Over 50s Life Insurance Made Simple
Guaranteed acceptance with no medical checks. Marc Pearce Mortgage Services helps clients across Essex find simple, reliable cover after 50.
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Simple Cover for Peace of Mind After 50
Over 50s life insurance provides a fixed cash payout when you pass away. It’s available to people aged fifty and over, with no medical checks required. Whether you want to help with funeral costs or leave a small gift for loved ones, we’ll help you find a plan that suits your needs and budget—always with clear, personal advice.
FAQ
Easily find answers to the questions everyone’s asking.
It’s designed for people aged fifty and over, with guaranteed acceptance and no medical questions. It offers a fixed payout when you pass away, making it ideal for covering funeral costs or leaving a financial gift.
Payouts typically range from £1,000 to £10,000 depending on your age and monthly premium. We’ll help you choose a plan that balances affordability with meaningful protection.
Some plans stop premiums at a set age (like 90), while others continue until death. We’ll explain the differences and help you choose what works best for your goals.
Yes, the payout is usually tax-free. However, it may form part of your estate for inheritance tax. We can help you explore options like writing the policy in trust.
Yes, you can hold multiple policies, but insurers may limit the total cover. We’ll help you structure your plans to stay within limits and avoid overpaying.
Ready to Get Started?
Whether you're planning a move, reviewing your current deal, or simply want to explore your options, I’d love to help. Based in Maldon and serving clients across Essex, Marc Pearce Financial Solutions is here to make mortgage and protection advice feel personal, professional, and refreshingly straightforward.