Over 50s Life Cover

Our aim is to reduce any worries you might have around how your family will cope financially if you were no longer around.

Here’s how our Over 50s Life Cover could help you sleep a little more soundly.

• We guarantee we’ll accept you. If you’re a UK resident aged 50 to 80, we can offer you Over 50s Life Cover. We won’t ask you to undergo a medical and the only lifestyle question we’ll ask is whether or not you smoke.
• Unless you ask us not to, we’ll make the payout direct to the funeral director, plus extra Funeral Funding to help with the cost of your funeral. So, your family won’t need to wait for your will to be sorted out before paying for your funeral*.
• We include terminal illness cover in every policy. We’ll pay out if you’re diagnosed as terminally ill (defined as having 12 months or less to live) within two years of starting the policy, so you can use the money how you like.
• We give you free practical, emotional and health support for you and your family via our trusted partner, RedArc**. You’ll be able to access this service as soon as your policy is set up.

*Over 50s Life Cover isn’t the same as a funeral plan, the payout may not be enough to cover the entire cost of your funeral, depending on the type of funeral.
**This service is subject to change and could be withdrawn in the future.

If you’re a UK resident aged between 50 and 80, you’re eligible (subject to sum assured and premium limits).

We won’t ask any medical questions or ask you to have a medical exam. The only lifestyle question we’ll ask is whether or not you smoke.

• Funeral Funding is included as standard in our policies and is provided by Golden Charter.
• With Funeral Funding, the policy payout will be sent directly to the funeral provider, who will add an additional £300 towards the cost of your funeral. If you choose a direct-to-cremation funeral, the £300 contribution will not apply*.
• Funeral Funding is designed to give your loved ones less to worry about at a difficult time. It's worth being aware that it's not the same as a Funeral Plan, so may not cover the full cost of your funeral.

You can also download our Funeral Funding flyer for more information.

*A direct-to-cremation funeral is a cremation where there is a direct disposal service only and therefore no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes) and where the cremation is arranged at a crematorium at a date and time chosen by the allocated funeral director and without anyone attending other than the funeral director's staff.