Fairer & more flexible
Built-in safety features for tough times
No hidden charges
The price we quote is the price you pay
If you're 50 to 80 and a UK resident
Could your family afford your funeral?
Funerals can be expensive. But plan ahead with our Over 50s Life Cover and you can help lift a financial burden from your family, at a time when they’ll need it most.
7 good reasons to choose us
- Start from only £3.95 a month - that’s just 13p a day!
- Flexibility to reduce your payments – so you don’t lose all your cover. Other providers won’t let you do this
- Guaranteed acceptance with no medical – for UK residents, aged 50 to 80
- Immediate cover for accidental death – if you die from an accident in the first year
- Full cover after just one year - Other providers want you to wait two years
- Fairer Cover – if you need to stop paying your family could still get some money.
- Top-rated cover – 5 stars for cover, features and benefits
Getting a quote takes less than a minute
Under 50? Don't worry, you may still be able to get our Life Insurance
Answers to your questions
How does my family make a claim?
Making a claim is simple and straightforward. We have a dedicated UK-based claims line. Our trained staff will deal with your family with kindness and sympathy, and will do everything to make sure their claim goes as smoothly as possible.
You can find out more about making a claim here.
Can I reduce my payments?
If you're feeling the pinch, rather than stop paying and risk losing all your cover, you can reduce it to bring your payments down. You just have to keep paying at least £3.95 a month. Not all providers will let you do this.
Can I have a joint policy?
No, but you can have one each.
Can I cancel my policy?
You can cancel your policy at any time. If you cancel within 30 days of starting your cover, we'll refund any payments you've made. If you cancel after that, you won’t get anything back. If you feel you can’t afford your cover, talk to us and we can reduce it to bring down your payments. If you're halfway through paying for your policy and need to stop paying your family will still get a payout.
Does the payout amount go up with inflation?
No. It's worth thinking about inflation, as prices increase over time and the payout you choose today may not be enough for your family in the future. If you would like a bigger payout, you can simply take out an extra policy for as little as £1 a month.
The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London EC3V 0RL.