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Over 50s Fixed Life Insurance could be an affordable way to support your loved ones, if you pass away. It could be used to help settle unpaid bills, contribute towards funeral costs or as a small gift to those who matter most.
- Fixed premiums and full cover payable after just one year
- Guaranteed acceptance, with no medical questions
- 100% of claims paid in full**
- Free access to Wellbeing Support provided by RedArc
- From the UK’s Number One Life Insurance provider - Legal & General ***
- Cover up to £10,000
- Get a quote in minutes
We’re here to help
To answer any queries you have, call Legal & General on 0800 072 4895 between 8:30am - 8pm Monday to Friday and 9am - 1pm Saturday.
Legal & General may record and monitor calls.
Existing customers
You can access your life insurance policy via Legal & General's My Account or call them directly on 03700 600 015
Buy Over 50s Fixed Life Insurance and get a £100 voucher
Choose a voucher for M&S, Argos or B&Q after 6 months of your policy being active. T&Cs Apply.
Cover details
Over 50s Fixed Life Insurance at a glance
Premiums start from £5 per month and range up to £75 per month, depending on your age and smoker status.
Full cover payable after one year. If a claim is made within the first year, any premiums paid will be refunded. In the case of accidental death, your full policy amount will be paid.
Guaranteed acceptance with no medical questions for UK residents aged between 50 and 80. There may be other products available, if you want to answer further lifestyle and medical questions.
Free access to Wellbeing Support provided by RedARC Assured Limited. This includes expert help and advice by qualified nurses for the duration of your policy.
Your premiums are fixed, so they won’t go up. The amount you pay monthly won’t change unless you make changes to your level of cover.
Flexibility to reduce your premiums, if you’ve had your cover for a year and your circumstances have changed. The minimum premium applies.
Your cover will continue for the rest of your life. Even when you stop paying premiums at age 90.
You can have multiple Over 50s Life Insurance plans with Legal & General, so long as the total cash sum value across all Over 50s Life Insurance plans doesn’t exceed £10,000.
Things you need to know
Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
This is not a savings or investment product and has no cash value unless a valid claim is made.
If you stop paying premiums when due, your plan will be cancelled and you won’t get anything back.
The cash sum is fixed, so inflation will reduce its buying power in the future.
Over 50s Fixed Life Insurance is not designed to meet the full costs of a funeral, and does not guarantee to do so.
If you choose to reduce your premiums, your cash sum will also be reduced.
Please read the key documents before you buy.
What is Wellbeing Support?
To help look after your wellbeing throughout the lifetime of your policy, you get free access to support provided by RedArc Assured Limited, whose registered nurses can provide you with a wide range of wellbeing services.
Here’s some facts about what’s available:
- Support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
- Cover is for you, your partner and children living at home.
- Access to this support is included as standard from day one of your policy.
- Available throughout the policy life, and up to six months after a valid claim ends the policy.
- You don’t need to make a claim on your policy to get the help you need, you can get in touch with a nurse directly.
- It’s a telephone-based service with calls as often as you need.
What is Care Concierge?
Care Concierge is a confidential and impartial telephone service that Legal & General offer free of charge, throughout the lifetime of your policy, which can help you or loved ones understand and find later life care.
Here’s some facts about what’s available:
- Free access to Legal & General’s experienced team who have extensive knowledge of the later life care industry.
- Offers impartial guidance, so that you can make an informed decision that’s right for you or your loved one.
- Explore the different ways of paying for care and whether you might be eligible for state support.
- Can assist with finding later life care, whether at home or in a care home.
- Available to the policyholder, their partner, children and parents.
- Access to this support is included as standard from day one of your policy.
Any questions?
Over 50s Fixed Life Insurance offers guaranteed acceptance, with no medical questions, if you are aged between 50 and 80 and, a UK resident who resides in the UK for at least 183 days a year.
Full cover is payable after 1 year regardless of the cause of death, or within 1 year due to accidental death (T&C’s apply).
There may be other products available, if you want to answer further lifestyle and medical questions.
Your partner can take out an Over 50s Fixed Life Insurance as long as they are aged between 50 and 80 and, a UK resident who resides in the UK for at least 183 days a year.
However, plans are set up individually and cannot be held in joint names.
A trust is a simple legal arrangement that allows you to gift your benefit amount to someone else.
You are able to write your policy in trust at any time. If you choose to write your policy under trust then you must send Legal & General the trust form as soon as possible.
Neither Legal & General or TSB are able to provide you with legal or financial advice or advise whether you should place your policy in trust. We would recommend you contact your financial or legal adviser for more information. If you write your policy under trust then any claim would be made by your Trustees who will receive the benefit amount in order to pay your beneficiaries.
If you have any questions or if you would like further information please call Legal & General on 0370 010 4080. Calls may be recorded and monitored, and call charges will vary.
No, your premiums for Over 50s Fixed Life Insurance will not go up, unless you make changes to your level of cover.
But, be aware that if you stop paying your premiums when due, your cover will end 30 days after the first missed premium, and you won’t receive any money back.
No, this is not a savings or investment product and has no cash value unless a valid claim is made.
You can have more than one Over 50s Life Insurance plan with Legal & General, so long as the total cash sum value across all Legal & General Over 50s Life Insurance plans doesn’t exceed £10,000.
It’s important to note that if you already have an existing plan taken out on or before 25 November 2017, please refer to your Policy Terms & Conditions for your total sum assured value.
We understand that when it comes to making a claim, it can be a difficult time. Legal & General’s experienced claims assessors have completed a Samaritans training course which provides them with the skills to support your loved ones and take some of the pressure off.
A claim can be made by contacting Legal & General on 0800 137 101. They may record and monitor calls.
Or please write to Legal & General at: Claims Department Legal & General Assurance Society Limited City Park, The Droveway Hove, East Sussex, BN3 7PY.
If you wish to complain about any aspect of the service you have received from Legal & General, please contact their Helpdesk on 0370 010 4080. Calls may be recorded and monitored. Call charges will vary.
Alternatively you can write to Legal & General at: Complaints Department Legal & General Assurance Society Limited Knox Court, 10 Fitzalan Place Cardiff, CF24 0TL.
After your application has been accepted, you have 30 days to change your mind. If you cancel within this time, any premiums paid will be refunded.
A cancellation notice will be sent by Legal & General once the plan has started.
If you wish to cancel, send the notice back to Legal & General at: Life Premium Collections – Cancellations Legal & General Assurance Society Limited, City Park, The Droveway Hove, East Sussex, BN3 7PY.
If you cancel your plan after the 30 day period, you won’t receive any money back, and you can do so by writing to us at the above address.
Get a quote
Before you apply
You must be between 50 and 80 and a UK resident
Please read, download or print the following documents beforehand:
Initial disclosure document which explains who we are and the service TSB provide
By clicking Get a quote you will be leaving TSB and entering Legal and General’s website which is subject to their own Data Privacy Policy. We recommend that you read this before providing Legal and General with any personal information or applying.
It’s important to note
We won't give you any recommendations or advice about protection products. It’s up to you to decide whether the policy is what you need so please read the policy summary and policy terms and conditions.
If you’re not sure how much cover or what type of insurance product you need, then you may wish to get independent financial advice.
You’ll be sent to Legal & General to complete your quote
Important information
* Monthly premium may be more depending on individual circumstances
** Based on all Legal & General Over 50s Life Insurance
*** Based on new individual Life Insurance sales in 2023, Term & Health Watch report 2024, Swiss Re.
Terms, conditions, and policy exclusions apply.
TSB Essential and Enhanced home insurance is brought to you by TSB Bank plc and underwritten by Aviva Insurance Limited. Applications must be UK residents & aged 18+. Aviva Insurance Limited Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Life insurance, decreasing life insurance, critical illness cover and over 50s fixed life Insurance are introduced by TSB Bank plc but are provided by Legal & General Assurance Society Limited. Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 117659. Legal & General Partnership Services Limited is registered in England and Wales number 5045000. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Partnership Services Limited is authorised and regulated by the Financial Conduct Authority under number 300792.
You can check the FCA register or call the FCA on 0800 111 6768.
