You can't be turned down for Over 50s Life Insurance as long as you are a UK resident aged 50 to 80, and you can be covered over the phone or online in minutes.
5 good reasons to choose Easy Insurance
1. Start from only 1.50 a month - that's just 5 p a day! 2. Flexible payments - reduce your cover to bring your payments down. Some won't let you do this.
3. 3 times your benefit amount up to 60,000 - if death is due to an accident,
4. Guaranteed acceptance - no medical or health questions and if you are a UK resident aged 50-80, you are guaranteed to be accepted, 5. Immediate cover - for accidental death and cover for death by any cause after just 24 months,
Peace of mind for you and your family
Many of the big insurers offer over-50s life insurance, which pays out a cash sum when you die. The big advantage of an over-50s policy is that acceptance is guaranteed. You don't have to answer any health questions or pass any medical test.
And Accidental Death Benefit means we'll pay the full cash sum if you die as the result of an accident, even if you've had your plan for less than two years. No medical, guaranteed (if you're aged 50-85 and a UK resident). Fixed premiums start from just 1.50 a month - the lowest in the market.
Why not tailor your plan?
British Seniors offers a life insurance policy designed with you in mind. It's quick and easy to set up. There are no medical or health questions and you're guaranteed to be accepted, as long as you're a UK resident aged between 50 and 80.
But you can't miss a payment
Add the free Funeral Benefit Option and get a 300 contribution towards the cost of your funeral. Seems perfect if you're taking out a plan to help cover your funeral costs. A higher monthly premium that you stop paying after a certain number of years - you'll still be covered for life, and your cash sum will be the same. The Premium Cap Option is available for anyone aged between 50 and 80 years old.
The majority of over-50s life insurance policies pay out a fixed amount, the maximum typically being around 25,000. The great thing about a fixed payout is the certainty it offers, but there are downsides too.
Fixed premiums are great for people who want certainty, knowing that your increasing age will not affect the amount you pay towards your over 50s insurance plan.
The other disadvantage of a fixed payout is that the amount could potentially be eroded by inflation. The lump sum may seem a lot when you sign up for the policy, but will it still have the same financial significance 20 or 30 years down the line?
Immediate cover for accidental death
Many people take out life insurance so that a lump sum can be used to pay off a mortgage, or settle outstanding debts, when they die. But if you were to take out life insurance at 50, you'd find the premiums much more expensive than if you were 30 - and it's likely that you'd see some restrictions on the term of your cover.
Increasing life insurance
Furthermore, term life insurance isn't best suited to everyone. If you're over 50 and have paid off your mortgage or have children who are grown up, your needs will be very different to a 35-year-old who has a young family and 20 years of mortgage payments to make. This is where over-50s life insurance comes in.
5 good reasons to choose Easy Insurance
1. Start from only 1.50 a month - that's just 5 p a day! 2. Flexible payments - reduce your cover to bring your payments down. Some won't let you do this.
3. 3 times your benefit amount up to 60,000 - if death is due to an accident,
4. Guaranteed acceptance - no medical or health questions and if you are a UK resident aged 50-80, you are guaranteed to be accepted, 5. Immediate cover - for accidental death and cover for death by any cause after just 24 months,
Peace of mind for you and your family
Many of the big insurers offer over-50s life insurance, which pays out a cash sum when you die. The big advantage of an over-50s policy is that acceptance is guaranteed. You don't have to answer any health questions or pass any medical test.
And Accidental Death Benefit means we'll pay the full cash sum if you die as the result of an accident, even if you've had your plan for less than two years. No medical, guaranteed (if you're aged 50-85 and a UK resident). Fixed premiums start from just 1.50 a month - the lowest in the market.
Why not tailor your plan?
British Seniors offers a life insurance policy designed with you in mind. It's quick and easy to set up. There are no medical or health questions and you're guaranteed to be accepted, as long as you're a UK resident aged between 50 and 80.
But you can't miss a payment
Add the free Funeral Benefit Option and get a 300 contribution towards the cost of your funeral. Seems perfect if you're taking out a plan to help cover your funeral costs. A higher monthly premium that you stop paying after a certain number of years - you'll still be covered for life, and your cash sum will be the same. The Premium Cap Option is available for anyone aged between 50 and 80 years old.
The majority of over-50s life insurance policies pay out a fixed amount, the maximum typically being around 25,000. The great thing about a fixed payout is the certainty it offers, but there are downsides too.
Fixed premiums are great for people who want certainty, knowing that your increasing age will not affect the amount you pay towards your over 50s insurance plan.
The other disadvantage of a fixed payout is that the amount could potentially be eroded by inflation. The lump sum may seem a lot when you sign up for the policy, but will it still have the same financial significance 20 or 30 years down the line?
Immediate cover for accidental death
Many people take out life insurance so that a lump sum can be used to pay off a mortgage, or settle outstanding debts, when they die. But if you were to take out life insurance at 50, you'd find the premiums much more expensive than if you were 30 - and it's likely that you'd see some restrictions on the term of your cover.
Increasing life insurance
Furthermore, term life insurance isn't best suited to everyone. If you're over 50 and have paid off your mortgage or have children who are grown up, your needs will be very different to a 35-year-old who has a young family and 20 years of mortgage payments to make. This is where over-50s life insurance comes in.
About the Author:
One of the key benefits of best over 50 life insurance uk is that there is no medical requirement when you apply, meaning that you will have guaranteed acceptance should you wish to take out a policy. Apply now for life insurance without medical exam.
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