Over 50s Life Insurance

• 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 our 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 and conditions for your total sum assured value.

• 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.

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