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Over 50s Life Insurance

It may seem harder to get life insurance as you get older, but there are still policies available that could give you peace of mind. An Over 50s life insurance plan pays out a guaranteed fixed lump sum when you die, helping your loved ones when you are not with them anymore.

Over 50s life insurance is a type of life cover you can take out between the ages of 50 and 80.
Over 50s life insurance is a type of life cover you can take out between the ages of 50 and 80.

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How does it work?

It functions like any other sort of life insurance: you pay a monthly payment, and your insurer pays a lump sum to anyone you named on your policy when you die. The funds might be used for funeral expenses, debt repayment, or simply as a gift to your family and loved ones. Regardless of your age, most over 50s policies require you to pay your premiums until you die.

Who can apply?

There are only a few requirements to get this type of life cover. You need to be aged between 50 and 80 and live in the UK. The insurance company will accept your application without questions about your financial status and health situation. You will typically be asked if you’re a smoker.

This type of life insurance guarantees acceptance even if you have had medical issues.

Over 50's policy.
Over 50's policy.

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How to choose the right Over 50s policy?

If you’ve decided that Over 50s life insurance is the right choice for you, you should compare all the plans available and choose the one that best suits your needs. Most Over 50s plans are similar, but different insurers have different terms and conditions when it comes to what they will and won’t payout in the event of your death.

Some providers also have policy exclusions that mean you will not get a pay-out if you die under certain conditions, for example, suicide or drug abuse. That’s why it’s important to weigh up the pros and cons of all the various types of Over 50s life insurance policies available before choosing which one is right for you.

Please contact us if you have any questions regarding Over 50s life insurance and need professional advice.

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Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Conveyancing services and some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts
secured on it.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Conveyancing services are not regulated by the Financial Conduct Authority.

Extend Finance nor The Right Mortgage Limited can’t provide advice regarding Personal Pensions, Pension planning or investment planning advice. You must seek independent financial advice from a suitably qualified professional financial adviser who may charge you for advice.

Wills, Will writing, Trusts and Trust planning are not regulated by the Financial Conduct Authority.

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