Legal and General Over 50 Life Insurance

Legal & General Over 50 Life Insurance is designed for those aged 50-80. These plans offer guaranteed acceptance without needing a medical exam. With fixed premiums and lifelong coverage, you can rest easy knowing your loved ones will be financially supported. Whether you're looking to cover final expenses or leave a legacy for kids, these flexible and affordable options make planning for the future simple and stress-free.

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₹2 Crore Life cover starting from

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Explore the benefits of Legal and General Over 50 Life Insurance today and take the first step towards securing your legacy.

Why Buy Legal and General Over 50 Life Insurance?

Legal & General over-50 life insurance helps customers over the age of 50 secure their loved ones. The payout from these plans can help the nominee pay off any remaining loans or debts, fulfill financial goals, or pay off any medical or funeral costs.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Benefits of Buying Legal and General Over 50s Life Insurance

Guaranteed acceptance for UK residents aged 50-80 with no medical exam. The full cover starts after one year.
Similar to term life insurance plans,Loved ones get a payout when you die.
Fixed premiums start at £5 a month, varying by age and smoker status.

Note: Check all the best term insurance plan in India.

How Does Legal and General Over 50s Life Cover Work?

Legal and General Over 50s Life cover is simple, whether you're over 50, 60, or 70. When you get a quote, you choose a monthly premium that suits your budget to provide a cash sum that meets your needs. Once you have purchased a legal and general life insurance plan, your premium stays the same, and your cover won't decrease, making it easier to budget. When you pass away, this cash sum can help your loved ones during a difficult time.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

What are Legal and General Over 50s Life Cover Details?

Benefits and Features
- Affordable Premiums: From £5 to £75 a month, based on age and smoker status. Choose a premium that fits your budget.
- Full Cover After One Year: If death occurs within the first year, premiums paid will be refunded. Full cover is provided for accidental death within the first year.
- Guaranteed Acceptance: No medical exam is required for UK residents aged 50-80. Other options are available if you answer lifestyle and medical questions.
- Fixed Premiums: Your premiums stay the same once you purchase the legal and general over 50s fixed life insurance plan.
- Lifetime Cover: Coverage for legal & general over 50 life insurance continues for life, even though premiums stop at age 90.
- Flexible Premiums: After one year, you can reduce your premiums if your circumstances change (minimum premium applies).
Points to Remember
- Total Cost: Depending on how long you live, you might pay more in premiums than the cash sum paid out.
- No Cash Value: This is not a savings or investment product; it only pays out on a valid claim.
- Missed Payments: If you stop paying premiums, your plan will be canceled, and you won't get any money back.
- Fixed Cash Sum: The payout amount is fixed, so inflation will decrease its value over time.
- Funeral Costs: This legalandgeneral life insurance is not designed to cover all funeral costs and doesn't guarantee to do so.
- Reduced Premiums: If you lower your premiums, the cash sum will also be reduced.

Why Choose Legal and General Over 50 Life Insurance?

Lower Premiums: Premiums start at just £5 and remain constant throughout the policy term.
Wellbeing Support: Phone-based mental health and wellbeing services from RedArc Assured Limited.
Care Concierge: Free, confidential phone advice to help you find and understand later life care options.

Alternate Ways to Get Over 50 Term Life Insurance

Individuals living in the UK can get term life insurance for NRIs for over 50 cover from Indian insurers in the following ways:

Step 1: Visit the term insurance for NRIs on the Policybazaar’s website

Step 2: Fill in the Name, gender, contact information, and date of birth

Step 3: Select the smoking habit, occupation type, annual income, and educational qualfications

Step 4: Choose the most suitable over 50’s term life insurance and proceed to pay

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What is Term Life Insurance

FAQ's

Q: What is Legal and General Over 50s Life Cover?

Ans: Over 50s life cover is a type of life insurance available to individuals aged 50 to 80. By paying monthly premiums, you ensure that your loved ones will receive a cash sum when you pass away, provided that all premiums have been paid on time.
Q: Who Needs Legal and General Over 50s Life Cover?

Ans: Our Over 50s Fixed Life Insurance is designed for UK residents aged 50 to 80. It provides a cash sum to your family after your death, helping with funeral costs or serving as a meaningful gift. With a quick and easy application process, you can secure coverage in just a few minutes and return to enjoying life with peace of mind.
Q: Do I need legal and general life insurance over 50?
Ans: You should consider getting legal and general over 50s life insurance if:
- You want to help cover your funeral costs.
- You want to contribute towards paying off outstanding debts when you pass away.
- You want to leave a small gift for your loved ones.
- You don’t already have life insurance that covers you for life, and this type of coverage could benefit you.
If any of these situations apply, an over 50s life insurance policy might be a good choice. Your personal circumstances will determine if this is the right option for you. There are many types of life insurance, so take some time to research.
Q: Can My Partner Take Out Cover as Well?

Ans: Yes, your partner can apply for a plan if they are aged 50 to 80, are a UK resident, and live in the UK for at least 183 days per year. However, these legal and general life insurance over 50s plans are individual and cannot be held in joint names.

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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