Exclusively at British Seniors®

The Lifetime Payback Guarantee®

British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee® pays a lump sum payment in the event of your death.

With the Lifetime Payback Guarantee®, the lump sum payment will always be the greater of the cover amount or the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount).

This means that you can be rest assured knowing that you, or your loved ones, will never get back less on death than the premiums already paid in.

Guaranteed Acceptance

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.

Benefits

  • £2,000 to £20,000 benefit amount depending on your age
  • We guarantee that your cover amount will never be less than the amount you have paid in
  • For all UK residents aged 50 to 79
  • Immediate insurance cover for accidental death
  • After 24 months you are covered for death by any cause
  • Triple benefit for accidental death up to £60,000 depending on your age
  • No forms, no health questions, no medical

Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion
  • For the first 24 months, you will only be covered for accidental death

About this cover

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 to 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:

  • Ages 50 to 54 – up to £20,000
  • Ages 55 to 59 – up to £17,000
  • Ages 60 to 64 – up to £13,000
  • Ages 65 to 69 – up to £12,000
  • Ages 70 to 74 – up to £9,000
  • Ages 75 to 79 – up to £6,000

 

Up to £60,000 in the event of accidental death, or £20,000 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 £20,000 life insurance benefit.

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 24 months

During the first two years your Guaranteed Over 50s Life Insurance is in force, a benefit will only be paid in the event of accidental death. Should you pass away due to a non-accidental death in the first two years, we will refund any premiums paid towards your individual cover.

 

Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion
  • For the first 24 months, you will only be covered for accidental death

 

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 Over 50s Life Insurance with the Lifetime Payback Guarantee® 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 gift to your loved ones.

Single or Joint plan options

You can apply for a single plan, or a joint plan which includes your spouse, civil partner and/or common law partner.

Insurance from a trusted provider

Cover is provided by Scottish Friendly Assurance Society Limited.

British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee® 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 over 50s Life Insurance.

This document also contains a copy of the British Seniors 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:

  • you are aged between 50 and 79; and,
  • you are a UK resident.

 

Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion
  • For the first 24 months, you will only be covered for accidental death

You can apply for a Single Plan on your own life (key life insured) or you can apply to include your spouse, civil partner and/or common law partner (partner life insured) under your policy (joint plan).

You (and your partner life insured, if applicable) must be United Kingdom Resident/s between 50 and 79 years of age.

Providing you meet these eligibility criteria, we guarantee to accept your application for British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee®.

You can arrange cover simply over the phone on 0800 995 1001 now.

Have you ever considered who would be responsible for your funeral costs if you were to pass away, or how your loved ones may cope financially when you are not around?

That’s why for a plan to help take care of your funeral expenses could be one of the most important decisions you make.

Securing cover early ensures the financial help will be there for your loved ones and it allows your family to give you the funeral service and memorial that you would both like.

British Seniors Insurance Agency offers insurance that’s low cost and easy to get. You can now help protect your family from the financial burden of your funeral and other unexpected costs, in one easy phone call.

Once your Over 50s Life Insurance is in place you can keep it for life and you’ll be covered anywhere in the world, 24 hours a day. Your health and circumstances may change, but as long as you continue to pay your premiums, your Guaranteed Over 50s Life Insurance can continue for life.

Call 0800 995 1001 for more information and you could be covered today!

The Accidental Death Insurance benefit amount will be paid if you suffer an accidental death.

The Life Insurance benefit amount will be paid if you die from any cause after 24 months from the start date of the policy.

Typically this product is suited to those who want to make sure they do not leave their family and loved ones with the burden of their funeral and other final expenses, when they pass away.

During the first 24 months from the start date of the policy, a benefit will only be paid if the life insured's death results from an accident. Thereafter a benefit is paid for death by any cause. Should you pass away due to a non-accidental death in the first two years, we will refund any premiums paid towards your individual cover.

No-one knows what lies around the corner, whether it’s accident or illness, and securing cover early ensures the protection is there when needed.

You can select a cover option that suits your needs and budget, from £2,000 through to £20,000 benefit (depending on your age). The maximum benefit amount for a life insured under the policy at the start date is:

  • Ages 50 to 54 – up to £20,000
  • Ages 55 to 59 – up to £17,000
  • Ages 60 to 64 – up to £13,000
  • Ages 65 to 69 – up to £12,000
  • Ages 70 to 74 – up to £9,000
  • Ages 75 to 79 – up to £6,000

In the first 24 months benefit is paid only in the event of accidental death, thereafter a benefit is payable on death by any cause.

If death is the result of an accident, then three times the benefit amount will be paid, or if greater, the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee amount). This means if you have 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.

No, and there are no intrusive questions about your health and lifestyle, and we will not contact your doctor when you apply.

Accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Accidental death means death occurring as a direct result of an accident which took place while the life insured was covered under the policy and where death occurs within 90 days of the accident.

We will pay three times the benefit amount, or if greater, the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount).

 

If you meet the eligibility criteria below, you won’t be turned down, and you won’t be asked a single question about your health or lifestyle when you apply.

You (and your partner) can apply for British Seniors Over 50s Life Insurance with the Lifetime Payback Guarantee® as long as you are United Kingdom residents aged between 50 and 79.

 

Absolutely. Once your British Seniors Over 50s Life Insurance is in place, you are covered around the clock, anywhere in the world.

When you apply for your Over 50s Life Insurance with the Lifetime Payback Guarantee®, you will be provided with a quote. Your quote will depend on the amount of cover, your age and whether you have a single or joint plan.

Level policy type – How does it work?

Our Level 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. As long as you are paying your premium:

      • You will be covered for the whole of your life; and
      • We guarantee that your cover amount will never be less than the amount you have paid in

With the Level premium option, it is important to note that the value of the benefit amount you choose at the start of the policy, may not keep up with inflation. So, if you are planning to leave your benefit amount to pay for funeral expenses, its value may not keep up with funeral cost inflation.

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

There are 3 ways for your family to make a claim in the event of your death:

  • Call us FREE on 0800 542 7618
    Monday - Friday from 9am to 7pm
  • E-mail us at service@britishseniors.co.uk
  • Write to us at: British Seniors Insurance Agency, Landmark Place, Windsor Road, Slough, Berkshire, SL1 1JL.

We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the benefit amount to the person who is legally entitled to it and they will refund any premiums paid between the date of death and the date the claim is paid.

You can put your British Seniors Over 50s Life Insurance policy into trust after you take out the policy. If you are thinking about putting your policy into trust you can get more information here, download a Trust form or you can seek independent legal advice. We are unable to give you any advice or recommendation on the suitability of Trusts.

With British Seniors 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 specialists will give you a quick no obligation quote and if happy we will take your application further so you can be covered immediately for accidental death. All you will need are your direct debit details.

 Get a call back »

  

Get a quote and buy online. Simply fill in our quick and easy online form to determine your premium. If you are happy with the premium amount, continue with the application and you can be covered immediately for accidental death. All you will need are your direct debit details.

 Get a quote and buy online »

 

The following will apply regardless:

  • No medical exam, no blood test
  • No complicated forms to fill in
  • No intrusive health questions

Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • For the first 24 months, you will only be covered for accidental death
  • If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion

With the Lifetime Payback Guarantee®, the lump sum payment will always be the greater of the cover amount or the total premiums that have been paid towards a life insured’s cover (the Lifetime Payback Guarantee® amount). This means that you can rest assured knowing that you, or your loved ones, will never get back less on death than the premiums already paid in.

With British Seniors 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 specialists will give you a quick no obligation quote and if happy we will take your application further so you can be covered immediately for accidental death. All you will need are your direct debit details.

 

 Get a call back »

 

Get a quote and buy online. Simply fill in our quick and easy online form to determine your premium. If you are happy with the premium amount, continue with the application and you can be covered immediately for accidental death. All you will need are your direct debit details.

  

 Get a quote and buy online »

 

Benefits of our products:

  • No medical exam, no blood test
  • No complicated forms to fill in
  • No intrusive health questions
  • Your cover amount will never be less than the amount you have paid in

 

 Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • If you reduce your benefit amount, your Lifetime Payback Guarantee® amount will be reduced by the same proportion
  • For the first 24 months, you will only be covered for accidental death