Charges & premiums

• The premium we quote you is affected by a number of factors. The main ones are your age, sex, occupation, smoker status, health, the level of cover you need, and type of contract that you choose. The older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
• There are no hidden extras - premium payments include all expenses and cover starts from just £6 per month depending on your individual circumstances and needs.
• Premiums are guaranteed: you pay the same throughout the term of the plan. However, if you decide to include Critical Illness Cover in your plan, you can choose between guaranteed and reviewable premiums. If you choose reviewable premiums, these are reviewed every five years and could increase or decrease.
• You can increase the amount your policy covers you for in the future, but your premium will increase. There are also certain terms and conditions for increasing your cover, which are outlined in the Key Features and Policy Conditions documents. Please read them carefully.
• Legal & General's Mortgage Term Assurance (mortgage life insurance) includes Terminal Illness Cover at no extra cost. You can read more about Terminal Illness Cover.