Family on the beach

Over 50 Life
Insurance

As an existing customer you'll get 10% extra cover.

Over 50s Plan Details

Why get Over 50s Life Insurance with L&G?

Our Over 50s Life Insurance could be an affordable way for you to leave some money for your loved ones after you die. It could be used to help settle unpaid bills, as a gift or to help towards the cost of a funeral.

We've been protecting families for 189 years, so when taking out Over 50s Life Insurance it really pays to go with experts you can trust. 

As an existing customer you'll get 10% extra cover. Also as a thank you, you'll get a choice of £75 Gift Card after you take out cover T&C’s apply. The 10% extra cover isn't available if your existing L&G policy is one of our Over 50s products. 

Benefits of our Over 50s Life Insurance

*Guaranteed acceptance and no medical

For UK residents aged 50-80. Full cover after one year.

Fixed premiums from £5 a month

Premium is dependent on your age and smoker status.

Loved ones receive a payout when you die

Over 50s Life Insurance welcome gift card

Receive a £75 gift card after you take out cover.

Restrictions apply, see www.amazon.co.uk/gc-legal

Call for a free quote

0808 303 3622

8:30am to 8pm Monday to Friday
9am to 1pm Saturday
We may record and monitor calls

Cover details

Over 50 Life Insurance - at a glance

  • Premiums from £5 to £75 a month, depending on your age and smoker status. Choose a premium you can afford to give a cash sum that meets your needs.
  • Full cover payable after just one year. If you pass away within the first year, we will refund any premiums paid. However, if you die as a result of an accident then full cover will be paid.
  • Guaranteed acceptance with no medical for UK residents aged 50-80. There may be other products available if you want to answer further lifestyle and medical questions.
  • Your premiums won’t go up once you’ve taken out Over 50s Fixed Life Insurance.
  • Your cover will continue for the rest of your life, even though you stop paying premiums at age 90.
  • Flexibility to reduce your premiums if you’ve had your plan for a year and your circumstances have changed you have the option to reduce your premiums. The minimum premium applies.
  • You can have more than one Over 50s plan with us, so long as the total cash sum value across all Legal & General Over 50s Life Insurance plans doesn’t exceed £10,000. It’s important to note that if you already have an existing plan taken out on or before 25 November 2017 please refer to your Policy Terms & Conditions for your total sum assured value.

Things you need to know

  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • This is not a savings or investment product and has no cash value unless a valid claim is made.
  • If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
  • The cash sum is fixed, so inflation will reduce it's buying power in the future.
  • Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.
  • If you choose to reduce your premiums, your cash sum will also be reduced. 

Please read the key documents before your apply

If you are an existing customer please refer to your policy documents for details of your cover.

Call for an Over 50s Life Insurance quote

0808 303 3622

8:30am to 8pm Monday to Friday
9am to 1pm Saturday
We may record and monitor calls

Why get Over 50 Life Insurance with L&G?

As an existing customer you'll get 10% extra cover and a choice of £75 Gift Card after you take out cover T&C’s apply. The 10% extra cover isn't available if your existing L&G policy is one of our Over 50s products.

Defaqto 5 Star Rated

5 Star Defaqto rated cover, the highest rating possible!

100% of claims paid

Most in 1 day.

Wellbeing Support

We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service. Offering phone-based services to support your mental health and wellbeing.

Care Concierge

Free access to our team of Care Experts, this confidential and impartial service can help you or loved ones navigate adult and later life care. Find out more

Supporting benefits

Wellbeing Support service

We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

 

  • Dedicated support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
  • Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
  • Get the help you need. You don't need to claim on your policy, you can simply get in touch with your nurse directly.

Care Concierge

Care Concierge is personal service to help understand and find adult and later life care. There's a lot to consider when looking for care, and it's important that you or your loved one get the support they need.

 

  • With free access to our friendly team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones navigate adult and later life care.
  • Available to the policyholder, their partner, children and parents.
  • Tailored 1:1 impartial advice. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.

Call for an Over 50s Life Insurance quote

0808 303 3622

8:30am to 8pm Monday to Friday
9am to 1pm Saturday
We may record and monitor calls

Offer Terms and Conditions

Existing customers receive 10% extra cover plus a £75 gift card after taking out our Over 50s Fixed Life Insurance. Please read the following terms and conditions before you apply.

  • This offer is only available to customers who take out Legal & General Over 50s Fixed Life Insurance by post or via the telephone.
  • You will be eligible for your gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date. A letter or email will be sent to you with details of how to redeem your gift card, please allow up to 60 days for delivery of this communication. Once you have chosen your gift card it cannot be changed.
  • This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy Legal & General Over 50s Life Insurance via a Cashback website.
  • This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’t www.legalandgeneral.com, such as a comparison site, you will not be eligible for this offer.
  • If you have previously held and cancelled Legal & General Over 50s Life Insurance within the last 18 months, you will not be eligible for this offer.
  • Legal & General reserves the right to cancel your Legal & General Over 50s Fixed Life Insurance or your eligibility for a gift card should we discover or have a reasonable suspicion  that the terms and conditions of this offer are being abused.
  • This offer is limited to one e-Gift card per policy sold.
  • You have twelve months from your policy start date to claim your gift card or you will not be eligible for this offer.
  • 10% additional cash sum applies to existing customers who already have a Legal & General policy, when calling 0800 316 0653 Existing Over 50s Life Insurance customers are not eligible for this offer.
  • No cash alternative will be offered.
  • This offer cannot be used in conjunction with any other discount or offers.
  • Legal & General reserve an absolute right to amend and/or withdraw any offer at any time.


Amazon Gift Card restrictions apply, see www.amazon.co.uk/gc-legal