Additional Benefits

Legal & General have a number of additional benefits which give you even more protection and offer you extra peace of mind. Please see the list below for more details.

Additional benefits included at no extra cost:

Accidental Death Benefit

Sometimes, when you apply for a life assurance policy, Legal & General will be unable to give you an immediate decision. They may need to write to your doctor for more information.

During this time you will still have some protection with Legal & General’s free accidental death benefit whilst they process your application. This cover is provided without the need for underwriting – giving you peace of mind that you’re covered in case of accidental death.

Terminal Illness Cover

Terminal Illness Cover is automatically included at no extra cost. This benefit means that your policy could pay out a lump sum on diagnosis of a terminal illness, rather than on death, providing financial support at a time when it could be needed the most. No claim can be made after the death of the person insured or within 12 months immediately before the policy ends.
Please refer to your original policy document for full terms and conditions.

Making changes to your policy

You can make changes to your policy, such as changing the term, the amount of cover, switching from joint to single policies or even changing your premium payments from monthly to annually. Legal & General also offer the Guaranteed Insurability Option which lets you increase your cover on certain life events.
Any changes you make could affect the premiums you pay and Legal & General would have to assess any change request based on your personal circumstances at the time.
Please refer to your original policy document for full terms and conditions.

Legal & General’s Mortgage Life Insurance includes the following at no extra cost:


When you take out our Mortgage Term Assurance or Mortgage Decreasing Term Assurance you get the SmoothMove benefit included at no extra cost!

SmoothMove is a 24-hour moving day rescue service. So if there’s an emergency when you move, services such as car recovery, rescue removal van, hotel accommodation and legal advice are just a phone call away.

For more information on SmoothMove please read the SmoothMove Policy Summary (PDF: 851KB).

Free Life Cover

When you take out Legal & General’s Mortgage Life Insurance you get Free Life Cover added at no extra cost.

You’ll get Free Life Cover if you die between exchange of contracts and completion of your property purchase. Free Life Cover will be the amount of your chosen sum assured, the amount of your loan or £300,000, whichever is lowest. In Scotland, your Free Life Cover will be provided from when you complete missives for your chosen property until the date of entry. You are covered for 90 days from when you exchange contracts.

For more information on Free Life Cover, click here Free Life Cover (PDF: 241KB).

Optional benefit:

Waiver of Premium

For an additional cost, the Waiver of Premium can be added at the start of your policy. It means your premiums are waived when you are too ill to undertake your normal occupation due to incapacity caused by illness or injury. You’re responsible for maintaining your premiums for the first 26 weeks of incapacity, after 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about.

If you decide to add Waiver of Premium you’ll be asked to select this option during your conversation with one of our specialists.

For more information on all of the above options, please see Legal & General’s Mortgage and Family Protection Key Features Document (PDF: 138KB)

Retirement ProfessionalsAdditional Benefits