Full cover after one year.

Your loved ones could get a cash sum after just one year. It could be used as a gift to your family, help contribute towards funeral costs or maybe towards unpaid bills. 

Over 50s Life Insurance Plans.

The Fixed Plan


The Fixed Plan pays out a cash sum if you die after one year of taking out the plan. The monthly premiums are fixed, so you'll always know how much you're paying.

 

  • Guaranteed acceptance to UK residents aged 50 to 80
  • Premiums start from only £8 a month depending on your age - see how we compare
  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • Inflation will reduce the buying power of your cash sum in the future.

The Increasing Plan


The Increasing Plan pays a cash sum if you die after one year of starting the plan. The cash sum is reviewed each year to help protect against future inflation.

 

  • Guaranteed acceptance to UK residents aged 50 to 80
  • Premiums start from only £8 a month depending on your age - see how we compare
  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.


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Our gift to you

 
Free £75 M&S voucher!

 

Why choose us?

  • Service you can rely on - with UK call centres and friendly staff
  • A provider you can trust - we're one of the UK's leading financial services companies
  • £1000 minimum cash sum - payable after just one year should you die

 

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Compare our plans

Compare our Fixed Plan and Increasing Plan side by side to see which one best suits you and your needs.

Why choose us?

Find out why we believe you should choose us for your Over 50s Plan.

Over 50s frequently asked questions

We’ve developed a list of FAQ’s that relate to our Over 50s Plans. Get the answers to your questions!