I lost my husband in November 2018,he took his own life. I am ready to do the same because i am not just dealing with losing the love of my life, i am having to worry about legal and general paying out, even though there is no history of depression. Its not just myself, but his mother lives with us. We are both trying to comfort each other through the grief, but for 3 months we have had the added stress of this insurance company. My husband worked hard and paid the highest premium for 3 years because he loved his family. Heartless is what this company is. Big,well known company who you think you can trust. Our family is broken. Wish we had read all reviews before paying so much a month for mortgage and life insurance.