Legal & General Reviews

Name: Legal & General
Rating: 1.66

1.7 Rating 606 Reviews

16 %

of reviewers recommend Legal & General

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1.7

Based on 606 reviews

Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Over A Week

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Legal & General 1 star review on 14th June 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Absolute nightmare trying to set up an account being messed around saying that it has been set up then not letting me log in. I have been trying for weeks to get this sorted as they were recommended but I have given up, if it's this hard to set up insurance how hard will it be to claim”

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Posted 10 months ago

“I got a term life insurance policy from them through Banner Life. Banner life could not cancel the policy, but they said I could switch to a quarterly payment and let it lapse. Then it would cancel, but they would have to report me to the credit agencies as delinquent. Why in the world would I do that? So, my other option was to call Legal and General which I did. They told me I had a choice to either do nothing and it would be cancelled based on my call or to fill out a surrender form. They couldn't just send a form to me indicating that I cancelled. I decided to fill out a surrender form to have a paper trail. A couple days go by and I get a billing notice that I need to make a payment (my payments were always auto debit) and then I would be switched to quarterly billing. Why am I getting this? I just want to cancel, not switch to quarterly billing. So, I assume I will need to spend hours on the phone trying to work this out. Now I know why they have a 1.7 star rating.”

Helpful Report

Posted 11 months ago

“Inert, unprofessional company refused to communicate with me when I wanted to take my pension early due to a brain tumour. As this was the second time they had done it, I sued them in small claims court. My claim was only for £475 initially and they said they would settle. However they failed to pay up by the deadline, so I had to do more work (while ill) to put my claim through court. I therefore wanted £550. They sent me a snarky letter saying they were refusing to increase their offer by a mere £70. So I asked the court to make a judgement and lo and behold, these charlatans sent me a cheque for £550. Their behaviour is what's known as dishonourable conduct, but what do you expect from a gang of crooks.”

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Posted 11 months ago

“No option for 0 stars Poor poor service and an embarrassment and complete shambles of an insurance company, I inserted a claim back in February 2024 for income protection which was recommended to me when I got my mortgage back in 2018 I have been signed off work since September 23 due to ill health and incapacity to work. I have supplied all recommended documents and you have received all the necessary documents to support my claim...........however your contacting my gp for further information for medical information prior to when I took your "recommended" policy out which has therefore put my claim at risk and has been declined! I've been paying the policy £15.96 every month for this policy and I'm not seeing any benefit from it!!! I have a dependent under 18 with no income at the moment as I'm currently attending acute day service due to my ill health and you as a company aren't helping with my recovery at all!!! Your quite happy to phone my gp for a duty of care consultation but you clearly don't care one bit at all! Your quite happy to take my money monthly knowing I don't have an income that I can't pay my bills. When asked about to your colleagues what if they were in my situation they couldn't comment like they don't have a sense of care at all or empathy. It's not just one person handling the case it's multiple people which doesn't make sense at all! I will be seeking legal advice and speaking to the insurance ombudsman regarding this matter and you as a company and employees should be ashamed quite happy to pass the blame so on and so forth don't know how you all sleep at night!!!! Because I know dam sure I don't sleep. Holly in your clinical team rings me for an update and asks the relevant details and updates but if I don't answer it will impact my claim.....it seems this has already been impacted by your inconsistent unprofessional manner and day to day running!! I've already put a complaint in and have been informed this can take up to 8 weeks which is absolutely disgusting!! Oh and to add to this a decision was made on the update portal on Friday 5th July no email notification or phone call, I had to take this upon myself and ring up to be informed its been declined and to be told the person who has been dealing with the case has gone home.....hmmmm this sounds to me very unprofessional and not a care in the world. I will be making further complaints and making everyone fully aware what you have done and are doing not individually but as a whole company.”

Helpful Report

Posted 11 months ago

“If I could leave no stars I would, nothing but distress and upset to my family over the last 7 months! They have no real understanding on mental health no empathy or compassion call your self a life insurance is laughable! They take the mick when it comes to someone’s claim purposely take as long as they can so they don’t have to pay out…apparently if you have mental health they don’t pay out anyway..JOKE”

Helpful Report

Posted 11 months ago

“Currently engaged in litigation against this 3rd rate wreckage of inertia. For the 2nd time I tried to withdraw my pension and for the second time they refused to communicate with me. I needed the money for medical bills. Had to get a high interest loan because of their obstructive behaviour, and they are well aware I'm a vulnerable person with a brain tumour. Very much looking forward to the court making a judgement against these cretins who are utterly devoid of humanity or common decency. To add insult to injury, they wanted me to call them on a premium rate number to negotiate a settlement. Disgusting predators. Needless to say I declined.”

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Posted 11 months ago

“They are withholding the pension payments paid to my daughter now she has turned 18. This is her late fathers money that has been paid for the last 9 years. Her policy states it will pay out until she is age 23 if she remains in FT education. They had proof from her school, I have phoned and written letter but they still owe her 9 months of money. Just written a letter of complaint. Not sure how she will afford accommodation at university without this money. They are apologetic and convincing on the phone but cant actually make the payments.”

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Posted 11 months ago

“Would give them 0 stars if i could. They are ok when paying in but you try and get your pension out and you will have to jump through hoops. Should rename them legal & terrible”

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Posted 11 months ago

“This company are as bad as the scams you resive on your phone . Full of promises like government m.ps but I can tell you this. sign up to these guys you will regret the day you ever did . You don't need to hear my story and be board reading it . Take a short peace of advice look else where ..!”

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Posted 11 months ago

“Dlaczego nie chcą mi oddać pieniędzy, mojej prywatnej emerytury, nie zostawię tego,pójdę na drogę prawna,oszustwo”

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Posted 1 year ago

“Legal and general don’t care about their staff anyone I’m with mental health problems just gets sacked and when you say you are suicidal they don’t care work is a joke there staff have nothing to do just sit there”

Helpful Report

Posted 1 year ago

“Bad at communicating only find out information when you call..and delay any funds your expecting.”

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Posted 1 year ago

“extremley poor service .just lost my wife of 40 years and stress been made 10 times worse with this company . after taking my money for 10 years still no sign of settling claim constantly stalling with 1 excuse or another . do not buy life insurance with this company . sick of them stalling to point of getting legal advice .”

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Posted 1 year ago

“To get a very short protection on my mortgage have left critical life insurance had to go through very intrusive questions about things that have happened in the past and they are in the past doing very well now don't have mental health issues because now I am out of it can't get any cover very sad really I have the rights as much as anyone else to be able to be covered never mind I will live and be happy I'm sure may find another one disappointing really won't bring any business to them .”

Helpful Report

Posted 1 year ago

“Seemed to me their application process and handling was extremely unprofessional and riddled with delays, miscommunications, and plain childish errors. I'll get my life insurance elsewhere.”

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Posted 1 year ago

“Like many people here, I have found the performance of this company to be absolutely shocking. Unfortunately, my company have selected L&G to manage the pension fund. It may just as well serve as an account to deposit money into as the returns over the last 6 years have yielded under 4%. When you read about some of their investments and the losses they have continued to make on investments such as housing, I guess it is not surprising.”

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Posted 1 year ago

“Previous awful experience with this company & my new mortgage health insurance was with them so came on to see if any change so Thankyou everyone for the bad reviews as I’ve made alternative choice & saved myself a ton of grief !!!! 😡”

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Posted 1 year ago

“I have been waiting almost three months to get my pension payments from L&G. They told me it should take about 6 weeks from start to finish and almost three months later and I still haven’t received my first payment!! I would steer clear !! They don’t return phone calls or reply to emails!”

Helpful Report

Posted 1 year ago

“I would give zero stars if possible! Shocking Experience with Legal & General for a Critical illness cover . After 6 years of payments on the insurance when I have done a claim , they have declined my claim after 8 months of investigation as well as cancelling my insurance and they have returned my payments back . Why didn’t they tell me after a month, a year …???? At this stage no other company will offer me a insurance , probably if I died, my wife and kids would have been homeless by now.”

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Posted 1 year ago

“I have a pension with this company, its performance is shockingly bad, growing by only 3 percent in the last 5 years.....even I could manage the money better by putting it into a savings account...they should be investigated and shut down because they are preying on the pensions.”

Helpful Report

Posted 1 year ago

Legal & General is rated 1.7 based on 606 reviews