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Life insurance

Life insurance pays out either a cash lump sum, or a monthly benefit if you were to die during the policy term. 

A life insurance policy is the most basic form of cover and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out either a one off lump sum or a monthly benefit if you die during the policy term. 

Critical illness cover can be added to Legal & General’s term insurance policies at the outset for an additional cost. If you do add on critical illness cover, the policy could pay out if you die or on diagnosis of a specified critical illness during the term of the policy. Or it could pay out if you are terminally ill, and you meet the criteria, providing the policy was set up with a minimum term of at least 2 years.

Life insurance for mortgage protection

Life insurance can be set up to provide level or decreasing cover. Level cover means that the amount of insurance remains the same throughout the term. Decreasing cover means that the amount of insurance decreases roughly in line with the way a repayment mortgage reduces. Our specialist protection advisers can assess your needs and arrange the most suitable cover for you.

Free life cover is available at no extra cost between exchange and completion. 

Life insurance for family protection

The benefit paid out can be used to help maintain family lifestyle and help with financial difficulty if the policy holder dies.

For more information on life cover contact one of our mortgage and protection advisers.

Contact a mortgage consultant or specialist protection adviser

With a team of fully qualified mortgage consultants and specialist protection advisers we are able to offer a range of services.

Call 020 8739 2068

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