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- Over 50 Life Insurance Over 50 Life Insurance
Concerned about the coronavirus?
If you’re a customer, please be reassured that we’re still protecting families, just as we’ve always done, for over 150 years. You can find out more about how we’re doing that in our latest guidance and information on coronavirus.
Not a customer?
Get answers to your questions about our Over 50 Life Insurance and coronavirus.
Good reasons to buy
Set payments
We guarantee they'll never go up
Fully insured
After just one year. Some others make you wait two years.
Guaranteed acceptance - no medical
50 to 80 year old UK resident? You're in!
Compare our Over 50 Life Insurance
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Flexible Payments? |
Payment Holidays? |
Payout Promise †? |
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Provider
Flexible Payments
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Payment Holidays
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Payout Promise †
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Features comparison information was correct on 18th August 2020. Features could change at any time. Ts&Cs of the policies are not the same but each provides insurance that could pay out money when you die.
†If you need to stop paying, your family can still get at least half of the payout when you die, as long as you're at least half way through paying for your policy. That's halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first.
We go better than gold…platinum! We’ve won a Gold Trusted Service award for three years in a row, which now gives us a Platinum Trusted Service award. That makes us very proud to be recognised by Feefo as providing exceptional levels of trusted service. Hear what our customers have to say.
Six good reasons to choose us
Still wondering why you should get our life insurance? Here are a few reasons:
- Flexible payments – If you stop paying altogether you could lose your insurance. With us, you can reduce your monthly payments by bringing down your payout amount, as long as you’re paying at least £3.95 a month.
- Guaranteed acceptance with no medical - for UK residents aged 50-80
- Immediate insurance for accidental death – if you die from an accident in the first year
- Fully insured - after just one year. Some providers make you wait two years
- †Payout Promise – if you need to stop paying, we promise that your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy. That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first
- 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.
Getting a quote takes just a few minutes
Under 50? Don't worry, you may still be able to get our Life Insurance
Frequently asked questions about Over 50 Life Insurance
Whatever your question, we've got you covered.
Our 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.
Choose how much you can afford to pay each month, so you can leave your family money when you die, or to help with your funeral costs. The maximum payout you can get is £10,000. The more you pay each month, the bigger the payout your family could get.
Wondering how much insurance you can have?
You can have more than one Royal London Over 50 Life Insurance policy, but you cannot pay more than £100 a month across the total number of policies. And, you cannot exceed the total payout amount of £10,000.
If you then want to leave more money for your family at a later date you may be able to take out an extra policy from just £1.
Yes, you're covered for any death, including death resulting from coronavirus, after your first year, as long as your payments are up to date.
Yes. As long as you're aged 50 to 80 and a UK resident, you qualify for Over 50 Life Insurance from Royal London.
Find out more about Over 60 Life Insurance.
If you die in the first year of your policy, we return your payments.
If you die in an accident (as defined in our terms and conditions), in the first year of your policy, we pay out the full amount.
If you die after the first year of your policy, the full sum assured will be paid out.
We will automatically stop collecting payments on the policy anniversary following your 95th birthday, or if you die, whichever comes first, but your insurance will continue for the rest of your life.
If you stop paying altogether you could lose your insurance. We want to keep you covered and our Over 50 Life Insurance has ways to help you do that:
Flexible payments – you can reduce your monthly payments by bringing down your payout amount, as long as you’re paying at least £3.95 a month.
Payment holiday - 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.
You can have up to two payment holidays during your policy – only one can be taken within any twelve-month period.
Payout Promise – If you need to stop paying altogether, we promise that your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy. That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first. Many don’t give you this protection.
Our 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.
Choose how much you can afford to pay each month, so you can leave your family money when you die, or to help with your funeral costs. The maximum payout you can get is £10,000. The more you pay each month, the bigger the payout your family could get.
Wondering how much insurance you can have?
You can have more than one Royal London Over 50 Life Insurance policy, but you cannot pay more than £100 a month across the total number of policies. And, you cannot exceed the total payout amount of £10,000.
If you then want to leave more money for your family at a later date you may be able to take out an extra policy from just £1.
Yes, you're covered for any death, including death resulting from coronavirus, after your first year, as long as your payments are up to date.
Yes. As long as you're aged 50 to 80 and a UK resident, you qualify for Over 50 Life Insurance from Royal London.
Find out more about Over 60 Life Insurance.
If you die in the first year of your policy, we return your payments.
If you die in an accident (as defined in our terms and conditions), in the first year of your policy, we pay out the full amount.
If you die after the first year of your policy, the full sum assured will be paid out.
We will automatically stop collecting payments on the policy anniversary following your 95th birthday, or if you die, whichever comes first, but your insurance will continue for the rest of your life.
If you stop paying altogether you could lose your insurance. We want to keep you covered and our Over 50 Life Insurance has ways to help you do that:
Flexible payments – you can reduce your monthly payments by bringing down your payout amount, as long as you’re paying at least £3.95 a month.
Payment holiday - 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.
You can have up to two payment holidays during your policy – only one can be taken within any twelve-month period.
Payout Promise – If you need to stop paying altogether, we promise that your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy. That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first. Many don’t give you this protection.
Useful info
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