If you're looking for extended term coverage beyond the typical 20–30-year options, Legal and General offers policies with different term lengths, including 40 years. This makes it suitable for buyers who want temporary financial protection for long-term family needs, such as mortgages or educational expenses. This 40-year term offering fills a major market gap for people who need extended coverage beyond the usual 20 or 30 years.

If you want a term policy without a medical exam requirement, you may consider Legal & General's accelerated underwriting program. This is ideal for people who want quick and accessible financial protection.

If you're looking for a life insurance policy that offers cash value growth or advanced investment features, Legal & General may not be the best choice for you. While it provides universal life insurance, the company doesn't offer other types of permanent coverage. Consider other top life insurance providers that have broader permanent life insurance options.

When choosing life insurance, you'll want to understand your options for both temporary and permanent coverage needs. Legal & General offers two main policy categories: term life insurance for temporary coverage and universal life insurance for long-term financial protection.

Life insurance riders refer to add-ons that allow you to customize your policy for more flexibility and enhanced financial protection. Some are automatically included in policies, while others are optional and come with an additional cost. Legal & General America offers the following riders:

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 key factors affect life insurance premiums. Learning about these will help you choose coverage that fits your budget and financial protection goals.

• Age and Gender: Younger folks and women generally pay lower premiums because they statistically present a lower mortality risk.
• Health History: Excellent health can qualify you for preferred rate classes, while medical conditions increase your policy cost.
• Coverage Amount: Higher death benefits may raise premiums, but often lower the per-dollar cost of financial protection.
• Term Length: Longer terms cost more overall but lock in level premiums and extended guaranteed coverage. Permanent policies are generally more expensive than term policies because they offer lifetime coverage.
• Lifestyle: Smoking, high-risk occupations or hobbies like aviation and diving typically lead to higher premium rates.

Beneficiaries can file a claim securely through Legal & General’s online claim center. To start the process, beneficiaries should submit the required documents through the online portal or by mail:

• Completed Proof of Death Claimant’s Statement
• Certified copy of the death certificate
• The original policy or policy number

According to Legal & General, claims are typically processed within one business day after approval of required documentation.

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.

Based on MoneyGeek's Legal and General life insurance review, the company is best for those seeking long-term temporary coverage. Those who also want digital convenience may find the company's Horizon platform convenient.

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: We collected quotes for varying term lengths and coverage amounts to understand how Legal and General's pricing scales with different policy sizes. This shows whether you'll find competitive rates for basic coverage or higher protection levels.

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.