Over 50s Life Insurance

Why get Over 50s Life Insurance with Legal & General?

Our Over 50s Fixed Life Insurance offers guaranteed acceptance for UK residents aged 50 – 80, to provide your family with a fixed cash sum after you die. This could be used to help contribute towards funeral costs or to simply leave as a gift.

We are the UK’s No.1 Life Insurance provider¹ and have been protecting families for over 180 years.

Some great reasons to choose us:

10% extra cover – as you’re a Legal & General shareholder
Guaranteed acceptance – with no medical questions asked
Fixed premiums – they’ll never go up and your cover won’t go down
Full cover after just one year – immediate cover for accidental death. T&Cs apply
100% of claims paid – most in 1 day
Wellbeing Support. We want to help look after your wellbeing throughout the lifetime of your policy, that’s why we’ve partnered with RedArc Assured Limited and their highly experienced registered nurses who can arrange practical support and assistance. Find out more

It only takes a few minutes to get cover, so waste no time and get in touch today.

Over 50s Fixed 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. However, it’s important to note that there may be other life insurance products available, which are more suitable and affordable if you are happy to answer health 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. The minimum premium applies.
You can have more than one Over 50s Life Insurance 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 its 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 you apply.

Getting your additional 10% extra cover

Call us on 0800 107 6830 quoting SHO50, to get your 10% extra cover.

This offer applies to new policies purchased over the telephone

Opening times:

Monday to Friday 8:30am - 8pm
Saturday 9am - 1pm

We may record and monitor calls.

Over 50s Life Insurance

Why get Over 50s Life Insurance with Legal & General?

Some great reasons to choose us:

Take a look at our dedicated Wellbeing Support hub and find out more.

Why choose Legal & General

The UK's No.1 Life Insurance Provider

Expert Rated

Protecting families like yours for over 180 years

Getting your additional 10% extra cover