Over 50s Life Insurance

Guaranteed acceptance, no questions asked

If you’re aged between 50 and 80 at the time of application and you live in the UK permanently your cover will be approved, and we won’t need to ask you any questions about your health or personal circumstances.

A guaranteed cash lump sum that we'll never reduce

When you take out the plan you’ll be quoted a tax-free amount that your family will receive when they make a claim. We guarantee this amount will never be reduced, just as long as you continue to pay your monthly premiums as required.

Cover from as little as £10 per month

You can become insured from just £10 per month, and you can choose a monthly premium that suits you up to £50. The higher the monthly premium you choose, the higher your level of cover will be.

Fixed premiums for life

The premiums you pay each month will be fixed from the start of the plan, and will not be increased throughout the term of the plan. When you reach age 90 you will stop paying your premiums but you will remain fully covered.

Flexibility to reduce your premiums

If you wish you can choose to reduce your monthly premiums at any time, as long as this remains within the minimum of £10 per month, and we would then reduce the amount of life cover to reflect this change.

You can also decide to open more than one Over 50s Life Insurance Plan with us, just as long as the total amount of monthly premiums you pay does not exceed the maximum of £50 per month.

Funeral benefit option

We work with Golden Charter Funeral Services, the largest independent funeral service provider in the UK, who will contribute an extra £300 on top of your cover when you choose to nominate them to take care of your funeral. You can opt in to the funeral benefit option at the time of your application.

Access to bereavement services

Your Over 50s Life Insurance plan gives you access to the National Bereavement Service, a not for profit organisation that offers practical guidance to families going through a bereavement. We understand that when you lose someone who is close to you that it can be both traumatic and upsetting. Few of us realise how much practical work has to take place and at an already difficult time.

Their team of advisors will guide you through the practical side of bereavement and provide you with a clear understanding of what those steps are from arranging a funeral to dealing with the legal and financial issues that need to take place. If you would like more information about this additional benefit please call the National Bereavement Service on 0800 024 6281.