Over 50s Non-Medical Life Insurance

Learn about over 50s life insurance and how it works

What is Over 50s Life Insurance?

Over 50s Non-Medical life insurance is a policy where you’re guaranteed to be accepted if you’re between the ages of 50 and 80. Because it’s a non-medical plan, this means you don’t have to submit a doctor’s report or agree to a medical examination before taking out the policy, making this policy suitable for those who may have been unsuccessful applying for other forms of life insurance cover.

An Over 50s life insurance plan lets you rest easy knowing that your funeral expenses could be paid for or you could use the money to help your loved ones.

Why should I choose Over 50s Life Insurance?

An Over 50s life insurance plan could be a suitable way for you to get covered if you’ve struggled getting life insurance policies due to a medical condition. This is because Over 50s plans don’t require you to go through a medical examination before being approved for cover.

Over 50s cover can be classified as a type of Whole of Life policy, which means it has no expiration date and will pay-out whenever you die, so long as you’ve kept up with the premium payments. Your premium payments will stop when you reach 90 years of age and you will then have free cover for the rest of your life.

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What are the benefits of Over 50s Non-Medical cover?

You’re guaranteed to be accepted for an Over 50s policy because there’s no requirement to have a medical examination – this may be suitable if you have a pre-existing medical condition that would otherwise make getting life insurance a difficult and trying ordeal. This means you can have peace of mind knowing that you are covered despite any health conditions which could otherwise impair getting a life insurance policy.

Are there any considerations with an Over 50s policy?

Over 50s life insurance policies can be expensive – if you’re in relatively good health it may work out cheaper and more comprehensive to consider a Whole of Life plan.

There’s usually a 1-or-2-year moratorium period where the insurer will not pay-out if you pass away during that time. This is usually at the start of the policy and means that the insurer will only pay-out if your death is ruled to be accidental.

You could also consider a level term policy or a mortgage protection policy if your health isn’t an issue and you only want the cover for a set amount of time.

Typically, protection plans have no cash-in value and cover will cease at the end of the term, or if premiums are not maintained.

At Protect Line we offer a free Trust arrangement service so that your loved ones will be able to access the total insurance amount as soon as it’s made available and could mean they avoid a hefty inheritance tax.

Taxation and Trust planning are not regulated by the Financial Conduct Authority.

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What affects the cost of an Over 50s policy?

An Over 50s policy will ignore your medical history, but unfortunately that does mean you’ll be paying more for your premiums because you’re seen as more of a risk by the insurer.

You can find out more information by visiting our High-Risk Factors page.

How do I get Over 50s Life Insurance?

Taking out an Over 50s life insurance policy with Protect Line couldn't be simpler. You can call us directly on 0333 880 3030. We're a non-advisory service, so whilst we can't offer you any advice, we can answer your questions with facts, not our opinions.

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