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PensionCalculator.org has teamed up with financial professionals to provide you with access to the best annuity rates, expert advice on pension enquiries, pension release and other retirement issues.
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Over 50 plans are for those who want to ensure financial safety for their loved ones after they die. They are designed for those who are approaching retirement, although the fund generates more cash the earlier you invest.
We have taken a look at all the Over 50s Plans available on the market, and picked our top 5 best policies for you. The rates shown are based on a female non-smoker aged 63 paying a premium of £14 monthly, being accepted into the plan on standard terms. Should you need more information simply enquire on the website for the guidance price for your own specific status.
| Over 50’s plans | |||||
| Provider | Full life cover payable after | Age | Notes | Apply | |
| Engage Mutual | 24 months | Age 90 | 5% online discount, welcome gift or cash back | Info | |
| Tesco | 24 months | Age 90 | No medical required, guarenteed acceptance | Info | |
| Post office | 12 months | Age 85 | Will pay lump sum of 3,813 after 12 months | Info | |
| LV= | 12 months | Age 90 | Premiums up to £100 a month | Info | |
| Foresters Friendly Society | 24 months | Age 90 | Name a beneficiary to receive up to £5,000 immediately after your death | Info | |
Over 50s Plan end payments are influenced by inflation, and most providers will increase their premiums for every 1% increase in the RPI (Retail Price Index) by 1.5%.
We update our information monthly, however Over 50′s Plan providers are constantly changing premiums and policies. It is worth checking the small print and rates before you sign up. The simplest type of policy is the fixed payment plan, where you know what sum of money will be left behind and pay fixed monthly contributions accordingly.
