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We have two life insurance products

Life Insurance

Cover that’s easy to set up from just £6 a month. With Life Insurance you choose how much cover you want and the length of your policy. This is a no-fuss life cover that will pay out a cash sum to the ones you care most about if you die during the policy term. We also pay out up to £5,000 as a cash sum whilst the full claim is being assessed.

If you cancel your policy and stop paying your premium, your cover will end and you'll receive no money back. 
This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation may reduce the value of your cover.

Over 50s Life Insurance

It provides a cash sum to the ones you care about if you die after one year from buying your policy. The money could pay bills, contribute towards funeral expenses or be a gift to your grandchildren. Guaranteed acceptance with no medical questions.

Depending on how long you live, the total sum you pay in premiums may be more than the cash sum payable on death. 
If you stop paying premiums before the end of your policy, your cover will stop 30 days after your missed premium and you won’t get anything back. 
This isn’t a savings or investment product and has no cash value until a valid claim is made. 
Inflation will reduce the buying power of your cash sum in the future.

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Life insurance
frequently asked questions

How much life insurance cover should I get?

You choose how much life insurance to buy. You might want your policy to pay out the value of your mortgage, or a specific lump sum for your dependants, or provide enough to cover both. To help you get an idea of how much cover you might need, take a look at our cover calculator.

What if I need to make a change to my policy?

You can make changes to our policies, like:

  • Changing the term of your policy
  • Increasing or decreasing your cover amount
  • Changing between monthly and annual premiums
  • Removing someone from a joint policy when cover is no longer required for them
  • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a registered civil partnership, or taking out a mortgage in the name of one person on the policy.

Terms and conditions apply. For more information, please read the policy terms and conditions or get in touch with us.

Can I cancel my life insurance at any time?

Yes. Just contact us if you want to cancel. Once you cancel your Direct Debit payments, your cover will stop and you'll no longer be insured.

Can my mortgage be covered with life insurance?

This depends on the whether you take out Level or Mortgage Decreasing Term Assurance, the amount of cover you take, and the length of the policy you choose. Your choices need to be made after you consider your mortgage product, outstanding mortgage and mortgage term. If you have an interest-only mortgage, your outstanding mortgage loan stays the same until you repay it at the end of the mortgage term. Level Term Assurance could cover this type of mortgage. If you have a repayment mortgage, Mortgage Decreasing Term Assurance may be more appropriate. The amount of cover reduces broadly in line with the decrease in your outstanding mortgage loan.

If my policy includes life and Critical Illness Cover, does that mean it could pay out twice, once when I'm diagnosed with a critical illness and then again if I die?

No, your policy can only pay out once. This would happen on diagnosis of a specified critical illness or on death during the policy term. Your policy ends once a valid claim has been made and the cash sum paid out. There is an exception to this if your claim is for carcinoma in situ of the breast treated by surgery, low-grade prostate cancer requiring treatment, or a children's critical illness claim. The policy will continue as normal after a pay out in one of these circumstances.

Over 50s life insurance
frequently asked questions

Will my premiums ever go up?

No, your premiums will stay the same throughout the whole policy. On your 90th birthday you'll stop paying premiums but your cover will continue.

What happens to the money when the policy pays out?

If you don’t specify who the money will go to, when you die it will automatically be paid in to your estate. This may be subject to Inheritance Tax. Please speak to a legal adviser if you’re unsure how this could affect you.

If you take out the Funeral Benefit Option.

When you die, the cash lump sum will be paid directly to a Dignity and a Dignity funeral provider will provide your funeral.

If you write the policy into a Trust.

When placing the policy in trust you specify who you want to be a beneficiary and who you want to look after and control the policy (the trustees). A trust is a way of giving away something of value (in this case the life insurance policy) for the benefits of others (the beneficiaries), but without giving them full access to and control over the policy. If you wish to proceed with a trust arrangement, please contact Legal & General.

If you’re unsure whether a Trust is the right option for you, it’s important you discuss this with a legal adviser, who may charge you.

If I take out the Funeral Benefit Option, can I change my mind later?

Yes, you can change your mind after you’ve taken out the Funeral Benefit option. If you do change your mind please let Legal & General know and they'll inform Dignity that the 'charge' is to be removed from your policy. Once the 'charge' has been removed, your Over 50s Life Insurance policy will continue as normal, without the Funeral Benefit Option and the extra £300 towards your funeral costs will no longer apply.

Can my partner take out cover too?

Yes, your partner can also take out an Over 50s Life Insurance policy. The insurance policies cover one person, so you’ll be covered by two separate policies with two premiums.

Can I have more than one policy?

Yes you can have as many policies as you need, as long as the total Over 50s Life Insurance premiums that you pay don't total more than £50 per month. This includes any Over 50s Life Insurance policies you already may have with Legal & General.

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Introductory offer. Excludes Single Trip Travel, Discoverer Travel, Over 50s Life Insurance and SELECT Premier. This offer includes Breakdown when it’s bought over the phone. But if Breakdown was the first cover you took out the offer won’t apply if you take out car or van insurance. Minimum premiums apply. If the minimum premium is reached, the level of cover will be increased. Discounts applied consecutively.

M&S vouchers

The following terms and conditions will apply to the M&S offer:

  • You are eligible for the vouchers three months after your policy start date, provided you haven’t cancelled your policy. No cash alternative provided. Please allow 30 days for delivery.
  • Only one voucher per policy sold, limited to two per household.
  • Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL
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