Working with Legal & General

Legal & General is a leading UK protection insurer, known for straightforward underwriting and strong claims-paying reputation. It's a long-standing name in business protection, with dedicated relevant life and shareholder protection solutions built for company directors. Many advisers regard L&G as a benchmark provider in this space.

Technical guides

5★

Expert Defaqto Rating

[Placeholder] Defaqto rating for Legal & General not yet sourced.

4.4/5

Trustpilot Score

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Legal & General overview

Claims performance

L&G holds a 5-star Defaqto rating and has been named Life Insurance Provider of the Year (Direct) at the Moneyfacts Awards for a 7th consecutive year. It scores 77% with Fairer Finance and 4.3/5 on Trustpilot from nearly 34,000 reviews, rising to 4.4/5 for life insurance specifically.

[Placeholder] Life score — figure and commentary for Legal & General not yet confirmed.

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Defaqto Rating – 5★

Writing life cover since 1836, and named the UK's best-selling term life insurer in Swiss Re's 2025 Term & Health Watch report. Standard benefits include RedArc nurse support and a Care Concierge service for later-life planning, and its adviser-only Critical Illness Extra add-on extends cover to 48 conditions. As with several peers, joint cover is first-death-only, and cover lapses 60 days after a missed premium if unresolved.

Legal & General overview

Awards & recognition

Value added benefits

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Resources & Insights

Legal & General technical guides

Read our collection of insights and blogs to find out what other business owners and the industry is doing.

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Business insurance FAQs

Frequently asked questions

If you own your own business, the right cover can protect the people and profits that depend on you. Browse the common questions below — and if you still need a hand, talk to our team.