Over 50 Life
Insurance

Leave loved ones a cash sum towards
funeral costs or as a small gift.

It really pays to go with the experts you can trust. We're the UK’s No.1 Life Insurance provider¹ and have been protecting families for over 180 years. So we know a thing or two about Over 50s Life Insurance.

Some great reasons to choose us:

100% of claims paid – most in 1 day
Premiums from £5 per month depending on age, that's £1.15 a week
Fixed premiums – they’ll never go up and your cover won’t go down
Guaranteed acceptance – with no medical questions asked
Full cover after just one year – immediate cover for accidental death T&Cs apply
5 Star Defaqto rated cover, the highest rating possible!
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 whose registered nurses can provide you with a wide range of wellbeing services Find out more
Care Concierge. Free access to our team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones understand and find later life care. Find out more.

Why Over 50s Life Insurance?

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 can help contribute towards funeral costs or to simply leave as a gift.

It only take a few minutes to get cover, so waste no time and get a quote today.

Your cashback - Frequently asked questions

TopCashback logo

To be eligible for cashback your application must be completed online via TopCashback
Your cashback amount is based on your monthly premium, ensure your cover is affordable and meets your needs
You can track your cashback via the Topcashback website
Once you have paid 6 monthly payments in 6 consecutive months your cashback is processed by Topcashback and should be paid within 4-10 weeks
For queries regarding cashback please refer to TopCashback directly and complete a cashback query form. Legal & General are unable to deal with queries directly.

Terms and conditions apply.

Cover details

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. 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. 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.

What is Wellbeing Support?

The wellbeing of our customers is extremely important to us and that’s where Wellbeing Support comes in. We’ve partnered with RedArc Assured Limited, whose registered nurses can provide you with a wide range of wellbeing services. Here's some quick facts about our Wellbeing Support.

Dedicated support

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.

Get the help you need

You don’t need to make a claim on your policy to get the help you need, you can get in touch with your nurse directly.

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

Care Concierge

If you think that you or someone you know might need care, it can be difficult to know where to start looking or what your options are. Care Concierge is a confidential telephone advisory service that can help you understand and find later life care. 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.

Access to experts in later life care

Available to the policyholder, their partner, children and parents.

Tailored 1:1 impartial guidance.

Take a look at our dedicated Care Concierge page to find out more

Why choose Legal & General

The UK's No.1 Life Insurance Provider

¹Based on new individual Life Insurance sales in 2023, Term & Health Watch report 2024, Swiss Re.

Expert rated

5 Star Defaqto rated cover, the highest rating possible!

Protecting families like yours for over 180 years

We’ve been around since 1836 and are one of the UK’s leading financial services companies.

Ready to get an Over 50s Life Insurance quote?

Get a quick quote

It's simple and easy to apply.

Offer Terms and Conditions

Please read the following terms and conditions before you apply.

This offer is only available to customers who take out a Legal & General Over 50s Fixed Life Insurance Plan online today via TopCashback.
You will be eligible for your cashback six months after your policy start date, provided you haven't cancelled your policy and your payments are fully up to date.
If you purchase a Legal & General Over 50s Fixed Life Insurance Plan via a Cashback website, you will not be eligible for any other Legal & General Over 50s Life Insurance offer.
If you have previously held and cancelled a Legal & General Over 50s Life Insurance Plan 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 Plan policy or your eligibility for cashback 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 cashback reward per policy sold.

Over 50 LifeInsurance