Legal and General Life Insurance Review 2025

Legal & General offers term coverage up to 40 years, beyond the typical 20- to 30-year options. The extended terms work well for long-term family needs like mortgages or educational expenses and fill a major market gap.

Legal & General's accelerated underwriting program provides term policies without medical exams, offering quick and accessible financial protection.

Legal & General may not suit buyers seeking cash value growth or advanced investment features. The insurer provides universal life insurance but doesn't offer whole life or other permanent coverage types. Consider other top life insurance providers with broader permanent life insurance options.

Legal & General offers two main policy categories: term life insurance for temporary coverage and universal life insurance for long-term financial protection.

Legal & General America offers riders that add benefits to your policy. Some riders are automatically included, while others are optional and come with an additional cost.

Legal & General America remains one of the most affordable term life providers in the U.S. For qualified customers, policies start as low as $7 per month (men) and $6 (women) for $100,000 of 10-year coverage.

Rates shown reflect average quotes for applicants with preferred health ratings. Your actual premiums may be higher or lower based on your age, health, lifestyle, and state of residence.

Several factors affect what you'll pay for life insurance. Understanding these helps you choose coverage that fits your budget and protection needs.

• Age and Gender: Younger people and women pay lower premiums because they're statistically lower risk.
• Health History: Excellent health qualifies you for preferred rate classes, while medical conditions increase your costs.
• Coverage Amount: Higher death benefits increase premiums, but often lower the per-dollar cost of protection.
• Term Length: Longer terms cost more overall but lock in your rate for more years. Permanent policies cost more than term policies because they provide lifetime coverage.
• Lifestyle: Smoking, high-risk jobs or hobbies like aviation and diving lead to higher rates.

Beneficiaries can file claims through Legal & General's online claim center or by mail. You'll need:

• Completed Proof of Death Claimant's Statement
• Certified copy of the death certificate
• Original policy or policy number

Legal & General processes claims within one business day after receiving and approving all required documents.

Legal & General is a reputable life insurance company operating in the U.S. It's best known for its term life insurance products, including a no-exam option. The company provides term lengths up to 40 years and coverage amounts up to $10 million.

Legal & General works best for people seeking long-term temporary coverage, according to MoneyGeek's review. If you value digital convenience, their Horizon platform makes the process easy.

These frequently asked questions address the most common concerns about Legal & General America's life insurance products and services.

We designed our Legal and General evaluation to help you understand exactly how this insurer stacks up on the factors that matter most when protecting your family's financial future.

We evaluated Legal and General across three weighted categories:

• Affordability (55%): Premium costs across different customer profiles and coverage amounts
  Customer Experience (30%): Claims processing, customer service quality and overall policyholder satisfaction
• Coverage Options (15%): Available policy types, benefit amounts and additional riders

Rate Comparison Method

We collected Legal and General quotes using a standard profile to ensure consistent comparisons:

• 40-year-old male
• Nonsmoker
• 5 feet 9 inches tall and 160 pounds
• Average health rating

This baseline profile creates fair rate comparisons across insurers. We then modified age, gender, height, weight, tobacco use and health rating to determine average Legal and General costs for different customer types.

Coverage amounts analyzed: Quote collection across multiple term lengths and coverage amounts reveals Legal & General's pricing structure. Basic policies and high-protection options both demonstrate competitive positioning against market alternatives.

Our weighted scoring prioritizes affordability because life insurance premiums directly impact your budget for decades. Customer experience gets significant weight since you'll interact with your insurer during stressful claim situations. Coverage options matter less if you can't afford the premiums or trust the company to pay claims promptly.