Features of Life Insurance for the Over 50s

Fixed Monthly Premiums – All our top insurers fix your premium for the life of the policy
Guaranteed pay out – Whole of Life Insurance so no risk of you outliving a term
Free after 90 – If you live past 90, you will be still be covered but you won’t have to make any more premiums
Guaranteed Acceptance – No health or medical questions to answer
Trust Service – For no extra cost our experts can help you put your policy in trust meaning no Inheritance Tax to pay

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Important Information From Legal and General

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.
Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
After your 90th birthday you will stop paying premiums but your cover will continue.
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.
This is not a savings or investment product and has no cash value until a valid claim is made.
On fixed plans inflation will reduce the buying power of your cash sum in the future.

With the Increasing Plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Premiums will also be reviewed each year and will increase by the change in RPI multiplied by 1.5. If you’re worried you won’t be able to afford the increases in premium, you can decline the increase following your annual review. If you do this the cash sum and premium will remain fixed at that point. If you decline, inflation will reduce the buying power of the cash sum in the future. You won’t be able to increase your cash sum or premium in future years.