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 13th May 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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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.

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 here.

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. You’ll have to make up the missed payments or reduce your payout amount after your payment holiday finishes.

Payout Promise – If you need to stop paying altogether, 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. 

You make monthly payments to leave behind money to loved ones when you die, as a gift or to help pay for your funeral.

No, if you’re aged 50 to 80 and a UK resident you can buy our Over 50 Life Insurance without taking a medical. There may be a question about whether you smoke or not, but this is as far as we pry into your health.

Traditional life insurance insures you for a fixed term. So it would only pay out if you were to die in that period. That's why it's often known as term life insurance.

With our Over 50 Life Insurance, if you die any time after your first year, and your payments are up to date, your policy pays out. That's why it's known as whole-of-life insurance.

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. 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. 

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

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