Over 50s Life Cover

The guaranteed way for your clients to leave money for their loved ones when they die

0333 014 6244

Arranging Over 50s Life Cover for your clients

We offer guaranteed cover to non-smokers aged 50 to 80 or smokers aged 50 to 75.

If your client is looking for a straightforward policy where they make monthly payments in return for a payout when they die, this could be the right option for them. The money can go towards their funeral costs or be spent however their loved ones wish.

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What we offer

Your clients could be fully covered after just six months

One of the lowest qualifying periods in the market

Guaranteed acceptance

Even for those with existing medical conditions

Potential for an increased payout

By answering just two medical questions

Over 50s Life Cover benefits

  • Your clients don’t have to answer any medical questions and they’ll still be guaranteed cover.
  • If they choose to answer the two medical questions, they might qualify for an increased payout.
  • They’ll get free access to Friendly GP, our virtual GP service where they can get medical help online or over the phone 24 hours a day, 7 days a week.
  • Their qualifying period could be as low as six months.
  • If they die from an accident during their qualifying period, we’ll double the payout amount. This will only apply if they die as a result of their injuries within 30 days of the accident.
  • If they die during their qualifying period but it wasn’t due to an accident, we’ll pay back all the payments they’ve made.
  • We offer a terminal illness benefit where we pay half the payout directly to your client if they get a terminal illness diagnosis two years or more after taking out their policy. The rest is paid out as normal when they die.
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Free access to Friendly GP

Our virtual GP service, Friendly GP, is a free added benefit to all our Over 50s Life Cover policies.

It can be accessed over the phone or online 24 hours a day, 7 days a week so your clients can always speak to a doctor when they need one.

  • 24/7 unlimited GP telephone consultations
  • Video consultations
  • Private prescriptions
  • Open referrals

Your questions answered

We offer guaranteed cover to non-smokers aged 50 to 80 or smokers aged 50 to 75.

They can choose to answer our two medical questions or not.

If they don’t answer them, they’ll be offered a two-year qualifying period as standard.

If they do choose to answer them, they could be offered an increased payout and only a six-month qualifying period.

Our standard qualifying period is two years. But if your clients answer the two medical questions we ask, this could change to just six months.

They’ll have to make the payments for their policy for the rest of their life.

Every policy comes with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.

Any other questions?

If there’s anything else you want to know, please give us a call on 0333 014 6244 and we’ll be happy to help.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

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Next steps

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Our easy online journey makes arranging cover quick and straightforward.

Choose this option if you:
  • Already have a login
  • Want an instant quote
  • Would like to see what their payments and payout could be
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Apply to work with us

Get access to our quote calculators, online application forms and useful collateral.

  • Fill in an application today
  • Give our Broker Support team a call if you have any questions
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0333 014 6244

Monday to Friday / 9am – 5pm

Important information

  • Inflation will mean any payout will have less buying power in the future.
  • Depending on how long your client lives, they could pay more in than the value of their payout.
  • If your client cancels their policy after the first 30 days, they’ll get nothing back.
  • This is not a funeral plan and does not guarantee to pay the full costs of a funeral. Instead, it pays out a lump sum that can be put towards it.
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