Protection

Simplified Protection for the Over 50s: Guaranteed Acceptance Plans

As we get older, having simple and reliable financial protection becomes even more important. Over 50s plans are designed specifically for those aged 50 and above and offer guaranteed acceptance — no medical questions or health checks required. These policies provide a fixed payout when you pass away, helping your loved ones cover funeral costs or giving them a small financial gift at a time when it’s needed most.

Planning for the future becomes even more important as we get older, and Over 50s life insurance offers a simple way to give your loved ones some financial support when it’s needed most. These policies provide a guaranteed payout when you pass away, which can help cover funeral costs, settle small debts, or leave a financial gift for your family. With no medical exams or health questions, it’s a straightforward option—even if you have existing health concerns.

I’ll help you find the Over 50s plan that fits your needs and your budget. I work with a range of trusted providers offering fixed premiums and guaranteed acceptance, and I’ll guide you through the options in plain English. With the right policy in place, you can enjoy real peace of mind knowing your family will have support in the future.

1. What is Over 50s Cover?

Over 50s Cover is a whole-of-life insurance policy designed for people aged 50 to 80. It pays out a guaranteed lump sum to your loved ones when you pass away, helping with funeral costs or leaving a financial gift.

2. How is an Over 50s plan different from Traditional Life Insurance?

Traditional Life Insurance usually involves medical questions and is based on your health and lifestyle.
Over 50s plans typically have no medical checks, guarantee acceptance, and offer a fixed payout — making them ideal if you have health conditions or want simple, straightforward cover.

3. Do I need a medical for Over 50s Life Insurance?

No. Most Over 50s policies do not require any medical questions or assessments. If you meet the age criteria, you will usually be accepted automatically.

4. How much does Over 50s Life Insurance cost?

Policies can start from around £10 per month, depending on your age, the insurer, and the level of cover you choose.

5. What type of Life Insurance do I need?

The right option depends on your goals — whether you want to cover funeral costs, provide a lump sum for loved ones, or put more comprehensive cover in place. We can help you compare the choices and find a policy that suits your needs.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Over 50s Cover

Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Whole of Life Insurance

Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

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Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

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