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50 Plus plan from LV=

  • Guaranteed acceptance - no medical or health questions
  • Premiums starting from £7 a month (depending on age)
  • Full cover after just 12 months
An over 50s Married couple with their grandkids, dog, and member of the LV= legal team stood behind the LV= heart

Welcome TopCashBack customers

Our 50 Plus plan is an easy way to leave your loved ones with a cash lump sum when you're no longer around. This could help towards funeral costs, unpaid bills or provide a financial legacy for your grandchildren.


Cover features

  • Cover starts from £7 a month (depending on age).
  • Buy online to receive your cashback
  • Guaranteed acceptance if you're aged 50 to 80 and living in the UK.
  • No medical or health questions.
  • Choose a free gift when you apply.
  • £1,000 minimum amount of cover.
  • Funeral Benefit Option – get an additional £300 contribution, please read our brochure for more information.
  • You won't pay any premiums from the policy anniversary after your 90th birthday, but your cover will continue.
  • Fixed premium that won't go up and your cover will never go down no matter what happens to your health.

Important information

  • Maximum of £25,000 of cover available.
  • You're fully covered after the first year. If you die before this we may only pay you the premiums you've paid into your plan.
  • Depending on how long you live you may pay more in premiums than we pay out when you die.
  • This isn't a savings plan - and it has no cash-in value. If you stop paying you won't get anything back.
  • Your amount of cover is fixed when your plan starts, so it won't keep up with inflation and will buy less in the future.
  • Payment normally goes to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2016/17 to 2017/18).
  • The offer of a free gift is limited to one gift per person. It will be sent within 28 days of us receiving your third monthly premium. We may change or withdraw this offer at any time. Terms and conditions apply.
  • If you have already taken out the Funeral Benefit Option on a previous plan, you may not be able to take out this option on further plans.

Reasons to use LV= Doctor Services app

When you take out a new policy with us, you will gain access to the LV= Doctor Services, getting the medical advice and treatment you need (including for your children up to age 16):

  • Simple to use - one app, three expert medical services.
  • Easy access - to a leading network of 5000+ UK health professionals at your fingertips.
  • Serious illness or everyday health concerns - you can get expert medical advice for any health issue.
  • UK based professionals - you can speak to a doctor or specialist in the UK.
  • Convenient - see a doctor or specialist from the comfort of your home, office or anywhere in the world!
  • No added cost - you won’t pay any consultation fees, or an insurance excess.

LV= Doctor Services is a non-contractual benefit and can be changed or removed at any time.

Our 50 Plus life insurance application is quick and easy

Please note, the information on this page shouldn't be considered as advice. It's up to you to decide if the product is suitable for you. If you have any doubts you should speak to a financial adviser.

Cashback terms and conditions

  • Cashback is only available on policies over £7 a month purchased through this website. It is not available for purchases made by telephone or post.
  • LV= may withdraw cashback where we determine, or reasonably believe the terms of the cashback offer are being abused in any way. We may also not give cashback for anyone who has previously held a 50 Plus plan, or similar policy with us, and cancelled it, or had it cancelled by us.
  • Cashback is paid once a genuine application is validated and six consecutive months'' premiums have been collected. Please be aware that cashback payment could take up to 8 months.
  • If you cancel your policy within this period your cashback will not be paid.
  • Your cashback will be paid directly through the affiliate website you have bought your LV= 50 Plus plan through. If you have any queries about your cashback, please contact TopCashBack, not LV=.
  • This offer may be withdrawn or amended at any time.

If you'd like more information, you can speak to one of our sales agents on 0800 022 3933, quoting offer code WYHJ. For textphone dial 18001 0800 022 3933.

Please note that if you do apply for the 50 Plus plan over the phone you won't receive any cashback, but will still be entitled to your free gift.

We may record and/or monitor calls for training and audit purposes.

Why Choose LV=?

  • TopCashBack cashback (terms and conditions apply).
  • Free welcome gift.
  • 170 years experience.
  • Full cover after just one year with 100% of claims paid.
  • Easy claims process.

Complimentary Gift

Complimentary gift after your plan starts

Images of an Amazon, M&S and Argos gift card for the over 50 life insurance complimentary gift

*Amazon T&C's

* is not a sponsor of this Promotion. For complete gift certificate terms and conditions, see All Amazon ®, ™ & © are IP of, Inc. or its affiliates.