Life Assurance

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RIAS Over 50s Life Plan

A cash lump sum as a legacy for your family on your death
Guaranteed acceptance without a medical
Get 10% extra with the Funeral Benefit option
Choice of low monthly premiums to suit your budget
Enjoy an exciting gift – yours for FREE once you’ve made three monthly premium payments

You can afford to leave something valuable

We understand that many people would like to be able to leave money to their family or loved ones, but are concerned that they won’t be able to afford to in the current climate.

With low monthly payments, and a cash sum to be paid when you die, the RIAS Over 50s Life Plan makes it really easy to leave something of value behind.
For as little as £5 per month (£10 for ages 71-75) you can leave a lump sum to be used however you choose: to help your family or support a charity, pay off debts or help pay towards funeral expenses.

No medical required

We won’t ask you any questions about your health, contact your GP or ask you to take a medical – if you apply and you’re between 50-75, we can guarantee you will be accepted.

Get 10% extra with the Funeral Benefit option

Dignity is one of the UK’s leading providers of funeral services offering you excellent value for money. If you choose the Funeral Benefit option the cash lump sum from your RIAS Over 50s Life Plan will be paid directly to Dignity. This means your family have an extra 10% on the amount of your cash sum to help put towards funeral costs with a Dignity Funeral Director.

In addition, Dignity will help your family take care of all the arrangements for your funeral, and carry it out according to any wishes that have been stated with sensitivity and care.

To find out more about this important option, download our Funeral Benefit leaflet

Click here to read our 10-step guide to the RIAS Over 50s Life Plan and use our rate table to calculate how much cover you can get for your chosen premium.

Download our Key Features document for more information about the RIAS Over 50s Life Plan.

Call us on 0800 183 0743 and find out how you can leave a legacy for your family

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Plan Benefits

A cash lump sum as a legacy for your family – paid in full after 2 years
Acceptance guaranteed – with no medical questions to answer
Three times your cash sum paid out if you die accidentally* within the
first 2 years
One and a half times your premiums back if you die for other reasons in the first 2 years
Choice of premiums to suit your budget – and no payments after your 90th birthday
Get 10% extra if you select the Funeral Benefit option
Opt to increase your cover every year to keep pace with inflation – your premiums will increase too
And enjoy an exciting gift – yours FREE once you’ve made three monthly premium payments. Read our 10-step guide

*Details of what we mean by ‘accidentally’ will be included in the Plan Details sent to you when you apply.

Please click on the link below for further important information relating to policy limitations/restrictions

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What you also need to know

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 2 years of your plan your family may only get back what you’ve paid in, plus half as much again
Depending how long you live, you may end up paying in more than is paid 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.