Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Term Life Death Benefit Range
N/A
Term Options
- Term Life
- Level Term
- Decreasing Term
Financial Strength Rating
A+(Verified 04/18/2025)
Number of Reviews
Legal & General Life Insurance Review
Legal & General Life Insurance Pros & Cons
| Pros | Cons |
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Legal & General America is a life insurance carrier based in Frederick, MD. The company was founded in 1836 and offers life insurance products in 49 states (and Washington, DC).
Legal & General Life Insurance FAQ
What types of life insurance products does Legal & General America offer?
Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.
Here is a brief description of life insurance options Legal & General America offers.
- Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Legal & General Life Insurance offers term lengths ranging from 10 to 40 years.
- Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
- Decreasing Term Life Insurance- These types of term life insurance policies has fixed premiums but the death benefit decreases over the duration of the term life insurance policy.
- Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
- Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
- Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
What is SuperMoney's financial rating of Legal & General America?
The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Legal & General America an A+, which is the highest available rating we give to life insurance companies.
SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Legal & General Life Insurance Community Reviews
Would you recommend Legal & General Life Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
My brothers and I had the not so pleasant task of having to choose insurance coverage for a loved one, specifically final expense coverage. I was anxious about the whole process because honestly it’s something I didn’t want to ever have to think about - but the representative spoke to us with delicacy, while also being straight- forward about the breakdown and options of coverage.
NA
Noor A.
Oct 5, 2022
May or may not recommend
Legal & General Life Insurance company is few of those companies which are providing specific insurance policies. I personally like "Variable Universal Life Insurance" because in this insurance policy provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
I recommend to all of you to do your insurance in Legal & General Life Insurance company because their ...Show More
Sana F.
Sep 28, 2022
May or may not recommend
I recommend L&G life insurance because it offers Universal life insurance which is a policy with a cash value option that allows me to withdraw funds and make investment choices. Customer service is good as well. Very well informed representatives. Their rates are also affordable.
SG
Sara G.
Sep 27, 2022
May or may not recommend
My brothers and I had the not so pleasant task of having to choose insurance coverage for a loved one, specifically final expense coverage. I was anxious about the whole process because honestly it’s something I didn’t want to ever have to think about - but the representative spoke to us with delicacy, while also being straight- forward about the breakdown and options of coverage.
DT
Darril T.
Sep 20, 2022
May or may not recommend
The performance of Legal & General investments has been below that of most top competitors and could affect things like cash value accumulation and how long premiums must be paid but it is very affordable and the FA's are very fair and helpful.
RF
Robelys F.
May 23, 2022
May or may not recommend
Just when for a physical and it covers good covers a good amount of things
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I have a term life insurance policy through Legal & General Life Insurance. The process to obtain life insurance through them was very straightforward. The medial physical was relatively painless and easy. I am young and in very good health, but still, my policy is priced very reasonably. They even offer great add ons. I added a few extras to my 25-year term at a low cost. Life insurance is ...Show More
Showing 7 of 7 reviews
