Cancel Legal and General Life Insurance the easy way

Overview

Legal and General Life Insurance provides personal life cover designed to pay a cash lump sum on death or terminal illness and variants such as decreasing cover for mortgages and Over 50s plans. Policies include optional Critical Illness Cover for an additional cost and features like Accidental Death Benefit and Terminal Illness Cover.

Core products

The main product lines are level term life insurance, decreasing life insurance for mortgage protection, and Over 50s guaranteed acceptance cover. Prices start from £5 per month on headline offers, with specific premiums set by age, health, smoking status and term.

Company facts

Web (My Account)

1. Open legalandgeneral.com.
2. Sign in to My Account using your credentials.
3. Find the policy in 'My policies' and choose 'Cancel policy' or 'Change cover'.
4. Follow on-screen prompts and confirm cancellation.
5. Save or screenshot the confirmation and check your email for confirmation.

iOS

1. Open a browser on your iPhone and go to the Legal and General website.
2. Sign in to My Account and follow the same steps as Web.
3. Retain the email confirmation or screenshot of the cancellation page.

Android

1. Open a browser on your Android device and visit the Legal and General site.
2. Sign in to My Account and cancel the policy as on desktop.
3. Keep the confirmation email or screenshot as proof.

Phone

1. Call 0370 010 4080 (cancellations line).
2. Provide policy number, full name and date of birth to the agent.
3. Request a cancellation reference or confirmation email.
4. If you need to escalate, call 03700 600 015 (Mon-Fri 9:00-18:00).

Email (when no direct email is published)

1. Legal and General does not publish a general cancellations email address.
2. If you require a written notice, send a signed letter by post to the address below.
3. Ask the phone agent for confirmation of the postal process if needed.

Post

1. Write a signed cancellation letter including policy number, full name, address and date of birth.
2. Send by recorded/postal service to: Legal and General Life Insurance, The Droweway, BN3 7PY Hove, United Kingdom.
3. Allow 5-10 working days for processing and request a written acknowledgement.

Moving home

If you move address, Legal and General does not automatically cancel your policy. Provide proof of new address such as current council tax bill or utility bill and inform Legal and General by My Account, phone or post. Legal and General may offer to update your records; updating address is not a cancellation ground unless you request termination.

Price increase

If Legal and General increases your premium during the term you accept, you may cancel if the change is material and you do not accept the new premium. Provide the insurer notification and your written refusal to pay the increased premium. This follows Consumer Contracts Regulations 2013 principles for contract changes in distance contracts.

Death of policyholder

Where the policyholder has died, the policy will be processed under the claim procedure. Next of kin or executor should provide the death certificate and the policy number to start claims or cancellation processes. Contact the claims team via the website or phone for exact steps.

Legitimate grounds accepted by Legal and General

Legal and General accepts cancellation during the cooling-off period and cancellations due to non-payment or material misrepresentation. If incorrect information is discovered, Legal and General may cancel the policy and may not refund premiums already paid. Provide supporting documents such as medical records or payment history.

End of commitment

If a term policy reaches its end date, cover stops automatically. No further action is required unless you want to renew or take out a new policy.

Cooling-off period

You have a 30 days cooling-off period for life insurance starting from when the policy begins or when you receive policy documents, whichever is later. Cancelling within 30 days triggers a refund of premiums paid; Legal and General may deduct a small amount for days of cover or an administration charge. This right is derived from the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the research summary on cooling-off for life insurance.

Before cancelling: negotiate

Research does not report standard retention offers that Legal and General always makes. Ask the cancellations adviser for a "premium review", to change payment frequency from monthly to annual, to remove optional extras such as Critical Illness Cover, or to consider a reduced cover amount. Call 0370 010 4080 and request a written offer or confirmation so you can compare costs.

What cancelling saves you

Use actual plan prices to calculate savings.

• Life Insurance (Standard) headline: from £5/month. Yearly cost = £5 x 12 = £60/year.
• Decreasing Life Insurance headline: from £5/month. Yearly cost = £5 x 12 = £60/year.
• Over 50s sample: £25/month example. Yearly cost = £25 x 12 = £300/year.
• Over 50s sample: £34/month example. Yearly cost = £34 x 12 = £408/year.
• Over 50s sample: £20/month example. Yearly cost = £20 x 12 = £240/year.

Cheapest named competitor in research: Aviva at £6.04/month = £6.04 x 12 = £72.48/year. Example switching savings: if you currently pay £25/month with Legal and General and switch to Aviva at £6.04/month you save £18.96/month. Yearly saving = £18.96 x 12 = £227.52/year.

Consumer law and regulator

Life insurance in the United Kingdom is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Consumer protections include the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off period for most distance contracts; for life insurance this is extended to 30 days according to Legal and General guidance and industry practice. If you cancel within 30 days you should receive a refund of premiums paid, although an insurer may deduct a sum for days of cover or an administration charge.

Escalation path

If you cannot resolve the issue with Legal and General: first complain in writing to the insurer; if the final response is unsatisfactory, escalate to the Financial Ombudsman Service. For general advice contact Citizens Advice. Cardholder chargeback or Section 75 claims may be available for qualifying card payments.

Confirm refund and final billing

If you cancelled within 30 days expect a refund. If you paid monthly and cancel after 30 days there is typically no refund. If you paid annually and cancel after 30 days you will receive a proportionate refund. Contact the cancellations team to request a final statement and refund timetable.

Get proof of cancellation

Keep the on-screen confirmation, email confirmation or written acknowledgement. If you cancelled by post, keep the recorded delivery receipt. Retain the policy number, cancellation reference and the date for future disputes.

Re-activation and new cover

If you want new cover after cancelling, you will need to apply as a new customer. Premiums will be recalculated based on your age and medical details at the time of new application.

Follow this checklist when cancelling to avoid losing proof or refunds.

• Find your policy number and the date you received policy documents.
• Decide cancellation method: My Account for speed or recorded post for proof.
• If cancelling within 30 days, request a refund and confirm amount in writing.
• Take screenshots of confirmation pages and save confirmation emails.
• If cancelling by post, send a signed letter to the registered address by recorded delivery.
• Record the phone reference number and agent name if cancelling by phone.
• If you paid annually, confirm the proportionate refund calculation in writing.
• If you disagree with the insurer outcome, prepare a written complaint and keep all correspondence for the Financial Ombudsman Service.