Royal London Over 50 Life Insurance is a simple way to leave your loved ones money when you die, as a gift or to help pay for your funeral. You can choose how much you want to pay each month, to leave behind up to £10,000 when you die.

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Over 50 Life Insurance can be a doddle

Get it done in 3 easy steps

1. Request a quote

Answer a few simple questions to get a guaranteed quote

2. Purchase your policy

Complete your application and purchase your policy

3. Apply for your gift

You can claim your gift after your eighth monthly payment

A doddle to understand…a doddle to get

Over 50 Life Insurance shouldn’t be complicated by lots of sub-clauses and small print. Thats why we work with Royal London, who provide straightforward and easy to understand Over 50 Life Insurance policies, it really is a doddle to take out.

Royal London have been helping and protecting customers since 1861, meaning your Over 50 Life Insurance will be provided by a stable company with an exceptional reputation. And as the UK’s largest mutual life and pensions company, you can be sure they will be there when your family need them the most.

Lets keep things simple, honest and a doddle to deal with

Do you want a simple way to make sure your loved ones can help towards paying for your funeral?

Would you like them to be able to do something special after you’ve gone?

Do you want a simple policy with transparent payments?

Get a no obligation quote
Or you can call on the phone if that’s easier for you

A doddle to set up

It’s a doddle to take out Over 50 Life Insurance (the clue’s in the name)

£100 gift

You will receive a welcome gift worth £100, which you can claim after 8 monthly payments

By Royal London

Royal London is the UK’s largest mutual life and pensions company. Your insurance is provided by a stable company with a superb reputation

Full cover after one year

That's right, you are fully insured after just one year

No medical

With no complex forms to fill in, cover is available without a medical for those aged 50-80 and are a UK resident

Payment holidays

Payment holidays are also possible after your first year

Covid-19 coverage

If you were to die from Covid (or any other pandemic viruses) any time after the first twelve months of your policy it will pay out

Payout promise

If you need to stop paying, your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy. That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first

Same payments

Once you agree to a monthly payment price, it will stay the same right the way through the payment term

Get a no obligation quote
Or you can call on the phone if that’s easier for you

Important things you should be aware of:

  1. Depending on how long you live, you could pay more in monthly payments than the amount of money we pay out when you die.
  2. The amount of money you choose stays the same, so inflation (the rising cost of goods and services) will reduce its value over time.
  3. This insurance only pays out when you die. It can’t be cashed in at any time.
  4. It may not pay out enough for all your funeral costs
  5. If you die from an accident covered by the policy in the first 12 months, Royal London will pay the full amount of money. If you die in the first 12 months and your death was not accidental, Royal London will return the payments that have been made to them for your policy.
  6. After 12 months Royal London will pay the full amount of money regardless of the cause of death.
  7. If you stop making your payments before you’re halfway through paying, your insurance will end and you’ll get nothing back.

Frequently asked questions about Over 50 Life Insurance

Whatever your question, Royal London have got you covered.

What is Over 50 Life Insurance?


Over 50 life Insurance is a simple way to leave your loved ones money when you die, as a gift or to help pay for your funeral.

How does Over 50 Life Insurance work?


Choose how much you can afford to pay each month, so you can leave your family money when you die, or to help with your funeral costs. The maximum payout you can get is £10,000. The more you pay each month, the bigger the payout your family could get.

How much insurance can I have?


You can have more than one Royal London Over 50 Life Insurance policy, but you cannot exceed the total payout amount of £10,000. If you then want to leave more money for your family at a later date you may be able to take out an extra policy from just £1.

Does Over 50 Life Insurance cover death from coronavirus?


Yes, you’re covered for any death, including death resulting from coronavirus, after your first year, as long as your payments are up to date.

I’m over 60 and looking for life insurance. Do I qualify?


Yes. As long as you’re aged 50 to 80 and a UK resident, you qualify for Over 50 Life Insurance from Royal London.

What happens if I die during or after my first year?


If you die in the first year of your policy, Royal London return your payments. However, if you die in an accident (as defined in the terms and conditions), in the first year of your policy, Royal London pay out the full amount.
If you die after the first year of your policy, the full sum assured will be paid out.

How long do I pay for Over 50 Life Insurance?


Royal London will automatically stop collecting payments on the policy anniversary following your 95th birthday, or if you die, whichever comes first, but your insurance will continue for the rest of your life.

What if I need to take a payment holiday?


If you stop paying altogether you could lose your insurance. Royal London want to keep you covered and Over 50 Life Insurance has ways to help you do that:

Flexible payments – you can reduce your monthly payments by bringing down your payout amount, as long as you’re paying at least £3.95 a month.

Payment holiday – After your first year, you can have a break from making your monthly payments for up to six months – and still stay insured. Not all providers let you do this. You’ll have to make up the missed payments or reduce your payout amount after your payment holiday finishes. You can have up to two payment holidays during your policy – only one can be taken within any twelve-month period.

Payout Promise – If you need to stop paying altogether, Royal London promise that your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy. That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first. Many don’t give you this protection.

What is Doddle’s relationship to Royal London?


If you go on to buy from Royal London from this web site, Doddle will receive a single commission payment from Royal London if you take out a policy for the introduction. The amount of commission is a fixed percentage of the total payments you make to Royal London in one year. This doesn’t affect the amount you pay for this cover.

*Choose a thank you gift when you buy a policy paying at least £7 a month as a new customer. After 8 payments, redeem your £100 cash via a cheque or £100 Amazon gift card. Full terms and conditions and retailer restrictions apply.

Get a free quote


Happier talking to an actual person?Here’s the number to call Royal London on:

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