Cancel Legal and General the easy way

Overview

Legal and General is a UK-domiciled financial services group offering life insurance, pensions, annuities, savings and investment products and workplace benefits. It manages assets for individuals and institutional investors and provides retirement solutions.

Core services

Key services include life insurance, personal pensions, workplace pensions, investment funds and retirement income products. Legal and General also sells independent financial advice packages for retirement and investments.

Company facts

For details on cancelling life insurance see Legal and General's official cancellation guide: Official cancellation page.

Web (My Account)

1. Go to your Legal and General My Account via the website or app.
2. Sign in with your credentials and select the policy to cancel.
3. Choose the cancellation option and follow on-screen prompts.
4. Save or screenshot the confirmation. Expect an email confirmation within 5 working days.

iOS

1. Open the Legal and General app on your iPhone.
2. Sign in and locate the policy under 'My policies'.
3. Use the provided cancellation or contact route and confirm your request.
4. Keep the in-app confirmation and the follow-up email.

Android

1. Open the Legal and General app on your Android device.
2. Sign in, find your policy, request cancellation or message support.
3. Record the in-app confirmation and save any email replies.

Phone

1. Call 0370 010 4080 and have your policy number ready.
2. Ask the adviser to cancel the policy and request a reference number and email confirmation.
3. Note the time and name of the agent. If no email arrives within 10 working days, follow up in writing.

Email

1. Send an email including your full name, policy number and a clear statement: "I wish to cancel my policy."
2. Request a reply confirming cancellation and effective date.
3. Keep the email and any response as proof.

Post

1. Write a signed letter including your full name, policy number and the phrase: "I cancel my policy."
2. Send by recorded delivery to: Legal and General, One Coleman Street, EC2R 5AA London, United Kingdom.
3. Keep your proof of posting and the returned delivery receipt.

For life insurance specific cancellation details see Legal and General's life insurance guide: Official cancellation page.

Moving abroad or to another address

If you move address or live outside the UK, notify Legal and General with proof of new address (utility bill, tenancy agreement or council tax). Cancellation rights depend on product terms; request cancellation in writing and include proof. Contract terms determine any effect on cover. For pensions, residency rules can affect eligibility; contact retirement support.

Applicable law: Consumer Rights Act 2015 for service performance.

Price increase

If Legal and General increases your premium in breach of your policy terms, you can challenge the change. Provide the policy schedule and the renewal notice showing the increase. If terms are unfair, cite the Consumer Rights Act 2015 and escalate to the Financial Ombudsman Service if unresolved.

Applicable law: Consumer Rights Act 2015.

Death of the policyholder

To cancel or make a claim after the death of a policyholder, send a certified copy of the death certificate and the policy number to the claims team. For trust-held policies, check trusteeship documents; if the policy is written under trust, the settlor needs permission from all trustees to cancel per Legal and General guidance.

Applicable law: Contractual terms and insurance policy conditions; complaints may go to the Financial Ombudsman Service.

Legitimate grounds accepted by Legal and General

Legal and General accepts cancellation for these documented reasons: exercise of 30-day cooling-off, non-payment leading to automatic lapse after 60 days, and trustee consent requirements for trust policies. For pensions, cancellation within 30 days of opening returns investment value subject to market movements. Provide the welcome pack or policy schedule as proof.

Applicable law: Consumer Contracts Regulations 2013 for cooling-off; Financial Conduct Authority regulation.

End of commitment

If your policy has a fixed term, it ends on the date specified in the policy schedule. Provide the policy schedule and request confirmation of expiry and any final payments or refunds. No statutory further action is required beyond contract terms.

Applicable law: Contract terms governed by Consumer Rights Act 2015 where applicable.

Cooling-off period

You have 30 days to cancel many new life insurance and personal pension contracts from the date you receive your welcome pack or policy documents. For personal pensions, if you cancel within 30 days the investments will be sold and the value returned; if investments fall you may receive less than you paid. Send the signed cancellation letter or use My Account within 30 days.

Applicable law: Consumer Contracts Regulations 2013 - 30 day cooling-off for many distance contracts.

Before you cancel: negotiate

Legal and General does not publish broad retention offers. If you want to keep cover for a lower cost, call 0370 010 4080 and ask for a review of your premium or product. Provide your policy number, recent correspondence and a target premium. Ask for alternatives such as a change of cover level, switching payment frequency to annual, or moving to a lower-cost fund where available. If you hold a workplace pension, ask your employer or scheme trustee for options.

What cancellation saves you

Use actual Legal and General published prices to calculate savings:

• Savings & Investments Advice: £1,495 per year. Annual saving if you cancel: 1,495 - 0 = £1,495 per year.
• Combined Retirement, Pension Planning, Savings and Investment Advice: £2,245 per year. Annual saving if you cancel: 2,245 - 0 = £2,245 per year.
• Personal Pension Service Charge example: 0.25% of pension value. For a £5,000 pension the charge is 0.25% x £5,000 = £12.50 per year.

Compare with a cheaper competitor from research: Aviva's listed price is £5 per month which is £5 x 12 = £60 per year. If you cancel the Legal and General Savings & Investments Advice at £1,495 and instead pay Aviva £60 annually for a basic digital policy, the saving is: 1,495 - 60 = £1,435 per year.

For retirement advice fees, compare on the basis of service rather than direct price only. See Legal and General investment advice page: Investment advice.

Consumer law and regulators

Legal and General is regulated in the UK by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Consumer protections include the Consumer Rights Act 2015 for service quality and fairness of contract terms, and the Consumer Contracts Regulations 2013 which provides a 30-day cooling-off period for many distance contracts.

How to escalate a dispute

First submit a complaint to Legal and General and request a final response. If you are not satisfied, escalate to the Financial Ombudsman Service for product sale or advice disputes. For pension administration disputes use The Pensions Ombudsman. Citizens Advice can provide guidance and the Direct Debit Guarantee allows you to cancel a direct debit via your bank and reclaim a wrongly taken payment.

Auto-renewal and unfair terms

The Competition and Markets Authority (CMA) considers hard-to-cancel subscriptions and unclear auto-renewal terms as potentially unfair. If your policy renews automatically without clear notice or a fair cancellation route, cite CMA guidance and Consumer Rights Act 2015 when raising a dispute with Legal and General and the Ombudsman if needed.

Check confirmations and final billing

Keep the cancellation confirmation email, call reference or signed postal receipt as proof. Verify the effective cancellation date and request a final statement showing any refund or outstanding amounts. For annual policies ask how a proportionate refund is calculated.

Access to documents and data

Download policy documents and keep a copy of the welcome pack, terms and conditions and cancellation confirmation. If you need copies, request them via My Account or email support. For pensions, confirm how transferred funds are returned if you cancelled a transfer within 30 days.

Re-activation and new cover

If you want to re-activate coverage, request a new quote; older health or age changes may affect price or eligibility. For pensions, re-opening may require new adviser review and could involve new fees.

Use this checklist to complete your cancellation with evidence and follow-up:

• Find your policy number and welcome pack.
• Decide cancellation method: Phone (0370 010 4080), My Account, email or registered post.
• If cancelling by post send a signed letter to: Legal and General, One Coleman Street, EC2R 5AA London, United Kingdom and obtain proof of postage.
• Request written confirmation and a final statement showing any refund or refund calculation.
• If within 30 days, request a cooling-off refund and expect investments to be sold for pensions.
• If a direct debit exists, cancel via your bank and notify Legal and General.
• If disputed, collect evidence and escalate to the Financial Ombudsman Service or The Pensions Ombudsman as appropriate.