Acceptance is guaranteed
If you are aged 50 to 85 and a UK resident, acceptance is guaranteed. There are no medical questions and no exams, your health simply is not part of the application.
Premiums are fixed from day one, and many policies stop premiums at a set age, often 90, while cover continues for life.
- ✓Guaranteed acceptance ages 50 to 85
- ✓No medical questions or examinations
- ✓Fixed premiums, often ending at age 90 while cover continues
Honest about the trade-offs
Over 50s plans usually have a waiting period, typically the first one or two years, where the full sum is only paid for accidental death. And if you live a long life, total premiums can exceed the payout.
We will always tell you if standard life insurance would serve you better, because for many healthy over 50s it does.
- ✓Waiting periods explained clearly before you buy
- ✓Comparison against standard life cover included
- ✓Often used for funeral costs or a gift to grandchildren
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Yes, provided premiums are maintained. After any initial waiting period, the full cash sum is guaranteed whenever you die.
Most plans pay the full sum only after the first 12 or 24 months, with accidental death covered from day one. Die of natural causes within the waiting period and premiums are usually refunded instead.
Yes, that is one of the most common uses. Some plans include a funeral benefit option that links the payout directly to a funeral plan provider.
Cover normally ends and you do not get money back. That is an important feature to understand, and we make sure the premium is genuinely sustainable before you commit.
If you are in reasonable health, underwritten life insurance often offers more cover for the same money. Guaranteed acceptance wins when health makes underwriting difficult. We compare both for you.
Yes, you can hold multiple plans, sometimes with the same insurer up to their limits. We will tell you whether that is cost-effective versus one larger policy.
Cover you can arrange today
A quick call confirms your options and exact premium, with no medical questions.