Find out more about our cover

Guaranteed Acceptance Over 50's Life Cover is a simple way to provide your loved ones with cash should the worst happen. This is a whole of life policy which pays out the Policy Benefits summarised below on your death.

We guarantee to accept you for cover, without any medical evidence, if you are a UK resident aged between 50 and 75 when you take out your policy. Our fixed monthly premiums start from £10. When you reach the age of 90, you will not be required to pay any more premiums. However, your cover will remain in place until your death. Depending on how long you live, the total amount of premiums you pay may be greater than the cash sum payable on death.

Once accepted, you remain fully covered as long as you continue to pay the premiums that are due. Should you choose to cancel your policy, there is no cash in value at any time.

Policy benefits

After the policy has been in force for two years, the full sum assured will be paid on death. If death within the first two years is other than by accident, payment is limited to full refund of all premiums paid.

When choosing the amount of cover you need, you should remember that inflation will, over time, reduce the value of the cash sum payable on death.