Life Cover for over 50’s

Guaranteed Cover

  • 50% of over 50’s in the UK have no life cover
  • 33% of over 50’s have not made a will
  • 82% have made no provision or arrangements for their own funeral

Sources: Mintel

Their are many reasons why people over 50 do not consider thinking of starting a life policy to pay for a funeral.

  • The expectation of a high premium
  • A belief that the estate will have sufficient funds to pay any costs
  • Pre-existing health conditions may lead people to think they may not be accepted.
  • The thought of a medical being required.


Fear no more of being rejected for life cover:

Guaranteed acceptance is available to all over 50’s, irrespective of any health condition.

No underwriting required regardless of any pre-existing conditions or previous health issues.

No medical required which means life cover is accepted immediatly

Premiums  as low as £10 per month

£36,296 maximum amount of cover available

100% payout in the event of being diagnosed terminally ill

Other benefits include

  • £250 contribution towards funeral costs via Co-operative if service is arranged with them.
  • Free support services provided by RED ARC
  • Available to all UK residents aged 50 to 80
  • Free guidance from GRACE Consulting to help identify any long term care services that are needed.
  • Premiums are guaranteed never to rise.
  • 20% of the life cover will be paid out if a serious illness (serious illness as stated in terms and conditions of policy) is diagnosed. The remaining sum assured will be reduced by 20%

The average cost of a burial in England is £3,744, a cremation is £2,063 according to Brass Research on behalf of Engage Mutual Assurance.

The average cost of a funeral have increased by 61% between 2004 and 2011:

Source Mintel

For more information or you wish to discuss further please contact:

Tel Number: 01708 640855


Twitter: @LifestyleFinMan

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