Over 50s Life and Funeral Plans

Sorry, we no longer sell life and funeral plans to new customers

Existing customers

If you already have an existing life or funeral plan policy with us, this will continue to be managed in line with the policy's terms and conditions.

If you need to make any changes to your policy, make a claim or view your documentation, please call us during normal office hours on:

Life plan: 0345 600 6830
Funeral plan: 0800 633 5124

A man giving a girl a piggyback

Over 50s life and funeral plans FAQ's

How can my cash lump sum be used?

Our over 50s life plan pays a cash lump sum to your estate when you die. Many customers may want to use it to leave a legacy to their loved ones, or to make sure  outstanding bills are taken care of.

Others may choose to donate the money to a charity that's close to their heart, or to help make arrangements for their pets to be taken care of.

Another option is to use the sum to make a contribution towards your funeral costs. With us, you can get an extra 10% on top of your cash lump sum if you select our funeral benefit option in association with Dignity, the UK’s leading funeral director. When the time comes, Dignity will be available to provide all the support and guidance your family will need to make the necessary arrangements.

You can find out more about this option by downloading a copy of our funeral benefit leaflet.

What will my family receive?

With the Rias Over 50s Life Plan, your estate will receive a lump sum when you die.

The life plan also comes with the following benefits:

  • If you die as a result of an accident, as defined in your life plan details document, within the first two years of taking out your plan, we’ll pay out three times the value of your cash lump sum.
  • If you die from any other cause within the first two years of taking out your plan, we’ll pay back one and a half times (150%) the value of your cash lump sum.
  • After your 90th birthday, your payments stop but your cover will continue for the rest of your life.

Can I cash in the plan at any time?

It's important to understand your life plan only pays a cash sum upon your death, so you cannot claim it at any time. If you decide to stop paying your premiums, your cover will stop and you won't get any money back. All benefits paid out under our over 50s life plan are currently free of income or capital gains tax, but may be subject to inheritance tax, depending on the inheritance tax threshold at the time of your day. Please be aware that tax rules may change.

*Read the terms and conditions

*Car insurance from £166

In fact, 10% of new car insurance customers paid £166 or less between 1st July 2016 – 31st Jan 2017. Actual premium depends on individual circumstances, payment method and cover chosen.

*Home insurance from £96

10% of new customers paid £96 or less between 1st Feb – 30th Apr 2017 for our combined buildings and contents cover. Actual premium depends on individual circumstances, payment method and cover chosen.