Questions

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Do I need a medical?

Over 50s Fixed Life Insurance plan offers 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.

Can my partner take out cover as well?

Your partner can also apply for a plan providing they are aged 50 to 80 and a UK resident and reside in the UK for at least 183 days per calendar year. However, as the plans are set up individually, they cannot be held in joint names.                 

Will my premiums ever go up?

No, your premiums won’t go up for our Over 50s Fixed Life Insurance plan.


Please be aware if you stop paying premiums when due, your plan will be cancelled and you won't get anything back.                 

Can I cash in my plan?

Our Over 50s Fixed Life Insurance plan is not a savings or investment product and have no cash value unless a valid claim is made.                 

What is the Funeral Benefit Option?

The Funeral Benefit Option will provide £300 on top of your cash sum amount when your plan is used to help contribute towards your funeral costs with a Dignity Funeral Director, at no extra cost to you.
With this option, the cash sum from your plan is paid directly to an agreed Dignity Funeral Director, rather than to your estate. When the time comes, your family simply make one phone call to Dignity to set the plan in motion saving them the worry of finding a funeral director. Find out more about the Funeral Benefit Option.                

How many plans can I take out?

Please ensure the total cash sum of all Legal & General Over 50s Life Insurance plans does not exceed £10,000. For existing plans taken out before 25 November 2017 please refer to your Policy Terms & Conditions for your total sum assured value.                 

What needs to be done when making a claim?

In the event of a claim, please call or write to us. Read more about our claims process.