Over 50s Life Insurance Overview

Who can apply?
UK residents aged 50 to 80.
How much cover can I get?
£1,000 up to £20,000 depending on your age.
Do I need to answer any health or lifestyle questions?
No - there are no forms to fill in or questions about your health and lifestyle.
Do I need a medical or to visit my GP?
No - there are no medicals or health questions and we will not contact your doctor when you apply.
Am I covered for death by any cause?
Yes - after your policy has been in force for 24 months.
Am I covered for accidental death?
Yes - you are covered for accidental death from day one, and if death is the result of an accident, then 3 times your benefit amount will be paid.
Can I add a partner to my policy?
Yes - you can apply with your partner under a joint policy.
Does my policy have a cash-in value?
You can choose to Cash In your policy which gives you 50% of your benefit amount before you die, provided you’re 80 or after 15 years, whichever is later. There is no cash in value before this date
Am I covered for my whole life?
Yes - as long as premiums are paid when due. If you choose to take the Cash In amount, your cover will end.
Is the policy flexible e.g. can I increase or decrease my benefit amount?
Yes - you can apply to make changes to your policy.
Will my premiums ever go up?
No - your monthly premiums are fixed and do not change over time. This means that your benefit amount may not keep up with inflation.