NOT heard back. Please for the love of god respond to my mother's query so this can be sorted quickly, I am happy to remove this review if it is resolved quickly: Ref:1777027. I write this as a son who is about to lose his Dad at a very young age and your company has made this entire process stressful and in my opinion been incredibly insensitive throughout. Reviewed on: 27th June 2023

Best product overall

I took their product for life insurance and i feel i was served well and give a good deal for piece of mind Reviewed on: 31st May 2023

Good customer service

I am a customer since 6 years now and I had no issues since then very good customer service and customer handling Reviewed on: 31st May 2023

Run away now

One star is too much, should be zero. This is the worse experience I ever had in my life and they are making me very very sick, stressed and vomiting. They don't want to pay my little pension pot. They don't want to give me my money!! After weeks the problem looked solved and I have an email with the payment approval. When time for payment arrived nobody looks to know nothing and we started again from the beginning with the same nightmare. Awful, I really have no words. On the phone you have always different people, sometimes rude and not able to read all the emails. I have two contacts, one the trustees, both disappeared. I am going futher asking help to Ombudsman and I will do my best to discourage people to take Legal & General as pension provider because what they are doing to me is not legal at all. Reviewed on: 16th October 2022

Easy to get life insurance

Easy to arrange over 50s life insurancr Reviewed on: 7th October 2022

Simply fantastic

Who could ask for more? Just wonderful. Reviewed on: 15th September 2022

Wonderful customer service

L&G no longer provide life and critical illness insurance, but I found them to be consistently helpful and customer oriented across all of their services. Always easy to reach, with a Wales based office, helpful staff that take personal interest in your problems. But probably single best thing that puts this company before all others is that when you want to end any of their products they just do it for you. No lengthy begging and threatening to try and force you to stay with them, no trying to sell you a different product that doesn't suit you. This will definitely make me consider them every time I review my financial products. Reviewed on: 24th August 2022

Fair company

This company got me a great value life insurance, note I am a smoker. The staff was superb friendly and explained me everything. Reviewed on: 16th August 2022

Fair price for excellent cover

Compared others and still end up back to l&g. Easy to deal with comprehensive cover. Used to have investments and annuities with them but sadly they gave those up. By choice I would do everything with them. Sound company great customer service Reviewed on: 13th August 2022

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