Avoid the life insurance lock-in!
British Seniors® are the only provider in the UK to give you the option to cash in your over 50s life insurance policy.
The unique Cash In option means you don’t have to be locked in for life! We know circumstances change, so you can Cash In your policy from age 80 or after 15 years, whichever is later - you'll get 50% of your benefit amount as a lump sum. If you have chosen to cash in, your policy will end.
A helping hand for your loved ones
Over 50s life insurance is there for your loved ones when you can’t be. It provides a financial helping hand to help towards funeral costs, outstanding debts, or just towards leaving your loved ones a gift.
You want to take out a policy to help protect your family from financial debt after you’re gone, but the reality of being locked into a policy for life can be daunting.
Policies start from as little as £3.72, that's just 13p a day! So don't miss out, get your quote today.
Your policy, your choice
You can choose a benefit amount from £1,000 up to £20,000 (depending on your age), and your policy also gives you the following choices:
We're able to approve payment within days of receiving a claim, so you can have peace of mind knowing that we'll be there when your loved ones need us.
Benefits of this policy:
Things to consider:
You can choose a benefit amount that suits your needs and budget, from £1,000 up to £20,000.
Depending on your age, the maximum benefit amount you can select is:
Your premiums will depend on your age at the start date of the policy and will be fixed and guaranteed not to change.
Fixed premiums are great for people who want certainty, knowing that your increasing age will not affect the amount you pay towards your over 50s insurance plan.
Plus you'll get free cover from the policy anniversary following your 95th birthday and your cover will continue for life. You'll be covered anywhere in the world and if your health or lifestyle changes, your over 50s life cover will not be affected.
If you choose the Cash In Option, this will give you 50% of your benefit amount if you decide to cancel your policy from age 80 or after 15 years, whichever is later.
Guaranteed Acceptance - no medical, no health questions
You can't be turned down for Over 50s Life Insurance as long as you are a UK resident aged 50 to 80, and you can be covered over the phone or online in minutes.
Immediate cover for accidental death
As soon as your policy is set up, you'll be covered for accidental death. For the first 24 months, a benefit amount will only be paid in the event of accidental death.
You will be covered for death by any cause after just 24 months.
If you die as a result of an accident anytime during your policy, we will pay out 3 times your selected benefit amount. This means if you select a £10,000 benefit amount and you die as the result of an accident, we will pay out £30,000.
Over 50s life cover for you and your partner
You can take out a single policy on your own life, or you can choose a joint policy to include your partner.
Our joint policy allows you to choose different benefit amounts for you and your partner if you purchase your policy over the phone. This means that both benefit amounts could be paid out to your loved ones.
Cover is free from the policy anniversary on or following each life insured’s 95th birthday.
Over 50s Life Insurance
The features, benefits, exclusions and limitations of Over 50s Life Insurance with Cash In Option can be found in the Key Facts documents below. It is important that you read this document carefully to help you decide whether this policy is suitable for you. The Key Facts document also contains a copy of the policy Terms and Conditions.
How to buy British Seniors Over 50s Life Insurance with Cash In Option
With British Seniors Over 50s Life Insurance with Cash In Option, you are investing in peace of mind by helping to provide your family with financial support. Our fully trained life insurance specialists can arrange your policy over the phone, or you can get a quote and buy online in a matter of 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 you are happy we will take your application further so you can be covered immediately for accidental death, plus cover for death by any cause after 24 months. All you will need are your direct debit details. Or, you can get a quote and cover straight away online.