Over 50s
Life cover designed for the over 50s
Guaranteed acceptance for UK residents aged 50 to 80. No medical exam and no health questions — just fixed monthly premiums and a cash lump sum for your family.
What is over 50s life insurance?
Over 50s plans are a type of whole of life cover. Your acceptance is guaranteed if you live in the UK and fall inside the age range — usually 50 to 80.
Things worth knowing
- There's typically a one to two year waiting period. Die of natural causes in that time and the insurer usually refunds premiums instead of paying the full amount.
- Over the long term, total premiums may exceed the cash sum — it's insurance, not investment.
- Payouts are usually used for funeral costs, small debts, or a modest legacy.
Is it right for me?
Over 50s cover is a good fit if you can't easily get standard life insurance, or you want peace of mind that your family won't be left with the bill. Our advisers can help you weigh it up.
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