Very rude said he was from legal and general life insurance to talk about my policy I said I don’t have a policy with…

Legal & General won't ring you cold claiming you have a policy you don't recognise — that's a dead giveaway. Hang up and ring Legal & General direct on a number from their official website or your documents; don't use any number the caller provided.

Stop and think before you act. If something feels urgent, threatening, or too good to be true — that urgency is the weapon. Scammers use pressure to override your judgement. Nothing is ever so urgent that you can't take five minutes to check, call back on a number you found yourself, or ask someone you trust.