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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.

You have the choice of whether to:

  • proceed without answering the questions for a policy with a standard premium/sum assured and a two-year qualifying period; or
  • complete the medical questions to see if you qualify for a discounted premium/increased sum assured and a six-month qualifying period.

    Please note: if you answer these questions you must answer them truthfully and accurately.

Do you wish to answer the medical questions?

Medical Questions

a.   Are you currently waiting for a diagnosis, a hospital or specialist appointment, the results of any investigations for any medical condition; or

b.   in the last 12 months have you had, or been diagnosed with:

  • a heart attack;
  • stroke;
  • cancer (or recurrence); or
  • a terminal illness?

If yes to either a. or b. please tick yes below and you will not need to answer Question 2.

If no to either a. or b, please tick no below and proceed to Question 2.

In the last five years have you had, or been diagnosed with, a heart attack, a stroke or cancer?

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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
    Choose the monthly premiums you want to pay;
  • Choice of cash lump sum
    Depending on the amount you wish to leave behind and the monthly premiums you want to pay;
  • Guaranteed acceptance
    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;
  • Optional medical questions
    You can proceed without answering any medical questions for a standard premium, sum assured and a two-year qualifying period. You also have the option to answer two medical questions to see if you qualify for a discounted premium/increased sum assured and a six-month qualifying period.
  • 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. Please see the Policy Summary for full details;
  • 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;
  • Excellent customer service
    A 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

  • Inflation will mean any payout will have less buying power in the future.
  • Depending on how long you live you could pay more in premiums than the value of the cash lump sum.
  • If you cancel your policy you will get nothing back.
  • This is not a funeral plan and does not guarantee to pay the full costs of your funeral. Instead, it pays out a cash lump sum that can be put towards it.

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.