Over 50s Life Insurance

As a Legal & General shareholder, you get an additional 10% extra cover.

Why get Over 50 Life Insurance with Legal & General?

Our Over 50s Fixed Life Insurance could be an affordable way for you to leave some money for your loved ones after you die. It could be used to help settle unpaid bills, as a gift or to help towards the cost of a funeral.

We're proud that we are the UK's No.1 Life insurance provider¹ and we've been able to help protect families for over 180 years.

Some great reasons to choose us:

10% extra cover – as you’re a Legal & General shareholder
Guaranteed acceptance - with no medical questions asked
Fixed premiums - they’ll never go up and your cover won’t go down
Full cover after just one year - immediate cover for accidental death (T&C's apply).
100% of claims paid - most in 1 day.
Wellbeing Support. We want to help look after your wellbeing throughout the lifetime of your policy, that’s why we've partnered with RedArc Assured Limited whose registered nurses can provide you with a wide range of wellbeing services. Find out more.

It only takes a few minutes to get cover, so waste no time and get in touch today.

Getting your additional 10% extra cover

This offer applies to new policies purchased over the telephone.

Call us on 0800 107 6830 quoting the code SH050

Opening hours:

Monday to Friday 8:30am - 8pm
Saturday 9am - 1pm

We may record and monitor calls.

When you choose our plan, you can rest assured you're getting excellent cover that has a comprehensive amount of features and benefits.

Cover details

Over 50s Fixed Life Insurance at a glance

Premiums from £5 to £75 a month, depending on your age and smoker status. Choose a premium you can afford to give a cash sum that meets your needs.
Full cover payable after just one year. If you pass away within the first year, we will refund any premiums paid. However, if you die as a result of an accident then full cover will be paid.
Guaranteed acceptance with no medical for UK residents aged 50-80. There may be other products available if you want to answer further lifestyle and medical questions.
Your premiums won’t go up once you’ve taken out Over 50s Fixed Life Insurance.
Your cover will continue for the rest of your life, even though you stop paying premiums at age 90.
Flexibility to reduce your premiums if you’ve had your plan for a year and your circumstances have changed. The minimum premium applies.
You can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value across all Legal & General Over 50s Life Insurance plans doesn't exceed £10,000. It’s important to note that if you already have an existing plan taken out on or before 25 November 2017 please refer to your Policy Terms & Conditions for your total sum assured value.

Things you need to know

Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
This is not a savings or investment product and has no cash value unless a valid claim is made.
If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
The cash sum is fixed, so inflation will reduce its buying power in the future.
Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.
If you choose to reduce your premiums, your cash sum will also be reduced.

Please read the key documents before you apply.

What is Wellbeing Support?

The wellbeing of our customers is extremely important to us and that’s where Wellbeing Support comes in. We’ve partnered with RedArc Assured Limited, whose registered nurses can provide you with a wide range of wellbeing services. Here's some quick facts about our Wellbeing Support.

Support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.