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Life Plan FAQs

Read our most frequently asked life plan insurance questions. 

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Protect your loved ones with the RIAS Over 50s Life Plan

We all worry about ensuring that our loved ones are properly looked after when we’re gone. For as little as £5 a month, the RIAS Over 50s Life Plan, provided by our sister company Ageas Protect, can help you leave behind a legacy that can be used however you choose; to be shared among your family, to pay for your funeral or to support a charity. We’ll even give you £35 in M&S vouchers* if you take out a policy.

When you take out a life insurance plan with RIAS, you can expect:

Get 10% extra with the funeral benefit option

As part of the RIAS Over 50s Life Plan you will also be given the opportunity to select our funeral benefit option. So you can leave behind a cash lump sum specifically for your funeral. RIAS have teamed up with Dignity, one of the UK’s leading providers of funeral services, to provide you with this option. Dignity will also provide an extra 10% on top of your lump sum free of charge. You can find out more about this option by downloading our funeral benefit leaflet.

FREE access to Best Doctors service

With your Over 50s Life Plan 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 completely independent from your Over 50s Life Plan with Ageas Protect Limited and is a non-contractual benefit at no cost to you. 

Take a look at the Best Doctors leaflet for more information including the incredible story of Steve, a real Best Doctors case study where Best Doctors reviewed Steve’s illness and, working with his own doctor, saved his life.

What you also need to know:

Find out more

To find out more about RIAS Over 50s Life Plan, take a look at our 10-step guide or download 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.

** A full explanation of how RIAS define ‘accidental death’ can be found in the plan details which is included in the policy pack we send once a policy has been started.