Legal & General

Legal & General is a multi-national insurance, pensions and investments company based in London. It was founded in 1836 by a group of six lawyers. It is listed on the London Stock Exchange and is a member of the FTSE 100.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Critical Illness Cover

4 products reviewed

Legal & General

Critical Illness Cover (Standalone)

Feature Value
Maximum age to cover
75
Maximum level of cover
£3,000,000.00
Additional condition cover limit (as a % of cover)
25%
Additional condition cover limit (£)
£25,000.00
Children's critical illness cover Yes
Level cover Yes
Decreasing cover Yes
Fixed increasing cover No
Index-linked increasing cover Yes
Legal & General

Critical Illness Extra with Children's Critical Illness Extra

Feature Value
Maximum age to cover
74
Maximum level of cover
£3,000,000.00
Additional condition cover limit (as a % of cover)
100%
Additional condition cover limit (£)
£35,000.00
Children's critical illness cover Yes
Level cover Yes
Decreasing cover Yes
Fixed increasing cover No
Index-linked increasing cover Yes
Legal & General

Critical Illness Cover

Feature Value
Maximum age to cover
74
Maximum level of cover
£3,000,000.00
Additional condition cover limit (as a % of cover)
25%
Additional condition cover limit (£)
£25,000.00
Children's critical illness cover Yes
Level cover Yes
Decreasing cover No
Fixed increasing cover No
Index-linked increasing cover No
Legal & General

Critical Illness Cover Extra (Standalone)

Feature Value
Maximum age to cover
75
Maximum level of cover
£3,000,000.00
Additional condition cover limit (as a % of cover)
100%
Additional condition cover limit (£)
£35,000.00
Children's critical illness cover Yes
Level cover Yes
Decreasing cover Yes
Fixed increasing cover No
Index-linked increasing cover Yes

Equity Release

18 products reviewed

Legal & General

Payment Term Orange (£599 Arrangement fee)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Optional Payment (Variable ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Interest Roll Up Joint Lives (Variable ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Black (£599 Arrangement fee)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Interest Roll Up (Variable ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Pink (£599 Arrangement fee)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Yellow (£599 Arrangement fee)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Green

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Interest Roll Up (Fixed ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
10%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Black

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Orange

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Pink

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Optional Payment Joint Lives (Variable ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Optional Payment Joint Lives (Fixed ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
10%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Interest Roll Up Joint Lives (Fixed ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
10%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Optional Payment (Fixed ERC)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
10%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Green (£599 Arrangement fee)

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00
Legal & General

Payment Term Yellow

Feature Value
Early repayment charge (if you repay in year 3 of the loan)
9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? Yes
Is there an admin fee when the loan is repaid?
£85.00

Income protection

2 products reviewed

Legal & General

Low Start Income Protection

Feature Value
Maximum benefit per year
£120,000.00
Maximum age for cover
70
Accident/injury cover Yes
Sickness cover Yes
Unemployment cover No
Maximum benefit (% of gross income) - tier one
60%
Minimum benefit per month
N/A
Maximum benefit per month
£10,000.00
Minimum benefit per year
N/A
Legal & General

Income Protection Benefit

Feature Value
Maximum benefit per year
£240,000.00
Maximum age for cover
70
Accident/injury cover Yes
Sickness cover Yes
Unemployment cover No
Maximum benefit (% of gross income) - tier one
60%
Minimum benefit per month
N/A
Maximum benefit per month
£20,000.00
Minimum benefit per year
N/A

Investing and pensions

6 products reviewed

Income Drawdown products (self-invested)

1 product reviewed

Legal & General

Self-Select Funds Pension

Feature Value
Annual cost of regular payments (drawdown)
£0.00
Fee for setting up drawdown
£0.00
Charge for taking whole pot under triviality rules
£0.00
Ready-made Income Drawdown

1 product reviewed

Legal & General

Legal & General Simple fund choice

Feature Value
Cost (Year 1)
£900.00
Cost of setting up income drawdown
£0.00
Annual cost of regular payments
£0.00
Charge for taking your tax free lump sum from your pension, or for making a one off or new regular payment after drawdown has started
£0.00
Ready-made Personal Pensions

1 product reviewed

Legal & General

Legal & General Simple fund choice

Feature Value
Cost (Year 1)
£600.00
Account closure fee
£0.00
Charge for transferring investments to another platform
£0.00
Ready-made Stocks and Shares ISAs

1 product reviewed

Legal & General

Legal & General Simple fund choice

Feature Value
Cost (Year 1)
£300.00
Account closure fee
£0.00
Charge for transferring investments to another platform
£0.00
Self-invested Personal Pensions (SIPPs)

1 product reviewed

Legal & General

Self-Select Funds Pension

Feature Value
Annual investment funds platform fee
£0.00
Annual shares platform fee
N/A
Cost per share trade
N/A
Stocks and Shares ISAs (self-invested)

1 product reviewed

Legal & General

Self-Select Funds

Feature Value
Cost per share trade
N/A
Annual Shares Platform Fee
N/A
Annual investment funds platform fee
0.25%

Life insurance

2 products reviewed

Over 50s life insurance

2 products reviewed

Legal & General

Over 50s Life Insurance Fixed Plan

Feature Value
Age when premiums stop
90
Cover type (level or increasing)
Level
Can you reduce monthly payments?
Yes (after one year)
Maximum age
80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? No
Legal & General

Over 50s Life Insurance(Increasing plan)

Feature Value
Age when premiums stop
90
Cover type (level or increasing)
Increasing
Can you reduce monthly payments?
Yes (after one year)
Maximum age
80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? No

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Life insurance

Ranked 9th of 21 providers reviewed

Claims score 72.20%
Complaints performance 86.55%
Transparency rating 75.8%

Fairer Finance Score

Reviewed Autumn 2026

 78.18%