Over 50s life insurance

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Guaranteed acceptance – with no medical or health questions

  • Guaranteed acceptance – if you live permanently in the UK and you’re aged 50-80
  • No medical – and no health questions
  • Guaranteed cash payout – if you die more than a year after you start the plan and the plan is still in force
  • A cash lump sum – to help with funeral expenses and bills, or to leave a gift for your grandchildren
  • Cover for life – and payments that stop when you’re 90
  • Easy to apply – with our online application

The plan has no cash-in value at any time.

For more details you should read through (and download/store) the Keyfacts and Our Services documents.

This insurance product available through Standard Life Direct is provided by LV=, part of the Liverpool Victoria Group.

How it works

  • Lump sum payout – on your death at least one year after the plan starts provided the plan is still in force
  • You make monthly payments – your payments are fixed and will never increase
  • Stop payments when you reach age 90 – but your cover continues for the rest of your life

Important information

  • To apply you need to be a permanent UK resident aged 50-80
  • The plan has no cash-in value at any time
  • Once your plan starts, the amount of cover doesn't change. This means it won't keep up with inflation, and will buy less in the future
  • You should review your cover regularly to make sure it’s enough to offset any rise in the cost of living
  • If you die within 12 months of starting your plan, it may only pay out what you’ve paid in
  • Depending on how long you live, you may pay more in premiums than the cash sum payable on death

For more details you should read through (and download/store) the Keyfacts and Our Services documents.

If you’re unclear about what this plan provides and whether it suits your needs, you should seek financial advice. Please note there may be a cost for this.

This insurance product available through Standard Life Direct is provided by LV=, part of the Liverpool Victoria Group.

Standard Life Direct is provided by Standard Life Client Management, which arranges, and can advise you about this plan and products from subsidiaries of Standard Life plc and some external providers.

LV= will pay Standard Life Client Management commission if you buy an LV= Over 50s Life Insurance plan through us. The amount paid is based on how much you pay.

Example of commission

The term of the policy cannot be determined at the start date, therefore the example shows the maximum commission payable on a policy for a 50 year old on a plan with a premium of £15 a month over 43 months. The commission figure is not paid directly by you - you only pay the monthly premium quoted and this covers the cost of commission.

  • Payment each month £15
  • Commission £527.37

For details of the actual amount of commission that would be payable on your plan, please contact Standard Life Direct on 0845 278 5636.

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