Legal & General review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Legal & General suits people in the UK who want personal insurance from a long established insurer and can pay in monthly instalments rather than one lump. Cover starts at £5, and the policy is written by Legal and General Assurance Society Limited.
Key facts
- Best for
- UK households wanting monthly paid life, critical illness or income protection cover.
- Premium from
- £5↗
- Insurance types
- Life, Critical-illness, Income-protection↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Claims channels
- Online, Phone↗
- Age range
- 18-77↗
- Legal entity
- Legal and General Assurance Society Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 1836↗
- Support channels
- Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- legalandgeneral.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- TrustpilotLinkedInX
Pros and cons
Pros
- The provider is an insurer, so insurer means one company carries the risk rather than a broker placing it elsewhere
- Support runs on phone and help centre and claims on online and phone, so help and payouts both go through Legal and General Assurance Society Limited
- The list of life, critical illness and income protection keeps the choice to personal protection, which suits people who want cover without the wider products
- Cover sits inside the 18-77 age range and the audience listed is seniors, so both ends of the market are considered
Cons
- Live chat is not among its support channels (phone and help centre), which list a phone line and a help centre, so quick questions go through either of those
- Health, home and travel cover are not among its insurance types (life, critical illness and income protection), which cover life, critical illness and income protection only
- A single annual payment is not among its payment models (monthly), so cover is paid in monthly instalments rather than upfront
Who it suits
- UK adults within the 18-77 cover range who want life, critical illness or income protection from a single insurer
- Anyone who would rather fund cover in monthly instalments, since monthly payments are available and monthly is the listed pattern
- Buyers who want an insurer to carry the risk, since the provider is listed as insurer rather than an intermediary
Who should look elsewhere
- People wanting cover outside the UK, because the business is based in the United Kingdom and holds its licence there
- Anyone after savings products such as Linxea, since life, critical illness and income protection covers personal protection rather than money in an account
- Buyers shopping only on the lowest starting premium may prefer bunq, listed at €0 against £5 here
How Legal & General compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7Starts higher at €25, which suits buyers setting aside a larger sum each month.
9.2 vs 9.0
9.2 vs 8.8Its listed starting premium is €0, so it is worth a look for anyone buying on price alone.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
Where Legal & General is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (117659), checked September 26, 2026
- Licence in United Kingdom
- Prudential Regulation Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does personal insurance from Legal & General cost?+
Premiums start at £5, below the site median of €8.31 for entry cover. The quoted figure depends on the cover you pick from life, critical illness and income protection, so it is worth asking for a quote on the policy that matches your needs.
Who regulates Legal & General in the UK?+
The policies are written by Legal and General Assurance Society Limited, which sits in the United Kingdom. That company is listed with both the Financial Conduct Authority and the Prudential Regulation Authority, so you deal with a regulated insurer rather than an intermediary selling cover on someone else's behalf.
Can I pay for cover monthly?+
Yes, monthly payments are available. The payment model is monthly, and the monthly pattern is the one shown for this cover, which suits anyone who would rather set aside a smaller sum each month than commit to a single annual payment.
What kinds of cover can I choose?+
The listed insurance types are life, critical illness and income protection. You can look at life, critical illness and income protection side by side, and pick a single policy or a combination depending on whether you want a payout on death, on diagnosis, or on loss of earnings.
Who is this cover aimed at?+
The stated audience is seniors, and cover runs across the 18-77 age range. Both younger applicants and older customers sit inside it, and the entry premium of £5 keeps the starting point modest.
How do I make a claim?+
Claims run on online and phone, so you can start online or by phone depending on what suits you. If you need help with the policy before you claim, the support team is reachable on phone and help centre, which includes a phone line and a help centre.
How established is the company?+
Legal & General was founded in 1836 and is based in the United Kingdom. The Legal and General Assurance Society Limited name is the company that carries the risk on the policies, which matters when you are choosing who handles a claim.
Sources
- group.legalandgeneral.com/about-us checked September 26, 2026
Backs: Founded
“Established in 1836, L&G is a leading financial services group and major global investor.”
- legalandgeneral.com checked September 26, 2026
Backs: Audience
“Over 50 Life Insurance: This cover can be an affordable way to leave money for your loved ones. If you're aged 50 to 80 and a UK resident, you can take out cover in minutes.”
- legalandgeneral.com/contact-us checked September 26, 2026
Backs: Support channels
“Find help and support with your insurance policy, including how to update your personal details and make a claim. ... FAQs”
- legalandgeneral.com/existing-customers/how-do-i-make-a-claim checked September 26, 2026
Backs: Claims channels
“The fastest way to make a claim is online. ... Life Insurance - 0800 137 101 Monday to Friday. 9am to 5.30pm”
- legalandgeneral.com/insurance/life-insurance checked September 26, 2026
Backs: Age range, Insurance types, Pricing model, Monthly payments, Premium from
“To apply you need to be a UK resident aged between 18 and 77.”
- legalandgeneral.com/legal-information checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Insurance products are provided by: Legal and General Assurance Society Limited.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Legal & General
UK households wanting monthly paid life, critical illness or income protection cover.