Prepare for the future, whatever it holds
British Seniors Over 50s Life Insurance pays a lump sum benefit in the event of your death.
This can help ease the financial burden of your funeral and other final expenses for your family should the worst happen and you were to pass away.
One way to prepare, is to take out life insurance cover for over 50's from British Seniors Insurance Agency. With British Seniors Guaranteed Over 50s Life Cover, you are investing in peace of mind.
If you (and your Partner Life Insured, if applicable) meet the basic eligibility criteria of being a UK resident aged between 50 and 79, you won’t be turned down, and you won’t be asked a single question about your health or lifestyle.
The British Seniors Guaranteed Life Insurance for over fifties plan also extends cover to your family. You can insure your financially dependent children until they reach age 21, as long as they are also United Kingdom residents.
Funerals and final expenses can be a very costly time. With British Seniors Guaranteed Over 50s Life Insurance your chosen benefit is paid to your loved ones, so your funeral arrangements do not end up adding stress for your family, at a difficult and emotional time. The benefit can also be used as a cash sum gift that can go into your loved ones.
Guaranteed Acceptance - no medical, no blood test
You can't be turned down for Guaranteed Over 50s Life Insurance as long as you are a UK resident aged 50 to 79, and you can be covered over the phone or online in minutes.
Choose a benefit amount to fit with your needs and budget, depending on your age:
Up to £45,000 in the event of accidental death, or £15,000 for death by natural causes (depending on your age)
If you are aged up to 54, you can select a cover option from £2,000 up to £15,000 life insurance benefit. If you are aged 55 to 79, you can select a benefit amount up to £10,000.
If death is the result of an accident, then three times your selected life insurance benefit will be paid. This means, if you select a £10,000 life insurance benefit, and you die as the result of an Accident, the benefit payable to your loved ones would be £30,000.
Full Cover after 12 months
After the first year of holding the policy, you'll be covered for death by any cause. During the first year your Guaranteed Over 50s Life Insurance is in force, a benefit will only be paid in the event of accidental death.
Things to consider
Arrange cover easily over the phone 0800 995 1001 or online in minutes.
You will also get a legal will kit with your new policy to help plan your final wishes.
British Seniors Guaranteed Over 50s Life Insurance pays your chosen benefit amount to your loved ones in the event of your death. It can be used to help pay your final expenses, such as your funeral and outstanding debts, or to leave a small gift to your loved ones.
We know that everyone has different needs, so we have two flexible policy types to choose from, which can be kept for the rest of your life; age based premium or level premium.
With an age based policy, your premium is based on the age of the eldest life insured and it also features a 5% automatic annual increase to your chosen benefit amount for ten consecutive years from the start date of your policy (which you can opt out of if you wish).
The level premium policy is great for people who want certainty, knowing that their increasing age will not affect their monthly premium – it will stay the same each year. However, the 5% automatic benefit amount increase is not available on a level policy, so your chosen benefit amount will stay the same. It is therefore important to note that the value of the benefit amount you choose at the start of the policy, may not keep up with inflation.
The Age Based policy features a 5% automatic annual increase to your chosen benefit amount for your life insurance and any optional cover you have. It is applied automatically to your policy on your policy anniversary each year; for 10 consecutive years from the policy start date; or up to and including age 74, whichever is sooner.
For example, a benefit amount of £2,000 will increase by 5% to £2,100 after the first policy anniversary and will reach £3,000 after 10 years. As shown in the chart below.
If you are planning to leave your benefit amount to pay for funeral expenses, this gradual increase in benefit amount can help protect from the effects of inflation.
You will be sent a new schedule each year, which will show your new monthly premium recalculated based on age and the new benefit amount. At this point you have the flexibility of deciding to accept the increase, in which case you wouldn't need to do anything, or you can let British Seniors Insurance know if you wish to opt-out of it. If you change your mind, you can still opt back in to the 5% benefit amount increases within the eligible period, whatever suits your needs best.
You can apply for a single plan, or a family plan which includes your spouse, civil partner and/or common law partner, plus your financially dependent children until they reach age 21. There is no limit on the number of financially dependent children you can include on your family plan.
Cover is provided by Scottish Friendly Assurance Society Limited.
For greater peace of mind, as long as you (and/or your Partner Life Insured) are aged between 50 and 69 years of age and are United Kingdom residents, you can also add on optional Accidental Serious Injury cover to your Guaranteed Over 50s Life Insurance Policy.
Accidental Serious Injury Cover pays a lump sum benefit if you suffer a serious accidental injury resulting in Blindness, Deafness or Total and Permanent Loss of Use of Two Limbs.
The benefit amount is equal to three times the sum insured on your Guaranteed Over 50s Life Insurance plan – and all those insured under your policy will be covered for the same amount.
Plus everyone who is insured under your Guaranteed Over 50s Life Insurance Policy will be covered.
British Seniors Guaranteed Over 50s Life Insurance is subject to a number of exclusions and limitations. These are also detailed in the Key Facts document. You should ensure you understand these before taking out the insurance.
This document also contains a copy of the British Seniors Guaranteed Over 50s Life Insurance Terms and Conditions. You should read these carefully, so that you can be sure the insurance is suitable for you.
You (and your partner) are guaranteed acceptance for this insurance provided:
Things to consider
With British Seniors Guaranteed Over 50s Life Insurance, you are investing in peace of mind by helping to provide your family with financial support. Our fully trained life insurance specialists can get your policy arranged for you over the phone, or you can even get a quote and buy online in a few minutes.
Call FREE on 0800 995 1001 or get a call back by clicking on the button below.
Our UK based customer service specialist will give you a quick, no obligation quote. If you are happy with your quote, you can agree to purchase your policy. All you will need are your direct debit details.
Get a quote and buy online by clicking the button below. Simply fill in our quick and easy online form, which will calculate your premium. If you are happy with your quote, you can continue with the application and purchase your policy. All you will need are your direct debit details.