What Is Over 50S Life Assurance ?
You can take out a single policy on your own life, or you can choose a joint policy to include your partner. Our joint policy allows you to choose different benefit amounts for you and your partner to suit your needs. This means that both benefit amounts could be paid out to your loved ones.
Five reason why to buy life cover
1. Start from only 1.50 a month - that's just 5 p a day! 2. Flexible payments - reduce your cover to bring your payments down. Some won't let you do this.
3. 3 times your benefit amount up to 60,000 - if death is due to an accident,
4. Guaranteed acceptance - no medical or health questions and if you are a UK resident aged 50-80, you are guaranteed to be accepted, 5. Immediate cover - for accidental death and cover for death by any cause after just 24 months,
Peace of mind for you and your family
Many of the big insurers offer over-50s life insurance, which pays out a cash sum when you die. The big advantage of an over-50s policy is that acceptance is guaranteed. You don't have to answer any health questions or pass any medical test.
And Accidental Death Benefit means we'll pay the full cash sum if you die as the result of an accident, even if you've had your plan for less than two years. No medical, guaranteed (if you're aged 50-85 and a UK resident). Fixed premiums start from just 1.50 a month - the lowest in the market.
Why not tailor your plan?
Another advantage of life insurance for the over-50s is that the premiums are usually fixed. This means you can choose a premium that suits your budget and desired level of cover and it will generally stay the same price. There are premiums to suit most budgets, with monthly payments starting from around 10 and going up to about 50.
No one's needs are the same, so we offer two products.
When you take out over-50s life insurance, you must keep up the monthly payments otherwise your cover will lapse. This means that if you miss a payment, you'll no longer be covered and you won't get any of the money back that you've paid in.
We are the only life insurance provider in the UK to offer the choice of the Lifetime Payback Guarantee. Your premiums will depend on your age at the start date of the policy and will be fixed and guaranteed not to change.
You should choose a premium that you're comfortable paying - if you stop paying towards your plan, we would have to cancel your plan and you wouldn't get anything back. You should also remember that, depending on how long you live, you could pay in more than the cash sum we pay out.
The other disadvantage of a fixed payout is that the amount could potentially be eroded by inflation. The lump sum may seem a lot when you sign up for the policy, but will it still have the same financial significance 20 or 30 years down the line?
Immediate cover for accidental death
As soon as your Over 50s Life Insurance policy is set up, you'll be covered for accidental death. For the first 24 months, a benefit amount will only be paid in the event of accidental death.
What is over-50s life insurance?
If you die as a result of an accident anytime during your policy, we will pay out 3 times your selected benefit amount. This means if you select a 10,000 benefit amount and you die as the result of an accident, we will pay out 30,000.
Five reason why to buy life cover
1. Start from only 1.50 a month - that's just 5 p a day! 2. Flexible payments - reduce your cover to bring your payments down. Some won't let you do this.
3. 3 times your benefit amount up to 60,000 - if death is due to an accident,
4. Guaranteed acceptance - no medical or health questions and if you are a UK resident aged 50-80, you are guaranteed to be accepted, 5. Immediate cover - for accidental death and cover for death by any cause after just 24 months,
Peace of mind for you and your family
Many of the big insurers offer over-50s life insurance, which pays out a cash sum when you die. The big advantage of an over-50s policy is that acceptance is guaranteed. You don't have to answer any health questions or pass any medical test.
And Accidental Death Benefit means we'll pay the full cash sum if you die as the result of an accident, even if you've had your plan for less than two years. No medical, guaranteed (if you're aged 50-85 and a UK resident). Fixed premiums start from just 1.50 a month - the lowest in the market.
Why not tailor your plan?
Another advantage of life insurance for the over-50s is that the premiums are usually fixed. This means you can choose a premium that suits your budget and desired level of cover and it will generally stay the same price. There are premiums to suit most budgets, with monthly payments starting from around 10 and going up to about 50.
No one's needs are the same, so we offer two products.
When you take out over-50s life insurance, you must keep up the monthly payments otherwise your cover will lapse. This means that if you miss a payment, you'll no longer be covered and you won't get any of the money back that you've paid in.
We are the only life insurance provider in the UK to offer the choice of the Lifetime Payback Guarantee. Your premiums will depend on your age at the start date of the policy and will be fixed and guaranteed not to change.
You should choose a premium that you're comfortable paying - if you stop paying towards your plan, we would have to cancel your plan and you wouldn't get anything back. You should also remember that, depending on how long you live, you could pay in more than the cash sum we pay out.
The other disadvantage of a fixed payout is that the amount could potentially be eroded by inflation. The lump sum may seem a lot when you sign up for the policy, but will it still have the same financial significance 20 or 30 years down the line?
Immediate cover for accidental death
As soon as your Over 50s Life Insurance policy is set up, you'll be covered for accidental death. For the first 24 months, a benefit amount will only be paid in the event of accidental death.
What is over-50s life insurance?
If you die as a result of an accident anytime during your policy, we will pay out 3 times your selected benefit amount. This means if you select a 10,000 benefit amount and you die as the result of an accident, we will pay out 30,000.
About the Author:
One of the key benefits of best over 50 life insurance is that there is no medical requirement when you apply, meaning that you will have guaranteed acceptance should you wish to take out a policy. Apply now for no medical life insurance .
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New Unique Article!
Title: What Is Over 50S Life Assurance ?
Author: Mark Robert
Email: adsites@uberarticles.com
Keywords: life insurance policy,life insurance plans,life cover,life insurance,insurance
Word Count: 600
Category: Finance
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