Whole of Life & Over 50s Life Insurance

Lifelong protection that pays out a fixed lump sum on death, whenever that occurs.

Whole of Life Insurance

Whole of life insurance provides cover that lasts for the rest of your life, paying out a fixed lump sum on death, whenever that occurs. Providing premiums are maintained.

What it can offer

Guaranteed to payout on death
Fixed or reviewable premiums depending on the policy
Options to help with estate planning or funeral costs
Cover that remains in place for life

Who may it be suitable for

Those wanting lifelong financial protection

Premiums may increase after review periods depending on the insurer and type of policy.

Over 50s Life Insurance

Simple, Guaranteed Acceptance cover for those over 50-80

Over 50's Life Insurance offers guaranteed acceptance without medical questions, with a fixed payout on death after the initial waiting periods, it's often used to help with funeral costs.

Key features

Guaranteed acceptance based on age
No medical assessments
Fixed Premiums
Pays out after the waiting period (usually 12-24 months, depending on the insurer)

Important to know

The payout is fixed and may be less than the premiums paid, if you live much longer than expected

Not designed as a savings or investment plan

Policies have no cash in value at any time

Why Speak to Us

We help you.

Understand your options

Clear explanations of different policy types and features to help you make informed decisions.

Compare suitable policies

We compare policies from our panel to find options that match your needs and circumstances.

Identify important limitations

We highlight important limitations or exclusions so you know exactly what's covered.

Choose cover aligned to you

Tailored recommendations based on your needs, budget and priorities.

Our advice is transparent, jargon free and tailored to you.

Important Information

Recommendations

Recommendations are based on your stated needs, priorities and circumstances.

Policy Terms

All policies are subject to eligibility, terms, conditions, exclusions and underwriting (where applicable).

Premium Payments

If you stop paying your premiums your cover may end.

Cash Value

Insurance policies do not have a cash in value unless otherwise stated.

Benefits & Premiums

Benefits and premium may vary by provider and policy type.

Ready to Explore Your Options?

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