Or call our UK-based special advisors

0800 183 0743

Lines are open:
8.30am - 8pm Mon - Fri
8.30am - 4pm Saturday

Our Over 50s Life Plan has recently been awarded the highest 5 Star Rating by independent researcher Defaqto for our comprehensive level of cover.

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RIAS Life insurance Life Plans

Sometimes it’s hard to think about the future and what will happen when we’re gone. However, just one look at our loved ones – our children and grandchildren – should emphasise why it’s so important to make sure they are well looked after, especially when we’re no longer here.

We have designed life insurance for over 50s beginning from as little as £5 a month, dependant on your age: helping you leave behind a legacy for your family, or simply to pay for your funeral. As an added bonus, we even offer £75 in Marks & Spencer gift cards to everyone who takes out a policy*.

What can you expect from RIAS life insurance?

There are a host of advantages to RIAS life insurance compared to many competitors, including:

  • Guaranteed acceptance - Anyone aged from 50-80 and a UK resident is guaranteed to be accepted without health or medical questions.

  • Range of premiums - Take your pick from different premium and pay-out options starting from £5 a month, dependant on your age.

  • No further payments - When you reach the age of 90 there are no further payments which need to be made for cover for the rest of your life.

  • Options - It is possible to increase your annual fixed cash sum to be in line with inflation.

  • Best Doctors service - Enjoy access to the Best Doctors medical advice service when you and your immediate family need it.

  • Accidental cover - Three times the value of the cash sum will be paid out if you die as a result of an accident within two years of taking the policy out. Meanwhile, one and a half times the premium is paid out should you die for any other reason during the first two years.

More details about RIAS life insurance options

There are a host of great benefits with RIAS life insurance. Here is a closer look at some of them:

    • Funeral benefit option - As part of our over 50s life insurance you will be given the opportunity to select our funeral benefit option. This means you can leave behind a cash lump sum specifically for your funeral. We have teamed up with Dignity, one of the UK’s leading providers of funeral services, and we will also provide an extra 10 per cent on top of your lump sum free of charge. You can find out more about this option by downloading our funeral benefit leaflet.

    • Best Doctors service - With your over 50s life insurance from RIAS you also have access to Best Doctors – a medical service that offers you a second opinion from world leading experts on the diagnosis and treatment of a serious, chronic or worrying illness. This service is a non-contractual benefit at no cost to you. Take a look at the Best Doctors leaflet for more information or watch the video below.

You can also watch the short information video to see how the Best Doctors service could help you:

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Video Transcription

Dealing with medical issues can be one of the most difficult and frustrating situations to face. Once you’ve been diagnosed with a condition and you’ve received your treatment recommendations, important decisions have to be made. You might wonder if you’ve obtained all the right information and whether you’ve explored all your options.

In these times of un-certainty Best Doctors is there to help. We connect people coping with worrying medical conditions to the opinions and expertise of world class specialists so that you come to well informed decisions regarding your health.

How does it work?

The confidential process starts the moment you call Best Doctors. A nurse from our medical team performs an intake interview and collects all of your relevant medical details helping you to formulate the questions you want to ask to the specialist. The Best Doctors team supports you throughout the whole process.

With this information Best Doctors collects all of your medical files and tests and then selects the international world class specialist from our network that is best suited to review your case.

The specialist carries out a thorough review of your medical information and creates a comprehensive report to review the diagnosis. Furthermore, he will come up with suggestions for the best possible treatment and will answer all your questions.

The Best Doctors nurse calls you to go over the findings in depth before sending you the report in English. We encourage you to share the information with your current treating doctor to discuss the next steps at hand.

Best Doctors will be available at all times for any questions that may arise after reading your report with your treating doctor.

When it comes to your health you need certainty and re-assurance and Best Doctors is here to support you.

Would you like to know more about Best Doctors? Please contact us.


Terms and conditions apply. Full details can be found in the policy documentation.


Find out more

To find out more about RIAS over 50s life insurance, take a look at our information guide or our policy documentation. If you’re interested in taking out a life insurance policy with RIAS, call us today on 0800 183 0743. 

* FREE gift for each customer once they’ve taken out a plan and made three monthly premium payments. We reserve the right to change or withdraw the gift entitlement, or limit the total number of gifts issued per customer. T&Cs apply.