demo3.wealthyadvisersclub.co.uk
Guaranteed cover, no medical
Over-50s life insurance is a simple, guaranteed-acceptance policy that pays a fixed cash sum when you die. It is often used to cover a funeral or leave a little something behind, with no health questions and cover for life.
Clear about the trade-offs too
Peace of mind, simply
A set sum that helps with a funeral or leaves a gift, arranged without fuss.
The honest caveats
There is usually a short initial period before full cover, and over time you can pay in more than the payout.
The right fit check
For some people, standard life cover is better value. We tell you honestly which suits you.
Simple by design
You pay a fixed monthly premium and your family receives a set lump sum whenever you pass away. Acceptance is guaranteed for UK residents in the age range, so there are no medicals and no awkward questions.
- Guaranteed acceptanceIf you are a UK resident in the eligible age range, you are accepted, with no health questions.
- Fixed premium, fixed payoutYou know exactly what you pay and exactly what your family receives.
- Cover for lifeAs long as you keep paying, the cover continues for the rest of your life.
Questions we hear a lot
Correct. Over-50s plans offer guaranteed acceptance for UK residents within the age range, so there is no medical and no health questionnaire.
It is possible if you live a long time, since premiums continue for life. We always weigh that against a standard life policy so you choose with your eyes open.
Most plans pay out in full for accidental death from the start and for any cause after an initial period, often one or two years. We explain the exact terms of the plan we recommend.
Handy next steps
Leave something behind, simply
A short call will show what an over-50s plan costs and whether it beats standard cover for you.