Over 50 Life Insurance

You can get premiums around £10 per month*

£100 Gift Card for New Policy Holders

Easy Application - Quick 30 Second Form

Guaranteed Acceptance for UK Residents Aged 50-80

No Medical Checks or Blood Tests

We've got you covered

An over 50s policy is a whole-of-life insurance policy designed to leave your loved ones with a tax free lump sum in the event of your death. This lump sum could be used to pay for funeral costs, household bills or simply as a financial gift for your family.

Over 50s life insurance is available to UK residents aged 50 to 80. With an over 50s policy there is no medical required and acceptance is guaranteed. You decide on your monthly premium and the provider will show you what pay-out to expect. This could be ideal if you’re looking for a life insurance policy where you choose what you want to pay and no medical checks are needed.

Understanding what the insurance is for

How does an over 50s policy work?

There are three big factors that determine how much cover you’d be able to take out: Your age, whether you're a smoker or not & what premium you'd like to pay each month. You pay your agreed monthly premium either until you die, or until you reach the maximum age of your policy e.g 90 or 95 and then when you eventually pass away, the policy will pay out. Bear in mind that your policy may have a deferred period, typically 12 to 24 months. The amount paid out during this period will vary by provider, so be sure to check the policy details. If you’ve set your policy up in trust it will go to whoever you named as a beneficiary.

Over 50s life insurance are purely insurance plans and as such have no investment element to them meaning they will never have a cash-in or surrender value - so if you stop paying your premiums you won’t get anything back

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Things you need to know

  • The total payments you make for your insurance might exceed the amount of your insurance, depending on when you die.
  • The amount you pay depends on how much cover you take out and your age and smoker status at the time of application.
  • If any payment remains unpaid, your cover may be at risk.
  • Inflation will reduce the spending power of any money paid in the future.
  • If you're purchasing this insurance to cover your funeral expenses, it may not provide enough money to cover the full cost.
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