Ease the financial burden on your family when you’re gone. For a small monthly payment an Over 50s Life Cover policy is a simple way for you to help cover costs at a difficult time, or to provide a gift to your loved ones.
Over 50s Life Cover is provided and administered by Royal London – the UK’s largest mutual life and pensions company, with over 150 years’ experience in helping families at difficult times.
Exclusions and limitations apply.
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The Over 50s Life Cover has a safety features not offered by many other providers. If you're struggling to meet your monthly payment and you're at least halfway through paying for your policy you can stop making payments and your family will still receive a payout in the event of your death.
That means if you take out cover when you are 60 years old, you are agreeing to make monthly payments up until the policy anniversary date after your 90th birthday. If you can no longer afford the payments after you turn 75, you will still get some money as you will have been paying for 15 years of your 30 year policy. If you need to stop making payments your family will still receive half of the payout when you pass away.
Your payment won’t increase
No medical for 50 to 80 year-old UK residents
Protected cover once half the policy has been paid
Making a claim is simple, Royal London has a dedicated UK-based claims line. Their trained staff will do everything to make sure your family’s claim goes as smoothly as possible.
You can contact our claims team on
If you’re feeling the pinch, you don’t need to stop paying and risk losing all your cover. You can reduce your payments to as little as £3.95 a month and keep paying. If you reduce your payments your payout will also reduce.
No, but you can have one each.
No, you can’t cash in your policy at any time. This policy only pays out in the event of your death.
Yes, you can cancel your policy at any time. If you cancel within 30 days of starting your cover, Royal London will refund any payments you’ve made. If you cancel after that, you won’t receive any refund.
If you feel you can no longer afford your cover, Royal London may be able to reduce your payments. If you stop making payments before you’re halfway through the payment term, your cover will end with no refund. If you’re halfway through paying for your policy and need to stop paying, your family will still receive a payout.
No. It's worth considering inflation though, as prices increase over time the payout you choose today may not be enough for your family in the future. If you would like a bigger payout, you can apply to take out an extra policy for as little as £1 a month. The maximum cover you can have is £10,000 or a maximum monthly payment of £100.
You pay until the policy anniversary date after you turn 90 years of age or until you pass away, whichever comes first. Depending on how long you live for, you could pay more than the money which is paid out when you die.
(Open 8am-7pm Monday-Friday, Saturday 9am-5pm and Sunday 10am-4pm)
Over 50s Life Cover is provided and administered by The Royal London Group. The Royal London Group consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. Registered in England and Wales number 99064. Registered office 55 Gracechurch Street, London, EC3V 0RL.