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Over 50s Insurance

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Why take out Over 50's Insurance?

Life insurance is an incredibly common type of policy that people take out to protect their family and loved ones financially when they pass away. One of the biggest factors that can affect the price of your monthly payments is how old you are, especially when it comes to life insurance. If you were to take out life insurance at 30, you will likely find it to be much cheaper than a policy taken out at 50.

That’s why specific over 50s insurance policies exist, and especially because a term life insurance policy isn’t suitable for everyone. Those who are over 50 are more likely to have paid off their mortgage, or to at least have a lot less to pay off. Your children may also be grown up, compared to a young parents in their 30s with 25 years of their mortgage still to pay.

What is over 50s Insurance?

Just like all other kinds of life insurance, with over 50s insurance you pay monthly premiums and in return a lump sum will be paid out to your beneficiaries when you pass away. They can then use this money to help cover your funeral costs, to clear any debts, or you may simply wish it to be a gift for them.

Why is Over 50s Insurance Different?

The main difference with a specific over 50s policy is that you are guaranteed to be accepted. From the ages of 50 to usually 80, you won’t need to fill in a health questionnaire or pass a medical examination.

Another difference, and clear advantage, of pver 50s insurance is that the premiums will likely be fixed. So you can choose a monthly payment that suits your situation and budget while still giving you the desired level of cover, and it will most likely stay at that price. There are monthly payment options to suit all budgets, so you can find one that’s right for you.

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If you’ve never looked at over 50s life insurance before, it’s important to seek professional advice before taking out a policy, otherwise you could end up with one that is completely wrong for you. Our experts are always on hand to answer any questions you may have, and to talk about all the different factors involved, so don’t hesitate to get in touch today.

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  • Fully comprehensive policy, rated 5 Star by Defaqto
  • All policies underwritten by AXA Insurance UK Plc
  • Authorised and regulated by the Financial Conduct Authority (FCA)