Training Example: Legal & General – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H1] Invest in your future
A simple investment ISA solution to help you potentially grow your savingsOpen a Stocks and Shares ISA account
[H2] Investments
A simple investment ISA solution to help you save and invest for the future. Investments Stocks and Shares ISA Our services ISA allowance Understanding risk Contact us
[H2] Pensions & Retirement
Explore turning your retirement plans into reality with one of our retirement products. Pensions & Retirement Retirement products Your retirement income Saving for retirement Later life mortgages Existing customers
[H2] Insurance
Sometimes life can be unpredictable but we're here to help you plan for the unexpected. Insurance Life Insurance Decreasing Life Insurance Critical Illness Cover Over 50 Life Insurance Existing customers
[H2] Get a quote
Just want to know how much it costs? Get a quote now.
[H2] Contact us
Looking to speak to a friendly human? We're here to help.
[H2] Log into My Account
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[H2] Personal Pension
Invest in a Self-Invested Personal Pension from just £100 with our easy-to-use online account. Benefit from 25% tax relief on your contributions as a basic-rate UK taxpayer.
The value of your pension may fall as well as rise and is not guaranteed.        Get started today
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[H2] Financial health check for divorce
Divorce has a financial as well as an emotional cost and can have a big impact. Our tool will help you think through them and flag up some details that are important not to miss.Try it now
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[H2] Over 50 Life Insurance
This cover can be an affordable way to leave money for your loved ones. If you’re aged 50 to 80 and a UK resident, you can take out cover in minutes.Discover more
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[H2] Life insurance
Providing for your loved ones is so important. You can help financially protect them with the UK’s number one Life Insurance provider from only £5 a month.
Get a quote today
[H2] Articles and features
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[H2] What does your happy retirement look like?
Ever wondered what your dream retirement lifestyle could look like? Our new retirement quiz draws on our in-depth retirement research to help you understand.Find out more
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[H2] A little bit richer podcast
Listen to our new season with Iona Bain and guests talking about money. If you're thinking of big milestones, perhaps a new home, a family, early retirement or all of these, we'll help you get a grip on your financial future.Listen now
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[H2] How are life insurance premiums calculated?
When you research the cost of life insurance, you may hear the word ‘premiums’ and wonder what this means. So, what is a life insurance premium and how are life insurance costs calculated? To help you get the protection you need, let’s take a look at some of the factors that affect life insurance rates.Find out more
[H2] News from L&G
[H2] L&G’s Lifetime Advantage Funds hits £25bn and surpasses 10% private markets allocation
The milestones represent a pivotal step in the growth of the Defined Contribution (“DC”) default fund and private markets accessibility.Read more
[H2] L&G paid out over £1.388bn protection claims in 2025
L&G paid an average of £3.8 million in protection claims a day last year, amounting to £1.388 billion in total.Read more
[H2] L&G appoints Rob Groves as Chief Investment Officer for Institutional Retirement business
L&G has today announced the appointment of Rob Groves as Chief Investment Officer (‘CIO’) of its Institutional Retirement business, a global leader in Pension Risk Transfer (‘PRT’).Read more
[H2] Our product range
Investments Pensions & Retirement Insurance Other links Investments Stocks and Shares ISA Our services Contact us Pensions & Retirement Saving for retirement Ways to take your pension Lifetime Mortgages Retirement Planner Retirement Income Calculator Equity release calculator Contact us Insurance Life Insurance Decreasing Life Insurance Critical Illness Cover Over 50 Life Insurance Income Protection Business Protection Contact us Other links Surveying Services

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[H1] Pensions & Retirement support
[H2] Pensions & Retirement FAQs
[H2] Lifetime mortgages
Discover your options for releasing money, making repayments or transferring your mortgage to a new home. Drawdown Further Advance Making payments Moving home
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[H2] Drawdown
The difference between the initial cash sum you’ve taken and the maximum amount you could take is your Drawdown Facility.
Your annual statement will show if you can apply for a drawdown.Information on lifetime mortgage drawdownApply
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[H2] Further Advance
If you don't have the option to take a drawdown payment but the value of your home has increased significantly since you took out your lifetime mortgage, you may be able to release more equity.
This is known as a Further Advance.Information on getting a Further AdvanceEnquiry form
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[H2] Making payments
If you have money available, you can choose to repay all or part of your lifetime mortgage at any time.
Payments may be subject to an Early Repayment Charge. Partial repaymentsRepaying in full
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[H2] Moving home
If you’re thinking about moving home, you may be able to transfer your lifetime mortgage to a new property. You must let us know before making any commitments to be sure that this is possible.
You can find out more or notify us using the enquiry form.Information on moving homeEnquiry form
[H2] Financial help
Discover more help with your finances, such managing your pension online and finding a financial adviser. Your online account Your P60 statement Find a financial adviser Supporting Ukraine
[H2] Your online account
[H3] The easiest way to manage your pension is using your secure online account. You can do things like updating your details or checking your benefits, all without having to call.
Individual pension - Log in / RegisterWorkplace pension - Log in / Register
[H2] Workplace pension
[H3] Log in or register to check the value of your pension pot and view your investment options.
Log in / Register
[H2] Your P60 statement
[H3] Find out why you are sent a P60 and why you need to keep it, plus get details of who to contact if you need more information.
Read more
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[H2] Find a financial adviser
[H3] Here are some useful links to help you find some independent advice.
FCA register Institute of financial planning Personal finance society Unbiased Vouched for
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[H2] Supporting Ukraine
[H3] We're fully supportive of the Government’s Homes for Ukraine scheme.
You can register your interest below and, if you're successful in an application and are matched with an individual or family, please let us know by calling us on:
[H2] 0333 044 8444
Homes for Ukraine
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[H2] Further support
Defined benefit pensions Stay ahead of scams Bereavement support Making a complaint Care Concierge
[H2] Defined benefit pensions
[H3] A defined benefit pension offers you a set benefit each year after you retire.
How much retirement income you might receive is determined by the rules of the pension scheme, rather than the amount you’ve paid in.
Read more
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[H2] Stay ahead of scams
We do everything we can to protect your money, but it's important you stay alert to avoid scams.
If you think you've been affected by fraud, you should contact Action Fraud police on:
[H2] 0300 123 2040
or call the police directly on 101.
You can also contact us on 01737 370370 or, for more general help and advice about scams, please click below.Read more
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[H2] Help when you need it
Handling the finances when someone has passed away can be daunting, and far from easy. We'll do everything we can to make it as simple as possible.
We're here to guide you through each step:
How to let us know
Which documents you'll need
What happens next
How to contact us if you need any help.
Bereavement support
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[H2] Let us know something has gone wrong
We work hard to give you the best possible service but if we've let you down, please tell us. We'll try to make things right as quickly as we can.How to make a complaint
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[H2] Care Concierge
If you think that you or someone you know might need care, it can be difficult to know where to start looking or what your options are. Care Concierge is a confidential telephone guidance service that can help you understand and find adult or later life care.
Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.Care Concierge
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[H2] Still need help?
Here's how to get in touch
[H2] Pensions
Get help with individual or workplace pensions, annuities and other income products.Contact us
[H2] Later life mortgages
Find support with a lifetime mortgage, including drawdown, repayments and equity release.Contact us
[H2] Pension transfers
Find out how to get in touch if you've got a workplace pension being transferred to us.Contact us

[IMG: 5 star Defaqto rated life insurance with L&G. Get a £100 gift card when you apply]
[H1] Life Insurance
Cover from only £5 a month
Choose the cover you need
Rated 'Excellent' on Trustpilot
Life insurance plan details Get a quote in 2 minutesRetrieve a quote Trustpilot TrustpilotOur life insurance has an ‘Excellent’ star label, rated 4.4 stars out of 5. Read reviews from customers like you.Reviewed by Lisa Redman on 21 April 2026.
[H2] What is Life Insurance?
Think of life insurance like a safety net that helps protect your family financially when you’re no longer here. It pays out if you pass away while covered by the policy or are diagnosed with a terminal illness and your life expectancy is less than 12 months. The payout from a life insurance policy can help your loved ones manage outstanding debts such as the mortgage and keep up with the monthly bills and childcare costs.

[H3] Getting a life insurance quote online is quick and easy
Get a free quoteOr call us free on 0800 316 55918:30am to 8pm Monday to Friday9am to 1pm Saturday
We may record and monitor calls
[H2] Life Insurance - uncovered
Life insurance can provide welcome financial protection for your loved ones, but what is life insurance and how does it work? Our expert Barry explains all.
[IMG: Barry - Life insurance expert]
[H3] You can hear more about Life Insurance and how it works from our expert Barry, in this short video.
22 Dec 2025 / 01:34
[H2] How does Life Insurance work?
Flexible cover. Choose the amount of life insurance you need or how much you can afford to pay each month and how long you need it for. Unless you change your cover, the amount you pay will never change, so you can budget accordingly.
Who is the policy for? Decide if you want a policy in joint or single names.
Eligibility. To apply you need to be a UK resident aged between 18 and 77. If you choose to add Critical Illness Cover to your policy you can apply up to age 67.
Get extra protection. You can add Critical Illness Cover when applying, for an extra cost.
Option to put your plan in trust. A life insurance trust lets you manage the way your beneficiaries receive their inheritance.
Get a cash sum if the worst happens. Your loved ones will receive a cash sum if a valid claim is made, they can use it to cover things like household bills, keeping a roof over their head and support with everyday living.
[H2] Life Insurance cover details
[H2] What's covered
Cash lump sum payment – you choose how much cover you need and how long you need it for. We’ll pay out a cash sum if you were to pass away after a valid claim is made.
Guaranteed premiums which can be made monthly or annually. They won’t change unless you make changes to the policy.
Accidental Death Benefit at no extra cost. We’ll cover you while we process your application, giving you peace of mind that you’re covered in case of accidental death. Terms and conditions apply.
Free Life Cover included at no extra cost. If you’re moving home, we offer free life cover between exchange of contracts and completion of your property purchase. In Scotland we provide the free cover from when you complete missives for your chosen property until the date of entry. Terms and conditions apply.
Terminal Illness Cover – you're covered from day one of your policy starting. We will pay out if you're diagnosed with a terminal illness that meets our definition. See the Policy Terms and Conditions for more information.
Joint life separation – should you divorce/dissolve a registered civil partnership we can cancel your policy and set up two single policies. Terms and conditions apply.
Critical Illness Cover – for an extra cost you have the option to add this when you take out your life insurance policy.
[H2] Things you need to know
Not paying your premiums. If you stop paying premiums when due, your plan will be cancelled and you won't get anything back
No cash value. This is not a savings or investment product and has no cash value unless a valid claim is made.
Suicide or intentional self-injury in the first year. The policy will be cancelled if within the first year you die as a result of suicide or intentional and serious self-injury or an event where, in our reasonable opinion, you took your own life.
You're covered only for the policy term. You're covered for your chosen length of policy until the expiry date, unless the amount of cover is paid out, or the policy is cancelled by you or us. Cover will stop when the policy ends and no further premiums will be payable.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your cover amount is adjusted to match any new mortgage arrangements. If you take out Decreasing Life Insurance you should also check that the interest rate on your mortgage does not become higher than the rate applied to the policy. The rate will be shown in your Personal quote or the Policy documents.
Policy documents
See a full list of what is and isn't covered in our policy documents before you apply. If you are an existing customer please refer to your policy documents for details of your cover.pdf - 314.97 KBPolicy Summarypdf - 355.84 KBPolicy Terms and Conditions
[H2] Life insurance calculator
Our life insurance calculator is the easiest way to estimate how much cover you may need to financially protect your loved ones.Calculate your life insurance
[IMG: Life insurance welcome gift card]
[H2] £100 gift card after you take out cover
Restrictions apply - Read more on AmazonRead the gift card T&Cs
[H2] Get a free Life Insurance quote online today
Get a free quote in 2 minutes
[H2] Why choose Life Insurance?
[H2] Financial support
Helping to secure your family's future even if you have limited savings. Supporting your family to carry on without you.
[H2] From only £5 a month
Tell us about the cover you want for a personalised quote.
[H2] Peace of mind
Help reduce your family's stress and money worries at a difficult time.
[H2] How much life insurance could you get?
Below you can compare how much life insurance our customers can get based on real life examples. This is based on customers who don’t smoke and have good overall health, paying £25 a month for a 25 year policy. This is based on the average premium and average length of cover our customers bought in 2025.
Age when cover starts
Life Insurance cash sum payout
20 year old
£1,083,422
30 year old
£563,838
40 year old
£214,688
50 year old
£75,521
60 year old
£23,258
70 year old (maximum length of cover is 19 years)
£8,645
These quotes were taken from legalandgeneral.com on 13 March 2026. Decreasing Life Insurance could be cheaper, but this is specifically designed to protect a repayment mortgage. Get your own personalised life insurance quote today.
[H2] Do I need life insurance?
Whether you need life insurance will depend on your individual circumstances. For example, life insurance can provide peace of mind for people with children, partners or spouses that depend on them financially, as well as people with a mortgage on the family house.When should I get life insurance?
[H2] Is life insurance worth it?
Not everyone needs life insurance, but if your children, partner or other relatives depend on you financially, including parental responsibilities, taking out life insurance could be worth it to help provide for your family in the event of your death. Is life insurance worth it?
[H2] How to get a life insurance quote
It takes around 2 minutes to get your personalised life insurance quote. You'll need the following details:
Your personal details - date of birth, contact details and smoker status.
Details of the cover you need - what type of life insurance and how much do you need, how long you want cover to last.
Who do you want to cover - is the life insurance policy for you alone or you and another person.
[H2] Get a free Life Insurance quote online today
Get a free quote in 2 minutes
[H2] Why get life insurance with L&G?
We've been protecting families like yours for 190 years. You can trust us to provide expert cover and supporting benefits.
[H2] Defaqto 5 Star Rated
5 Star Defaqto rated cover - the highest rating possible!
[H2] There when you need us
In 2024 we paid out £583 million in life claims, helping more than 14,000 people and their families.
[H2] Wellbeing Support
We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service, offering phone-based services to support your mental health and wellbeing.
[H2] Care Concierge
Free access to our team of Care Experts, offering confidential and impartial telephone guidance. This can help you or loved ones understand and find adult and later life care. Find out more.
[H2] Types of life insurance
We offer more than one type of life insurance to suit different needs.
[IMG: Life insurance illustration]
[H2] Life Insurance
Life insurance, sometimes known as level term life insurance, is where the amount of cover you choose and the premium you pay will stay the same throughout the duration of your policy, unless you decide to make any changes. If you pass away while covered, your family will get a cash sum to help them financially. It could be used to help pay the bills or cover child care costs, for example.
Learn more about different types of life insurance.
[IMG: Decreasing life insurance]
[H2] Decreasing Life Insurance
Decreasing life insurance is when the amount of cover you choose will decrease over time, roughly in line with the way a repayment mortgage decreases. This type of life insurance is often taken out to help protect a repayment mortgage. If you were to pass away while covered, your family would get a cash sum to help cover the mortgage, so they get to stay in their family home without the worry of mortgage payments.
Find out more about Decreasing Life Insurance.
[H2] Single or joint life insurance?
Not everyone knows the difference between single and joint life insurance, so how do they compare? Single life insurance covers one person, whereas joint life insurance covers two lives. The difference is that joint life insurance pays out upon the death of the first insured person, at which point the cover stops. Some couples prefer to have single life insurance policies, which ensures the surviving partner still has cover after the first death, but joint life insurance policies can be cheaper. Read more about single v joint life insurance policies to compare which is best for your needs.
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[H2] Our life insurance claims process
[H2] Step 1 - Get in touch
We understand that making a claim is going to be distressing time for your loved ones. That's why our experienced claims staff are specially trained to handle all calls with care and compassion.
Call them on 0800 137 101 between 9am and 5pm Monday to Friday.
[H2] Step 2 - assessment
Our expert claim handlers will deal with the claim as quickly as possible and will keep your loved ones informed throughout the process. They will contact them if they need any further information, such as a claim form or death certificate.
[H2] Step 3 - paying out
If the claim is accepted, we'll pay out within 5 working days directly to the personal representative of the deceased person, usually the executor of the will.
[H2] Life insurance FAQs
[H2] How much Life Insurance do I need?
Every family has a different set-up, so consider your personal circumstances. If you’re a homeowner, you may want to take out life insurance to cover the length of a mortgage; for example, 25 years. If you have a family, could your loved ones afford things like childcare, educational costs and daily living expenses?
You may want to think about your annual salary multiplied by the number of years your family will be financially dependent on you. Think about the amount of money your family would need to maintain their lifestyle and cover things like everyday living expenses.
If you'd like more help, you might find our life insurance calculator useful. Alternatively, you could speak to your financial adviser if you have one, or get a life cover quote today.
[H2] Is my life cover still valid after I’ve finished paying for my mortgage?
Even though your policy may have been set up at the same time as you took out a mortgage, or made another financial commitment, they are separate products.
Your policy would pay out in the event of a valid claim during your policy term, whether or not you still have that mortgage or financial commitment in place.
It is at the discretion of your beneficiaries how they choose to use the proceeds in the event of a valid claim.
[H2] How long should I get life insurance for?
You should think carefully about how long you need cover for. Some people decide to get life insurance to cover the length of a mortgage term; say, 25 years, while others think about how long their children will be financially dependent on them.
Ultimately, it’s a personal decision and you should factor in your family’s unique circumstances.
[H2] What does life insurance not cover?
You won’t be covered if you die within the first year of your policy as a result of suicide, death caused by intentional and serious self-injury, or an event where in our reasonable opinion, the insured person took their own life.
We won't pay out if you are diagnosed with a terminal illness which doesn't meet our definition. Terminal Illness Cover can't be claimed:
after your death
if the length of the policy is less than two years
There could be some circumstances where we are not able to provide full cover based on the answers you gave in your application. If there are any exclusions to your cover, these will be explained in your Policy Schedule and Policy Terms and Conditions we send you after you take out cover.
Your cover will end if you stop paying your premiums when due and it's important to remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.
See the Policy Terms and Conditions for the full list of exclusions. If you are an existing customer please refer to your policy documents for details of your cover.View all FAQs
[H2] Supporting benefits
[H2] Wellbeing Support service
[H3] We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

Dedicated 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.
Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
Get the help you need. You don't need to claim on your policy – you can simply get in tou

[IMG: Over 50s Life Insurance - Rated Excellent of Trustpilot]
[H1] Over 50 LifeInsurance
Guaranteed acceptance*
100% of claims paid
Rated 'Excellent' on Trustpilot
Over 50s Plan Details Get a quote in 2 minutes Trustpilot TrustpilotOur Over 50 Life Insurance product has an 'Excellent' star label with ratings of 4.7 stars out of 5. Read reviews from customers like you.
[H2] What is Over 50 Life Insurance?
Over 50 Life Insurance is a type of ‘Whole of life’ cover that can be taken out if you’re aged between 50 and 80. There's no medical and you pay a chosen monthly premium, which will never go up. Cover will last as long as you live and when you pass away this could be used to leave some money for your loved ones, help settle any unpaid bills or put towards the cost of a funeral.
This page was last reviewed by our expert Lisa Redman on 18 September 2025.
[H2] How does Over 50 Life Insurance work?
Whether you're over 50, 60 or 70, over 50s life cover is simple.
Get a quote for life cover over 50 in 2 minutes. Our quick and easy online quote tool can show you how much Over 50s Life Insurance costs for a range of cover.
Choose the cover you need. You choose a premium you want to pay and can afford each month, to provide a cash sum payout that meets your needs.
Once you've taken out cover, monthly payments will never rise. So, it’s a little easier to budget. You will stop paying premiums at age 90, but your cover lasts for as long as you live.
100% of claims paid. When you pass on, we will payout the cash sum on a valid claim. Your loved ones could use this cash sum to help at a difficult time.
[H2] Benefits of Over 50 Life Insurance
[H2] *Guaranteed acceptance and no medical
For UK residents aged 50-80. Full cover after one year.
[H2] Loved ones receive a payout when you die
[H2] Fixed premiums from £5 a month
Premium is dependent on your age and smoker status.
[H3] Getting an Over 50s Life Insurance quote is quick and easy
Get a free quote online
[H3] Call us free on: 0800 316 8539
8.30am to 8pm Monday to Friday9am to 1pm Saturday
We may record and monitor calls
[H2] Receive a £120 gift card after you take out cover.
[IMG: Over 50 Life Insurance Welcome Gift Card Choice]
Restrictions apply - www.amazon.co.uk/gc-legalRead the gift card T&Cs
[H2] Over 50 Life Insurance cover details
[H2] Over 50 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.
[H2] 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 it's 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.
If you are an existing customer please refer to your policy documents for details of your cover.pdf - 177.51 KBPolicy Summarypdf - 171.96 KBPolicy Terms and Conditions
[H2] Why get Over 50 Life Insurance with L&G?
We've been protecting families for 190 years, so when taking out Over 50s Life Insurance it really pays to go with experts you can trust.
[H2] 100% of claims paid
[H4] Most in 1 day.
[H2] Wellbeing Support
We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service. Offering phone-based services to support your mental health and wellbeing.
[H2] Care Concierge
Free access to our team of Care Experts, offering confidential and impartial telephone guidance. This can help you or loved ones understand and find adult and later life care. Find out more.
[H2] How much Over 50 Life Insurance can you get?
Below you can compare how much over 50s life cover our customers can access based on real life examples. This is based on customers who don't smoke and pay £20 a month.
Age when cover starts
Cash sum
50 year old
£6,044
60 year old
£4,766
70 year old
£2,948
80 year old
£1,508
These life insurance over 50 quotes were taken from legalandgeneral.com on 11 September 2025. As at this time the average monthly premium our customers paid over the last 6 months was £26.61.
You can get your own personalised life insurance over 50 quote if you give us some details about you and the amount you wish to pay. It’s important to think about the cash sum you want to leave behind as well as the premium you can afford.
[H2] Are you eligible for Over 50 Life Insurance?
We guarantee to accept you without any medical questions if:
you’re aged 50 to 80 and
you’re a UK resident and reside in the UK and have spent at least 183 days in the UK in the last tax year.
You can have multiple Over 50s Life Insurance policies with us as long as the total cash sum is not more than £10,000.Get a quick quote online
[H2] Over 50 Life Insurance FAQs
[H2] What is over 50s life cover?
Over 50s life cover is a type of life insurance that can be taken out if you’re aged between 50 and 80. You pay monthly premiums, and as long as you’ve paid premiums when due, when you pass away your loved ones will receive a cash sum.
[H2] Who needs over 50s life cover?
Our Over 50s Fixed Life Insurance is for UK residents aged 50 - 80, to provide your family with a cash sum after you die, to help contribute towards funeral costs or to leave as a gift. It only takes a few minutes to get cover, leaving you plenty of time to get back to doing what you love.
[H2] Do I need a medical?
Over 50s Fixed Life Insurance plan offers guaranteed acceptance with no medical for UK residents aged 50-80. Full cover is payable after just 1 year.
There may be other products available if you want to answer further lifestyle and medical questions. It's worth considering which type of life insurance is right for you. Some could give you more protection for the same price.
[H2] Do I need an over 50s life insurance plan?
There are certain circumstances where getting over 50s life insurance is something you might want to consider. For example:
You want to put some money towards your funeral costs.
You want to contribute towards paying off outstanding debts when you pass away.
You want to leave a small gift for your loved ones.
You don’t already have life insurance that covers you for the rest of your life and this type of cover could benefit you.
If any of the above apply to you, taking out a policy could help you meet those needs.
It will be your own personal circumstances that will determine if over 50s life cover is the right option for you. There are many types of life insurance, so it is worth taking some time to research.
Is over 50s life insurance worth it?
[H2] Can my partner take out cover as well?
Your partner can also apply for a plan providing they are aged 50 to 80 and a UK resident and reside in the UK for at least 183 days per calendar year. However, as the plans are set up individually, they cannot be held in joint names.
[H2] Can I cash in my plan?
Our Over 50s Fixed Life Insurance is not a savings or investment product and has no cash value unless a valid claim is made.
[H2] How many Over 50s Life Insurance plans can I take out?
You can have more than one Over 50s Life Insurance plan with us, so long as the total cash sum value for all plans when added together is not greater than £10,000. If you have a plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total cash sum.
[H2] What needs to be done when making a claim?
In the event of a claim, please call or write to us. Read more about our claims process.View all FAQs
[H2] Ready to get a free Over 50 Life Insurance quote?
Over 50 Life Insurance - Get a free quote
[H2] Help towards your funeral costs
Funeral costs haven't been getting any cheaper. In fact, the average cost of a funeral in the UK in 2024 was £4,706. Take a look at our guide on average UK funeral costs in your region.
Source: Legal & General research, September 2024A guide to funeral costs in the UK
[H2] Funeral Benefit Option
[H3] Like the sound of an extra £250 towards funeral costs? And for someone else to sort out the funeral arrangements?
We've partnered with Dignity Funerals Limited to offer you the Funeral Benefit Option.
Add it to your Over 50s Fixed Life Insurance once you've taken out the plan for no additional cost.
When a claim is made, we will pay your cash sum directly to Dignity Funerals Limited and a Dignity Funeral Director will take care of your funeral arrangements. Dignity will contribute £250 towards your funeral costs.
Funeral Benefit Option
[H2] Supporting benefits
[H2] Wellbeing Support service
[H3] We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

Dedicated 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.
Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
Get the help you need. You don't need to claim on your policy, you can simply get in touch with your nurse directly.
Wellbeing Support
[H2] Care Concierge
[H3] Care Concierge is personal service to help understand and find adult and later life care.
There's a lot to consider when looking for care, and it's important that you or your loved one get the support they need.

Free access to our team of Care Experts, offering confidential and impartial telephone guidance. This can help you or loved ones understand and find adult and later life care.
Available to the policyholder, their partner, children and parents.
Tailored 1:1 impartial advice. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.
Care Concierge
[H2] Our Over 50 Life Insurance claims process
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[H2] Making a claim
Our experienced claims handlers are trained by the Samaritans and will be there to talk to your loved ones and take the pressure off during this difficult time.
Making a claim is simple and our staff will do everything they can to make sure things run smoothly.How to make a claim
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[H2] Over 50s Life Insurance pay-out process
In this helpful guide we explain what to expect from an Over 50s Life Insurance claim and a step by step guide to our claims process and how the cash sum is received. Premiums and payouts
[H2] Over 50 life insurance articles and guides
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[H2] Articles and guides
Read our articles and guides on life after 50. From funeral planning and will writing to dating and travelling we've got you coveredRead our articles and guides
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[H2] How much does Over 50s Life Insurance cost?
To help you get a better idea of how Over 50s Life Insurance could work for you, we've created some examples of how much a plan might pay out depending on your personal circumstances.Explore more
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[H2] Putting a policy in trust
After taking out Over 50s Fixed Life Insurance you may want to place it in trust to help make sure the right people receive the benefit of your plan quickly, without the need for lengthy legal processes.Explore more
[H2] Ready to get an Over 50s Life Insurance quote?
Please read the cover details before you apply.Get a free quote
[H2] Call our UK team on:
[H2] 0800 316 8539
Opening hours:Monday to Friday 8:30am - 8pm.Saturday 9am -1pm.
We may record and monitor calls.
[H2] Our Over 50 Life Insurance product reviews
As of 18 September 2025, 201 customers have rated our Over 50s Life Insurance giving the product an average star rating of 4.7 out of 5 on Trustpilot. The score of 4.7 corresponds to the star label 'Excellent'.Trustpilot
[H2] Our product range
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[H2] Lisa Redman
Senior Propositions Manager, Retail Protection Lisa works in UK Retail Protection Proposition Development team and is responsible for identifying and assessing new product and proposition enhancements to meet customer needs, with a strong emphasis on regulatory compliance ensuring all required governance is completed.More about Lisa