Good reasons to buy

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Guaranteed acceptance

For 50 to 80 year old UK residents PLUS no medical questions!

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Fully insured

After just one year. Some others make you wait two years.

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Payout Promise

Our promise to make sure there’s a payout for your family

Compare our Over 50 Life Insurance

Provider

Flexible payments

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Payment Holidays

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Payout Promise †

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Provider

Flexible payments

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Payment Holidays

?

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.

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Non-smoker*? Compare us on payouts!

*A non-smoker doesn't use, or hasn't used in the past 12 months, any kind of nicotine product.

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Customer reviews for Over 50 Life Insurance

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Six reasons to choose us

A few reasons why you should choose Royal London Over 50 Life Insurance:

  • 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.
  • Immediate insurance for accidental death – if you die from an accident in the first year
  • Fully insured after just one year. Some make you wait two years
  • Guaranteed acceptance with no medical- for UK residents aged 50-80
  • †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. 

Important things to know

Our Over 50 Life Insurance only pays out when you die. 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 covered by the policy.

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

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

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

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.

Frequently asked questions about over 60 life insurance

Whatever your question, we’ve got you covered.

It is for people who need insurance and are over 60.

Our Over 50 Life Insurance is available for UK residents who are 50 to 80 years old. So, it could be something to consider if you want to leave a gift for your loved ones or contribute towards your funeral costs.

While you can't turn the clock back or wave away any health problems, you may want to consider our Over 50 Life Insurance. It's designed for people aged 50 to 80 (so if you're 60, you're in!). It's a way to leave a small gift for your family when you pass away, or to contribute towards your funeral costs. And as long as you're a UK resident aged 50 to 80, you're guaranteed acceptance with no medical.

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.

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.

Just so you know: you cannot take out a joint policy with your partner, but you and your partner can have one each.

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.

Payment is made via BACS transfer as soon as the claim has been approved and we have all the paperwork we asked for. Typically, the funds clear within three to five working days.

You can find out more about making a claim.

No, you cannot cash in your policy at any time. Over 50 Life Insurance only pays out on your death.

You can cancel your policy at any time. If you cancel within 30 days of starting your insurance, 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 insurance, talk to us. We may be able to reduce it to bring down your payments.

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 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.

Your Over 50 Life Insurance lasts until you die, providing you are up to date with your monthly payments.

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.

It is for people who need insurance and are over 60.

Our Over 50 Life Insurance is available for UK residents who are 50 to 80 years old. So, it could be something to consider if you want to leave a gift for your loved ones or contribute towards your funeral costs.

While you can't turn the clock back or wave away any health problems, you may want to consider our Over 50 Life Insurance. It's designed for people aged 50 to 80 (so if you're 60, you're in!). It's a way to leave a small gift for your family when you pass away, or to contribute towards your funeral costs. And as long as you're a UK resident aged 50 to 80, you're guaranteed acceptance with no medical.

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.

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.

Just so you know: you cannot take out a joint policy with your partner, but you and your partner can have one each.

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.

Payment is made via BACS transfer as soon as the claim has been approved and we have all the paperwork we asked for. Typically, the funds clear within three to five working days.

You can find out more about making a claim.

No, you cannot cash in your policy at any time. Over 50 Life Insurance only pays out on your death.

You can cancel your policy at any time. If you cancel within 30 days of starting your insurance, 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 insurance, talk to us. We may be able to reduce it to bring down your payments.

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 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.

Your Over 50 Life Insurance lasts until you die, providing you are up to date with your monthly payments.

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.

Looking for more information on life insurance for over 60? Our Over 50 Life Insurance can help.

Useful info

Making a claim 

Important Documents and Guides

Policy summary

Terms and conditions

Got a question?

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