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Over 50s
Life Insurance

from £5 a month, depending
on your age

Take out a policy and receive a £100 gift card

Limit of two per household when your policy has been in force for six months. Tell me more about this offer. Offer ends 18 July 2019.

Extra £300 with our
Funeral Benefit Option

Plan ahead and help out your loved ones through difficult times.

Find out more

Bigger payouts for
non-smokers

We've recently changed our payouts to give non-smokers in some age groups a bigger amount for the same premium as some of our competitors, providing better value.

No assessments
required

UK residents between 50 and 80 are guaranteed to be accepted, without providing any medical or health assessments.

Cover for life

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

Extra £300 with our Funeral
Benefit Option

Plan ahead and help out your loved ones through difficult times.

Find out more

Bigger payouts for non-smokers

We've recently changed our payouts to give non-smokers in some age groups a bigger amount for the same premium as some of our competitors, providing better value.

No assessments required

UK residents between 50 and 80 are guaranteed to be accepted, without providing any medical or health assessments.

Cover for life

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

Over 50s Life Insurance explained

Our Over 50s Life Insurance, provided by Legal & General, is ideal if you want a policy that pays out a cash sum to help out your loved ones when you die. The money could be used to contribute towards funeral expenses - giving you extra peace of mind.

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

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.

This way you specify who you want to be a beneficiary and who you want to look after the proceeds in the event of your death.

Download Over 50s Life Insurance policy documents

We'll send you the policy schedule shortly after applying for cover.
Further information can be found in our downloadable documents below.

Important information

  • Things you need to know
    • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
    • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won't get anything back.
    • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
    • You'll get 30 days to change your mind about starting your policy. If you cancel within 30 days, any premiums you may have paid will be refunded.
    • Inflation will reduce the buying power of your cash sum in the future.
    • This is not a savings or investment product and has no cash value until a valid claim is made.
    Read more

Frequently asked questions

  • If I take out the Funeral Benefit Option, can I change my mind later?

    Yes, you can change your mind after you have taken out the Funeral Benefit option. If you do change your mind please let Legal & General know and they will inform Dignity that the 'charge' is to be removed from your policy. Once the 'charge' has been removed, your Over 50s Life Insurance policy will continue as normal, without the Funeral Benefit Option and the extra £300 towards your funeral costs will no longer apply.

  • What happens to the money when the policy pays out?

    If you don't specify who the money will go to, when you die it will automatically be paid in to your estate. This may be subject to Inheritance Tax. Please speak to a financial adviser if you're unsure how this could affect you.

    If you take out the Funeral Benefit Option

    When you die, the cash lump sum will be paid directly to Dignity and your funeral will be provided by a Dignity funeral provider.

    If you write the policy into a Trust

    When placing the policy in trust you specify who you want to be a beneficiary and who you want to look after and control the policy (the trustees). A trust is a way of giving away something of value (in this case the life insurance policy) for the benefits of others (the beneficiaries), but without giving them full access to and control over the policy. You may wish to make your own arrangements or alternatively our life insurance provider Legal & General provides further information (you will be directed to Legal & General's website).

    If you are unsure whether a Trust is the right option for you, it's important you discuss this with a professional adviser, who may charge you.

  • How long does the cover last?

    Over 50s Life Insurance lasts for the whole of your life, as long as you keep paying premiums. At age 90 your premiums stop but your cover will continue.

  • When will I receive my gift?

    We'll aim to send you your gift four months after your policy start date, as long as you continue to pay your premiums. Please read the gift terms and conditions for more information.

  • Will my premiums ever go up?

    No, your premiums will stay the same throughout the whole policy. On your 90th birthday you will stop paying premiums but your cover will continue.

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