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Over 50s Life Insurance, provided by Legal & General

Over 50s Life Insurance plans

Leave a cash sum for your loved ones when you die

Cover for the over 50s

  • Usps white tick
    Guaranteed acceptance

    Guaranteed acceptance with no medical for UK residents between 50 and 80.

  • Usps white tick
    What we offer

    Choose a premium from £5 to £75 a month, depending on your age, to leave a cash sum for your needs.

  • Usps white tick
    M&S giftcard

    As a thank you for taking out an Over 50s Life Insurance plan, we'll give you a £50 M&S giftcard (£75 for AA Members).*

Over 50s fixed and increasing plans

Fixed Plan

On a tight budget? With fixed premiums you know what you’re paying, and your monthly payments stay the same.

What you get:
  • Choose the premium you want to pay based on how much you can afford.
  • Premiums start from £5 a month, depending on your age.
  • Guaranteed acceptance with no medical for UK residents between 50 and 80.
  • A minimum cash sum payment of £1,000 should you die after one year.
  • Flexibility to reduce your premiums if you've had your plan for a year and your circumstances have changed. Minimum premium applies.
  • This is not a savings or investment product, and has no cash value unless a valid claim is made.
  • In the first year, if you die from natural causes any premiums will be refunded. If you die as the result of an accident, your cash sum will be paid.
  • Depending on how long you live, you may pay more in premiums than your cash sum.
  • If you stop paying premiums, you'll lose your cover and get nothing back.
  • Your cash sum is fixed at outset and inflation will reduce its buying power over time.

Increasing Plan

Designed to help protect your cash sum against inflation. Please bear in mind that with the Increasing Plan your premium will go up.

What you get:
  • Choose the initial premium you want to pay based on your circumstances and the cash sum you want the policy to pay out.
  • Premiums start from £5 a month, depending on your age.
  • Guaranteed acceptance with no medical for UK residents between 50 and 80.
  • A minimum cash sum payment of £1,000 should you die after one year.
  • Your cash lump sum is reviewed each year in line with the change in the Retail Price Index (RPI).
  • This is not a savings or investment product, and has no cash value unless a valid claim is made.
  • In the first year, if you die from natural causes any premiums will be refunded. If you die as the result of an accident, your cash sum will be paid.
  • Depending on how long you live, you may pay more in premiums than your cash sum.
  • If you stop paying premiums, you'll lose your cover and get nothing back.
Important information
What do the fixed and the increasing plans have in common?
  • A claim can be made after one year, regardless of the cause of death. If it's from natural causes within the first year, any premiums will be refunded. But if it's the result of an accident, your cash sum will be paid.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable.
  • After your 90th birthday, you'll stop paying premiums but your cover will continue.
  • If you stop paying premiums when due, your cover will end 30 days after your missed premium and you won’t receive anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.
Fixed Plan-only features
  • Inflation will reduce the buying power of your cash sum in the future.
  • You have the flexibility to reduce your premiums if you've had your plan for a year and your circumstances change (minimum premium applies).
  • If you choose to reduce your premiums, your cash sum will also be reduced.
Increasing Plan-only features
  • With the Increasing Plan, your cash sum is reviewed each year in line with the change in the Retail Price Index (RPI).
  • Your premium will also increase by 1.5 times the change in RPI.
  • If you can't afford the increase, just let Legal & General know and they'll fix your premium and cash sum so they remain the same for the rest of your plan. If you decide to do this, you won't be able to restart the increases in future and inflation will reduce the buying power of your cash sum.
What is the Retail Price Index?

The Retail Price Index (RPI) is a measure of consumer inflation, showing how the cost of living rises each year.

As time passes and the cost of living rises, think about how much more an everyday item like a loaf of bread costs now than it did 10 years ago. This process also impacts the value of the cash sum paid out by insurance policies, meaning that a fixed cash sum will be worth less in the future.

The cash sum for the Increasing Plan is reviewed by the change in the RPI to help keep in line with inflation and to stop its value decreasing. Please read the Policy Summary before you apply.

What if my circumstances change?

If you're worried you won't be able to afford the increases in premium, you can decline the increase following your annual review. Just let Legal & General know, and they'll fix your premium and cash sum so they remain the same for the rest of your plan.

Take note: If you decide to decline the premium increase, you won't be able to restart the increases in future – and inflation will reduce the buying power of your cash sum.

Funeral Benefit Option
An extra £300 towards your funeral costs – at no extra cost

If you're planning to use the cash sum from your Over 50s Life Insurance Plan to pay towards your funeral, why not add the Funeral Benefit Option to your plan?

It's a great way to help your loved ones during a difficult time. At the time of claiming, Legal & General will pay your cash sum directly to Dignity Funerals Limited and a Dignity Funeral Director will take care of arrangements. Plus, to help your family even more, there'll be an additional £300 contribution from Dignity towards the final cost of your funeral with a Dignity Funeral Director.

Your family will be in good hands with Dignity

Dignity is a collection of the UK's finest funeral directors, who are devoted to delivering the highest quality funeral services in the UK. Legal & General chose them as a partner because of their proven track record in offering care and compassion to their customers, and their network of 826 funeral locations across the UK.

  • 824,000 people have taken out a funeral plan with Dignity.
  • They conducted 68,800 funerals in 2017.

Source: Dignity Annual Report and Accounts 2017.

Find your nearest Dignity Funeral Director.

How does it work?

Add the Funeral Benefit Option to your Over 50s Life Insurance Plan for no additional cost, and Dignity will contribute £300 towards the cost of your funeral with a Dignity Funeral Director.

At the time of making a claim, a single call to Dignity will start your funeral arrangements. The Dignity Funeral Director will help your family through the arrangements, and Legal & General will pay the cash sum from your Over 50s Life Insurance Plan directly to Dignity.

Things you should know
  • It doesn't cost you anything extra to add Funeral Benefit Option to your Over 50s Life Insurance Plan, but you do need to make sure you keep paying the premiums for your plan.

  • The additional £300 contribution will only be payable when the cash sum from your plan is paid directly to Dignity Funerals Limited on your death. It won't be paid to your legal representative.

  • If your funeral costs less than the cash sum from your plan and the £300 contribution combined, Legal & General will pay any money left over to your legal representative. However, if the funeral costs more, then your loved ones would have to pay the balance to the Dignity Funeral Director. You need to be aware that inflation will reduce the buying power of the cash sum and the £300 contribution.

  • If you die within the first year of taking out an Over 50s Life Insurance Plan for any reason other than an accident, Legal & General won't pay the cash sum. Instead they'll refund any premiums already paid to your legal representative rather than to Dignity. However, if Dignity conducts your funeral, your legal representative would still be entitled to the £300 contribution.

  • If you die within the first year of taking out a Over 50s Life Insurance Plan as a result of an accident (see the policy terms and conditions), or within 90 days of the accident from injuries sustained in it, you'll be entitled to the Accidental Death Benefit and the cash sum will be paid to your legal representative rather than Dignity. However, if Dignity conducts your funeral your legal representative would still be entitled to the £300 contribution towards your funeral.

  • You can cancel the Funeral Benefit Option at any time before Dignity has been instructed to provide the funeral services. In these circumstances you wouldn't be entitled to the £300 contribution.

  • You can add Funeral Benefit Option anytime during the period of your policy, but you can only add it once. This includes any Funeral Benefit Option you may have with another over 50s life insurance provider. Also, if you already have a pre-paid funeral plan with Dignity you can't take up this offer, and if you were to take out a funeral plan in the future, your Funeral Benefit Option would be cancelled.

Full details are in the Policy Terms and Conditions below.

Policy documents
Over 50s Life Insurance Plan, provided by Legal & General

Please read these important documents before applying.

Policy Summary

Policy Terms and Conditions

Frequently asked questions
What happens after I apply?

You'll receive a letter containing details of your plan, a policy schedule and the Policy Terms and Conditions.

You'll also receive a cancellation notice – this gives you 30 days to cancel your plan if you change your mind. If you cancel within 30 days, any premiums paid will be refunded. You can cancel after this period by writing to us but you won't receive a refund.


Will my premiums ever go up?

If you choose the Fixed Plan, your premiums will stay the same. Choose the Increasing Plan and your cash sum will be reviewed each year (along with your premiums) and, depending on any changes to inflation, it may increase.

Read more about the Increasing Plan at the top of this page.


When will I receive my gift?

As long as you continue to make payments, you should receive your gift 4 months after your policy starts. See the giftcard terms and conditions on this page.


How long does the cover last?

As long as you keep paying your premiums the cover will last for the rest of your life. When you reach 90 your premiums stop but your cover will still continue.


Can I cash in my plan?

No, the plans are not savings or investment products and have no cash value until a valid claim is made.


Who can apply?

UK residents (who reside in the UK for at least 183 days a year) aged between 50 and 80.

Legal & General's Over 50s Life insurance plan requires no medical assessment, so you're guaranteed to be accepted.


Can my partner take out cover too?

Yes, your partner can also take out an insurance plan – just call or apply online. The life insurance plans only cover one person, so you will be covered by two separate plans with two premiums.


Can I have more than one policy?

You can have as many policies as you want, as long as the total cash sum for all your Over 50s Life Insurance plans is no more than £10,000. This includes any Over 50s plans you already have with Legal & General.


What information do you need from me?

Decide how much you want the plan to pay out, based on your own circumstances, and the premium you choose to pay.

The Over 50s Life Insurance provided by Legal and General requires no medical, so we just need your name, contact details, date of birth and smoker status.

At the end of the application process you'll be asked for your bank account number and sort code to set up a direct debit. If you don't have these, you can get them by contacting your bank or referring to a recent bank statement.


What happens to the money when the policy pays out?

The cash sum will be paid to your estate, unless you place your policy into trust or select the Funeral Benefit Option.


How can my family make a claim?

They can contact Legal & General using the contact details below.

Phone: 0800 137 101

From abroad: 0044 1273 374 665

Lines are open Monday to Friday 9:00am to 5:30pm. Calls may be recorded and monitored.

Write to: Claims Department Legal & General Assurance Society Limited, City Park, The Droveway, Hove, East Sussex BN3 7PY

Email: life.claims@landg.com

Legal & General will need the following documentation:

  • death certificate
  • date of death and contact details
  • original policy document

If you're missing any of these documents, Legal & General staff can discuss the additional procedure for making a claim with your representatives. If further information is needed to help process a claim, the claims staff will contact your representatives.


Which premium should I choose?

Choose cover that you can afford and gives you a cash sum that meets your needs. Remember the higher the premium (up to a maximum of £75 per month), the higher your cash sum.

Think about how much you would like your family to receive in the event of your passing. You can take out more than one plan as long as the total cash sum value for all your plans is no more than £10,000.


If I choose the Increasing Plan and can't afford the premium increase, what can I do?

Just give Legal & General a call. They can stop the increases so that the premium and cash sum remain the same for the rest of your plan. Be aware if you do this the decision is final and the plan will remain fixed. You won't be able to restart the increases in future.

Read more about the Increasing Plan at the top of this page.

* M&S giftcard terms and conditions

When you take out a new Over 50s Life Insurance policy, Legal & General will send you a M&S giftcard as a thank you.

Please read the following terms and conditions before you apply.

  • Legal & General will aim to send the giftcard 4 months after your policy starts. Please allow time for delivery.
  • This offer is only valid when applying directly via the AA.
  • Customers paying monthly premiums won't be eligible for a giftcard if a monthly payment is missed during this time.
  • If you've previously cancelled a life insurance policy provided by Legal & General, you won't qualify for this offer.
  • The incentive provider could be changed but the monetary value will not change.
  • Legal & General will cancel any policies or giftcards if they discover or have a reasonable suspicion that the terms of the offer are being abused.
  • One giftcard per policy sold, limited to 2 per household in a 12-month period.
  • No cash alternative will be offered.
  • The giftcard is only available with this offer, and will not be available if the product is bought with any other offers or gifts.
  • All terms and conditions also apply to partners or friends applying.
  • Legal & General staff aren't eligible for this offer.

An AA Member is a holder of a current UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance. AA Over 50s Life Insurance and any services related to it are provided by Legal & General. Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 117659. You can check the Financial Services Register on the FCA website. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562.

Call our UK call centre

0800 294 2738

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

Calls may be recorded and monitored.

Not a member?

0800 107 6647

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

Calls may be recorded and monitored.