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Over-50s life insurance
Over-50s life insurance offers guaranteed acceptance for people aged between 50 and 80, with no medical exam or health questions. It pays a fixed lump sum when you die, which can help with funeral costs or leaving a small legacy.
What it covers
- A fixed cash sum when you die
- Funeral costs and final expenses
- A small legacy for family members
Who it's for
- People aged 50 to 80 who want simple cover
- Those with health conditions that make other cover expensive
- Anyone wanting to help with funeral costs
Pros
- Guaranteed acceptance with no medical questions
- Premiums are usually fixed
- Simple application process
Considerations
- Premiums are payable for life; you could pay in more than the payout
- There is usually an initial waiting period before full cover applies
- Payouts are modest compared to other types of cover
Ready to protect your nest egg?
Get a free, no-obligation quote and see how over-50s life insurance could work for you.
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