Compare life insurance for over 50's with Lightblue Online
What is Over 50s Life Insurance?
Our Over 50s Life Insurance is a plan designed to provide a cash lump sum for your loved ones on your death, which can be used towards the cost of your funeral or to help meet any outstanding costs.
The plan provides “whole of life” assurance, meaning it does not have a defined term but provides cover until the time of your death.
■ Guaranteed life cover from as little as £10 a month
If you’re a UK or Isle of Man resident aged between 50 and 80, you are guaranteed acceptance with no medical questions to answer and can become insured from just £10 a month up to a maximum of £50 a month.
■ A guaranteed cash lump sum that we will never reduce
You decide the size of the lump sum you’d like your family to receive and we guarantee this will never be reduced, as long as agreed monthly premiums have continued to be paid.
■ Premiums fixed for life yet flexibility to reduce if required
The monthly premiums you agree at the start of your plan will never be increased. However, you can choose to reduce your monthly premiums at any time, as long as this remains above the minimum of £10 per month.
■ Extra funeral benefit option plus access to the National Bereavement Service
When you apply you can choose the option to nominate Golden Charter Funeral Services, the UK’s largest independent funeral service provider, to handle your funeral and they will offer an extra £300 towards the cost. Your loved ones will also have access to the National Bereavement Service, a not for profit organisation that can offer counselling, guidance and support to the recently bereaved. Unfortunately, this benefit option is not available for Isle of Man residents.
Lightblue Online was set up to provide specialist help to people unsure how to go about choosing from the many Protection products available. For example, you might not be insured for certain illnesses if the diagnosis is made after you reach a certain age, most policies pay out only once but some will make a small payment if you are diagnosed with a less severe illness, and some insurers cover your children at no extra cost whilst others may not.
Our specialists will help you to navigate all the options to find the cover that is right for you and your family at an affordable rate.
If you’re unsure what you need then contact us either by phone on 01702 719625, by email at enquiries@lightblueonline.com or by using the contact me option by clicking here.
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Types of Self Employed Insurance
Accident and Sickness
An Accident & Sickness policy doesn’t pay an income if you’re made redundant or find yourself unemployed for any reason other than ill health or reasons of your own making.
Critical Illness Insurance
Critical Illness Insurance provides a tax free lump sum payment on diagnosis of a ‘qualifying’ serious illness.
Critical illness insurance is a complex product with exclusions and pay-outs varying greatly from insurer to insurer. Typically all insurers cover illnesses such as cancer, heart attack, stroke, Alzheimer’s and multiple sclerosis. A comprehensive policy can cover you for over 170 ‘qualifying’ illnesses, a typical one less than 50 so it pays to talk to an adviser to ensure you get the best policy for your budget and health concerns.
Click here for more details on Critical Illness Insurance.
Life Insurance
Life insurance is a simple and cheap way to help protect you and your family from the financial impact of a premature death through by paying them a lump sum amount.
When set-up correctly in a Trust a lump sum payment is paid out tax-free on a death.
Click here for more details on Life Insurance.
Private Health Insurance
If you become ill or have an injury then Private Health Insurance, also known as Private Medical Insurance, offers peace of mind that you can get medical assistance quickly, so your life or work needn’t grind to a halt.
It is designed to ensure that if anything were to go wrong with you or your family’s health you have access to some of the best private healthcare available in the UK, covering the costs of surgery, consultancy fees, accommodation and nursing at a private hospital.
Amongst other things, it offers cover for early diagnosis and treatment, paying for anything from physiotherapy on a sprained ankle to seeing a consultant about chronic back pain, from diagnostic tests to major heart surgery, or even the latest in chemotherapy treatments.
Click here for more details on Private Health Insurance.
Lightblue Online was set up to provide specialist help to people unsure how to go about choosing from the many Protection products available.
Our specialists will help you to navigate all the options to find the cover that is right for you and your family at an affordable rate.
If you’re unsure what you need then contact us either by phone on 01702 719625, by email at enquiries@lightblueonline.com or by using the contact me option by clicking here.
