Over 50’s Life Cover

Over 50’s Life Cover

Over 50’s Life Cover

Guaranteed cover with no medicals for the over 50’s.

What is Over 50’s Life Cover?

Over 50’s life cover is specially designed for those between 50 and 80 to be able to take out life insurance without having to answer any medical questions or attend any medicals. 

How we can help:

Over 50’s life cover is currently all over the media with adverts everywhere so it’s easy to think that if you are over 50, this is the right cover for you. In reality, the main reason for taking out such cover is because of the lack of medical underwriting. BUT the amounts covered are normally relatively small and the premiums are normally more expensive than for standard cover. We would carry out a full assessment to see if this really is the right cover for you because if you are in good health, a different type of cover may well be both more cost effective and suitable.

Over 50’s life cover is most commonly used to:

  • Pay for a funeral

  • Repay smaller debts such as credit cards

  • Have guaranteed acceptance with no medicals

  • Get a £75 Amazon.co.uk voucher when you take out a policy through us. See our voucher T & C’s for more detail.

Over 50s Life Cover
‘We would ask you a few simple questions to ensure that this type of cover is right for you and your circumstances.’
I need advice
Can I get a joint policy with my partner?

Yes, if that is appropriate. We will normally assess couples together so that you have exactly the right cover to protect both yourselves and each other.

What happens if my health changes after I’ve got a policy?

If your health deteriorates after you have already taken out a policy, an insurer can not cancel your cover. If you are concerned, talk to us.

If I have insurance already can I change/make changes?

It depends on the terms of your plan as some plans are more flexible than others. Talk to us and we can look at this for you.

I think I’m paying too much for my cover, can you find me something cheaper?

Maybe, especially if you took out insurance direct from a bank or building society. Or we may be able to build you better cover for the same price.  Either way, we will be more than happy to review your existing cover for you.

If I need to make a claim will you help?

Yes, we are always happy to help. See out claims page.

Why use us?

We are unbiased, impartial and independent: Sourcing cover from leading insurers, often at a more competitive price than you would be able to get from a comparison site or even from an insurer direct.

No fees: Insurance providers pay us commission, which means that we do not charge you a fee.

We advise: We talk to you to ensure that you have the right cover for your own individual circumstances.

We listen: You tell us what you would want to happen to your family if you die or if you are ill.

We care: Our clients are not numbers to us, we genuinely care about what we do and about the advice which we provide.

Aftercare: If you or your family are ever unfortunate enough to need to claim, let us know and we will do what we can to help. 

You will be making a difference to others: Every year, we donate a proportion of our profits to support a carefully chosen charity.

Will I need to complete an application?

We will complete a brief application form on your behalf but there will be no medical questions to answer.

Will my monthly payments increase as I get older?

No, your payments are fixed at the outset and will never increase.

I have heard that insurers never pay out, is this true?

This is not true. The majority of claims are paid and we can provide you with full statistics from the insurers to prove this.

What is the difference between getting advice and getting a quote on your site?

A quote will give you an indication of the cost, however, that does not necessarily mean that the cover chosen is the most suitable. Our job is to advise you and help you to make an informed decision.

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