Over 50s Life Cover

We Plan, You Relax

 

Call NOW for free on:
 0800 355 6000

 

 

  

Low monthly payments
From as little as £10 per month
No medical exam needed
Guaranteed acceptance for UK residents aged 50-80
Our policies include terminal/serious illness benefits
(which is hard to find elsewhere!)
It all takes under 5 minutes on the phone
(as long as you avoid chatting about the weather)

Is life cover on your to do list? 

 

We all have tedious to do lists. Cut the grass, clean the car, or go to the dentist. Arranging life cover sometimes goes on the to do list and then just stays there.

Arranging great life cover with We Plan Group is easy and won't take long.

Unlike most life cover policies on the market, We Plan Group offers serious and terminal illness benefits as standard once the policy has been active for two years. Acceptance is guaranteed without the need for a medical examination, and cover is available to any UK resident between 50 and 80 years old (subject to sum assured and premium limits).

 

 

starrating52018

 

What does it mean to be 5 star Defaqto rated?

Defaqto is an independent financial services expert which monitors around 41,000 products like ours. They use facts and expertise, rather than opinions, to rate a vast array of financial products from 1 to 5. This ensures customers can select and buy these products in confidence. 

The projected average cost of a burial by 2045 will be £15,607*

 

Key findings from the Trinity McQueen research, March 2017, outline that:

  • The average cost of a UK cremation is £3,849
  • The average cost of a UK burial is £5,446

Between 2015 and 2017, the average cost of a cremation rose by 8% and the average cost of a burial by 12%. The costs vary widely across the UK

 

*This cost is based on an assumed annual rate of increase of burial cost of 4% per year. This predictive cost should not be relied upon to estimate the precise cost of a burial.


About your policy



How your cover works

During the first two years

  • If you die of natural causes we will pay out 150% of the premiums paid.
  • If you die as a result of an accident we will pay out three times the life cover up to a maximum pay out of £48,000.

After the first two years

  • When you die, we'll pay out the sum assured as a cash lump sum, less any serious illness benefit.

Serious and terminal illness benefit

  • 100% of life cover paid in the event of a terminal diagnosis after two years.
  • 20% of life cover paid in the event of a serious illness diagnosis after two years.

Please read the Policy Summary before you take out a plan with us. It contains all of the information you need, including the full terms and conditions.

doc Policy Summary 
doc Key Facts 

 

What you need to know

  • You won't have to pay for your cover once you reach age 90 but your cover will continue for life.
  • If you stop paying premiums before age 90, the cover will cease and you won't be entitled to claim any money back.
  • The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax.
  • You could pay out more money in premiums than the policy pays out.
  • Our Over 50s Life Cover is not a savings plan and has no cash-in value.
  • Due to inflation, any pay out may not buy as much in the future as they would now.

What you need to know

  • You won't have to pay for your cover once you reach age 90 but your cover will continue for life.
  • If you stop paying premiums before age 90, the cover will cease and you won't be entitled to claim any money back.
  • The cash lump sum on death normally counts as part of your estate and so may be subject to inheritance tax.
  • You could pay out more money in premiums than the policy pays out.
  • Our Over 50s Life Cover is not a savings plan and has no cash-in value.
  • Due to inflation, any pay out may not buy as much in the future as they would now.




Frequently Asked Questions



Immediate cover is available in most cases if you apply for Over 50s Life Cover Plus online or by phone. If you apply by post, your cover will start once we've processed your application and you should get your policy documents within a few days.

You'll be covered for life as long as you pay your premiums. What's more, once you reach the age of 90 you stop paying premiums but your cover will carry on until you die or if you claim a terminal illness pay out. However, if you stop paying premiums before you're 90, your plan will stop and you won't get anything back.

No. But you can make sure each of you is covered by each taking out an Over 50s life cover policy.


To arrange your cover simply call now and a friendly We Plan Group adviser will guide you through the process, discuss the benefits and answer any questions you might have.


Call NOW for free on:
0800 355 6000


Then you can get back to sorting the rest of your to do list.
Calls are free from UK landlines and mobile networks.

About us

Life cover is offered by WFAC Lifestyle Limited, registered in Wales Number 10986409. Registered office Tintern House, William Brown Close, Llantarnam Business Park, Cwmbran, NP44 3AD. WFAC Lifestyle is an Appointed Representative of Dragon Brokers Limited and is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 802426. You can check this on the FCA Register at https://register.fca.org.uk/