Personal protection
A simple life insurance policy designed for people aged 50 and over, usually with guaranteed acceptance and no medical questions, making it an accessible option later in life.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
Most policies have an initial period, often 12 to 24 months, during which only a return of premiums (sometimes with interest) is paid if death occurs from natural causes. After this period, the full sum assured is usually paid.
No, guaranteed acceptance policies do not usually require a medical examination or health questions, making them accessible even if you have health conditions.
It depends on your circumstances. Because acceptance is guaranteed, premiums can be higher relative to the cover provided compared with fully underwritten life insurance, so it's worth comparing both options.
Most guaranteed acceptance policies are designed so premiums stay fixed for life, though the level of cover also typically stays the same rather than increasing with inflation.
Tell us what matters to you and one of our advisers will help you explore your options.