Over 50 plans

Over-50 plans typically offer

• a guaranteed acceptance for this cover
• fixed premiums payable for life or to a specified age
• cover with no medical disclosures or underwriting
• full cover after an initial ‘moratorium’
• a guaranteed sum payable on death

The amount paid out when you die depends on the premium you choose.

Next steps

If you have a policy, want to buy some cover, or just want more information:  

• read through your policy and / or talk to your insurer
• talk to a financial adviser or insurance broker through unbiased.co.uk or the British Insurance Brokers' Association (BIBA) website to find out more about over-50 plans
• shop around to find out more on how to buy the best type of over-50 plan for you