Life Insurance | Life Insurance For Ages 50-80

Our Over 50s Guaranteed Life Assurance Plan pays out a lump sum of money that you can leave to your family when you pass away. If you are a UK resident and either a non-smoker aged between 50-80 years old or a smoker aged between 50-75 years old, you are guaranteed to be accepted.

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Our definition of a smoker is someone who has used any tobacco related products including nicotine patches, gum and e-cigarettes within the past 12 months.

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Why National Friendly?


We are owned by our members and so our profits are invested in improving member benefits and services instead of paying shareholders.

Becoming a policyholder means you also become a member of our Society. Being a member gives you access to a range of benefits including discounted care advice from Grace Consulting and advice on wills and estate administration from the Co-op.

We are proud to have stood the test of time and are still going strong after 150 years.

Why choose National Friendly’s Guaranteed Life Assurance Plan?

  • Choice of monthly premiums
    Ranging from £20 to £100 per month.
  • Choice of cash lump sum
    Depending on the amount you wish to leave behind and the monthly premiums you want to pay.
  • Guaranteed acceptance
    No medical questions. If you are a UK resident aged between 50-80 years old, you are guaranteed to be accepted.
  • Accidental death
    If you die following an accident during the first two years of your policy and death is within 90 days of the accident as a result of your injuries, we will pay out the cash lump sum.  
  • Non-accidental death
    We will pay a cash lump sum on your death once you’ve had the policy for at least two years. If you die within the first two years other than the result of an accident, we will pay back 150% of the premiums you have paid to date.
  • Beneficiary options
    you can nominate a beneficiary (or beneficiaries) to receive up to £5,000 upon death, or the policy can be placed in trust which may have certain tax advantages.
  • Excellent customer service
    Sympathetic approach from our helpful staff.
  • Simple claims process
    Your claimant will complete and return a form to us together with any additional information we need. Once approved, we will pay the cash lump sum without further ado.

Things to consider

  • There is no cash-in value at any time.
  • Depending on how long you live, you could pay in more than the cash sum paid out.
  • The Guaranteed Life Assurance Plan is not a pre-paid funeral plan and does not guarantee to meet your funeral costs.
  • The cash sum is fixed, so inflation will reduce its value over time.
  • If you stop paying premiums when due the policy will end and you will get nothing back.
  • The cash lump sum is only paid out on death after 2 years or under our definition of accidental death.

In 2018, we paid out 100% of all death claims after receiving all requested documentation.*

During 2018, our Customer Services team answered 91% of calls within 20 seconds.**

During 2018, our Customer Services team responded to 91% of written enquiries within 5 working days.***

* Based on 764 death claims.
** Based on 16,499 telephone calls.
*** Based on 27,904 cases completed.