People in the UK are living longer than ever, which makes planning for the future even important. Our over 50s life insurance is a simple and affordable way to help you do that. Here are some frequently asked questions we've been asked about our 50 Plus plan which you may find helpful before making your decision.
There are a few key differences between life insurance and 50 Plus insurance. Life insurance pays a lump sum if you die within a set time frame, agreed when you take out the policy. 50 Plus insurance doesn't depend on any set time frame and will pay out whenever you die (you are fully covered after one year - if you die before, we'll pay back the premiums paid into your plan).
Find out more about the differences between life insurance and 50 Plus insurance.
There are many factors to take into consideration when planning a funeral but we have done some research on the cost of a funeral here.
The amount of cover you get for your 50 Plus plan monthly premium depends on your age. You can get cover of up to £25,000.
It's never too late to plan for your future and take out life insurance, but as you get older you may find it more difficult to get the cover you want, particularly if you're in poor health or have suffered a serious illness.
Maybe your house is paid off and your kids have graduated from university, but you still want your spouse to be taken care of. You might also be concerned about your family's ability to pay your debts or funeral costs if you weren't around. You may even wish to leave a small sum of money to your children or grandchildren. There are many reasons for people over 50 to take out life insurance.
That’s why we offer our 50 Plus plan, which guarantees to accept you as long as you are aged 50 to 80 and a UK resident.
Unlike traditional life assurance, you can get covered with our 50 Plus plan regardless of any current health issues. You don't have to complete a lengthy questionnaire or take a medical before you get cover from us.
When someone dies, it's a time of sadness. Yet there are practical things that need to be done – some of them simultaneously and quite soon. This can be very painful when grief and emotions are at their highest. You can help ease the strain on those left behind by planning your funeral in advance – and making sure that funds are available to pay for it.
Visit our section dedicated to helping you make a claim on an over 50 life insurance product. Here you will find our phone number, email and postal address.
If you have a question which isn't answered above, you might like to search our interactive FAQs.
If you still can't find the answer you're looking for, you can contact us.
Please note that if your question is specific to your plan and not covered above, you may need to refer to your original plan documents or call one of our trained service agents.
Call our friendly UK-based team for more information or a quote:
0800 197 0517
Quoting offer code IELO
Textphone: 18001 0800 197 0517
8am - 8pm Monday to Friday
8am - 4pm on Saturday
We may record and / or monitor calls for training and audit purposes.
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