Over 50 Life Insurance Reviews

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Our Over 50 Life Insurance is a simple way to leave your loved ones money when you die, as a gift or to help pay for your funeral.

We think we deliver great service and insurance for our customers, but don't take our word for it. Read the reviews for our Over 50 Life Insurance from real customers.

Six reasons customers love us - pile of liquorice sweets

Six good reasons customers love Royal London Over 50 Life Insurance

  • Payment Holidays- Take a break from paying for up to 6 months. After your first year, you can have a break from making your monthly payments for up to six months - and still stay insured. Not all providers let you do this. You'll have to make up the missed payments or reduce your payout amount after your payment holiday finishes. 
  • Fixed monthly payments - so you know exactly what you're paying each month into your policy
  • Flexible application. Apply online, by phone, or by post - we make it easy
  • Guaranteed acceptance - for UK residents aged 50-80 (for our Over 50 Life Insurance)
  • Trusted -  We are a Feefo Platinum Trusted Service award partner
  • In it for the long term – we've been helping and protecting our customers since 1861. And as the UK biggest mutual insurer**, you can be sure we'll be here when your family need us most

Two million policy holders trust us to protect their families.*

*Based on Royal London life policies as at September 2021

**Based on total 2017 premiums. ICIMF Global 500 2019

Important things to know

Our Over 50 Life Insurance only pays out on your death – it can’t be cashed in at any time.

If you have to stop paying before you're halfway through, your insurance will end and you'll get nothing back.

In the first 12 months we will not pay out the full amount of money, unless you die from an accident that’s covered by the policy.

Depending on how long you live, you could pay more in than we pay out.

Over time, inflation will reduce the value of the payout amount.

This insurance may not pay out enough for all your funeral costs.

You can have up to two payment holidays during your policy - only one can be taken within any twelve month period. At the end of the payment holiday, you'll have to make up the missed payments or reduce your payout amount.