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!

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Payout Promise

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

Compare over 50 life insurance with our calculator

Payout Promise to protect a payout, flexible payments to keep you insured and more


Flexible payments


Fully insured after 1 year


Payout Promise †



Flexible payments


Fully insured after 1 year


Payout Promise †


Information for our comparison is obtained online and checked frequently. The table above shows how we compared to some other providers on 25th November 2019, however features can change at any time. 
†If you need to stop paying your family could still get part of the payout – see Payout Promise below for details.

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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
  • 5 Star Rating – from Fairer Finance for product features. No other over 50s plan has a 5 Star Rating
  • †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 90. You stop paying at that policy anniversary or when you die, whichever comes first.

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.

Frequently asked questions about over 60 life insurance

Over 60 life insurance is for people who need insurance but 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.

It's life insurance for UK residents aged between 50 and 80 who want to leave money behind for their loved ones or contribute towards funeral costs.

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 they pry into your health.

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.

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.

Many 60 year olds feel, well…60 years ‘young’. So while you can’t turn the clock back or wave away any health problems, you can consider life insurance designed specifically for older people, such as those over 60.

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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