Over 50s life insurance
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Over 50s life insurance
As you might guess from the name, over 50s life insurance is life insurance designed for those aged 50 and over. It’s a guaranteed way to leave a cash sum behind when you pass away, helping your loved ones to deal with the financial strain. It’s particularly popular with people who want to make sure their family can cover funeral costs, settle small debts or manage any expenses that arise after death, without financial stress. Over 50s life insurance is designed to be accessible and straightforward, making it a good choice for those who may struggle to get traditional life insurance due to age or existing health conditions.
At Everest Mortgages, we know how stressful it can be to think about what will happen when you’re gone, especially when it comes to your family carrying on and dealing with the financial fallout. That’s why we’re here to help you secure the ideal over 50s life insurance policy for you, so your family’s financial future is protected.
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What is over 50s life insurance?
Over 50s life insurance is a specialist policy created for people aged between 50 and 80. Unlike standard life insurance, everyone who meets the age and residency criteria is accepted automatically. There are no medical questions, no health assessments and no GP reports. You simply choose the premium you want to pay, and the insurer guarantees a fixed cash payout when you die. This money is paid to your loved ones and they can use it however they wish.
When other life insurance options may be limited, over 50s life insurance is there with guaranteed acceptance.
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The benefits of over 50s life insurance
Guaranteed acceptance
As over 50s life insurance has guaranteed acceptance, it’s perfect for those with pre-existing medical conditions or a history of illness who may struggle to get medically assessed life insurance.
Guaranteed payout
Unlike some types of life insurance, over 50s life insurance policies pay out whenever you die and there’s no fixed end date.
Affordable and fixed premiums
With over 50s life insurance, you pay a set amount each month, usually for life. You don’t have to worry about any surprise increases.
Simple way to support family
The payout from an over 50s life insurance policy can be used in a number of ways, supporting your family in whichever way they need. Payouts are often used to help cover funeral costs, legal fees, small outstanding bills and gifts to loved ones.
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Is over 50s life insurance right for you?
Over 50s life insurance is likely to suit you if you want:
- A guaranteed payout to help cover funeral costs.
- Quick and easy acceptance, regardless of health.
- Peace of mind knowing your family will receive something when you die.
- A fixed premium that’s easy to budget for.
There are many different types of life insurance, but many people find over 50s life insurance to be the ideal choice. With no need to worry about being turned down, and a guaranteed payout at the end, it’s a simple and straightforward approach to cover.
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