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.