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Over 50s
Life Insurance

from £5 a month

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Depending on your age and
smoking history

Call us free 0800 077 8318

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Take out a policy and receive a
£100 gift card

Get a quote

The gift card will be sent once your policy has been in
force for six months.
Tell me more about this offer.

Protected Insurance Amount

As long as you’ve made at least half of the monthly payments due between when your insurance started and your 90th birthday, we’ll still pay an amount to you even if you stop making payments or cancel your policy.

Best Doctors

With Best Doctors you can get a second medical opinion at no extra cost. By conducting an in-depth review of your medical case and diagnosis, they'll provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time.

No assessments
required

UK residents between 50 and 85 (81 if you smoke) are guaranteed to be accepted, without providing any medical or health assessments.

Monthly payments won't increase

You'll stop paying after your 90th birthday, but you'll be covered for the rest of your life.

Protected Insurance Amount

As long as you’ve made at least half of the monthly payments due between when your insurance started and your 90th birthday, we’ll still pay an amount to you even if you stop making payments or cancel your policy.

Best Doctors

With Best Doctors you can get a second medical opinion at no extra cost. By conducting an in-depth review of your medical case and diagnosis, they'll provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time.

No assessments required

UK residents between 50 and 85 (81 if you smoke) are guaranteed to be accepted, without providing any medical or health assessments.

Monthly payments
won't increase

You'll stop paying after your 90th birthday, but you'll be covered for the rest of your life.

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Over 50s Life Insurance explained

Our Over 50s Life Insurance, provided by AIG, is ideal if you want a policy that pays out a cash sum when you die, providing you’ve had the policy for more than two years. The money could be used to help out your loved ones or contribute towards funeral expenses – giving you extra peace of mind.

To get a quote you only need to provide your date of birth, whether you
smoke and how much you wish to pay each month. You can then easily adjust
your quote by increasing or decreasing your monthly payments.

Is Life Insurance a better option?

Life insurance helps to protect your family financially if you die during the length of your policy.

 You can choose the amount and length of your life insurance. And you only have to answer a few lifestyle and health questions to apply.

Life insurance helps to protect your family financially if you die during
the length of your policy.



You can choose the amount and length of your life insurance. And you
only have to answer a few lifestyle and health questions to apply.

Read more

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Writing the policy to a trust

Help take control of your family's financial security by placing your Over 50s Life Insurance policy in trust.

You specify who receives the proceeds in the event of your death.

Download Over 50s Life Insurance policy documents

We'll send you the insurance summary shortly after applying for insurance.
Further information can be found in our downloadable documents below:

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Important information

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  • Things you need to know
    • The total payments you make for your insurance might exceed the amount of your insurance, depending on when you die.
    • The amount you pay and the amount AIG will insure you for will depend on your age and smoking history when you take out the insurance.
    • If you're purchasing this insurance to cover your funeral expenses, it may not provide enough money to cover the full cost.
    • If any payment remains unpaid for more than 30 days, we’ll stop your insurance and you’ll no longer be insured, unless you qualify for the protected insurance amount.
    • Inflation will reduce the spending power of any money paid in the future.
    Read more
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Frequently asked questions

  • Why would I need Over 50s Life Insurance?

    Over 50s Life Insurance can provide up to £15,000 which you can use however you wish, for example contributing to the cost of your funeral, or providing a gift to family and friends. If you're aged between 50 and 85 (81 for smokers) you’re guaranteed to be accepted, and you won't be asked any medical questions when you apply.

  • What's the protected insurance amount on an Over 50s Life Insurance policy?

    The insurance will still pay out when you die if you cancel your policy or stop making monthly payments, as long as you've made at least half of the monthly payments that were due between when your insurance started and your 90th birthday. The amount paid out will be at least half of your original insurance and will depend on when you stopped making monthly payments.

  • How long does Over 50s Life Insurance last?

    Over 50s Life Insurance lasts for the whole of your life, as long as you keep making monthly payments. At age 90 you’ll stop making payments, but your insurance will continue.

    A reduced payout will be made if you cancel your insurance or stop making monthly payments, as long as you’ve paid at least half of the monthly payments that were due between when your insurance started and your 90th birthday.

  • Will my payments ever go up on my Over 50s Life Insurance policy?

    No, your payments will stay the same throughout the whole policy. On your 90th birthday you’ll stop paying but your insurance will continue.

  • Can I have more than one Over 50s Life Insurance policy?

    You can take out more than one Over 50s Life Insurance policy, but the maximum combined amount for all your Over 50s Life Insurance policies you hold with AIG is £15,000.