Over 50s life insurance

Our life insurance products are provided by Legal & General and designed to pay out a cash sum to help protect your family financially.

Over 50s life insurance

Provides a cash sum to your loved ones when you die, if you die more than one year after buying your policy.

  • Premiums start at £5 a month depending on your age and stay fixed throughout the policy.
  • Guaranteed acceptance for 50 to 80 year olds living in the UK.
  • You won't need a medical or health assessment.
  • Your loved ones could get a cash sum after just one year and use it however they wish. The money could pay bills, contribute towards funeral expenses or be a gift to your grandchildren.
  • If you wish you can put your policy into a trust.

What you need to know

Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life.
A claim can be made after one year, regardless of the cause of death.
If you die from natural causes within the first year we'll refund any premiums paid, unless you die as the result of an accident when we'll pay your cash sum.
Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death.
If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won't get anything back. This isn't a savings or investment product and has no cash value unless a valid claim is made.
Inflation will reduce the buying power of your cash sum in the future.

Boost your cover with

Funeral benefit option

Add this to your policy after you receive your documents to get a £300 contribution towards your funeral costs.

Read more

Get all the details

Go to our key features document for the full details and exclusions.
More information on life insurance can be found in our documents library.

Life insurance key features

M&S gift card terms & conditions

Customers who hold 1 or more other products with Direct Line qualify for £75 gift card.

New customers to Direct Line qualify for £50 M&S gift card.

Eligible for a gift three months after the policy start date, provided you haven’t cancelled your policy. No cash alternative provided. Allow 30 days for delivery. One gift card per policy sold, limited to two per household. Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL.