Trust & Proof: Legal & General – Signal Evidence & AI Readability

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    "@type": "WebSite",
    "url": "https://www.legalandgeneral.com/",
    "logo": "https://www.legalandgeneral.com/asset/492094/globalassets/global-shared-assets/logos/landg_logo.svg",
    "name": "Legal & General",
    "brand": "Legal & General",
    "address": "One Coleman Street, London, EC2R 5AA"
}

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    {
        "@context": "https://schema.org",
        "@type": "FAQPage",
        "mainEntity": [
            {
                "@type": "Question",
                "name": "How much Life Insurance do I need?",
                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<p>Every family has a different set-up, so consider your personal circumstances. If you’re a homeowner, you may want to take out life insurance to cover the length of a mortgage; for example, 25 years. If you have a family, could your loved ones afford things like childcare, educational costs and daily living expenses?</p>\n<p>You may want to think about your annual salary multiplied by the number of years your family will be financially dependent on you. Think about the amount of money your family would need to maintain their lifestyle and cover things like everyday living expenses.                                                                                      </p>\n<p>If you'd like more help, you might find our <a href=\"https://www.legalandgeneral.com/insurance/life-insurance/life-insurance-calculator/\" target=\"_top\">life insurance calculator</a> useful. Alternatively, you could speak to your financial adviser if you have one, or get a life cover quote today.</p>"
                }
            },
            {
                "@type": "Question",
                "name": "Is my life cover still valid after I’ve finished paying for my mortgage?",
                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<p>Even though your policy may have been set up at the same time as you took out a mortgage, or made another financial commitment, they are separate products.</p>\n<p>Your policy would pay out in the event of a valid claim during your policy term, whether or not you still have that mortgage or financial commitment in place.</p>\n<p>It is at the discretion of your beneficiaries how they choose to use the proceeds in the event of a valid claim.</p>"
                }
            },
            {
                "@type": "Question",
                "name": "How long should I get life insurance for?",
                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<p>You should think carefully about how long you need cover for. Some people decide to get life insurance to cover the length of a mortgage term; say, 25 years, while others think about how long their children will be financially dependent on them.  </p>\n<p>Ultimately, it’s a personal decision and you should factor in your family’s unique circumstances.</p>"
                }
            },
            {
                "@type": "Question",
                "name": "What does life insurance not cover?",
                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<p>You won’t be covered if you die within the first year of your policy <a href=\"https://www.legalandgeneral.com/insurance/life-insurance/health/does-life-insurance-cover-suicide/\" target=\"_top\">as a result of suicide</a>, death caused by intentional and serious self-injury, or an event where in our reasonable opinion, the insured person took their own life.</p>\n<p>We won't pay out if you are diagnosed with a terminal illness which doesn't meet our definition. Terminal Illness Cover can't be claimed:</p>\n<ul>\n<li>after your death</li>\n<li>if the length of the policy is less than two years</li>\n</ul>\n<p>There could be some circumstances where we are not able to provide full cover based on the answers you gave in your application. If there are any exclusions to your cover, these will be explained in your Policy Schedule and Policy Terms and Conditions we send you after you take out cover.</p>\n<p>Your cover will end if you stop paying your premiums when due and it's important to remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.</p>\n<p>See the <a href=\"https://www.legalandgeneral.com/asset/48ffef/globalassets/personal/life-cover/_resources/documents/qgi14872.pdf\" target=\"_blank\" rel=\"noopener\">Policy Terms and Conditions</a> for the full list of exclusions. If you are an existing customer please refer to your policy documents for details of your cover.</p>"
                }
            }
        ]
    },
    {
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        "@type": "VideoObject",
        "name": "What is Life Insurance? | Life Insurance Explained | L&G",
        "description": "Life insurance can provide welcome financial protection for your loved ones, but what is life insurance and how does it work? Our expert Barry explains all.",
        "thumbnailUrl": "https://www.legalandgeneral.com/asset/4906fd/globalassets/personal/life-cover/life-insurance/videos/what-is-life-insurance-thumbnail.jpg",
        "uploadDate": "2025-12-17T00:00:00Z",
        "duration": "PT1M",
        "embedUrl": "https://www.legalandgeneral.com/insurance/life-insurance/definitions/what-is-life-insurance/"
    }
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    "@context": "https://schema.org",
    "@type": "FAQPage",
    "mainEntity": [
        {
            "@type": "Question",
            "name": "What is Over 50 Life Insurance?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Over 50 Life Insurance is a type of ‘Whole of life’ cover that can be taken out if you’re aged between 50 and 80. There's no medical and you pay a chosen monthly premium, which will never go up. Cover will last as long as you live and when you pass away this could be used to leave some money for your loved ones, help settle any unpaid bills or put towards the cost of a funeral.</p>\n<p><strong>This page was last reviewed by our expert <a href=\"https://www.legalandgeneral.com/our-experts/insurance/lisa-redman/\">Lisa Redman</a> on 18 September 2025.</strong></p>"
            }
        },
        {
            "@type": "Question",
            "name": "How does Over 50 Life Insurance work?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Whether you're over 50, 60 or 70, over 50s life cover is simple.</p>\n<ul>\n<li class=\"wysiwyg-icon wysiwyg-icon__checkmark-green\"><strong>Get a quote for life cover over 50 in 2 minutes</strong>. Our quick and easy <a href=\"https://over50sdirect.legalandgeneral.com/\" target=\"_top\">online quote tool</a> can show you how much Over 50s Life Insurance costs for a range of cover.</li>\n<li class=\"wysiwyg-icon wysiwyg-icon__checkmark-green\"><strong>Choose the cover you need</strong>. You choose a premium you want to pay and can afford each month, to provide a cash sum payout that meets your needs.</li>\n<li class=\"wysiwyg-icon wysiwyg-icon__checkmark-green\"><strong>Once you've taken out cover, monthly payments will never rise</strong>. So, it’s a little easier to budget. You will stop paying premiums at age 90, but your cover lasts for as long as you live.</li>\n<li class=\"wysiwyg-icon wysiwyg-icon__checkmark-green\"><strong>100% of claims paid</strong>. When you pass on, we will <a href=\"https://www.legalandgeneral.com/insurance/over-50-life-insurance/premiums-and-payouts/\">payout</a> the cash sum on a valid claim. Your loved ones could use this cash sum to help at a difficult time.</li>\n</ul>"
            }
        },
        {
            "@type": "Question",
            "name": "What is over 50s life cover?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Over 50s life cover is a type of life insurance that can be taken out if you’re aged between 50 and 80. You pay monthly premiums, and as long as you’ve paid premiums when due, when you pass away your loved ones will receive a cash sum.</p>"
            }
        },
        {
            "@type": "Question",
            "name": "Who needs over 50s life cover?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Our Over 50s Fixed Life Insurance is for UK residents aged 50 - 80, to provide your family with a cash sum after you die, to help contribute towards funeral costs or to leave as a gift. It only takes a few minutes to get cover, leaving you plenty of time to get back to doing what you love.</p>"
            }
        },
        {
            "@type": "Question",
            "name": "Do I need a medical?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Over 50s Fixed Life Insurance plan offers guaranteed acceptance with no medical for UK residents aged 50-80. Full cover is payable after just 1 year.</p>\n<p>There may be other products available if you want to answer further lifestyle and medical questions. It's worth considering which type of life insurance is right for you. Some could give you more protection for the same price.</p>"
            }
        },
        {
            "@type": "Question",
            "name": "Do I need an over 50s life insurance plan?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>There are certain circumstances where getting over 50s life insurance is something you might want to consider. For example: </p>\n<ul>\n<li>You want to put some money towards your funeral costs.</li>\n<li>You want to contribute towards paying off outstanding debts when you pass away.</li>\n<li>You want to leave a small gift for your loved ones.</li>\n<li>You don’t already have life insurance that covers you for the rest of your life and this type of cover could benefit you.</li>\n<li>If any of the above apply to you, taking out a policy could help you meet those needs.</li>\n</ul>\n<p>It will be your own personal circumstances that will determine if over 50s life cover is the right option for you. There are many <a href=\"https://www.legalandgeneral.com/insurance/life-insurance/definitions/different-types-of-life-insurance/\" target=\"_top\">types of life insurance</a>, so it is worth taking some time to research.</p>\n<p> </p>"
            }
        },
        {
            "@type": "Question",
            "name": "Can my partner take out cover as well?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Your partner can also apply for a plan providing they are aged 50 to 80 and a UK resident and reside in the UK for at least 183 days per calendar year. However, as the plans are set up individually, they cannot be held in joint names.   </p>"
            }
        },
        {
            "@type": "Question",
            "name": "Can I cash in my plan?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>Our Over 50s Fixed Life Insurance is not a savings or investment product and has no cash value unless a valid claim is made.   </p>"
            }
        },
        {
            "@type": "Question",
            "name": "How many Over 50s Life Insurance plans can I take out?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>You can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value for all plans when added together is not greater than £10,000. If you have a plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total cash sum.    </p>"
            }
        },
        {
            "@type": "Question",
            "name": "What needs to be done when making a claim?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<p>In the event of a claim, please call or write to us. <a href=\"https://www.legalandgeneral.com/existing-customers/life-cover-support/#/path/Claims-Channels/Channel-to-Call-Abroad-Claims-Bereavement-Over-50s/1406034102/How-do-I-make-an-Over-50s-Life-Insurance-claim.htm\" target=\"_top\">Read more about our claims process</a>.</p>"
            }
        }
    ]
}