Over 50’s life insurance differs from Whole of Life insurance in the fact that it doesn’t require any medical underwriting, so cover is guaranteed. However, the cover has a ‘survival’ period, meaning the life assured must live for a defined period following the start date of the policy before the full sum assured becomes payable.
Benefit levels are limited by a maximum premium and further defined by smoker status and age at application.
Over 50’s Life Cover offers a very quick way to incept life insurance for ‘smaller’ sums assured, to cover things such as funeral costs or leaving a small legacy to family.
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