Protect Yourself and Your Loved Ones with Over 50s Cover

Over 50s life insurance is aimed at anyone between the ages of 50 and 80, who needs cover to pay for funeral expenses, or leave a gift to their loved ones.

Over 50s insurance is competitively priced – policies start at as little as £10 a month. There are often no medical questions during the application – you just need to be over 50 to get cover, making this ideal for anyone with pre-existing conditions or a more complex medical history.

Over 50s life insurance is a whole of life type insurance policy – as long as you make your payments, your loved ones are guaranteed to receive a payout. Many providers won’t ask you to pay your premiums after the age of 90 – meaning that you’ll have life cover for free once you reach a certain age.

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4 key things to keep in mind when preparing for your quote...

Your Health

Your health plays a significant role in your life insurance application. Insurers typically require applicants to undergo a medical examination or provide detailed health information to assess their risk profile.

Your Occupation

Now we know a bit more about you and what you want, we’ll search our panel of lenders for the right mortgage. We’re a whole of market broker, which means we’re not tied to one particular lender and have access to the best products from a range of banks, building societies and specialist lenders.

Your Age

Having found the right mortgage for you, we’ll talk you through it and explain all the features and benefits and how it meets your needs.

Your Lifestyle

Our dedicated team  will be with you all the way through the process – from application to completion. Here for whatever you need, whenever you need it.

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FAQ's

Over-50s life insurance is a type of life insurance policy specifically designed for people over the age of 50. There are no medical questions so anyone over 50 and under 80 will be accepted on the plan. As such, this is often a more suitable type of policy for those who have more complex medical histories or who simply choose not to answer medical questions. An over 50s live insurance policy runs from when you take out the policy till you pass away, as long as you make all your monthly payments on time, your beneficiaries will receive a payment in a lump sum.

Over-50s life insurance and Traditional Life Insurance policies have some key differences. Over-50s life insurance has a guaranteed payout as long as you maintain the premiums, no matter what age you pass away. Conversely, with term assurance you are covered for a defined period of time, for example, you may want cover for the duration of a mortgage. With Over 50s insurance, if you live past the age of 90, you no longer need to pay your premiums but the policy will still pay out.

No, there are no requirements for a medical or acceptance when taking out an over-50s insurance policy. With most providers, full cover is payable two years after taking out the policy.

The cost of over 50s life insurance can start from as low as £10 per month, this will depend on your age and the amount of cover you need. Like with any insurance product, the higher your monthly premium the more your beneficiaries will receive in a lump sum when you pass away.

This is down to personal circumstances and how much cover you need. There are different types of life insurance to cover all your needs, they are:

  • Traditional Life Insurance
  • Critical Illness Cover
  • Over-50’s Cover
  • Income Protection
  • Whole of Life Insurance

Each one has different benefits and will come at different costs for the agreed term. Speak to us today to get support in finding the right product for you.

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