Stay independent. Whole-of-market protection advice · FCA regulated
Stay independent. Whatever life throws at you.
Life cover with no health questions.
Turned down or postponed for life cover elsewhere? A guaranteed-acceptance plan doesn't ask about your health. All we need to know is whether you're under 50 or 50 and over.
If you're in good health, a standard, fully underwritten policy usually gives more cover for your money, and that's what we'll recommend first.
- No medical questions
- Fixed premiums
- FCA-regulated advisers
Thanks, we've got it.
Breathe out. We'll take it from here.
Rather talk now? Call 01270 747 989 or WhatsApp us.
Two routes, decided by your age
Aged 50 to 80: over-50s life cover
Guaranteed acceptance with no medical questions, a fixed monthly premium and a fixed cash sum for your family. We compare over-50s plans from insurers including OneFamily, National Friendly and Shepherds Friendly.
- A qualifying period applies at the start (the length depends on the plan). If you die in that time, most plans return the premiums paid rather than the full sum, though accidental death is usually covered from day one.
- If you live long enough, you could pay in more than the plan pays out.
- There's no cash-in value. If you stop paying, the cover usually ends.
- The cash sum is fixed, so rising prices reduce what it will buy.
- Upper ages vary by plan (some are lower for smokers).
Under 50: guaranteed life plan
For younger adults who've found it hard to get cover, Hive offers a guaranteed life plan with no medical questions. It's available to eligible UK residents, but not in Northern Ireland.
- Your adviser confirms the cover amounts, prices and any conditions before you decide.
- If you're in good health, fully underwritten cover may give you more for your money. We'll tell you honestly which suits you better.
Questions people ask
Why are there no health questions?
These plans guarantee acceptance within their age range, so the insurer doesn't ask about your health. To balance that, a qualifying period applies at the start and the amount of cover is usually lower than with a fully underwritten policy.
Is guaranteed cover right for me?
Not always. If you're in good health, a standard life policy may give you more cover for the same money. Your adviser will look at both and explain the difference.
Does the advice cost anything?
No. If you take out a plan, we're usually paid commission by the insurer, and we'll tell you how much before you go ahead.
What happens next?
An adviser contacts you by phone, text or email, talks through what you'd like the cover to do and sends you your options in writing. Nothing starts until you say yes.
Important information. Financial Expert Independent Ltd (FCA 565800) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556). You can check this on the Financial Services Register.
Over-50s life cover and guaranteed life plans are protection policies, not savings plans. They have no cash-in value at any time. Plan features, qualifying periods, age limits and prices vary by insurer and are confirmed in each plan's key features or policy summary before you apply. Cover is subject to the insurer's terms. We may receive commission from the insurer. Read how we work with you. If you're unhappy with our service you can complain to us, and then to the Financial Ombudsman Service.
Gran Pat and Raj are part of the Bramleys, an illustrated family created for FEI.
Financial Expert Independent Ltd (FCA 565800) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556). Financial Expert Independent Ltd is registered in England and Wales, company no. 07779372. Registered office: 1st Floor, 3 Chester Bridge, Crewe, Cheshire, CW2 7EF.
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