Over 50's insurance policies pay out a lump sum upon the death of the policy holder. Unlike a standard life insurance policy, Over 50's policies do not require medical underwriting. Anyone over 50 is eligible to take out a policy and existing medical conditions will not affect the amount that is paid out at the end of the policy. If you are over 50 and are not in good health, this type of policy is probably the best option for you. If however you are in good health you may get better value from a Whole of Life Policy. In order to find out what is the best option for you, contact one of our advisers for free professional advice, or arrange for us to call you back. They’ll be able to tell you which policy is most suitable and will get you the most benefit at the right premium cost.