Legal & General review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Legal and General is a sensible pick for UK adults who want personal protection from an established insurer rather than a broker. Life, critical illness and income protection sit with the same insurer, and premiums start at £5 on a monthly basis.
Key facts
- Best for
- UK adults wanting life, critical illness and income protection under one insurer
- Premium from
- £5 (Source, checked September 26, 2026)
- Insurance types
- Life, Critical-illness, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Online, Phone (Source, checked September 26, 2026)
- Age range
- 18-77 (Source, checked September 26, 2026)
- Legal entity
- Legal and General Assurance Society Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 1836 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- legalandgeneral.com
Apps and profiles
- Elsewhere
- TrustpilotLinkedInX
Pros and cons
Pros
- Covers life, critical illness and income protection through the same insurer, so several policies can sit with a single provider
- Authorised by the Financial Conduct Authority under 117659, and an insurer rather than a broker
- Claims can be reported through online and phone, and support runs on phone and help centre
- Listed for a seniors audience with an age range of 18-77, which reaches older customers
Cons
- Support runs on phone and help centre only, so help is by phone or the help centre rather than live chat
- monthly lists monthly as the only payment model, so no annual premium option is shown
- Only life, critical illness and income protection are offered, so there is no health, home or motor cover from the same insurer
Who it suits
- UK adults within the 18-77 age range who want life, critical illness or income protection
- People listed under the seniors audience, including older customers
- Anyone who prefers holding a policy with an insurer rather than a broker or an administrator
Who should look elsewhere
- Anyone who wants an annual premium option, since monthly lists monthly only
- Linxea, where starting premiums are €25 in a different market
- Good Sam Insurance Agency, whose auto, home and renters range centres on home, auto and travel policies rather than personal protection
Safety and regulation
Legal and General is an insurer, so policies sit with the company that carries the risk rather than a broker or an external administrator. It appears on the Financial Conduct Authority register under 117659, which means customers are dealing with a regulated UK insurer rather than an intermediary selling on behalf of someone else.
Who runs it
The insurer behind the policies is Legal and General Assurance Society Limited, headquartered in the United Kingdom. The group dates back to 1836, which puts it among the longer established names in the UK market. Support for new business and existing customers runs on phone and help centre, and the Financial Conduct Authority registration is 117659, so the contract is with the insurer itself rather than an administrator.
How Legal & General compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.9Starting premiums of €25 sit above the £5 entry point here, though the market is a different one.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.3- 9.3 vs 9.3
9.3 vs 9.3Max Life Insurance
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2- 9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.6- 9.3 vs 8.4
- 9.3 vs 8.2
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Globely
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
How much does Legal and General cost to start?+
Premiums start at £5 on the life insurance range, which sits below the €8.37 median across the site. Among the 244 brands ranked on life cover the median entry point is €7.95, while the upper end of that ranking starts at €25.
Can I pay monthly instead of in one lump sum?+
Yes. Monthly payments are available, and monthly is the payment model listed for the range. That means budgeting is built around a monthly outgoing that continues for the life of the policy, rather than a single annual payment set aside in advance.
What kinds of cover can I buy?+
The range covers life, critical illness and income protection. Life, critical illness and income protection therefore sit with the same provider, which suits anyone who would rather deal with a single company for a policy and its claims than hold separate policies with different providers.
Is Legal and General regulated in the UK?+
Yes. It is authorised by the Financial Conduct Authority under registration 117659, and the Prudential Regulation Authority also appears in its permissions. The company is an insurer, so customers hold the policy with the insurer itself rather than with a broker or an administrator.
How do I make a claim?+
Claims can be reported through online and phone, so a claim can start online or by phone depending on preference. Support before and after a claim runs on phone and help centre, which means questions about an existing policy can be handled by phone or through the help centre.
Who is the contract with?+
The named insurer is Legal and General Assurance Society Limited, based in the United Kingdom. The group was founded in 1836, so the policy sits with an established UK insurance company rather than a newer name or a comparison site.
Who does this cover suit?+
The audience is listed as seniors, and the age range is 18-77. That points to adults and older customers in the UK who want life, critical illness or income protection arranged with a single insurer rather than split across separate providers.
How does the price compare with other providers?+
On starting premium, Legal and General ranks at 100 of 252 brands compared on the site, with a median of €8.37. Starting premiums across the site run from €0 to €3,431.08, so a low entry point does not mean every policy is cheap.
Can life and income protection sit with the same company?+
The range covers life, critical illness and income protection, so those lines can all be arranged with the same provider. As an insurer, Legal and General carries the risk itself, which keeps the point of contact for a policy and a claim in the same place.
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 adults wanting life, critical illness and income protection under one insurer