Life insurance help & support

Life insurance, also called term assurance, is a simple way to help financially protect your family in the event of your death. If you die during the term of your life insurance policy, or you’re diagnosed with a terminal illness that you’re eligible to claim for, a lump sum could be paid. Terminal Illness Cover could pay out the full amount of cover when life expectancy is less than 12 months.

Two types of life insurance are available: Life Insurance and Decreasing Life Insurance.

Life insurance could pay out a cash sum if you die during your policy term. Your monthly payments and the cash sum won’t change over time (unless you change your policy). This could be used to help pay off an interest only mortgage or to help protect your loved ones financially.

Decreasing life insurance is designed to help protect a repayment mortgage. Your monthly payments will stay the same but the amount you’re covered for – and any potential pay-out – will decrease over the term of your policy, roughly in line with the way a repayment mortgage decreases.

Terminal illness cover is included in your policy at no extra charge. It’s designed to cover you if you are diagnosed as terminally ill during the term of your policy. You’re considered as terminally ill if your hospital consultant and Legal & General's medical officer agree that the illness is expected to lead to death within 12 months. A claim can't be made for terminal illness after your death or if the length of your policy is less than two years.

Critical Illness Cover is additional cover that you can add when you take out life cover. It’s designed to help protect you financially in the event if you are diagnosed with or undergo a medical procedure for one of Legal & General's specified critical illnesses during the length of your policy and you survive for 14 days from diagnosis. If you choose to add Critical Illness Cover, Children's Critical Illness Cover is automatically included at no extra cost. Terms and conditions apply.

My Accounts online portal

• View, download or print existing or historical policy documents – only for policies after June 2016. But documents can be requested via the Secure Messaging Centre
• Send and receive a secure message
• Change all customer contact data such as names / addresses / telephone numbers / email addresses
• Set-up and update bank direct debit details and change the collection date
• Cancel a policy within the initial cooling off period
• Live chat during office hours and access to a support centre with frequently asked questions
• Register a complaint through the Secure Messaging Centre

* Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.

** Calls are charged at local rates from landline and mobiles.