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Life Insurance - Protect your loved ones with the right cover
Over 50s Life Cover - Guaranteed lifelong protection
No Medical Exam Cover
Critical Illness Insurance

Guaranteed Life Insurance Over 50

Over 50s Life Cover is offered by vast majority of leading UK insurance providers. The plan is available to UK residents in most cases between 50 to 80 years of age. Although the policies differ in details from one insurer to another the common features include:

  • guaranteed acceptance
  • no medical exam or health questionnaires
  • guaranteed benefit and fixed premiums (some companies do offer "Increasing" policies, where the benefit and the premiums grow to keep up with inflation)
  • full payout after 1 or 2 years from the start of the policy, the waiting period depends on the particular provider
  • refund of all the premiums should you pass away within 1 or 2 years from the start of the plan, the waiting period depends on the particular provider (some providers offer 1.5 times of the premiums back)
  • some polices will provide full benefit if you die from an accident within 1 or 2 years of the plan, depending on the provider. There are also insurers that will provide double the benefit.
  • some policies feature no premium payments after the age of 90, while the cover continues
  • the policy has no cash value; thereby, if you stop paying your premium the cover ceases and you will not get any money back.