Key Features of Life Insurance
Its aims
To provide a guaranteed amount of money if you die during the period you choose for cover. 
To provide a guaranteed sum of money, if you become terminally ill during the chosen term, excluding the last 18 months.
Your commitment
You agree to pay regular premiums throughout the chosen term.
Risk factors
If you don't pay your premiums within 30 days of the due date, the policy will lapse and no lump sum will be payable if you die or become terminally ill. The policy has no cash value during or at the end of the term. We will not pay out if you do not disclose any requested information.
Who can apply?
You can apply if you are aged between 17.5 and 78 years next birthday.
What extra protection is provided?
Terminal Illness Cover Your plan will pay out if you are diagnosed as having less than 12 months to live (instead of when you die). This facility is not available during the last 18 months of the period of cover. If yours is a joint life plan, terminal illness cover will apply to both of you but we will only pay out once in respect of the first of you to be diagnosed as suffering from a terminal illness. Once a terminal illness claim has been accepted, your plan will end and no more benefits will be payable. After we have accepted your terminal illness claim, you will not have to pay premiums.
How does term assurance work?
The plan will pay a guaranteed sum of money if you die within the chosen term or are diagnosed with a terminal illness. You decide how much cover you need and how long you want it to last. The cover stays the same for the whole period unless you increase the amount. (Please note: in some cases, we may need medical information before we agree to provide cover.)
Will the premiums ever go up?
No. The premiums will stay the same throughout unless you change the amount or type of cover.
Can I increase the amount of cover later on?
Yes, you can when certain events happen, e.g. if you get married, become a parent, or increase your mortgage due to moving house or extending your home. If your application is accepted on normal rates, no further medical questions will be asked. (Please note: there are some conditions that apply to increased cover. Contact Legal & General for details.)
How can I pay?
You can pay your premiums by Direct Debit every month or once a year by Direct Debit or cheque.
Can I share the plan with someone else?
Yes: for example, your partner.
What will stop you paying my claim?
We will not pay a death claim if you commit suicide in the first 12 months of the plan.

Further Information
Your right to cancel
After we accept your application, you will receive a notice of your right to cancel. By law, we have to send you this notice. You will then have 14 days in which you can change your mind.
Tax
The guaranteed sum of money is free of income tax, and capital gains tax. Please ask
Legal & General for details. Tax assumptions are those currently applicable and are subject to change. Payment on death may be subject to inheritance tax. You may be able to use a trust to mitigate the liability.
Law
This contract is governed by English law.
Complaints and compensation
If you have a complaint or any questions about compensation, please call our helpline on
08700 104 080. For your protection, we may record and monitor calls. Calls are charged at the national rate.
Or you can write to us at: Legal & General Assurance Society Limited, PO Box 1186, Hove, East Sussex, BN3 1SD. Complaints we cannot settle may be referred to the Financial Ombudsman Service at South Quay Plaza, 183, Marsh Wall, London E14 9SR.
If you make a complaint, it will not affect your right to take legal action.
Under the Financial Services Compensation Scheme, should the company be unable to meet all its liabilities to planholders, compensation may be available. Information can be obtained on request.