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0800 183 0743

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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

Read our most frequently asked life plan insurance questions.

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Why do I need life insurance?

We all know the importance of car insurance and home insurance: but what about life insurance? Many people mistakenly overlook life plans because they don’t like to think about that inevitable future: or they hope that their family will be able to cope without them. However, is that truly realistic?

In fact, life insurance offers an array of benefits – not least of which is that you can be sure there is a lump sum left behind in the event of your death. It may not provide comfort to your family, but it will at least ensure they don’t have to deal with extra financial concerns after your death.

Here are the most common ways our customers use life insurance payments.

Funeral costs

The most obvious peace of mind that RIAS life insurance can provide is a contribution towards the cost of your final arrangements. RIAS has formed a partnership with Dignity – the leading funeral service provider in the UK – to offer an additional funeral benefit option that will ensure all arrangements are taken care of. You can download our funeral benefit booklet for more information.

Mortgage payments

If you still have outstanding mortgage payments when you die, they would usually be passed to your partner or other relatives. However, with the money from a RIAS over 50s life insurance plan you could potentially reduce or even eliminate any outstanding debt so there is no burden on your loved ones.

Pets rehoming

Sadly, every year thousands of dogs and cats are left without homes when their owners pass away. However, the money from life cover can be used to ensure that your beloved pet gets the care it needs.

Charitable donations

If you have a cause that is particularly close to your heart then you can use your life insurance policy to ensure that there is a sizeable legacy left behind to make sure their good work continues in the future.

Find out more

To find out more about RIAS over 50s 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.