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Our Over 50s Life Cover 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 want to pay each month, from £3.95 to £100, to leave behind up to £10,000 when you pass away. The more you pay each month, the bigger the payout your family could get.
Over 50s Life Cover is ideal if you just need money to go towards funeral costs. You can start from just £3.95 a month, and if you’re a UK resident between 50 and 80, you are guaranteed acceptance with no medical.
If you take out our Over 50s Life Cover, you'll benefit from;
As a mutual, we have no shareholders to pay. So we can put more of our profits into making our products great for our customers.
Depending on how long you live, you could pay more in monthly payments than the amount of money we pay out when you die. The amount of money you choose is fixed and inflation (the rising cost of goods and services) will reduce its value over time.
We only pay out on death. There is no cash-in value at any time. If you die from an accident in the first 12 months (covered by the policy), we will pay the full amount of money. If you die in the first 12 months and your death was not due to an accident, we’ll return the monthly payments that have been made to us for your policy. After 12 months we will pay the full amount of money regardless of the cause of death.
We will stop collecting payments on the policy anniversary date after you reach age 90 or when you die, whichever is sooner. If you stop making your payments before you’re halfway through your payment term your cover will end and you’ll get nothing back. If you stop after the halfway point, your family will get some money when you die. We can tell you about our cover but cannot advise if it is right for you. If you are not sure if it is right for you, please ask your financial advisor, or visit unbiased.co.uk to find one who could help.
If you would like to read the terms and conditions, call us to have a copy posted to you, or see ‘Important Information’ at royallondon.com/over50sinfo If you apply for cover, you will also receive them with your policy documents.
If you would like to know more, we’re always happy to talk!
Free from UK landlines & mobiles
Mon to Fri: 8am–7pm
Sat: 9am–5pm
Sun: 10am–4pm
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. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.
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