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.

Life Plan FAQs

Read our most frequently asked life plan insurance questions.

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Life insurance - Am I eligible?

 Many people have concerns when they search for life insurance because they are worried that they may not be eligible. However, with RIAS over 50s life insurance there is no need to worry.

Unlike many other insurance specialists, we do not ask our applicants to undertake a medical – in fact there are no health questions at all. As long as you are aged from 50-80 you are guaranteed to be accepted.

So what are the advantages of an RIAS over 50s life insurance policy?

  • Flexible premiums - With RIAS life insurance you have a choice about the level of premium you pay – from £5-£50 a month, dependent on your age. This will be reflected in the payouts you can potentially receive – and you will never be asked to increase your premiums even if your health deteriorates.
  • In addition, when you take your policy out you can also choose to index-link your monthly payments. This means that your payments, and the lump sum paid out, will increase in line with inflation. If you choose this option you’ll be informed in writing of your new premium each year.
  • No medicals - As long as you are aged from 50-80 and a UK resident you will be accepted without any health questions or screenings.
  • Life plans for partners - If you have a partner who is also a UK resident aged 50-80, they can take out a life plan too by filling in the acceptance form we’ll send out with your documents. Partners of existing policy holders are eligible to claim a free gift when they take out their own policy.
  • Free gift - There is a free gift for every customer once they have taken out a plan and made three monthly premium payments.

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

Find out more

If you wish to know more about your eligibility for the RIAS over 50s life insurance plan, contact us now on 0800 183 0743. There is also a detailed breakdown of the value of your plan available within our information guide.