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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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Life Plan FAQs

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RIAS Life insurance

Taking out life insurance may not be a legal necessity like car insurance – but when we think about the future of our loved ones after we have gone, it may feel like a necessity for your family.

Life insurance can provide financial assistance to family members, or even be used to make charitable donations if you have an organisation that’s close to your heart. Now, with a RIAS over 50s life insurance policy you can be sure that your legacy is taken care of.

From just £5 a month, with no medical required, if you are aged from 50-80 and resident in the UK, you are guaranteed to be accepted for a life insurance plan with RIAS.

Why choose RIAS for life insurance?

As RIAS focuses on customers aged over 50, it can offer a number of incentives, including: 

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

  • Your choice of low monthly premiums from £5-£50, dependant on your age.

  • Guaranteed acceptance with no medical for applicants aged 50-80.

  • Payments end after your 90th birthday, but your cover continues for the rest of your life.

  • Option to increase your fixed monthly sum to stay in-line with inflation.

  • Three times the value of the cash sum to be paid out if you die as a result of an accident within two years of taking out the policy.

  • One and a half times the premium to be paid out if you die for any other reason in the first two years.

  • Free gift of M&S gift card when you take out a policy with us*.

  • Ten per cent extra added to your lump sum when you choose our funeral benefit option.

What you also need to know about RIAS life insurance

Please bear in mind the following if you choose to take out RIAS life insurance.

  • Your plan has no cash-in value at any time - if your payments stop your cover stops and you don’t get any money back.
  • If you die from natural causes in the first two years of your plan your family may only get back what you’ve paid in, plus half as much again.
  • Depending on how long you live, you may end up paying in more than we pay out when you die.
  • The index-linking option protects your cash sum against inflation – otherwise your cover could be worth less in the future.
  • The cash lump sum payout could be liable to inheritance tax.

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

Find out more

To find out more about RIAS life insurance, you can read our policy documentation or 10-step guide. If you have any questions or would like to speak to an advisor, 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.